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  1. CWB Help Centre
  2. How to set-up multifactor authentication
Hands on phone and laptop with lock icon

Keep your banking safe

Set up multi-factor authentication to keep fraudsters away

How to set up multi-factor authentication

Multi-factor authentication, also known as 2-step verification, is a new security measure being put in place. It requires clients to add two ways to verify their identity when logging into an application or online portal. Using multi-factor authentication significantly reduces your risk of being victim of a cyber-attack.  

On This Page:

New: How to set up authentication apps for cwb.digital Quick Guide for multi-factor authentication on cwb.digital Register for 2-Step Security on CWBdirect® Business Online Banking Log In with 2-Step Security on CWBdirect® Business Banking Quick Guide for 2-Step Verification on CWBdirect® Personal Online Banking and Motive Financial Online Banking

New: How to set up authentication apps for cwb.digital

Contact your banking centre first to reset your multi-factor authentication, then follow the steps in the client user guide.

Quick Guide for multi-factor authentication on cwb.digital

Before you begin

Grab your bank card and your mobile device

Step 1

  • Select your multi-factor authentication communication preference; it can be either SMS or voice call. 
  • Then, select "Set up." 

Step 2

  • If you picked SMS enter your mobile device phone number; if you picked voice call enter your landline phone number. 
  • Then, select "Send Code." 

Step 3

  • Enter the verification code. 
  • Then, select "Verify." 

Step 4: You're finished! 

  • Select "Finish."
  • Your multi-factor authentication is set up. 

 

Register for 2-Step Security on CWBdirect® Business Online Banking

Step 1: Navigate to the Login Page
  1. Visit the Business Online Banking (BOB) login page through Login - CWBdirect® (memberdirect.net).
  2. Choose the '2-Step Security Login' option.
  3. Note: If 2-Step Security Login is mandatory, you'll be taken directly to that page.
Step 2: Begin Registration
  1. Click on 'Register for 2-Step Security Soft Token'.
  2. Enter your User ID and password, then click 'Submit'.
  3. The system will display a QR code to scan.
Step 4: Scan the QR Code
  1. Open Google Authenticator™ on your mobile device and use it to scan the QR code displayed. 
  2. Your User ID should now be registered in the authenticator app, with a one-time security code visible beneath it.
Step 5: Input Authenticator Code
  1. Input the generated one-time code from the authenticator app (e.g. 406 401) into the "One time code" field on the Login page and click 'Submit'. This one-time code will change after some time (e.g. every 30 seconds) so ensure you enter the code that is currently displayed on the authenticator app.
Step 6: Complete Registration
  1. Input the generated one-time code into the "One time code" field on the Login page and click 'Submit'.
  2. You are now registered for 2-Step Security and will be redirected to the MDB home page!

Timely Registration Reminder

  1. Ensure you register for 2-Step Security within 14 calendar days from the time your account is created, updated, or reset.
  2. Failing to register within this period will necessitate a reset of your 2-Step Security settings following an error message upon attempted registration. You will need to contact your banking administrator for this reset.

Log In with 2-Step Security on CWBdirect® Business Banking

Step 2: Log In with 2-Step Security
  1. Input your login credentials and the one-time code from the Google Authenticator app in the 'User ID', 'Password', and 'One time code' fields, respectively.
  2. Click 'Submit'.
  3. Upon successful login, you will be directed to the Business Online Banking home page.
Code Expiry Awareness
  • Use new codes: If a code is about to expire (every 30 seconds), wait for a new one to ensure a smooth login. Be mindful that one-time codes are short-lived and become invalid if not used promptly. For soft tokens (Google Authenticator), a diminishing clock icon next to the one-time code indicates time until code expiry.
  • Three consecutive incorrect one-time code entries will lock your account for 30 minutes. A subsequent three incorrect entries post-lockout will require an administrator to unlock your account in the Business User Administrator (BUA) in which you will need to contact directly.

Quick Guide for 2-Step Verification on CWBdirect® Personal Online Banking and Motive Financial Online Banking

Before you begin

Grab mobile device.

Step 1

  • If you prefer to receive your verification code via text, enter your 10-digital mobile phone number.
  • Then, select “send code.”
  • Or, if you prefer to receive your verification code via email, enter your email.
  • Then, select “send code.”

 

Step 2

  • Enter the verification code within 10 minutes of receiving it, or else it will no longer by valid.
  • Then, select “Continue.”

 

Step 3: You're finished!

  • Select “Continue” to access online banking.
  • Your 2-Step Verification is set up.

Answers to your questions about multi-factor authentication

Is there a difference between multi-factor authentication and 2-step verification? 
  •  No there is not. cwb.digital refers to the term multi-factor authentication and CWBdirect refers to the term 2-step verification. Both determine the identity of the person logging into digital banking the same way. 
Can I change how I receive my secure access code?  

Yes, you can choose your preferred way to receive your access code at anytime by going to Menu > Settings. 

Do I need to have a smartphone to use Multi-Factor Authentication?

No, you can choose to receive your 5-digit authentication code by voice call to any registered phone number. This includes traditional landlines. 

Can I change the phone number I use for Multi-Factor Authentication. For example, if I lose my phone or change my number?

Yes, you can change the phone number by following the below steps on mobile or desktop:

Mobile App
Settings > “2-Step Verification Settings”
Desktop
Profile and Preferences > Change 2-Step Verification Information > Update Contact Information > select the pencil icon to edit or + icon to add > Save