What’s Multi-Factor Authentication (MFA)?

Think of authentication as the digital “ID check” that proves you are who you say you are when logging into an account. Just like a physical lock on your door, it protects your personal information and finances from intruders.

Multi-Factor Authentication (MFA) is much stronger than a single password because it requires more than one type of proof. If a hacker manages to steal your password, they still won’t be able to get into your account without that second “key.” It turns a single-lock door into a high-security vault.

The Three Pillars of Security

Most MFA systems use a combination of these three factors to keep you safe:

• Something You Know: A password, PIN, or the answer to a secret question.
• Something You Have: A physical item, like your smartphone (to receive a code) or a hardware security key.
• Something You Are: Your unique physical traits, such as a fingerprint or facial recognition (biometrics).