Two-Factor Authentication

Best financial institutions require two-factor authentication (or multi-factor authentication).

With two-factor authentication, after you sign in with your user id and password, the "site" will send you a (generally) a 6-digit code (some "sites" send an 8-digit code).

You can often choose the method you want to receive your code; it may not necessarily require your cell phone. Options:

• voice message to your phone number
• text
• e-mail