Two-factor authentication for any account you may have that is accessed online is a must nowadays. Your banking accounts (including your online banking profile and banking app) must be secured to ensure the utmost safety precautions are taken. Let’s see how Chase gets it done.
Chase does not use a proprietary authenticator app, nor does it link to a third-party one like Google authenticator. It provides 2FA via a passcode that is sent via message (SMS), call, or Email. These will need to be registered with your main online banking account.
In this article, we will explain how Chase provides their specific two-factor authentication method for logging into its app, mobile website, or desktop website. The process is easy, but there may be one or two things that could cause a snag. Read on to see what they are.
Does Chase Use An Authenticator App?
Identity theft and hackers are a real concern nowadays, and protecting your bank account from malicious attacks should be one of your utmost priorities.
Many accounts, whether they are online via the web or through a mobile app, now typically use some sort of two-factor authentication (this is also commonly known as 2FA).
For example, Google’s authenticator app implements a two-step verification based on a six-digit one-time numerical passcode. Many forms of software, accounts, and apps that other developers have made (and that can be based on anything, not just banking) will link to it, and when you try to sign in, you will need to view the app for the passcode.
Moreover, other companies also design and implement their own authenticator app that you will use when trying to log into an online account of sorts.
Regarding your online Chase bank account and the Chase app, there is a two-factor authentication process, but it is not based on a specific app like the Google app where you will link your account, nor does chase provide any proprietary app that allows for two-factor authentication. So how do they do this?
How Does Chase Provide Two-Factor Authentication?
Chase will need you to verify your account via two-factor authentication when you log into your account for the first time. This happens when you attempt to do so from a new device using the Chase app, the mobile web platform, or the desktop website.
When you log into one of these platforms, the device you are using will be prompted to receive a code you will need to fill in. This code will be sent via message (SMS), or you have the option to receive it via call.
Additionally, you can also choose to have the code sent to your Email address. It should be noted that the phone number and email account that this passcode will be sent to must be registered with your main online account.
The phone number and Email account will not be the ones registered for Chase QuickPay. They will also not be ones registered to “banking over text message” if you have set this up.
How To Change Registered Chase Account Info For 2FA
If for some reason, you need to change your account info so you can receive your 2FA (two-factor authentication), you can do so by following these instructions;
- Visit Chase.com
- Sign into your account
- Head to the “customer center” section
- Change your Email or phone number located under “my information.”
- Follow the prompts
Conclusion
2FA is a must nowadays when using almost (if not all) applications and software (including apps) that you have set up accounts for.
Although Chase does not have its own proprietary authenticator app, nor does it let you connect to a third-party app like Google Authenticator, they do provide this feature by having you enter a passcode which will be sent to your registered Email account or phone number.
These will be linked to your main online account.