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Bank impersonation scams are on the rise. We will never ask you to move money or share security codes. Learn more.
Using authenticators for secure banking
To help keep your banking secure, some actions in Internet Banking and the Mutual App may require an extra step to confirm it’s really you. This extra step is called authentication.
The Mutual Bank is moving away from older authentication methods, including physical security tokens and the VIP Access app, and supporting newer, easier-to-use options for eligible members.
What is an authenticator?
An authenticator is a way of verifying your identity when you log in or complete certain actions in digital banking. It adds an extra layer of protection to your accounts.
Depending on your circumstances, authentication may be completed using SMS One-Time Password (OTP) or an approved authenticator app.
Your authentication options
SMS One-Time Password (OTP)
For many members, a one-time code can be sent by SMS to your registered mobile number when needed.
Authenticator app
If you are unable to use SMS, an approved authenticator app may be available as an alternative way to verify your identity.
How to get things set up
The steps to set up your authentication method will depend on how you bank with us and the device you are using. Use the guides below for help.
Video guides
Watch the step-by-step videos below for help setting up your authenticator using the option that suits you best.
Authenticator setup (Desktop)
Authenticator set up (Desktop with smartphone)
Authenticator setup (App)
Disclaimer: A link to Proton Authenticator is provided for convenience. Members may use any compatible authenticator app.
Images shown in the videos are AI‑generated examples, as screenshots of the Proton Authenticator app could not be taken.
The appearance and prompts in the app on your device may differ from what is shown.
Need help?
If you need help setting up your authentication method, please contact us or visit your nearest branch. Our team can help you understand your options and get set up securely.
For your security, never share your passwords, one-time codes or authentication details with anyone.
