April 24, 2025
Why Multifactor Authentication (MFA) Matters
And What You Need to Know Before May 1st
At Journey Credit Union, your security is our priority. That’s why we’re introducing a new layer of protection for your credit card starting May 1st: Multifactor Authentication (MFA) using One-Time Passcodes (OTP).
What Is Multifactor Authentication (MFA)?
Multifactor Authentication is an extra security step that helps ensure only you can use your credit card—even if someone else gets ahold of your card number.
Here’s how it works:
When you make a high-risk or unusual credit card purchase (like a large online transaction), we’ll send you a one-time passcode (OTP) via text message or email. You’ll need to enter this code to complete the purchase. If someone else tries to use your card, they won’t have the code—so the transaction is blocked.
Why It’s Important
What You Need to Do Now
To make sure you’re ready when this feature goes live on May 1st, we need your most up-to-date contact information. That means:
Your current mobile phone number
A valid email address that you check regularly
Without updated info, you might not receive your OTP, and your purchase could be delayed or declined.
How to Update Your Info
Updating your contact info is quick and easy:
Call or stop by any Journey Credit Union branch:
1400 2nd Ave – Call us at 515-243-8735
2930 SE 14th St – Call us at 515-282-3606
We’re Here to Help
If you have questions about how MFA works or how to make sure your contact information is accurate, give us a call or stop by. Our team is happy to walk you through it.
We’ve also put together a helpful FAQ section to answer common questions about one-time passcodes and how they’ll work.
Check it out on our website, and as always—feel free to reach out to us directly if you need anything!
