Protect Plus

Multi-factor authentication (MFA) adds an extra layer of security to your account. In addition to a password, you'll verify your identity with a second step, such as a one-time passcode, biometrics, or a push notification. This helps keep your accounts better protected from unauthorized access.

 Biometric authentication uses your unique physical traits, such as your fingerprint or facial recognition, to confirm your identity. Because these traits are unique to you, biometric login is both convenient and secure. Unlike passwords, they cannot be easily guessed or stolen. 

• Microsoft (Windows Hello)
• Apple (iPhone, iPad, Mac)
• Google (Android, Chrome)
• Third-party password managers such as Bitwarden, 1Password, Dashlane, NordPass, ect.

A passkey is a modern, password‑free way to sign in to websites and apps that’s both more secure and easier than using traditional passwords.

When you create a passkey, your device generates a pair of cryptographic keys:

• A public key is stored by the website or app
• A private key stays securely on your device and never leaves it

When you sign in, your device proves it has the private key and confirms it’s really you.  

These actions may require additional MFA verification when initiated from an untrusted device to help prevent fraud:

• P2P
• Member-to-Member
• Bill Pay
• Add External Account
• Commercial ACH/Wires
• Buy Now Pay Later offers
• Credit Card balance transfers
• Secure Access Code Delivery method update
• Reorder Advia Checks
• Update Password
• Update Your Contact Info

If your device is lost or replaced, download the app on your new device and follow the prompts to re‑authenticate and register it. If you experience any issues, call 844.238.4228, chat with an Advia service representative through Digital Banking, or visit a branch for assistance. Our staff can remove the old device from your trusted devices and help register your new one to prevent unauthorized access.

Mobile users will be auto enrolled in Protect Plus. Desktop-only users will be prompted to enroll but not forced. As this enhancement helps verify high-risk actions and prevent fraud, some Digital Banking money movement services may be limited if you choose not to enroll. You will receive reminders to help you stay informed and can enroll at any time.

Yes, you can still complete everyday banking activities without your mobile device. However, to continue having full access to all Digital Banking money movement services, you will be required to enroll in Protect Plus.

It is important that users do not share login credentials. Sharing logins can impact the experience negatively and increase the risk of fraud. We encourage members who share a Digital Banking login with an additional account owner to set up separate usernames and passwords. To do this, the unenrolled account owner must enroll using their own identifying information. 

If a login is shared, please be aware that the first enrolled mobile device is automatically designated as the primary trust device. All authentication requests are sent to this device for approval. For additional information, see How can I manage my registered devices?

Protect Plus provides our members greater protection against fraudsters and is required to have a full digital banking experience and money movement services. The use of biometrics is always optional. If you have any concerns with device compatibility to use this service please give us a call at 844.238.4228 or chat with an Advia service representative through Digital Banking.

We recommend enrolling on a mobile device for the best experience. If you’re enrolling on a mobile device, make sure you have the Advia Mobile Banking app installed and that your device is updated to the latest operating system version.

To check if an OS update is needed on a mobile device, follow these general instructions:

• Connect to WiFi
• Before updating, ensure your device is backed up to avoid data loss
• Open the Settings app on your device
• Look for the Software Update or System Update section
• Tap Check for Update or Download and Install
• Follow the prompts to complete the update process if needed

If you login to Digital Banking on desktop‑only, ensure the device supports passkey authentication:

Check the PC’s operating system (OS)
Passkeys are supported on:

• Windows 10 or newer
• macOS Ventura (13) or newer
• ChromeOS (recent versions)

If the OS is older, passkeys won’t be available yet.

Use a supported browser
Confirm you are using one of these browsers:

• Chrome
• Edge
• Safari (Mac only)
• Firefox (recent versions)

Older browsers or Internet Explorer do not support passkeys.

The push notification will appear at the top of your device screen, just like your other notifications. If you don’t see it there, simply open the Digital Banking app and you’ll be able to view it when you log in.

Yes! If you opt out of Protect Plus, you will still receive SAC codes.

With Protect Plus, you can add and manage “trusted devices” on your account. Your primary trusted device is where authentication requests are sent for approval, helping create a more secure experience while making future actions faster and easier.

Your first enrolled mobile device is automatically set as your primary trusted device. If you have multiple registered mobile devices, you can update your primary device anytime in Digital Banking under Security & Settings > Authenticator Settings.

A timeout can happen if the authentication request isn’t completed within 60 seconds. This may be due to a delay in receiving the notification or taking too long to respond.

If this occurs, simply restart the action in Digital Banking to receive a new authentication request.

If you reject a high-risk action, the action will not go through. If you are concerned that your Digital Banking credentials are compromised, please call us at 844.238.4228, chat with an Advia service representative through Digital Banking, or visit your local branch immediately so we can investigate further.