Frequently Asked Questions
What is Out-of-Band Authentication?
Out-of-band Authentication (OOBA) is a simplified way of securely accessing your account online. Text messaging or phone calls are used to confirm an account holder’s identity. Through this form of identity verification, you are better protected from fraudulent online attacks. If someone other than you attempts to use invalid information, your account will become locked and available for access only by calling Fourth Capital at 615-298-8000.
What are the benefits of OOBA?
Fourth Capital’s new OOBA process provides an incredibly secure method of safeguarding your information and your accounts. Should a fraudster gain access to your user credentials, they would be unable to log into your online banking without having access to your mobile phone or landline.
How does this affect my online banking activity?
If you use a desktop or laptop to access your online banking account, you can now receive a unique verification code to confirm your identity. Simply verify the land-based or cell phone numbers for the account, and we will send you a code allowing access to your information.
What if I change my phone number, or my correct number is not listed on my account?
When you log in to Online Banking on July 15th, you will be prompted to update your phone numbers on your profile. If we do not have your correct phone numbers, you will not receive a code via text or phone call. In the future, we urge all customers to update their contact information as soon as possible after a change. You can always give us a call at 615-298-8000 to verify the accuracy of your contact information.
Do I need to keep the security code given to me for future logins?
The security code is a unique, one-time code and cannot be used again. Each time your online identity cannot be identified at login, a new one-time security code is required.
How long do I have to wait for a phone call or text message?
You should receive a code within seconds of completing the request. If you do not, click on “I didn’t receive a code” link on the screen for help.
What if I do not receive a text message?
If you do not receive a text message within 60 seconds, please select the “receive a phone call” option in the dialog box. You will receive an automated phone call with your unique code.
Why can't I receive my security code by email?
Email is not used in OOBA because it can be more easily compromised compared to phone authentication.
How much time do I have to complete my authentication?
If you do not validate your identity with the one-time security code within 3 minutes, you will be directed back to the Online Banking login screen.
Why isn't my username and password enough to identify me?
Your username and password can be easily obtained through malicious software that may be unknowingly installed on your computer. Any change in how you access Online Banking (different computer, different geographic location), signals us to request additional verification.
Why am I asked to authenticate when I am using the same computer from the same location I always access Online Banking?
This is generally due to a change made to your computer that prevented its identification. Changes that would alert our system:
- Browser updates
- Browser setting changes
- Clearing cookies
- Computer date out of sync with actual date
- A single user using many devices in a short period of time
- Multiple users using the same device in a short period of time
What if I use multiple devices to access Online Banking?
If you use the same devices on a regular basis, the device profiles are recognized by Online Banking.
What if I use public computers to access Online Banking?
Online Banking is a gateway to vital account information. Every computer or device you use should provide security protection from unauthorized access. For this reason, we strongly advise against logging in from a computer if you do not know the reliability of its virus protection and firewalls.
- Add www.fourthcapital.com to your trusted sites.
- If using Internet Explorer as your browser, make sure “Preserve Favorite Sites” is not checked.
- Clear the cookies on the device.