Stay One Step Ahead of Fraud: Why You Should Use an Authenticator App
Protecting your personal and financial information is more important than ever. Passwords alone aren’t enough anymore, especially when cybercriminals are constantly evolving their tactics. That’s where authenticator apps come in.
These small but powerful apps can make a big difference in keeping your accounts secure. Here's everything you need to know.
🔐 What Is an Authenticator App?
An authenticator app is a tool you install on your smartphone that generates time-sensitive security codes. These codes are used as a second step in the login process after you enter your password, part of what’s known as multi-factor authentication (MFA).
Every 30 seconds, the app generates a new code that is unique to your account. Even if someone steals your password, they can’t log in without the code from your phone.
✅ Why Use an Authenticator App?
1. Stronger Security Than Text Messages
While many websites offer to send a verification code by text, SMS messages can be intercepted. Authenticator apps are far more secure because the codes are generated locally on your device and aren’t transmitted over a network.
2. Easy to Set Up
Once you download an app, most websites and apps that support MFA will walk you through a simple setup process—usually just scanning a QR code.
3. No Internet or Cell Signal Needed
Because codes are generated directly on your device, the app works even if you’re offline. Perfect for traveling or in low-service areas.
4. Free and Widely Supported
Top authenticator apps are completely free and compatible with most major services, banks, social media, email accounts, and more.
📱 Popular Authenticator Apps
Here are a few trusted options you can download for free:
Google Authenticator – Simple and widely supported.
Microsoft Authenticator – Great for work and personal accounts.
Authy – Offers cloud backup and multi-device support.
Duo - Easy to use and great for securing both personal and work accounts.
🔒 Small Step, Big Protection
Using an authenticator app is one of the easiest ways to guard your accounts against hackers and fraudsters. It takes just a few minutes to set up, but the peace of mind it brings is long-lasting.
At Service One Credit Union, we believe strong security doesn’t have to be complicated. If you need help choosing or setting up an authenticator app, stop by your local branch or give us a call. We’re happy to walk you through it.