Increased Authentication

What is Increased Authentication?

Increased Authentication provides a ‘Two-Factor Two-Way’ authentication solution. The authentication program identifies you based on your Card Number and Personal Access Code, and allows you to provide answers to three security questions. This lets Implicity know that you are the authorized person trying to access your account.

The first time you login to Online Banking, you will be asked to setup your Increased Authentication account. For your protection, and ours, you won’t be able to login to Implicity Online Banking without setting up Increased Authentication.

How do I Set up Enhanced Security?

When you first log into Implicity online banking, you will be asked to complete the following steps:

STEP 1: Log in by entering your Card Number and your Personal Access Code (PAC).

STEP 2: You will be given a group of security questions and you'll have to choose three questions and provide answers for those questions.

STEP 3: Confirm - review the security questions you've chosen. You can make changes now, or you can change your security questions any time by clicking on the "My Profile" tab on the website.

What Happens Next?

Periodically when you log into Online Banking, you will have to answer one of your three security questions after entering your PAC for security purposes. Once you answer one question correctly, you’ll be allowed to access your account.


If you have any questions about Increased Authentication, have forgotten the answers to your security questions or if you have locked yourself out of online banking, contact Implicity Financial at 1-855-594-0990.