PenFed
Banking · penfed.org
Four second factors on offer: authenticator app, approval in an app, text message and email code. The strongest is an authenticator app.
Recommended setup
Authenticator app
Codes made on your phone, offline. Much safer than a text message, which can be stolen with a SIM swap.
AppAuthenticator appBest option
PushApproval in an appPenFed App
SMSText messageSupported
EmailEmail codeSupported
Not offered: security key, hardware token, phone call.
Switch it on
General steps; menu names vary. PenFed's own guide has the exact screens.
- Sign in to PenFed and open your account's security settings. Look for two-step verification or two-factor authentication. PenFed's own guide shows the exact screens.
- Choose authenticator app. A QR code appears.
- Open your authenticator app, add an account and scan the QR code. Type the 6-digit code it shows to confirm.
- Save the backup codes. Keep them in your password manager or print them; they're your way back in if you lose your phone or key.