Phone Enrollment & Advanced Login Authentication Implementation Guide

Mobile Banking Sign On

The first step is to download our lasted mobile banking phone / device app version 3.0 from iTunes or Google Play.
 
If you receive the following message, you will need to update your mobile phone / device app to version 3.0 before proceeding:

A new app version is required. To access Mobile banking, please download the new app.

 
The following is a list of most devices and operating systems that will support our new mobile banking login authentication process:
 
  • iPhone 5
  • iOS 6.1 for iPhone 4S and iPad 3
  • iOS 5.1 for iPhone 4S, iPad 3, and iPad 2
  • iOS 5.0 for iPhone 3GS and iPhone 4
  • iOS 4.3 for iPod Touch 4th Gen and iPad 1
  • Samsung Galaxy 4
  • Android 4.0 for HTC One X (AT&T) and Samsung Galaxy S3
  • Android 2.3 for LG Connect, Motorola Atrix, and Motorola Droid X
  • Android 2.2 for Motorola Droid 1 and Samsung Galaxy S1
  • Windows Phone 7.5 for Nokia Lumia 900 and Samsung Focus 7.5
  • BlackBerry 6.x and higher operating systems and the BlackBerry 9670 model
 
If your device uses out of date phone features or an older operating system you may not be able to enroll into our mobile banking system.

Logging on to Mobile Banking

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If you have not previously activated your mobile device, you will be presented with a phone enrollment page after you have entered your User ID and password. You must enter your mobile phone number to enroll your device in Mobile Banking. If you are enrolling an iPad or other mobile device, you may enter your home phone number.

Device Profiling and Step‐up Authentication (New Security Features)

 
When you enter a valid user ID and password, the device profiling process determines if the device profile is typical for past successful logins. If it is typical, the user is logged in to Mobile Banking. If it is not typical or this is the first time the customer has attempted to log in from the device since downloading the mobile banking application, the customer is required to perform step‐up authentication.
 
The device profiling process allows us to pinpoint fraud detection with a higher level of accuracy. Because of the effectiveness of this process, you will pass the device profiling evaluation and login with just a user ID and password.
 
Step‐up Authentication is required when the device profile is not typical for the customer or when you have:
 
  • Just enrolled as a new customer for the mobile banking application.
  • Deleted and reinstalled the mobile banking application.
  • Cleared the cache (deleted cookies) on your mobile device.
When step‐up authentication is required, you must complete Out‐of‐Wallet questions or an alternate step‐up authentication solution to complete the login process. Most customers have a Social Security number and are presented with the Standard Out‐of‐Wallet questions.

Out‐of‐Wallet Questions

 
The Request Security Information page will prompt you to enter their name and birth date. A name, address, date of birth, and Social Security Number are required to retrieve the information needed to formulate Out‐of‐Wallet questions.

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When you complete the information and click Sign On in the Smartphone App or Continue in the iPad App or Mobile Web (WAP) interface, you will be presented with three multiple choice questions. The questions are derived from over 50 sources of public record data.

SmartPhone App Questions Page


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You will have to scroll down to see and answer each question on the Questions page. Three questions and several possible answers to each will be displayed. Be sure to select only one answer for each question.
 
As each answer is selected, be sure to scroll to the next question. When you have answered all three questions, the Sign On button will be enabled.

iPad App Questions Page

All three questions are immediately visible on the Questions page.
As you select each answer, the answer is displayed in the field under the question.

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Once you have answered all three questions and tapped the Sign On button in the Smart Phone App or the Continue button in the iPad App or the Mobile Web (WAP) interface, the quiz answers are evaluated against the public data source. The customer must answer all three quiz questions correctly to successfully complete the sign on process.
 
Mini Quiz
 
If you answer only two of the questions correctly, a mini quiz will appear. The mini quiz is only two questions long, and you must get both of the questions correct to successfully complete the sign on process. If you do not get both answers correct, a new initial quiz with three questions will be displayed, and the Out‐of‐Wallet questions process is restarted.

Social Security Number and ZIP Code Validation

 
As with the Out‐of‐Wallet questions step up authentication, the Request Security Information page is displayed and you will be prompted to enter your name and birth date.
 
After you have clicked Sign On on your Smart Phone App or Continue on your iPad App or Mobile Web (WAP) interface, Mobile Banking will ask you for the last four digits of their Social Security number and their ZIP code.

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You can attempt to input the correct Social Security number and ZIP code three times within a 24 hour cycle. If you are unsuccessful after three attempts, you will not be able to access Mobile Banking using the same mobile banking service for the rest of the 24 hour cycle. Once the 24 hour cycle has restarted, you can attempt to login to Mobile Banking again.
 
Note: Customers who are locked out of a mobile banking service for the rest of a 24 hour cycle are not prevented from using another method to access their accounts online. For example, a customer who has exceeded three attempts at log in using the mobile banking application on their cell phone can still login to Online Banking on their computer without waiting for the 24 hour cycle to restart.

Phone Number Validation

The customer must provide a mobile phone number that matches a phone number on the customer record on your organization’s host system. If the number entered matches a number that is on the customer record the customer is granted access.
 
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You can attempt to input a correct phone number three times within a 24 hour cycle. If you are unsuccessful after three attempts, you will not be able to access Mobile Banking using the same mobile banking service for the rest of the 24 hour cycle. Once the 24 hour cycle has restarted, you can attempt to login to Mobile Banking again.
 
Note: Customers who are locked out of a mobile banking service for the rest of a 24 hour cycle are not prevented from using another method to access their accounts online. For example, a customer who has exceeded three attempts at logging in using the mobile banking application on their cell phone can still login to Online Banking on their computer without waiting for the 24 hour cycle to restart.

Phone Enrollment

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If you have not previously activated your mobile device, you will be presented with a phone enrollment page after you complete the login process. You must enter your mobile phone number to enroll your device in Mobile Banking. If you are enrolling an iPad or other mobile device, you can enter your home phone number.

Support
 
At Marquette Bank we continually strive to provide you with the best online banking experience possible. If you have any questions about Marquette Bank’s Online Banking system, please feel free to contact our Customer Service Center at:

1‐888‐254‐9500 or by email at: marquetteservice@emarquettebank.com

Marquette Bank is dedicated to making your Online Banking experience easy, secure, and time‐efficient. Thank you for banking with us, we appreciate your business.