NEFCUOnline uses an extra layer of security beyond the username and password to protect against fraud and identity theft. Access is only possible from devices that you have registered and linked to your accounts, or by using a one-time secure access code delivered to you via text, phone, email, or authenticator app. You are in control of which computers and mobile devices are allowed to access your accounts, and no access is allowed without using either a registered device or a one-time secure access code.