Frequently Asked Questions about 2-Step Verification

A. 2-Step Verification is an optional security service financial institutions can choose to use/implement. Kingston Community Credit Union has opted to implement this service as an added layer of security for its members.

A. Members are able to select the “Not Now” button to defer their enrollment into 2SV for a certain amount of time. However, once the grace period is exceeded, the member will be required to enroll with an email address or cell phone number to receive their verification code and login.


A. No. After 2SV is implemented, challenge questions and answers will be phased out and will no longer be relevant to members login process. The regular login procedure will be Branch, Member Number, PAC, 2SV Code (If required by system).

A. No. Unfortunately, the system currently allows for one method of verification code at a time. The system allows the choice of EITHER cell phone number, or email when the user enrolls in 2SV.

A. No, not yet. 2SV can only handle one verifiable number.

A. Not yet. Currently the system will determine when the user needs to authenticate themselves further. However, this feature is something we will be looking into for future implementation.

A. You have 3 attempts to input the code correctly from what you receive through text/email.

A. Please call your local KCCU branch and a member service supervisor will be able to unlock you after verifying your identity over the phone as per our regular telephone banking procedures.

A. Each code generated remains valid for 10 minutes from the time it is generated. If the member inputs the code after that time has elapsed, they will receive an error message.

A. Please call (with a different phone) or come into one of our 3 branches where we will identify you as per our regular procedures and then un-enroll your online access.

A.  Yes! Please navigate to the “Profile and Preferences” page and click on the “Change 2-Step Verification Information” option.  

More information about 2-Step Verification 

A third party is an individual or entity, other than the account holder or those authorized to give instructions about the account, who directs what happens with the account. For example, if an account were opened in one individual’s name for deposits that are directed by someone else, the other person or entity would be a third party.

  • A secondary piece of identification from the primary list above
  • Canadian Birth Certificate
  • Credit Card bearing the name and signature of the individual which has issued by a well-known and reputable Canadian financial institution
  • A CNIB (Canadian Institute for the Blind) client card bearing the individual’s photo and signature
  • Provincial Outdoors Card
  • Canadian University or College Student Card with photo (for student identification only)
  • An employee identification card (with photo) issued by an employer that is well known in the community (i.e. KGH, DND, Queens University, Corrections Canada, etc.)
  • Foreign passport
  • Canadian Passport
  • Permanent resident card
  • Citizenship card (issued prior to 2012)
  • Secure Certificate of Indian Status issued by the Government of Canada
  • Driver’s licenses issued by province or territory
  • The DND (Department of National Defense) 404 driver’s license
  • Nexus Card issued by Canada Border Services Agency
  • Provincial Service Cards
  • Provincial or territorial identity cards (i.e. Ontario Photo Identification Card)
  • Foreign Passport (only if it is equivalent to a Canadian issued photo identification document)