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IMPORTANT: California Bank & Trust will be making security upgrades to our digital systems on Tuesday, June 23, 2020. To see how you can be prepared for this update, please click here.
How is Dual Authorization different than Enhanced Account Protection (EAP)?
Both are internal security controls for your online banking activities.
By its nature, Dual Authorization requires at least two users, and gives the additional control where transactions submitted by one user's credentials must be approved with a second user's credentials.
EAP, on the other hand, can be used by single-user companies as well as multi-user companies. EAP provides a text message code to your phone which you must enter into online banking to complete the requested transaction. If someone other than you try to use your credentials to create transactions, your phone will receive the text message with the code. Also, fraudulent users can't change your telephone number without you being sent a code to alert you if someone is attempting fraud on your accounts.