Two-factor or multi-factor authentication (MFA) is a service that adds additional layers of security to the standard password method of online identification. Without two-factor authentication, you would normally enter a username and password. With two-factor, you would be prompted to enter one additional authentication method such as a Personal Identification Number, another password, or even a fingerprint.

With multi-factor authentication, you would be prompted to enter more than two additional authentication methods after entering your username and password. October is Cyber Security month, keep hackers out of your accounts by using both your password and your phone.