What is a soft token?
A soft token is a software app that is downloaded and installed on your Apple or Android smartphone.  The app adds an extra layer of protection to your Business Online Banking account by generating a one-time password each time you log in. This random string of numbers is used when logging into your account or completing certain transactions such as ACH.

Who can use soft tokens?
Talk to your business banker about getting approved for use of the 'DIGIPASS for Business Banking' soft token.  Once approved you will be able to control which employees can access your accounts via the soft token.

How do I enroll my business?
Ask your business banker about using soft tokens then complete the necessary steps to get started.  Watch this video on how to set up and use the free 'DIGIPASS for Business Banking' soft token app.

Where do I find the app?
You can find and download the free soft token app, which works on Apple or Android smartphones and other devices, by searching for 'DIGIPASS for Business Banking' in either the Apple or Google Play app stores.

How does it work?
The soft token app protects access when generating ACH while using your Business Online Banking account by generating random, one-time passwords that you and approved employees will use each time you login to your account.  The one-time string of numbers, combined with the PIN you set up in Business Online Banking, makes it nearly impossible to hack your account.

What if I enter the wrong number when logging in?
If you enter the wrong one-time password/PIN combination, re-enter the correct numbers generated by the app and your PIN.

What if I lose my smartphone?
When setting up the soft token, you have the option to register more than one device.  If you should misplace your smartphone, you can log in with another device.  Another option would be to get a new phone and have FVSBank re-register the new phone.  At that point, you would need also re-install the app.

Can I switch from a hard token to a soft token?
With approval, you can switch from a hard to a soft token by logging into your Business Online Banking account, selecting the Profile page and following the instructions to make the switch.  You'll then turn in your hard token.

What are the best ways to keep my app and account secure?
You should always start by enabling the passcode or biometric access to your smartphone in order to protect access to your device.  The 'DIGIPASS for Business Banking' app also gives you the option to create a regular password or set up a biometric login so you can then generate a one-time password or a digital signature for accessing your account.