Also known as two-factor authentication, 2FA protects your account using both your password and phone. It adds an extra layer of security to your account, in case your password is ever stolen.
Why it matters
When a hacker steals your password, they could lock you out of your account and gain access to your card information and account number(s). They could even transfer funds out of your account.
With 2FA, if someone gets through your password layer, they will still need your phone or email to gain access to your account.
2FA setup
First, you’ll want to confirm that the phone number and email address currently associated with your Oxygen account are up to date and can receive your 2FA code.
To update your email address and/or your phone number, please:
1. Log in and tap “More” on your account homepage.
2. At the top of the “More” page, tap on your name.
3. Tap on “Edit profile information.”
4. Add or update your current and accurate information, then tap on “Change.”
Once you’ve corrected your profile information (or if your profile information is already up to date), update the app and you’ll be prompted to set up 2FA. You’ll receive a 2FA code via SMS or email that you will use to input and finalize your 2FA setup.
You’ll be prompted to use 2FA when:
1. On a new device
2. When the Oxygen app is deleted and re-downloaded
3. After the password expires
4. After changing or updating your password
If your code took too long to arrive or you never got a code
If your SMS code never arrived or was delayed, you can opt to use your email address instead. Just choose your email address instead of your phone number from the list of available receipt options during the 2FA setup in the app.