You will need either your mobile phone number or your email address to register for 2-Step Verification. It’s important to use your own mobile phone number or an email address you can access easily, as you will need to retrieve and input a verification code to access your online banking.

You will have 45 days to register for 2-Step Verification and will be provided with the opportunity to enroll each time you attempt to login to your online banking. After the 45 days have passed, you will need to sign up for 2-Step Verification to access your online banking.

Enrolling in 2-Step Verification is easy and will take you about 5 minutes from start to finish.

2-Step Verification will replace the use of security questions and answers to confirm your identity, as it adds a layer of protection to the login process and is becoming a new industry standard security practice.

While you’re not able to register for 2-Step Verification using a landline, you can sign-up using an email address instead. If you don’t have an email address, there are lots of great email providers that offer free service to choose from

Just like with your security questions, you will only be asked to enter a verification code when added confirmation of your identity is needed, such as when you attempt to log into online banking from an unfamiliar device or are trying to access your banking in a new location.

Don’t worry – we’re here to help. Contact or visit your nearest branch and our staff can confirm your identity and reset your 2-Step Verification. Once your branch resets your 2-Step Verification, you will be asked to register for 2-Step Verification using updated information the next time you attempt to log into online banking.

Outside of regular business hours, you can contact Sonoma Online Technical Support at 1-888-CREDIT-U (273-3488) and they will be happy to help you

First, if you’ve registered for 2-Step Verification using an email address, make sure to check your spam folder. If you haven’t received a code after 10 minutes, you can click on the “Didn’t receive a code” link in the Enter Your Verification Code screen to have a new code sent.

If you’re just signing up for 2-Step Verification and haven’t received a code, you may also want to confirm that you have input your mobile phone number or email address correctly. If you find an error, you will have the option to back up a step and correct your information.

To help keep your information secure, we would recommend that you and your joint account holder use individual logins to access online banking. Primary account holders log in using the member login number (account number but with "00" as the 7th and 8th digits eg. XXXXX00X). Joint account holders log in using the full account number on which they are joint (eg. XXXXX01X).



Both Primary and Joint account holders must register their respective mobile phone number or email address to retrieve and input a verification code to access online banking. If you or your joint account holder needs to set up your own login, please contact your branch.

2-Step Verification does not collect or store any personally identifying information.