The Little Western Canadian Bank That Could . . . | Motive Financial | Discussion forum

Now if only Motive didn't require you have a smart phone to open an account. They do look like a good institution for the majority who do though.

Dean said
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Say What ?! ⬆

I recently became new a customer at Motive, and I now have two SAs and a GIC with them ... all done on my Desktop ... No smart phone involved.

Dean

  

Interesting, when I tried they said I had to give them a smartphone for their 2FA authentication and for a code during sign up which would be sent by text. This was a few weeks ago.

I even emailed their support and got this answer:

Motive Financial does require a cellphone number of a phone that can receive text messages use of Multi-Factor Authentication – we send a text message to you every time you log into your account for security purposes to minimize unwanted access.

This is similar operations to most online banks since we operate non-face-to-face.

We apologize for the inconvenience,

Client Support

T 1.877.441.2249 | F 1.877.441.2250
Suite 3000, 10303 Jasper Ave
Edmonton, AB, T5J 3X6
motivefinancial.com

Dean said

Check again ... you can also have the 2FA sent as an Email (no smart phone required).

That's how mine is.

Dean

  

I was told no. How did you bypass the requirement when creating the account?

I tried ignoring the requirement for a mobile number as well and it wouldn't let me proceed.

Thank you Dean, I will do that and call if I decide to open with them again. I guarantee they all have this ability, it's just whether they allow you to use it or not, because either they are not knowledgeable or the policy is too strong with the dark side.

Not sure why u prefer email over phone 2FA when email is much less secured, especially if security is your concern.

smayer97 said
Pros and cons for 2FA via mobile vs computer. I consider 2FA less secure via email than phone simply because of the mobility of the phone and how easy it is to hack into a phone.
And via email, you can still access 2FA via mobile. So best of both worlds.  

Unless ur email is setup to require 2FA every time u access ur email (which then will mean the 2FA is sent to a phone after all :0), I dont know why email is more secure.
If anything, one is much easier to hack my email acct than my phone.
if the FBI cant even hack an iphone (it was on the news not too long ago), I consider my phone pretty safe 🙂
Its true tho email 2FA means u can access via mobile or desktop.

smayer97 said
Not sure about this backdoor method. Had I known, I would have pushed for it too.

I ended up having to use a cell #. I used the same one to open accounts for my entire family over the past week or so. Once done, you do not need it again. You can have 2FA done via email only. So the cell # is temporary and does not have to stay linked to your account.

That is what I did. Now all 2FA is via email.

Pros and cons for 2FA via mobile vs computer. I consider 2FA less secure via email than phone simply because of the mobility of the phone and how easy it is to hack into a phone.

And via email, you can still access 2FA via mobile. So best of both worlds.  

That's great to know. There's such an inability for people to imagine that other people aren't living their reality, that it's just assumed you have or will use a smartphone for everything and they can't even begin to understand that there are many good reasons for people to do things differently from them or the preferences of the business they own/work for.