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Soft Token Authentication User Guide

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This guide with help you with your Soft Token Authentication.

Table of Contents:

Activating your DIGIPASS soft token:

Note: You will need to log out of Business Online Banking then back in before you can send your first transaction.

Completing Security Challenges using your DIGIPASS soft token:

If you are required to complete a Security Challenge to approve or initiate transactions such as ACH or wire transfers, you will be asked to provide a Digital Signature or a One-Time Password to complete the challenge.

Logging in to Business Online Banking using your DIGIPASS soft token:

Note: This is an option that must be turned on by Fidelity Bank

Soft Token FAQs

  1. 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 or wires.
  2. 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’ll be able to control which employees can access your accounts via the soft token.
  3. How do I enroll my business?
    Ask your business banker about using soft tokens then complete the necessary steps to get started.
  4. 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.
  5. How does it work?
    The soft token app protects access to your Business Online Banking account by generating random, one-time passwords that you and approved employees will use each time you log in to your account. It can also be used to complete high-value transactions such as ACH or wires. 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.
  6. When if I enter the wrong number when logging in?
    If you enter the wrong one-time password/PIN combination, just re-enter the correct numbers generated by the app and your PIN.
  7. What if I lose my smartphone?
    If you lose your smartphone, simply re-register you new phone following these same set-up sets, then delete your old phone in your Business Online Banking profile.
  8. Can I use it with my Business Mobile Banking app?
    Yes, the DIGIPASS for Business Banking app can be used when logging in or completing transactions via Business Mobile Banking. Instead of following desktop activation process, you’ll generate a onetime password from the DIGIPASS for Business Banking app to log in from your mobile banking app or when you complete a transaction.
  9. Can I switch from a hard token to a soft token?
    Yes, 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.
  10. 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 to set up a biometric login so you can then generate a one-time password or a digital signature for accessing your account.