Two-factor authentication—also known as “TFA”—offers an extra layer of protection that is most commonly tied with an additional device like your smart phone to complete the authentication (login) process. Users can opt into Phone TFA, which offers extra protection every time you access your account. As soon as you sign in with your username and password, you will receive a text message on your phone with a one-time code, which you will then need to enter to access your account.