Adding Two-Factor Authentication (2FA) is one of the best ways to protect your M1 account. This article will explain what 2FA is, why you should use it, how to set it up, troubleshoot issues, and what to do if you lose access to your authenticator device.
What is Two-Factor Authentication (2FA)?
Two-Factor Authentication adds an extra layer of security. In addition to your password, you’ll use a time-sensitive code from an authenticator app to log in. These “one-time” codes change every 30 seconds, making it much harder for anyone but you to access your account.
Why use 2FA?
Even if someone gets your password, they cannot log in without the code from your authenticator app.
2FA significantly limits the risk of account takeover or unauthorized access.
Using 2FA is like using a debit card that also requires your PIN for added safety.
Supported authenticator apps
You can use any standard TOTP-based (Time-based One Time Password) app to generate login codes, including:
Google Authenticator
Microsoft Authenticator
Authy
LastPass Authenticator
1Password
Duo Mobile
Tip: Most authenticator apps are free and available on iOS and Android app stores.
How to enable 2FA on your M1 account
Log in and go to your account Settings.
Navigate to the Security section.
Click the button to Turn On Two-Factor Authentication.
Scan the QR code or manually enter the setup key into your chosen authenticator app.
Enter the code generated by your app to confirm and finish setup.
See M1’s security recommendations for general best practices.
How to use 2FA
After enabling, every login will require both your password and a code from the authenticator app.
Codes are not sent by text/SMS or email. Find your code in the authenticator app itself.
Troubleshooting common 2FA issues
Authenticator codes not working?
Make sure the device running your authenticator app displays the correct date and time (set to automatic/time sync).
If you use Google Authenticator:
Open the app’s menu.
Tap Settings > Time correction for codes > Sync now.
Re-enter the setup key if you switched devices or deleted your authenticator.
Can't scan the QR code?
Select the manual entry option in your authenticator app and type in the provided setup key.
Still having trouble?
Try disabling ad blockers or privacy tools during setup.
Double check you aren’t entering old codes or confusing digits (codes refresh every 30 seconds).
If locked out, M1 Client Success.
Backup and recovery options if you lose your device
Before you lose access:
Save your M1 2FA setup key somewhere safe when you enroll (most apps show this after scanning the QR code). You can use it to restore access on a new device.
Some apps (like Authy or 1Password) let you restore accounts across multiple devices. Consider setting this up.
If you have already lost your device and cannot log in:
You’ll be asked to provide a photo of your valid, government-issued ID and a selfie.
After verification, M1 will help reset your 2FA so you can log in and set up a new authenticator app.
Note: You do NOT have to disable 2FA to reset your password.
How to disable 2FA
If you can log in
Web:
Go to your account Settings > Security.
Toggle Two-Factor Authentication off.
Mobile:
Go to your account Settings.
Tap Enable 2 Factor Authentication tab to access the toggle.
Switch off Two-Factor Authentication.
If you cannot log in
Go to the 2FA Request Form to submit a request (below)
Provide a photo of your government ID and a selfie for verification.
After your identity is confirmed, M1 will disable 2FA and notify you.
Click here to submit a request to disable 2FA in our Client Center.
Learn more ways to protect your account by viewing our security recommendations.
This content was generated using artificial intelligence and is intended for informational and educational purposes only. While reasonable efforts are made to ensure accuracy, AI-generated outputs may omit key context; and should not be construed as financial, investment, legal, or tax advice. Users should independently verify all information and consult a qualified professional before making any financial decisions.
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