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AVB Online login procedures will be changing, effective June 9, 2013.  We are streamlining the process by eliminating picture and phrase, while adding new layers of security behind the scenes. 


Benefits of new AVB Online banking login:

  • Significant improvement to the security of login authentication to mitigate against current and emerging fraud trends. 
  • Improves your overall experience by streamlining the process for routine logins.

How it works:

  • A routine login authentication requires a valid user ID plus two additional components, or factors, such as Device Profiling and a strong password.
  • A typical login process begins by entering a valid user ID.
  • Once a valid user ID is entered, the Device Profiling process determines if the device profile is typical for past successful logins with the device. If it is typical, the Password page appears. The Password page will no longer include a picture and phrase.  If it is not typical, you will be required to use step-up authentication.
    Note: If your password is expired, the Password Reset page is displayed.

Device Profiling:

After your user ID is entered into AVB Online, your device and network path are profiled to detect indicators of fraudulent activity. Over 100 attributes are gathered and reviewed against specific business rules. These attributes are compared to what has been seen as a typical configuration for your login device. This evaluation occurs behind the scenes for all AVB Online logins. New customers and existing customers logging in from a new device are no longer asked to register their device. Device Profiling is performed with every login.


There are two possible outcomes for AVB Online users:

  • User Not Challenged - Indicates the device profile is typical and there is nothing suspicious. Step-up authentication is not necessary. You will proceed to the next step in the login process and enter your password.
  • User Challenged - Indicates the device profile is not typical and, therefore, step-up authentication, Out-of-Band Authentication, is required. If this occurs, you will be required to complete step-up authentication before proceeding to the next step in the login process.
    Notes: Lockouts continue to occur when an invalid password is entered beyond allowed retries.

Out-of-Band Authentication:


An Out-of-Band Authentication solution that uses a phone call or text message will confirm your identity.

  • When you use a phone call to confirm your identity, you must first select a phone number from the numbers that are on record in AVB Online. You must have access to the phone to log in. After selecting the phone number, you will receive an automated phone call that instructs you to say or enter the one-time security code displayed on the Enter Security Code dialog into the phone.
  • If you use a text message to confirm your identity, you will need to enter your mobile phone number to give permission to send the text message. The number entered must match the number in AVB Online. In this case, the one-time security code is delivered to the mobile phone by text message and you will enter the code on the Enter Security Code dialog.
    To begin authentication using Out-of-Band Authentication, click Continue with Security Code on the Step-Up Authentication page. 

Tell Us Where to Reach You Dialog

The Tell Us Where to Reach You dialog prompts you to select a phone number to use for Out-of-Band Authentication.



You cannot successfully complete the Out-of-Band Authentication process without at least one valid phone number recorded in AVB Online. The My phone Number is Not Listed link displays instructions about updating phone numbers. If your phone number is not listed, it must be changed in AVB Online before you can successfully log in from an unfamiliar device. Please call 412-781-0318 for assistance.

Phone Call Authentication
If you select a phone number on the Tell Us Where to Reach You dialog and then click Continue, the Enter the Security Code dialog is displayed. You will receive a phone call at the selected phone number.


When the phone call is received, you will be asked to speak or enter the displayed one-time security code. You have three attempts to correctly enter or speak the security code.

After completing the phone call, click Phone Call Completed.

If you spoke or entered the correct security code, Out-of-Band Authentication is successful and the you will proceed to the Password page (or the Password Reset page if you are updating your password).

If you click the I didn’t receive a phone call link, further instructions are displayed on the Phone Call Not Received dialog.



Text Message Authentication

If you select the text message option on the Tell Us Where to Reach You dialog and click Continue, the Enter Your Mobile Phone Number dialog is displayed. You will be prompted to enter a mobile phone number where the text message can be sent.

If you click Terms of Use, a secondary browser window opens and displays a Terms of Use page. This page is required by wireless carriers.

Note: Based on your carrier contract, you may be charged standard text message rates.


After you enter your mobile phone number and click Send Text Message, the phone number is validated.

If the mobile phone number matches your number on record, a text message containing a one-time security code will be sent to your phone and the Enter the Security Code dialog is displayed.



On the Enter the Security Code dialog, you are asked to enter the one-time security code that was sent in the text message.

When you enter the code and click Submit, AVB Online verifies that the entered security code matches the security code sent by text message. You have three attempts to enter the security code correctly.

After the correct security code is successfully entered, Out-of-Band Authentication is successful and you can proceed to the Password page (or the Reset Password page if you are updating your password).

If you click I didn’t receive a text message, further instructions are displayed on the Text Message Not Received dialog.


For more information or questions, call or visit your local branch office.