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CashPro login — MFA and Tokens Security Guide

Secure CashPro login procedures require multi-factor authentication (MFA) to protect financial operations. Unlike consumer banking, enhanced security is essential for protecting business transactions, which often involve higher values and require multiple user authorizations. Understanding how MFA and tokens work is crucial for maintaining uninterrupted access to your treasury management functions.

Note: MFA is mandatory for all CashPro users. A valid authentication token must be registered to your profile before you can complete the CashPro login process.

MFA Basics for CashPro

Multi-factor authentication adds an essential security layer beyond passwords by requiring something you physically possess (a token) to generate a one-time passcode (OTP). This dramatically reduces the risk of unauthorized access, even if a password is compromised.

Why MFA is Critical for Business Banking

  • Protects high-value business transactions
  • Secures sensitive financial data
  • Helps prevent fraudulent activity
  • Provides audit trail of authenticated access

MFA Factor Categories

The system uses a combination of authentication factors:

  1. Something you know: Your username and password
  2. Something you have: Your hardware token or software token app
  3. Something you are: Biometric verification (for mobile app users)

By requiring multiple factors, CashPro significantly reduces the risk of unauthorized access. Even if credentials are compromised, an attacker would still need physical possession of your token device.

CashPro Token Types and Comparison

Bank of America offers multiple token options for authentication. Your organization may standardize on a particular type based on security policies and user needs.

Hardware Tokens

Physical devices specifically designed to generate secure one-time passcodes:

  • Key Fob Tokens: Small devices with a display that shows a changing numeric code
  • Display Card Tokens: Credit card-sized devices with an embedded display
  • Push-Button Tokens: Require a button press to generate a new code

Software Tokens

Applications installed on mobile devices that generate authentication codes:

  • CashPro App: Bank of America's dedicated mobile application
  • Third-party Authenticators: Apps like Symantec VIP Access
Feature Hardware Token Software Token
Physical Device Required Yes - dedicated device No - uses existing smartphone
Battery Life 3-5 years (non-replaceable) N/A (uses phone battery)
Replacement Process Physical shipping required Digital re-activation possible
Vulnerability to Phone Loss Not affected Access lost if phone lost
Push Notifications Not available Available (easier approval workflow)
Biometric Integration Not available Can use phone biometrics

Many organizations maintain a mix of token types: hardware tokens for critical administrators and software tokens for standard users. Your experience will vary slightly depending on token type.

Token Time Synchronization Issues

The most common authentication problem involves time synchronization. Token-generated codes are time-based and must align with Bank of America's authentication servers.

How Time-Based Tokens Work

One-time passcodes are generated using:

  1. A secret key unique to your token
  2. The current time (usually updating every 30-60 seconds)
  3. A cryptographic algorithm that combines these elements

For successful authentication, your token's time must be synchronized with the server time.

Common Time Synchronization Problems

  • Internal Clock Drift: Hardware tokens can gradually become out of sync
  • Device Time Settings: Mobile devices with incorrect time settings affect software tokens
  • Time Zone Changes: Traveling across time zones without automatic updates

Fixing Time Synchronization for Software Tokens

  1. Ensure your mobile device is set to update time automatically
  2. In device settings, enable "Set Automatically" for date and time
  3. Verify your time zone is correctly detected
  4. If issues persist, try toggling airplane mode to force a network time update
  5. Restart the authenticator app after time adjustments

Resolving Hardware Token Desynchronization

Hardware tokens may require resynchronization if they consistently produce invalid codes during CashPro login:

  1. Contact your company's CashPro administrator
  2. Admins can initiate a token resync procedure in the admin console
  3. Follow the resync procedure, which typically requires entering multiple sequential codes
  4. For severe drift, token replacement may be necessary

Token Activation and Registration Process

New users or those replacing tokens must complete an activation process before they can use the token for authentication.

Hardware Token Activation

  1. Receive your physical token from your CashPro administrator
  2. Log in to CashPro using temporary credentials provided by your administrator
  3. Navigate to the security settings or token management section
  4. Select "Activate Hardware Token" option
  5. Enter the serial number found on your token device
  6. Follow prompts to enter one or more codes from your token
  7. Complete the verification process
  8. Your token is now linked to your CashPro profile

Software Token Activation

  1. Install the appropriate authenticator app on your mobile device
  2. Log in to CashPro using temporary credentials
  3. Navigate to security settings or token management
  4. Select "Activate Software Token" option
  5. A QR code or activation key will be displayed
  6. Scan the QR code with your authenticator app (or manually enter the key)
  7. Enter the verification code generated by your app
  8. Complete the activation process

Important: Token activation typically requires special temporary access. If you encounter problems, contact your administrator immediately rather than making multiple failed attempts, which could trigger security lockouts.

Troubleshooting Common MFA Errors

Even with properly synchronized tokens, users sometimes encounter MFA issues during the login process. Proper CashPro login security requires resolving these issues promptly.

Invalid Code Errors

  • Delayed Entry: Codes expire every 30-60 seconds; ensure you enter the code promptly
  • Transcription Errors: Double-check you're entering the exact digits shown
  • Code Generation Timing: If entering code near the end of its validity period, wait for a new code

Token Not Recognized

  • Hardware Damage: Check if the token display is fully visible and not damaged
  • Battery Failure: If the display is dim or flickering, the battery may be failing
  • Token Deactivation: Your token may have been administratively deactivated
  • Profile Mismatch: The token may not be correctly registered to your profile

Mobile App Authentication Issues

  • App Updates: Ensure your authenticator app is updated to the latest version
  • Push Notification Failures: Check notification permissions and network connectivity
  • Device Changes: Moving to a new phone requires re-activating your token
  • Operating System Compatibility: Verify your OS meets minimum requirements

When to Request a New Token

Consider requesting a replacement for secure authentication in these situations:

  • Token displays persistent error messages
  • Physical damage to hardware token
  • Display becoming dim or difficult to read
  • Lost or stolen token (report immediately)

Security Alert: If your token is lost or stolen, immediately notify your administrator so they can deactivate it and issue a replacement. This prevents potential unauthorized access attempts.

Quick Navigation

Quick MFA Checklist for CashPro Login

  1. Verify token is registered to your profile
  2. Ensure device time is correctly synchronized
  3. Generate a fresh code when prompted
  4. Enter code promptly before expiration
  5. Report lost/stolen tokens immediately

Official references (text only)

  • cashpro . bankofamerica . com /
  • cashproonline . bankofamerica . com /
  • bankofamerica . com / smallbusiness /

Independent information site — not affiliated with Bank of America. We never ask for or collect credentials.