If a user forgets their user name or password, they can recover it by selecting Forgot?.
The Forgot? option allows the end user to recover their account by using a method such as entering a code sent via SMS. The default method that is presented first is resetting by username and email. In addition, an end user can also recover their account by using their Social Security Number and account number.
If the end user has not yet used Banno or has not yet enrolled in 2FA, the end user can proceed with recovery by entering their email address and phone number, and the phone number is validated against the core. If the end user does not already have an online banking account, but they select the Forgot? option anyway, they are directed to the enrollment process instead.