, commonly referred to as Dual Control (or Maker/Checker), is offered to all Cross River Digital Banking customers who use the online banking platform. This feature is a strong fraud prevention mechanism that requires two separate people to initiate and authorize every transaction originated from your account.  The 

 feature is configured when we set up your account. Your account admin can decide who can draft transactions and who can approve transactions.

As a “Drafter” you will not have permission to approve your transactions, but can only click 

 on the ACH or Wire payment screens. As an “Approver”, you will be able to approve drafted transactions by navigating to the 

, clicking on the 3-dot menu, and selecting 

If you are not one of the configured users for approval, then this screen displays.

If you are a configured to approve transactions when you click 

Enter the code (shared with you by email/text/call) and then this screen will display.

2 Factor Authentication (2FA)

Dual Action

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