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Multi-Factor Authentication

Strong security to protect participants

As digital channels increasingly become participants' go-to source for plan account information, we’re committed to protecting that information by implementing increased security capabilities.

Multi-Factor Authentication is mandatory and provides participants with an extra layer of security in addition to normal protocols (username, password, and security questions). Participants enter a unique code that only they have access to.

Once participants are enrolled in Multi-Factor Authentication, they follow these steps to log in.

Log in

1. The participant logs in with their username and password.

Security code

2. A security code is generated and sent to the participant (by authenticator app, text, or automated phone call).

Enter code

3. The participant enters the code to complete the login.

Participants are in control

When participants set up Multi-Factor Authentication, they choose how often to receive the code and their preferred security channel through which they’ll receive their security code:

authenticator app

Authenticator App

Participants download a third-party app that generates a security code every 30 seconds.

text to mobile

Text to a Mobile Device

Participants can receive a six-digit code through a text message to their mobile device.

phone call

Automated Phone Call

Participants can receive a six-digit code through an automated phone call to a mobile device or landline telephone.


Contact your T. Rowe Price representative to find out how we can partner to protect your participants.