NY E-ZPass login gives New York drivers fast control over their toll account. The login portal at e-zpassny.com lets you check your balance, pay tolls, update vehicles, and fix login errors in minutes. This page covers every part of the NY EZPass sign-in process, from creating a new account to resetting a lost password.
The New York EZPass system serves millions of drivers across the state. The Thruway Authority, MTA Bridges and Tunnels, and Port Authority all use the same login system. Whether you drive a personal car, a work truck, or a leased vehicle, the login steps work the same way. Below you will see the full login process, account setup, password reset, mobile app access, payment options, and solutions for common login problems. Every section uses plain language so you can follow along without trouble.
What NY EZPass Does for Drivers
NY E-ZPass is an electronic toll collection system. A small device called a transponder sticks to your windshield. As you pass through a toll plaza, the system reads the tag and deducts the toll from your prepaid account. No cash. No coins. No stopping at booths. The system works on the New York State Thruway, MTA bridges and tunnels, and most toll roads in 19 other states. Drivers save money on most tolls. The basic plan offers up to 35% off cash toll rates on the Thruway. Other plans offer bigger savings for frequent drivers. Your NY E-ZPass login gives you control over all of this from your phone or computer. You can check your balance at midnight. You can add money at lunch. You can update your license plate from your office. The login portal makes toll management simple.
How to Access the NY EZPass Login Portal
The official NY EZPass login portal sits at https://www.e-zpassny.com/ezpass/sign-in. Type this address into your browser bar. Do not click links from emails or text messages, even if they look real. Scammers copy the login page to steal passwords. Always type the address yourself.
Offical Link: https://www.e-zpassny.com/ezpass/sign-in
The login page asks for two things. First, your username or account number. Second, your password. The account number is a 9-digit number that came on your welcome letter or sits on the back of your transponder. If you do not have either, you can recover it through the website using your email address. After you enter your details, click the yellow “Sign In” button. The page loads your account dashboard. The dashboard shows your balance, recent trips, payment history, and account settings. From here, you can do almost anything related to your toll account.
Field on Login Page | What to Enter | Where to Find It |
|---|---|---|
| Username or Account Number | 9-digit number or chosen username | Welcome letter, transponder sticker, or email |
| Password | Your secret login code | Created during account setup |
| Remember Me | Optional checkbox | Skip on shared computers |
| Sign In Button | Yellow button | Bottom of the form |
Creating a New NY EZPass Account
You need an account before you can log in. The sign-up process takes about 10 minutes. Have your driver’s license, vehicle registration, and a credit card or bank account ready before you start. Go to e-zpassny.com and click “Open Account” at the top of the page. Choose between a personal account and a business account. Most drivers pick personal. Business accounts need a tax ID and offer fleet management tools.
Fill in your name, home address, email, and phone number. The email you enter becomes your primary contact for password resets and low-balance alerts. Use an email you check often. Add your vehicle details: license plate number, state, make, model, and year. The system links each plate to your transponder. Choose a payment method. The system accepts credit cards, debit cards, and bank drafts. Credit cards usually cost an extra fee. Bank account drafts (ACH) are free. Pick the option that works best for you. Set your starting balance. The minimum is $25 for a personal account
EZPass NY Password Reset Process
Forgot your password? The reset process is fast. Go to the login page and click the “Forgot Password” link below the password box. The system asks for the email on your account. Type that email and click submit. Check your email inbox within 5 minutes. The system sends a reset link. Open the link and create a new password. Your new password must be 8 to 20 characters long. Use a mix of letters, numbers, and symbols for better security. Avoid birthdays, pet names, or common words.
Did the email not arrive? Check your spam folder. If it sits there, mark it as “Not Spam” so future emails land in your inbox. Some email providers block messages from new senders. Add noreply@e-zpassny.com to your contacts to fix this. Still no email? Call customer service at 1-800-333-TOLL (8655). A representative can verify your identity and trigger a new reset email. Service hours run Monday through Friday from 7 AM to 7 PM and Saturday from 8 AM to 1 PM.
Two-Factor Authentication for EZPass NY
Two-factor authentication adds a second security step to your login. After you type your password, the system sends a 6-digit code to your phone. You must type this code to finish logging in. This stops anyone who steals your password from accessing your account. Turn on two-factor authentication in your account settings. Click your name at the top of the dashboard. Select “Security Settings” or “Login Security.” Choose “Enable Two-Factor Authentication.” Enter your mobile phone number. The system sends a test code to confirm the number works. Once turned on, every login asks for the code. The code expires after 10 minutes. If you do not use it in time, request a new one. You can choose to trust your personal devices for 30 days. The system skips the code on trusted devices during that period.
Lost your phone or changed numbers? Log in to your account on a trusted device and update the phone number. If you cannot access any trusted device, call customer service with proof of identity. They can disable two-factor authentication after verifying your details.
| Two-Factor Option | How It Works | Best For |
|---|---|---|
| Text Message Code | 6-digit code sent to your phone | Most users |
| Email Code | 6-digit code sent to your email | Backup option |
| Authenticator App | Code from a phone app like Google Authenticator | High-security users |
| Trusted Device | Skip code on your own devices for 30 days | Personal phone and computer |
Mobile App Login Through Tolls NY
The Tolls NY app works on iPhone and Android phones. Download it from the Apple App Store or Google Play Store. The app logo shows a blue and white toll booth icon. Make sure you download the official app, not a copy or a similar name. Open the app after install. The first screen asks for your NY EZPass login details. Type your account number and password. Tap “Sign In.” The app remembers your login for 30 days unless you log out manually. You can use Touch ID or Face ID on supported phones for faster access.
Checking Your NY E-ZPass Account Balance
Your balance shows up the moment you log in. The dashboard displays the current balance in large numbers at the top. Below it, the system shows a list of recent trips with dates, locations, and toll amounts. A running total of monthly toll spending sits at the bottom of the page. You can also check your balance without logging in. Call the automated phone line at 1-800-333-TOLL. The system asks for your account number and ZIP code. It then reads your current balance. This option works 24 hours a day, 7 days a week.
Low balance alerts help you avoid running out of money. Set your alert threshold in account settings. Most drivers pick $10 or $20. The system sends a text or email when your balance drops below that number. Auto-replenish adds money to your account automatically when the balance gets low. To check your balance through the mobile app, open Tolls NY. The home screen shows your current balance in a colored bar. Green means good. Yellow means low. Red means critical. Tap the bar for a full breakdown of recent activity and account history.
Recharging Your NY EZPass Account
Adding money to your account takes less than a minute. Log in to the portal and click “Add Funds” or “Replenish Account.” The system shows your current balance and your payment methods. Pick the payment method you want to use. Type the amount you want to add. The minimum is $25. Credit card payments post to your account right away. Bank account drafts take 1 to 3 business days. Plan ahead if you use ACH. The system warns you when your balance drops below your auto-replenish threshold. Auto-replenish adds money before you run out.
Set up auto-replenish in your account settings. Pick a threshold (the lowest balance allowed) and a refill amount. Most drivers set the threshold at $20 and the refill at $50. The system adds $50 when the balance drops below $20. You can change these numbers anytime. Payment methods include Visa, MasterCard, Discover, American Express, debit cards, and bank accounts. Some credit cards charge a 1.5% convenience fee. Bank account drafts have no fee. Check your card terms before adding it. Prepaid debit cards work but may have daily limits.
| Payment Method | Processing Time | Fee |
|---|---|---|
| Credit Card | Instant | Up to 1.5% on some cards |
| Debit Card | Instant | No fee |
| Bank Account (ACH) | 1-3 business days | No fee |
| Check by Mail | 7-10 business days | No fee |
| Cash at Retailer | Instant | Retailer may charge small fee |
NY Thruway E-ZPass Account Access
The New York State Thruway Authority runs EZPass accounts for most of the state. The Thruway stretches from New York City to Buffalo and includes the Governor Mario M. Cuomo Bridge. Thruway drivers get special discount plans that can save up to 75% on tolls. Log in to your account at e-zpassny.com to access Thruway-specific features. The Thruway section shows your monthly trip count, your discount tier, and your average savings. Drivers who take 30 or more Thruway trips per month qualify for the highest discount level.
The Thruway discount plans include the Basic Plan, the Commuter Plan, and the Resident Plan. The Basic Plan gives 35% off cash tolls with a $25 starting balance. The Commuter Plan gives 50% off with a minimum balance and a monthly trip requirement. The Resident Plan offers 75% off for residents near the Governor Mario M. Cuomo Bridge.
MTA E-ZPass Account Login Details
The MTA runs E-ZPass for bridges and tunnels in New York City. This includes the Verrazzano-Narrows Bridge, the Robert F. Kennedy Bridge, the Queens Midtown Tunnel, the Hugh L. Carey Tunnel, and the Cross Bay Veterans Memorial Bridge. The login system stays the same as the Thruway portal. MTA EZPass users see city-specific tolls in their trip history. Tolls at MTA crossings often differ from Thruway tolls. The discount plans for MTA crossings are separate from Thruway plans. You can hold both plans on the same account if you use both types of roads. Staten Island residents get a special MTA discount called the Staten Island Resident Plan. This plan offers reduced tolls at the Verrazzano-Narrows Bridge. To qualify, you must live in Staten Island and register your vehicle with proof of residence. Apply through your account login under “Plans.”
Rockaway residents qualify for the Rockaway Resident Plan. This gives reduced tolls at the Cross Bay Veterans Memorial Bridge and the Marine Parkway-Gil Hodges Memorial Bridge. Same application process: log in, pick the plan, upload proof of address, and wait for approval.
Port Authority E-ZPass NY NJ Access
The Port Authority of New York and New Jersey runs E-ZPass at several crossings. These include the George Washington Bridge, the Lincoln Tunnel, the Holland Tunnel, the Bayonne Bridge, the Goethals Bridge, and the Outerbridge Crossing. The Port Authority uses a separate login at e-zpassny.com.
Your existing NY EZPass account works at Port Authority crossings without any extra setup. The system reads your tag the same way. Your balance covers Port Authority tolls. You do not need a second account for New Jersey crossings. One account covers all 19 member states. Port Authority tolls are among the highest in the region. The George Washington Bridge and Lincoln Tunnel charge over $15 for passenger vehicles during peak hours. E-ZPass users get a discount compared to cash or Toll by Mail rates. The discount varies by crossing and time of day.
EZPass NY Discount Plans and Enrollment
Discount plans cut your toll costs. The Basic Plan is free with account setup and gives 35% off cash tolls. The Commuter Plan gives deeper discounts for drivers who use the Thruway often. The Resident Plan offers the biggest savings but has strict eligibility rules. Enroll in a plan through your account login. Click “Discount Plans” in the menu. Read the terms for each plan. Pick the one that matches your driving habits. Enter your vehicle details and confirm your balance meets the minimum. Submit your application.
| Plan Name | Discount | Monthly Minimum Trips | Minimum Balance |
|---|---|---|---|
| Basic Plan | Up to 35% off | None | $25 |
| Commuter Plan | Up to 50% off | 20 Thruway trips | $50 |
| Resident Plan | Up to 75% off | Specific to crossing | Varies by location |
| Business Plan | Varies | None | $50 per tag |
Payment Methods and Online Bill Pay
Online payments through the NY E-ZPass portal are safe and fast. The system uses bank-level encryption to protect your card details. Look for the lock icon in your browser bar before entering payment info. This confirms the connection is secure. Add a new payment method in account settings. Click “Payment Methods” and then “Add New.” Pick the type: credit card, debit card, or bank account. Enter the details. For bank accounts, you need the routing number and account number from a check. The system verifies small deposits within 1 to 3 days. Set a default payment method for auto-replenish. The system uses this method whenever your balance drops below the threshold. You can change the default anytime. Keep at least one valid payment method on file to avoid service interruption. Remove old payment methods when you cancel a card or close a bank account. Old methods can cause failed payments, which lead to negative balances and possible toll violations. The system warns you before removing a default method. Pick a new default first.
Viewing EZPass NY Statements and Trip History
Your account statement lists every toll charged in a billing cycle. Log in and click “Statements” or “Billing History.” Pick the month you want to review. The system shows a PDF statement you can download or print. Statements are available for the past 24 months. Trip history shows every toll in real time. Click “Trip History” to see the most recent 90 days. Each entry shows the date, time, crossing location, and toll amount. You can sort by date, location, or amount. Export the data as a CSV file for tax or business records. Business users get extra reporting tools. Log in to your business account to access fleet-wide reports. See total spending by vehicle, driver, or department. Set spending limits and alerts. Generate tax-ready reports for mileage and toll deductions. Dispute a charge if you see a toll that does not match your trip. Click the trip entry and select “Dispute This Charge.” The system opens a support ticket. Include the date, time, and reason for the dispute. Customer service reviews the case within 5 to 7 business days.
Paying E-ZPass NY Violations and Tolls by Mail
Violations happen when you pass through a toll without enough balance or a working tag. The system captures your license plate and sends a bill to the registered owner. This bill is called Toll by Mail. You have 30 days to pay before late fees apply. Pay violations through your account login. Click “Violations” or “Outstanding Tolls.” The system shows any unpaid tolls linked to your license plate. Pick the tolls you want to pay and add them to your cart. Check out using your saved payment method. Toll by Mail bills arrive by postal mail. The bill includes a link to pay online at e-zpassny.com. You can also pay by phone at 1-800-333-TOLL. Pay early to avoid extra fees. Late fees can double the original toll amount.
Convert Toll by Mail to EZPass to save money. Drivers with EZPass pay lower tolls than Toll by Mail customers. If you got a Toll by Mail bill, open an E-ZPass account and link your plate. The system applies the lower EZPass rate to future tolls. Dispute a violation if you had a working tag at the time of the toll. Call customer service with your account number and the violation number. They review the tag reads and plate reads to find the error. Approved disputes remove the violation from your record.
E-ZPass Transponder Registration and Tag Replacement
Register a new transponder through your account. Log in and click “Vehicles & Tags.” Click “Add Tag” or “Register Tag.” Type the tag number printed on the back of the device. Link it to a vehicle on your account. The tag activates within 30 minutes. Replace a lost or damaged tag for free. Call customer service or log in and click “Replace Tag.” The system deactivates the old tag and ships a new one. The new tag arrives in 5 to 7 business days. Standard shipping is free. Faster shipping costs extra.
Mount the tag correctly for best results. Stick it to the inside of your windshield, about 2 inches below the rearview mirror. The tag must face forward. Do not put it on a tinted strip or behind metal. Wrong placement causes missed tolls and violations.
E-ZPass NY Login Problems and Error Fixes
Login problems stop you from managing your account. Most issues have simple fixes. Below are the most common problems and how to solve them.
Wrong Password Error: The system locks you out after 5 wrong tries. Wait 15 minutes, then try again. If you cannot remember the password, click “Forgot Password” to reset it. Check your email for the reset link, including the spam folder.
Account Locked: Too many failed login attempts lock the account for 24 hours. Call customer service to unlock it faster. They verify your identity using your name, address, and last 4 digits of your payment method. The call takes about 5 minutes.
Browser Not Loading Page: Old browsers cause loading errors. Update to the latest version of Chrome, Firefox, Safari, or Edge. Clear your browser cache and cookies. Try a private or incognito window. Disable browser extensions that block scripts.
Website Not Working: The NY EZPass website has scheduled maintenance windows. Check the home page for notices. Maintenance usually happens late at night or early morning. Try again in a few hours. Outages are rare and fixed quickly.
Login Button Not Responding: A slow internet connection can cause this. Check your Wi-Fi or data signal. Refresh the page. If the problem continues, switch to a different network. Public Wi-Fi sometimes blocks secure login pages.
Error Messages: Codes like “500 Internal Server Error” or “Service Unavailable” mean the system has a temporary problem. Note the time and the error code. Try again in 30 minutes. Call customer service if the problem continues for more than 2 hours.
| Error Type | Cause | Fix |
|---|---|---|
| Invalid Username | Wrong account number or typo | Re-enter your 9-digit account number |
| Invalid Password | Forgot password or caps lock on | Reset password or check caps lock |
| Account Locked | Too many failed attempts | Wait 15 minutes or call support |
| Session Expired | Inactivity timeout | Log in again |
| Server Error | System outage | Try again later or call support |
Browser and Website Compatibility Issues
The NY E-ZPass portal works on all major browsers. Use Chrome 90 or higher, Firefox 88 or higher, Safari 14 or higher, or Edge 90 or higher. Older browsers miss security features that the portal needs. Update your browser before logging in. Clear your browser cache if pages load slowly. The cache stores old files that can conflict with new page code. In Chrome, press Ctrl+Shift+Delete (or Cmd+Shift+Delete on Mac). Pick “Cached images and files” and “Cookies and other site data.” Click “Clear data.” Disable ad blockers and script blockers on the E-ZPass site. These tools can block the login form or payment page. Add e-zpassny.com to your allow list. The portal uses scripts to process logins and payments. Blocking them breaks the experience. Mobile browsers work the same as desktop browsers. Use the latest version of your phone’s default browser. Some features work better in the dedicated Tolls NY app. Download the app for the smoothest mobile experience, especially for payments and tag management.
EZPass NY Customer Service Phone Number and Hours
The NY E-ZPass customer service phone number is 1-800-333-TOLL (8655). This line handles account questions, login help, payment issues, tag replacement, and violation disputes. Agents are available Monday through Friday from 7 AM to 7 PM and Saturday from 8 AM to 1 PM Eastern Time.
The automated phone line runs 24 hours a day. Call anytime to check your balance, make a payment, or hear your recent trips. The system uses voice prompts. Speak clearly or press the number keys to pick options. Have your account number ready before calling. Wait times vary by time of day. Mornings between 9 AM and 11 AM are busiest. Lunch hours (12 PM to 2 PM) are also busy. Late afternoon (4 PM to 6 PM) sees a second wave of callers. For the shortest wait, call between 7 AM and 9 AM or after 5 PM on weekdays. Email support is available for non-urgent questions. Send your issue to the address listed on the contact page of the EZPass website. Include your account number, full name, and a clear description of the problem. Response time is 1 to 3 business days.
NY E-ZPass Customer Service Center Locations
The main NY E-ZPass Customer Service Center sits at 655 Rockland Road, Lake Katrine, NY 12449. This location handles walk-in customers for account setup, tag pickup, and payment issues. Walk-in hours match the phone hours: Monday through Friday 7 AM to 7 PM and Saturday 8 AM to 1 PM. Smaller service centers operate in other parts of the state. These include locations in Albany, Buffalo, Rochester, Syracuse, and Staten Island. Each center offers similar services. Check the E-ZPass website for the address and hours of the center closest to you. Retail locations sell E-ZPass On-the-Go tags. These are pre-paid tags you can buy off the shelf. retailers include CVS, Walgreens, and grocery stores. The tag costs $25 plus the starting balance. Register the tag online within 7 days of purchase to activate it.
Mailing address for correspondence: P.O. Box 149001, Staten Island, NY 10314-9001. Send payments, documents, and written disputes to this address. Include your account number on every document. The post office box accepts regular mail and certified mail.
Security and Privacy Best Practices for E-ZPass Login
Protect your login details like a bank account. Never share your password with anyone, including family members. Each user should have their own login. Create a unique password you do not use on other sites. Password managers help you store and generate strong passwords.
Log out of your account when using a shared computer. The portal stays logged in for 30 days on trusted devices. On public computers, click “Log Out” before walking away. This stops the next user from accessing your account and balance. Watch for phishing emails that look like E-ZPass messages. Scammers send fake emails about unpaid tolls or account problems. The emails link to fake login pages that steal your password. Real E-ZPass emails never ask for your password or full account number. Report phishing emails to the FTC. Enable two-factor authentication for extra security. This second step blocks hackers who steal your password. You get a code on your phone that only you can read. Even if a thief has your password, they cannot log in without the code.
Updating Your E-ZPass NY Account Information
Keep your account details current. Log in and click “Account Settings” or “My Profile.” Update your name, address, phone number, and email when they change. Old info can cause missed statements, lost tags, and failed password resets. Change your vehicle details when you buy, sell, or trade a car. Click “Vehicles & Tags” in your account. Remove old vehicles. Add new ones with the current license plate number, make, model, and year. The system updates the link between your tag and your car. Update your payment method when your card expires. Add the new card before the old one stops working. Set the new card as your default for auto-replenish. Remove the old card after one billing cycle to keep your payment list clean.
Change your password every 6 months for better security. Log in, click “Security Settings,” and pick “Change Password.” Type your current password first, then the new password twice. Use a different password than your email or bank account.
E-ZPass NY Account Closure and Refunds
Close your account when you no longer need E-ZPass. Log in and click “Close Account” in account settings. The system asks for a reason. Pick the option that fits your situation. Confirm the closure. The system cancels your tag and stops future billing. Get a refund for the remaining balance. After closure, the system sends a check for the unused balance within 30 to 45 days. The check goes to the address on file. Make sure your address is up to date before closing the account. Return the transponder if requested. The system emails return instructions for some account types. Send the tag to the mailing address with the prepaid label. Failure to return a leased tag may result in a fee of $10 to $25.
Special Account Types for Businesses and Fleets
Business accounts serve companies with multiple vehicles. Log in to your business account to manage tags, drivers, and spending reports. Add tags in bulk. Set spending limits per vehicle. Get invoices that combine all tolls into one bill. Commercial accounts serve trucking companies, delivery services, and large fleets. These accounts include detailed reporting, fuel tax reports, and IFTA (International Fuel Tax Agreement) support. Apply for a commercial account by calling the business support line.
Frequently Asked Questions About NY E-ZPass Login
Below are answers to the most common questions drivers ask about the NY E-ZPass login system. Each answer gives you the facts you need to solve a problem or complete a task.
How long does it take to get my NY E-ZPass tag after signing up?
Tags ship within 5 to 7 business days after you open your account. Standard shipping is free through the US Postal Service. You can pay for faster shipping at signup. Priority Mail arrives in 2 to 3 business days. Overnight shipping is not available for E-ZPass tags. If your tag does not arrive within 10 business days, call customer service at 1-800-333-TOLL to report the missing package. The representative will check the shipping status and send a replacement if needed. You can also pick up a tag at a retail location for instant use. On-the-Go tags are available at CVS, Walgreens, and many grocery stores across New York State for $25 plus the starting balance.
Can I use my NY E-ZPass in other states?
Yes. NY E-ZPass works in 19 states across the Midwest, South, and East Coast. The E-ZPass network includes most toll roads from Maine to Illinois and down to Florida. Your tag reads at any E-ZPass lane in member states. Your account balance covers all tolls. You do not need a separate account for each state. The same login works for all your tolls. Some states offer E-ZPass discounts for local residents. You can enroll in those plans through the local toll authority’s website. Out-of-state tolls post to your NY account within 1 to 3 days. Your trip history shows the location and amount of each toll.
What happens if my NY E-ZPass balance goes to zero?
If your balance hits zero, the system charges the toll to your account as a negative balance. The next time you pass a toll, the system uses your auto-replenish funds to cover the negative amount plus the new toll. If auto-replenish is off, the negative balance stays until you add money. Continued negative balance may block your account and lead to violations. Always keep your balance above zero. Set up auto-replenish to avoid this problem. The system sends a warning when your balance drops below your threshold. Add money right away to prevent service issues.
Can I have multiple tags on one NY E-ZPass account?
Yes. You can add up to 10 tags per personal account. Each tag links to a specific vehicle. The account balance covers all tags. You can register tags for family members, friends, or extra cars. Business accounts allow up to 100 tags. Each tag has a unique number and a vehicle assignment. You can move a tag from one car to another by updating the vehicle details. There is no fee for additional tags. They ship with the same delivery time as your first tag. The system manages all tags from one login and one balance.
Why is the NY E-ZPass website slow or not loading?
The E-ZPass website slows down during peak hours. Mornings and early evenings see the most traffic. The system has scheduled maintenance windows, usually late at night. Outages are rare but happen. If the site is slow, clear your browser cache, try a different browser, or switch to a different network. The mobile app often works when the website does not. Customer service can help with urgent account issues at 1-800-333-TOLL. Check the website’s status banner for outage notices. Most slowdowns clear up within 1 to 2 hours.
How do I dispute a toll that is not mine?
Log in to your account and click the trip you want to dispute. Select “Dispute This Charge.” Fill out the form with the date, time, location, and reason. Submit the form. The dispute team reviews your case within 5 to 7 business days. You get an email with the decision. If approved, the toll comes off your account. If denied, you can appeal by calling customer service. Provide photos, receipts, or other proof to support your appeal. reasons for disputes include incorrect vehicle info, duplicate charges, or wrong license plate reads.
Is my payment information safe on the NY E-ZPass site?
Yes. The NY E-ZPass site uses 256-bit SSL encryption to protect your data. The same security level banks use. Your card details never store on E-ZPass servers in plain text. The site is PCI-DSS compliant, meaning it meets the highest payment industry standards. The lock icon in your browser bar confirms a secure connection. Never enter payment info on a page without the lock icon. Two-factor authentication adds another layer of safety. The system will never ask for your full password or card number by email or phone. Report any suspicious requests to customer service right away.
