Voice ID
Voice ID is a new feature available through Ideal Credit Union’s updated phone system, allowing members to use their unique voice as a secure way to access account information—no passwords or PINs needed!
This cutting-edge technology leverages biometrics to enhance both security and convenience. Unlike traditional authentication methods that rely on passwords, secret questions or possession of a device, Voice ID provides stronger protection and simplifies your experience by reducing wait times and eliminating complex login steps.
How Can I Enroll in Voice ID?
Enrolling in Voice ID is quick and easy, requiring just a few minutes for a one-time setup:
-
Start with Standard Verification
During your call, you’ll complete the standard verification process by entering a code sent to your email or phone. -
Sign the Consent Form
If you choose to enroll, you’ll receive a consent form and a security document via email. Simply sign and return these electronically to proceed. -
Create Your Voiceprint
During the same call or a future one, you’ll be prompted to repeat a specific phrase three times into your phone to complete the setup.
Important: Be sure to call from the phone number linked to your account.
Can I Still Speak with a Person?
Absolutely! If the new system can’t quickly assist you, you’ll always have the option to speak with a member of our Contact Center during regular business hours.
We’re here to help you Live Your Ideal Life!
Using Voice ID
What is the Ideal Voice ID?
Voice ID is as convenient as using your fingerprint to unlock your phone. It allows you to identify yourself quickly and securely when calling the Contact Center.
Can my Voice ID be stolen?
No, it cannot be stolen because it is not a recording of your voice. A voiceprint is a mathematical representation of the biometric and behavioral features of your voice—a series of numbers that cannot be used to reconstruct your actual voice. This makes it secure and resistant to hacking.
What is a voiceprint?
A voiceprint is a set of unique traits derived from your voice pattern, created using over 100 physical and behavioral characteristics, such as pitch, accent and the shape and size of your vocal tract. This ensures that your voiceprint is as unique as a fingerprint.
How do I set up biometrics?
You don’t need to take any extra steps. The next time you call the Contact Center, your voiceprint will be securely created while we assist you.
Why might biometrics not work?
Biometrics may fail if you’re attempting to log in to a joint account. Each account can only be tied to one biometric identifier, such as Face ID, fingerprint or Voice ID.
Can I opt out of Voice ID?
Yes, you can opt out at any time. Voice ID is designed to streamline and secure your experience, but if you prefer not to use it, alternative authentication methods will be available.
Will Voice ID still work if my voice changes due to a cold?
In most cases, yes. Minor changes caused by a cold or illness typically won’t affect Voice ID. In rare instances where verification is unsuccessful, we will use alternative methods to verify your identity until your voice returns to normal.
Is Voice ID secure to use?
Absolutely. Voice ID is a highly secure method for verifying your identity over the phone. It employs advanced biometric technology to ensure that only you can access your account. Additionally, the chat version of IDA (our Intelligent Digital Assistant) uses the same authentication as our digital banking systems for added security.
What happens if someone mimics my voice?
Voice ID analyzes over 100 unique voice characteristics, making it highly resistant to mimicry or voice imitation.
How does Voice ID compare to other biometric methods?
Voice ID is as secure as other biometrics like fingerprints and Face ID, with the added convenience of hands-free operation over the phone.
What if I’m in a noisy environment?
Voice ID is designed to work effectively even in noisy environments, though it’s best to call from a quiet location for optimal accuracy.
What if I’m unable to use Voice ID?
If Voice ID is unavailable or unsuccessful, alternative authentication methods will always be offered to ensure you can access your account securely.