MFA: OTP Card - First Time Use

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Learn how to sign in to your NCU account for the first time using a One-Time Password (OTP) card — including entering your credentials, using your card to verify your identity, and completing the sign-in setup prompts.

Before you start

Your OTP card was issued to you directly by IT. If you do not have a card, this guide does not apply to you.

You will need the following to complete your first sign-in:

  • Your NCU email address and password
  • Your IT-issued OTP card

OTP cards are issued by IT

OTP cards are issued directly by IT. If you have not been issued a card, this guide does not apply to you — see MFA: Setting Up Multi-factor Authentication (MFA) for standard MFA setup.

Protect your OTP card — it is a high-security device

Your OTP card is a security device tied directly to your account. On its own, it cannot grant access — an attacker would also need your password. This means your card and your password must both be protected at all times.

You are responsible for keeping your card secure. This means:

  • Never share your card with anyone — including IT staff, who will never ask for it
  • Never photograph or record codes from the card
  • Never store or transmit generated codes digitally
  • Keep the card physically secure — treat it like a key to your account

Report any concerns to the IT Help Desk immediately — including if your card is lost, stolen, damaged, or you suspect it has been compromised. Do not wait. Submit an MFA Service Request or call the Help Desk directly.

Signing in for the first time
1

Enter your NCU username and password, then click Sign in.

Microsoft sign-in screen showing username and password fields
2

When prompted, press the button on your OTP card to generate a code. Enter the code in the field provided, then click Verify.

OTP verification screen with code entry field and Verify button
3

A Keep your account secure page will appear. Click Next.

Keep your account secure page with Next button
4

The Setup complete page confirms you are signed in. Click Done — you will be redirected to the page you originally tried to access.

Setup complete confirmation page with Done button
5

You will be asked if you want to stay signed in. Select Yes or No based on your preference.

Stay signed in prompt with Yes and No options

Tip — Stay signed in

Select No on shared or public computers. On your personal device, Yes reduces how often you are prompted for your OTP card.

Further reading

Related MFA articles

Need additional help?

Submit an MFA Service Request or contact the IT Help Desk for assistance.

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