Jovia Financial Credit Union 2FA: how to set up an authenticator app
By the Novaz team · Updated October 29, 2026
Novaz steps checked against version 1.0.5
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Jovia Financial Credit Union, usually just called Jovia, offers online banking and a mobile app for members' accounts. When you sign in, Jovia can ask for a one-time code as a second step. It can send that code by text message, automated voice call or email (Jovia), or you can add an authenticator app and read the code from your phone instead (Jovia). Jovia's Security Center says it asks whether you want multi-factor authentication when you enroll in online and mobile banking, which suggests it's a choice rather than a rule (Jovia). This guide uses Authenticator App - Novaz on iPhone. Any authenticator app works the same way.
How we checked this guide: the Jovia steps come from Jovia's own knowledge base and Security Center, linked below, which we read on October 24, 2026. Jovia's site blocked our automated requests, so we read archived copies on web.archive.org: the authenticator article as saved in July 2025 and the Security Center as saved in October 2026. We haven't tested the steps on a Jovia account, so a label may differ slightly. The Novaz steps are checked against the app, version 1.0.5.
A newer article we couldn't read
The authenticator article we used dates from April 2021. The October 2026 Security Center points to a different knowledge base article for setting up multi-factor authentication (Jovia). Jovia's site blocked it, and the web archive had no copy, so we couldn't check whether the steps or labels have changed. If the screens below don't match what you see, that newer article is the place to look.
Turn on 2FA with an authenticator app
Jovia's knowledge base describes these steps in online banking (Jovia):
- Sign in to Jovia online banking. A computer is easiest, because you'll point your iPhone at the screen.
- Click My Settings.
- Scroll down to Security Options and click Edit.
- Switch the authenticator setting from OFF to ON.
- Enter your online banking password and click Save.
- Jovia now shows a QR code under Security Options, along with a text key it calls the authenticator code.
- In Novaz, tap +, then Scan QR code, and point the camera at the QR code. If you're signed in on the same iPhone, take a screenshot, tap +, then Choose a photo. See scanning a QR code on the same iPhone.
- If you'd rather type the key, tap +, then Enter key manually in Novaz. Type Jovia as the Service and the authenticator code as the Setup key. Account is optional. See What is a 2FA setup key?
Jovia's article doesn't say how many digits its codes have or how often they change. A QR code tells Novaz the right settings, while a typed key always gets 6 digits every 30 seconds. So scan if you can. The article also doesn't mention typing a code to confirm the setup; if Jovia asks for one, enter the current code from Novaz.
Choosing the authenticator when you sign in
Adding the app doesn't remove Jovia's other ways to send a code. When Jovia asks for multi-factor authentication, it shows a list of methods. The authenticator is the last one on that list. Pick it and type the code from Novaz, and you won't have to wait for a text, call or email (Jovia).
Jovia's pages don't say how often it asks for a code, or whether it remembers a device. Its Security Center warns that it will never call, text or email you to ask for your access or verification codes (Jovia). Anyone who asks for a code from Novaz isn't Jovia.
If Jovia rejects your code
Jovia's pages don't cover rejected codes. Check your iPhone's clock first: Settings > General > Date & Time > Set Automatically. Novaz warns you when the clock is 15 seconds or more off. More causes are in Authenticator code not working?
Changing phones or losing your authenticator
Jovia's public pages don't mention backup codes, and they don't explain how to move the authenticator to a new phone or reset it. What helps is that the authenticator sits alongside text, voice and email codes rather than replacing them, so you can pick another method at sign-in. If your phone is gone, an email code is the one that doesn't depend on it, so keep your email address with Jovia current (Jovia). See Authenticator app vs SMS for the trade-off.
When you switch iPhones, keep the old one until you've signed in and checked My Settings > Security Options for a way to set it up again. If you back up Novaz with iCloud backup or a backup file, you can restore every account on the new iPhone instead; without a backup, each one has to be added again. See How to transfer your authenticator app to a new iPhone.
If you can't sign in at all, Jovia's username and password article says to call the credit union for help (Jovia). Jovia doesn't say what proof it asks for or how long it takes. More in Lost the phone with your authenticator app?
Turning 2FA off
Jovia doesn't document turning the authenticator off. The setting is the OFF/ON switch under Security Options, so that's where to look.
