Added Altra Federal Credit Union to banking

Altra *does* have a 2 level authentication, but both levels are from within the accessing user agent. Their second tier consists of asking security questions from which the answer must be pulled from a drop down with a shifting answer order. The user selects 3 questions from a group of 6 or 7. 2 of those questions are asked at log in. All questions have a predetermined set of possible answers.

I feel they do not live up to the 2FA criteria as it doesn't use a second channel to establish credentials.

Edit: Added minor detail to the 2nd level auth step and fixed an omitted word.