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. 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 answers.

I feel they do not live up to the 2FA as it doesn't use a second channel to establish credentials.