My bank uses 2FA, but my wife and I have to share the same account. The second is that it makes accounts hard to share. Suddenly, they can use your phone number to take over various accounts.
Hackers have been known to trick cellphone carriers into moving your phone number to a device they control. The first, it assumes your cellphone number is uniquely yours and no one else will ever have it. Apple makes this easy by looking for these codes in Messages, and letting you quickly paste them into the field. This code must be entered into the site before you can completely log into your account. In most cases, when you use 2FA, after you log in, the site will send a six digit code to your cellphone. Two factor authentication uses something you know (like a password) and something you uniquely have (like your iPhone). Besides using long, random passwords (and using a password manager to help you remember those passwords), one of the best ways is to secure your account with Two Factor Authentication (2FA).
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