United Bank & Trust of Ann Arbor, Mich., has expanded its use of PhoneFactor to its business customers to help prevent fraudulent wire or automated clearing house transfers.

With PhoneFactor, when a transfer is submitted through United Bank's online portal, an automated phone call is placed to the customer. The customer then enters a PIN to complete the transaction if it is legitimate.

The transaction is verified through an out-of-band telephone call, protecting it against Zeus and other malware targeting online banking transactions, PhoneFactor said Wednesday.

The $913 million-asset United Bank previously used PhoneFactor internally to secure employee remote access.

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