A system, method, and access device enabling a user to securely access a plurality of password-protected servers with a single entry of the user's User ID and associated password. When the access device receives the User ID and password from the user, it sends only the User ID to each of the password-protected servers. The servers each return a unique index value to the access device. The access device uses each index value to retrieve different password modification information from a database or lookup table. The access device then creates a plurality of modified passwords based at least in part on the password modification information. The access device then transmits each of the modified passwords to the corresponding password-protected server.