diff --git a/cmd/bowser-create-account/bowser-create-account.go b/cmd/bowser-create-account/bowser-create-account.go
index b929970..3dc032e 100644
--- a/cmd/bowser-create-account/bowser-create-account.go
+++ b/cmd/bowser-create-account/bowser-create-account.go
@@ -8,21 +8,47 @@ package main
 
 import (
 	"bufio"
+	"crypto/aes"
+	"crypto/cipher"
 	"crypto/rand"
+	"crypto/sha1"
 	"encoding/base32"
+	"encoding/base64"
 	"encoding/json"
 	"flag"
 	"fmt"
+	"io"
 	"os"
 
 	"github.com/b1naryth1ef/bowser/lib"
 	"github.com/mdp/qrterminal"
 	"golang.org/x/crypto/bcrypt"
+	"golang.org/x/crypto/pbkdf2"
 	"golang.org/x/crypto/ssh/terminal"
 )
 
 var configPath = flag.String("config", "config.json", "path to config file")
 
+func encryptTOTP(password []byte, salt []byte, totp []byte) ([]byte, error) {
+	dk := pbkdf2.Key(password, salt, 10000, 32, sha1.New)
+
+	block, err := aes.NewCipher(dk)
+	if err != nil {
+		return nil, err
+	}
+
+	ciphertext := make([]byte, aes.BlockSize+len(totp))
+	iv := ciphertext[:aes.BlockSize]
+	if _, err := io.ReadFull(rand.Reader, iv); err != nil {
+		return nil, err
+	}
+
+	stream := cipher.NewCFBEncrypter(block, iv)
+	stream.XORKeyStream(ciphertext[aes.BlockSize:], totp)
+
+	return []byte(base64.URLEncoding.EncodeToString(ciphertext)), nil
+}
+
 func readPassword(attempts int) string {
 	// Create a raw terminal so we can read the password without echo
 	oldState, err := terminal.MakeRaw(0)
@@ -72,7 +98,7 @@ func main() {
 	totpRaw := make([]byte, 32)
 	_, err := rand.Read(totpRaw)
 	if err != nil {
-		fmt.Println("Failed to generate TOTP token")
+		fmt.Printf("Failed to generate TOTP token: %s\n", err)
 		return
 	}
 
@@ -88,12 +114,19 @@ func main() {
 	fmt.Printf("Please scan the above QR code with your TOTP app (or enter manually: `%s`)", totpEncoded)
 	reader.ReadString('\n')
 
+	// Now encrypt the TOTP token with the password
+	totpEncrypted, err := encryptTOTP([]byte(password), []byte(username[:len(username)-1]), []byte(totpEncoded))
+	if err != nil {
+		fmt.Printf("Failed to encrypt TOTP token: %v\n", err)
+		return
+	}
+
 	// Create a new account struct
 	account := bowser.Account{
 		Username:   username[:len(username)-1],
 		Password:   string(bcryptHash),
 		SSHKeysRaw: []string{sshKey[:len(sshKey)-1]},
-		MFA:        bowser.AccountMFA{TOTP: string(totpEncoded)},
+		MFA:        bowser.AccountMFA{TOTP: string(totpEncrypted)},
 	}
 
 	// If the configuration path was passed, we can attempt to append this to the
diff --git a/lib/config.go b/lib/config.go
index ef566cb..7425477 100644
--- a/lib/config.go
+++ b/lib/config.go
@@ -1,9 +1,15 @@
 package bowser
 
 import (
+	"crypto/aes"
+	"crypto/cipher"
+	"crypto/sha1"
+	"encoding/base64"
 	"encoding/json"
 	"io/ioutil"
 	"regexp"
+
+	"golang.org/x/crypto/pbkdf2"
 )
 
 type AccountMFA struct {
@@ -72,3 +78,25 @@ func (c *Config) SaveAccounts(acts []Account) (err error) {
 	err = ioutil.WriteFile(c.AccountsPath, data, 644)
 	return
 }
+
+func (am *AccountMFA) decryptTOTP(password []byte, salt []byte) (string, error) {
+	dk := pbkdf2.Key(password, salt, 10000, 32, sha1.New)
+
+	ciphertext, _ := base64.URLEncoding.DecodeString(am.TOTP)
+
+	block, err := aes.NewCipher(dk)
+	if err != nil {
+		return "", err
+	}
+
+	if len(ciphertext) < aes.BlockSize {
+		return "", err
+	}
+	iv := ciphertext[:aes.BlockSize]
+	ciphertext = ciphertext[aes.BlockSize:]
+
+	stream := cipher.NewCFBDecrypter(block, iv)
+	stream.XORKeyStream(ciphertext, ciphertext)
+
+	return string(ciphertext), nil
+}
diff --git a/lib/session.go b/lib/session.go
index efba238..8f7fefb 100644
--- a/lib/session.go
+++ b/lib/session.go
@@ -7,12 +7,10 @@ import (
 	"net"
 	"sync"
 
-	_ "github.com/pquerna/otp/totp"
 	"github.com/satori/go.uuid"
 	"go.uber.org/zap"
 	"golang.org/x/crypto/ssh"
 	"golang.org/x/crypto/ssh/agent"
-	_ "golang.org/x/crypto/ssh/terminal"
 )
 
 // An account key represents a mapping of ssh public key to account
diff --git a/lib/sshd.go b/lib/sshd.go
index a99f839..0533dc2 100644
--- a/lib/sshd.go
+++ b/lib/sshd.go
@@ -217,6 +217,15 @@ func (s *SSHDState) Run() {
 			if account.MFA.TOTP != "" {
 				var verified bool
 
+				decryptedTOTP, err := account.MFA.decryptTOTP([]byte(passwordAnswer[0]), []byte(account.Username))
+				if err != nil {
+					s.log.Warn(
+						"Failed to decrypt TOTP token",
+						zap.String("username", conn.User()),
+						zap.Error(err))
+					return nil, badPasswordError
+				}
+
 				for i := 0; i < 3; i++ {
 					mfaAnswer, err := client(conn.User(), "", []string{"MFA Code: "}, []bool{true})
 
@@ -224,7 +233,7 @@ func (s *SSHDState) Run() {
 						continue
 					}
 
-					if totp.Validate(mfaAnswer[0], account.MFA.TOTP) {
+					if totp.Validate(mfaAnswer[0], decryptedTOTP) {
 						verified = true
 						break
 					}