About Online Banking

Increased Authentication Changes

Our MemberDirect® services provider, Central1, has advised that effective August 4, 2016, they will be making some changes to the Increased Authentication self-service ‘Change Personal Access Questions’ page.  It is being modified to remove the answers to the security questions. The change is being made in response to a Malware strain that has recently targeted credit unions to prevent Malware from obtaining these answers if a member’s computer becomes compromised.

The primary impact will be on any members who access the ‘Change Personal Access Questions’ page after the update.  If you are unsure of your answers you will not be able to view your previous answers and will be required to provide 3 new answers.  You will see which 3 questions were picked, and will need to update all 3 to move forward.  If you do not wish to make any changes; you can simply cancel out of the screen.  Old answers will be retained, just not visible.

Increased Authentication

MemberDirect® Increased Authentication improves the safety of the online banking environment by adding a challenge question and answer during the login stage. MemberDirect Increased Authentication uses RSA security software to authenticate members based on their Personal Access Code (PAC) and the specific computer they use to log in. This double authentication helps to increase protection against fraudulent activity.

The first time you log into Online Banking, you will be asked to set up your Increased Authentication account. For your protection, and ours, you won't be able to log in to Online Banking without setting up Increased Authentication.

How it works

When you first log into online banking, you will be asked to complete the following steps:

STEP 1: Log in by entering your Card Number and your Personal Access Code (PAC).

STEP 2: You will be given a group of security questions and you'll have to choose three questions and provide answers for those questions.

STEP 3: Confirm - review the security questions you've chosen. You can make changes now, or you can change your security questions any time by clicking on the "My Profile" tab on the website.

Registering your computer for faster logins

By clicking the "Register this computer" box you can register your computer so that we recognize it is you.  If you decide to register your computer, every time you login to Online Banking from that computer, you will only need to enter your PAC in order to access your account.  When you login from a computer that is not registered you will be required to answer  one of the 3 challenge/security questions prior  to entering your PAC, just to make sure it is you trying to access your account,

Note: You should only register your computer if you are the owner or sole user of the computer (such as your home or personal work computer). DO NOT register a shared work or public computer.

Cookies are used to identify registered computers. If you clear your cookies, you will have to re-register your computer.


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