Strong PAC

As a part of new industry security standards, you will be required to update your personal Online Banking credentials from the traditional PAC (Personal Access Code) to an alphanumeric password. You can manually change your PAC from within your Online Banking account; if you’re using a desktop, navigate to Profile and Preferences and select Change Personal Access Code. In the mobile app, selecting Settings will offer the option to Change Personal Access Code.  After a certain periode of time, members will be required to update their PAC to ensure proper security protocols.

Your new Strong PAC:

  • Must be between 8-20 alphanumeric characters in length;
  • Must include at least one upper and one lowercase letter; and,
  • Must include at least one number.

Frequently asked questions:

Have a question about Strong PAC? Check here for the answer. Don’t see your question? We’re here to help! Contact us for more information. 

Strong PAC FAQ

I’m being asked to change my PAC. Why is this? Expand/Collapse

Our credit union is strengthening our MemberDirect® Personal Access Code (PAC) requirements to provide an added layer of protection and to help us introduce new and exciting digital features in the near future.  As part of this change, all of our members will need to update their PAC to meet the new security standards.

Do I need to update my PAC right away? Expand/Collapse

While we encourage you to update to the new standards early, you will have 60 days before being required to change your PAC.  At the end of the 60-day period if you haven’t yet updated your PAC, you will see a popup window when you attempt to log into your online banking that will require you to change your PAC before being able to continue through to your accounts.

How do I update my existing PAC to a Strong PAC? Expand/Collapse

You can update your existing PAC to a Strong PAC by logging into your online banking using your desktop or your mobile banking app. If you’re using a desktop, navigate to Profile and Preferences and select Change Personal Access Code. In the mobile app, selecting Settings will offer the option to Change Personal Access Code. From here, follow the onscreen instructions to complete the change. The next time you log into your online banking, you will use your new Strong PAC.

Do you have any tips on how to create a Strong PAC? Expand/Collapse

Absolutely! Here are a few best practices to keep in mind as you create a Strong PAC:

  • Be sure to choose a PAC that differs from the passwords you use to access other online services, such as your social media accounts or email.
  • Avoid including names, dates or numbers that are related to your identity (such as birthdays, family names, pets or addresses)
  • Try to use a sequence of words and numbers that you will remember, but that will make it difficult for others to guess your PAC.

I have Quickview enabled on my mobile app to see my account balances easily. How do I keep using this feature once I’ve updated my PAC? Expand/Collapse

Once you update your PAC, you will need to reset your Quickview. To do this, you will need to start by removing all devices that you have registered to enable Quickview by signing into your online banking on a desktop (or by accessing the full site in a web browser on your mobile device) using your new Strong PAC. Once you have logged in, select Account Services located in the left-hand menu and select Mobile Banking App and remove your devices.

The next time you sign into your online banking using your Mobile App, you can re-enable Quickview by navigating to Settings and Create New Login and following the onscreen instructions.

What happens if I forget my new Strong PAC? Expand/Collapse

If you forget your new Strong PAC, you can reset by clicking on the Forgot your password? link just below the PAC field on the MemberDirect® login screen. Once you click this link, you will be asked to confirm your identity and will then be given the option to choose a new personal access code.

I use MemberDirect® Business and have a Delegate. Is there anything additional that I need to know when it comes to updating my PAC? Expand/Collapse

Once the Strong PAC requirements take effect, you will need to make sure to log into MemberDirect® to update your PAC before your Delegate will be able to access online banking. Your existing delegate will not be required to update their PAC to the new Strong PAC format; however, if your existing delegate needs a new PAC or you are setting up a new delegate, they will be required to use the new Strong PAC format.

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