Member Protection – Online Banking

Member Protection – Online Banking

It is important that your financial and personal information is protected while banking online. Your credit union has numerous security practices and measures to protect you; but there are steps you should take as well.  Any computer can become infected with malicious software (malware). The malware can attempt to collect your internet transaction to steal passwords, PIN numbers, banking/account information, and personal identity information.

NOTE: This information is strictly intended to assist you in your efforts to protect yourself from cyber (computer) crime. It does not replace the requirements under the existing MemberDirect Online Banking User Agreement.

 Member Responsibilities

  • Limit the computers used for online banking to ones that you can be reasonably certain have current virus/spyware (malware) and firewall protection, and that is set to automatically install updates;
  • Review your account statements/transactions and report any unauthorized transactions to your credit union immediately;
  • Protect passwords and PIN numbers; never share them. Passwords and PINs should be memorized and not written down;
  • Use only operating systems that are current and supported by the vendor (example: Windows 95, Windows XP are no longer supported by Microsoft-therefore should not be used);
  • NEVER use public computers to conduct online banking transactions.

 Best Practices for Increased Online Security & Protection

  • If a scam artist or suspected scam artist contacts you or if you’ve been defrauded, in addition to contacting your credit union immediately, law enforcement also recommends you call The Canadian Anti-Fraud Centre at 1-888-495-8501. The Canadian Anti-Fraud Centre will gather evidence and alert law enforcement in Canada and abroad. Reporting scams can prevent others from becoming victims and will help reduce fraud;
  • If you are a victim of fraud, report the fraud to police and file a report. and ask for a copy of the report as you may need it;
  • Apply any recommended security updates in a timely manner;
  • Don’t give personal information or account numbers to anyone until you have confirmed their
  • identity and never provide this information over the phone or computer;
  • When setting up passwords or PIN numbers, be sure not to use the same password or PIN for multiple access points and ensure they cannot be easily guessed;
  • Change passwords and PINs frequently;
  • Be wary of online offers from websites you are not familiar with;
  • Never leave your computer unattended while it is logged on to online banking;
  • Always exit online banking using the “log out” button and close the browser;
  • If something sounds “too good to be true” visit your credit union and/or call The Canadian Anti-Fraud Centre for advice.
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