What is MemberDirect® INTERNET? What does it do?

MemberDirect INTERNET is an on-line banking option that allows you to do your own banking transactions from any computer that has Internet access. You can check your accounts, print your own statements, pay bills, transfer funds and put stop payments on cheques. MemberDirect INTERNET includes a link to the Education Credit Union web site where you will find information about our products and services and calculators that will help you make your financial decisions.

How secure is MemberDirect® INTERNET? Can anyone else access my financial information?

MemberDirect INTERNET offers you the best security currently available in a commercial environment. MemberDirect is accessed through a secure server off-site, so, even though you are accessing your Education Credit Union account, you are only doing so by inputting the correct Personal Access Code. You are not accessing the Education Credit Union server in any way. This means your privacy and confidentiality are assured. Any personal or transactional information transmitted between you and the credit union is secure, and cannot be read by anyone else. With MemberDirect INTERNET the integrity of the information you send is guaranteed.

Where do I get MemberDirect INTERNET and what equipment do I need to run it?

The program is available on the Internet - just connect to the Internet, load your browser program, and type in your credit union home page web address. You don't require special equipment to run MemberDirect INTERNET - but we do recommend that you access the program with the latest version of Netscape Navigator or Microsoft Internet Explorer. As a matter of fact, in some cases you will have to up-date your browser because older versions of Netscape and Internet Explorer will not work in our MemberDirect Environment.

This is the first time I've used MemberDirect INTERNET. After I input my account number and PAC, I received a disclaimer and legal agreement. Will that happen every time I use MemberDirect?

No. The first time you use the system, you will be asked to read and accept the legal agreement. You will have to input your PAC at the end of the agreement to signify your acceptance of the terms and conditions of MemberDirect INTERNET. You will not be presented with the agreement again after the acceptance.

I entered the wrong PAC three times in a row and now I can't get into MemberDirect. What's wrong?

MemberDirect INTERNET has a built-in security feature that will lock out your MemberDirect access for 24 hours if you key in the wrong PAC three times. You can try again tomorrow.

Can I access all of my accounts through MemberDirect INTERNET?

Yes - you can access all of your personal accounts with MemberDirect individually. As long as you have a Personal Access Code (PAC) set up for each account number, you'll receive all the information attached to each account including loans and RRSP balance information.

I asked for a statement of my account but didn't get any transaction history. Why?

MemberDirect INTERNET Access will only provide detailed account information if there has been activity on the account during the period that you requested. Increase the time period selected to view account activity (up to 1 year). Keep in mind that term deposits transactions can be infrequent and may not appear for the period you've requested.

What happens if there's a problem?

MemberDirect INTERNET has an on-line help menu within the program which you can access any time. But that's not all - technical support is just a phone call away. You have access to technical support 24 hours a day/7 days a week. The phone number is 1-888-273-3488.

Why does the program sometimes disconnect?

For your convenience and security, MemberDirect INTERNET automatically disconnects if you are not actively using the system for longer than five minutes. Simply re-connect after being disconnected and continue your transactions.

Who else knows my Personal Access Code?

Your Personal Access Code is absolutely confidential. For your own security, make sure you do not reveal your Personal Access Code to anyone else. If you want to change your PAC you can do so through MemberDirect Online or our MemberDirect Telephone service (the PAC for these two systems are the same). Just call 651-0800 or 745-1500, enter your account number and PAC and choose option 4 to change your PAC. Your PAC can be any combination of numbers from 4 to 7 digits, but cannot begin with a 0. If you forget your PAC, the Education Credit Union staff can set up a new one for you.

How can I make sure no one else has access to my account information?

We recommend that you develop some good habits like never leaving your PC unattended while using the home banking service. Always exit from MemberDirect INTERNET and your Internet browser if you step away from your computer, and disable the automatic password save features in your Internet browser.