Member Protection

The security of your information should be one of your top priorities, and is of paramount importance to ECU - A Division of WFCU Credit Union. As always, if you have any questions or concerns, we're here to help. Contact your branch or email for further assistance or guidance.

MemberDirect® Online, Mobile Web and Mobile App Security Features

ECU - A Division of WFCU Credit Union has several security measures in place to ensure the safety of our online banking environment and we continue to improve upon those measures as new technologies come into play.

Enhanced Personal Access Code (PAC)

Members who login to MemberDirect Online or the Mobile App for the first time after November 5, 2019 will be asked to change their PAC to comply with the following parameters:

• A minimum of 8 characters and a maximum of 30 characters
• At least 1 uppercase letter
• At least 1 lowercase letter
• At least 1 number
• At least 1 special character - examples @#$-!|
• No spaces

It is important to note that Enhanced Personal Access Codes will not affect Telephone Banking Codes which will remain as they currently are.

You can change your PAC when you login to Online Banking or use the Mobile App at anytime.  Simply choose Profile and Preferences and then Change Personal Access Code.  If you require assistance, please contact your branch.

Additional Security Enhancements

MemberDirect Alerts to help you to be confident and in control of your finances by notifying you about account activity including the addition of a new bill payment vendor or e-Transfer recipient, PAC code change or Online Login.  Alerts can be sent by text message or email.  If you haven’t set up alerts, it is recommended that you do so right away!

MemberDirect Increased Authentication delivers an additional layer of security by asking members to self-select three challenge questions, in addition to their unique personal access code.

MemberDirect Risk Engine is a feature that uses an advanced algorithm to detect suspicious online activity by creating patterns of usage by members based on device, location and other behaviours.  The data can help to identify and prevent potentially fraudulent activities.

MemberDirect also employs a cyber security measure as a defense against fraudulent login attempts by blocking login access when unusual login attempts are detected.

Take action immediately if you suspect identity theft

  • Contact your credit union immediately if you suspect you have been a victim of identity theft or if there is unusual activity on your account.
  • Report the crime to the police and file a report.
  • Contact each credit grantor who has opened a fraudulent account in your name and close it right away.
  • Change your PIN and PAC numbers for your cards and access to your accounts.
  • Contact Canada Post if you suspect someone is diverting your mail.
  • Document the details of your contacts above with dates, names of the people you spoke with and the specifics of the discussion.

Money Laundering

Money laundering claims many victims. Drug trafficking, illegal arms sales, prostitution, commercial fraud, people smuggling, corruption, and organized theft threaten the safety and security of our community.

Compliance with Proceeds of Crime (Money Laundering) Act helps detect, deter, and prevent money laundering activities. Under this Act is mandatory information, record keeping, and reporting requirements for financial entities including credit unions.

You will be asked to provide identification such as birth certificate, driver’s license, or similar type identification at account opening or when processing specified transactions.


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