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​MemberDirect® Increased Authentication

Improving your online banking security.

MemberDirect® Increased Authentication uses RSA security software to authenticate members based on their Personal Access Code (PAC) and the specific computer or device they use to log in. This double authentication increases protection against fraudulent activity.


How do I set it up?

  1. Log in to your online banking by entering your Login ID/Alias Name and Personal Access Code. If you have forgotten your Login ID/Alias Name or PAC or do not have one, please contact us at 416 255 1742.

    Note: You can postpone Increased Authentication for 60 days by unchecking the box “Set up Increased Authentication when I log in.” After 60 days you will be required to set up Increased Authentication and use your new security questions to log in. We recommend setting up this feature immediately.
  2. Select three security questions from the list provided. By clicking the “Register this computer” box, you will register your personal computer or device so that we recognize it as yours. When you log in from a computer or device that is not registered, you will be asked one of your three security questions to make sure it is you trying to access your account.

    Note: You should register your computer or device only 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.
  3. Confirm the security questions you have chosen. At this point, you can edit any of the answers or confirm that you are finished.

    Note: You can change your security questions or answers at any time by clicking “Profile and Preferences” once logged in.


What happens next?

If you log in using a different computer or device (a shared computer, such as one at a library, or another device, such as a tablet), you will first be asked one of your three security questions. Once you answer the question correctly, you must enter your PAC. You will then be able to access your account.


If you would like more information or want to set-up online access, please call or visit us and speak with one of our Member Services Representatives.

​Have quick access to your accounts using the fingerprint already set up on your iPhone.

Use 3D-Touch to go directly to transfers, bill payments, or Mobile Deposit from your home screen.