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How to Log In
You will be taken to the online banking login page where you can enter your Card Number located on the front of your Member Card® followed by your Access Code (PAC). Click on the Login button to complete the process.
You will then be asked to select a security image. If you would like to see more images than the ones showing on the page, click on the "more" button. Click on the image of your choosing and then enter a caption for the image. Do not enter your password as your caption. You caption may only contain numbers, letters, and spaces.
You will then see a group of "challenge" questions for a single membership, joint membership, and company membership. Choose the appropriate membership category for you. In this example, we are displaying questions suitable for single memberships.
Choose three questions and provide the answers for the questions. The questions you select should be easy for you to answer and remember.
You can permanently register a computer so that you are not asked the security question every time you log in to MemberDirect. You should only register a computer you are the owner of i.e. your home PC.
Click "Proceed" once you've answered three questions.
You will then see your selected image, caption, and questions.
What Happens Next?
If you log in to a shared computer, e.g. the library, you will be asked one of the three challenge questions. Once you answer one question correctly and enter your online banking password, you will be allowed access to your account.
You can change your image or challenge questions at any time.
Protect your password
Your login name and password in Online Banking grant you access to your personal information and online services. You do not want someone else to easily access this information.
Protect your PC
Never leave your PC unattended while using Internet banking. Always exit Internet banking and your Internet browser if you step away from your PC.
Keep your software up-to-date
The software you use can affect the security of your online banking activities. You should watch for warnings about security "bugs" that may affect the software and web browser you are using. Regularly check for software updates on the website of your manufacturer. Protect yourself against identity theft.
Identity thieves steal your personal information and use it to obtain funds or credit in your name. Identity theft can take months to detect and it can take just as long or longer to correct the damage. To protect yourself from identity theft, do not give thieves an opportunity to steal your information. Keep important information in a safe place. Monitor bills and statements and, when discarding sensitive information, ensure it is shredded.
If you suspect that you are a victim of identity theft, file a report with the police immediately. Ask for a copy so that you can provide the evidence to the various companies you have to contact. Then contact your credit union representative to ensure that all debit and credit cards, and accounts are secure.Security System
At Innovation Credit Union, information security is a top priority. We use advanced technologies to protect your information against unauthorized access, disclosure, alteration or misuse. Innovation Credit Union anticipated its members' security concerns. Our security system is built from the ground up in order to safeguard your money and keep your account information private.
Our Online Banking uses many lines of defense, including encryption, automatic sign-off and firewalls to protect your account information. So whether you're enrolling online for Internet banking, transferring money or paying your bills, you can depend on your accounts and your account information being safe.
We recommend that you use the built-in security features that browsers provide. Choosing certain security settings and options will help protect the privacy of your accounts and personal information.
From the moment account information leaves your computer to the time it enters Innovation Credit Union's computers, all online banking sessions are encrypted. Encryption is the process of scrambling data into an unreadable format. It is more secure to transmit encrypted data over the Internet than data in it's 'raw' form. That means your password as well as all information relating to you and your accounts employ some of the best forms of cryptography that are commercially available for use over the Internet, making it difficult for unauthorized individuals to intercept, read or alter your online communications and transactions. Encrypted data is sent through the Internet to Innovation Credit Union's secure Internet banking system which then decrypts (unscrambles) the data.
We also require that your browser support 128-bit encryption when you access our online services. The higher the number of the encryption, the more complex the encryption. 128-bit encryption is the strongest level of encryption that is publicly available. Although 40-bit encryption is the international standard, our Online Banking requires you to use a browser that supports 128-bit encryption. According to Netscape, 128-bit encryption is 309,485,009,821,345068,724,781,056 times more secure than 40-bit encryption. If for any reason your secure session ends, your online banking session automatically terminates.Direct Alerts
Direct Alerts provide added protection to your online banking experience. Stay informed by email or text message when an online event occurs on your accounts including:
If you have any questions regarding Direct Alerts, please call us at 1.866.446.7001.
If you have enabled this function and wish to disable this function in Microsoft Internet Explorer, the following procedures are to be followed:
Technology is constantly changing. Innovation Credit Union's security standards are among the most stringent of any company on the Internet. Our standards are high and if a browser isn't secure enough for online banking, Innovation Credit Union won't permit it to be used to conduct banking sessions.
Likewise, our Online Banking keeps abreast of and implements relevant technology developments, whether it is an improved form of encryption or a better method for monitoring unauthorized intrusion. Our security team constantly monitors attempts to break into our security system to make sure your account information is safe and secure.
(last updated Dec 4)
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