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Online Banking Security

Online Banking Security

 

Enhanced Security pgup
At Innovation Credit Union, you can feel secure about banking online. We have recently enhanced our security features even further for your protection. These enhancements include an increased authentication process.

How to Log In
To log-in, simply click on the Online Banking button on the right side of our website.

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.

login

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.

01

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.

02

Choose three questions and provide the answers for the questions. The questions you select should be easy for you to answer and remember.

05

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.

06

Click "Proceed" once you've answered three questions.

You will then see your selected image, caption, and questions.

07

What Happens Next?
Every time you log in to online banking on a registered computer, you will see the image and security caption you chose. If you don't, you know it's not the authentic MemberDirect site.

09

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.

08

You can change your image or challenge questions at any time.


Protect your password pgup
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.
  • Keep your password confidential.
  • Protect your password. Memorize it, do not write it down or store it in a PC file. Change it frequently and do not reveal it to anyone.
  • Never disclose your password in a voice or email. Do not disclose it over the phone, especially cellular phones.
  • Avoid passwords that are obvious choices, like birthdays, telephone numbers, PINs or SINs. But make sure that the password you choose is easy to remember.
  • Choose unique passwords. Longer passwords are harder to figure out than shorter passwords.
    Change your password regularly, like every 90 to 120 days.
  • Do not permit anyone to watch you type in your password.
  • Contact Innovation Credit Union immediately if you cannot remember your password or if you suspect that someone has gained knowledge of your password.
  • Contact Innovation Credit Union immediately if you believe there are any errors or omissions in your account.


Protect your PC pgup
Never leave your PC unattended while using Internet banking. Always exit Internet banking and your Internet browser if you step away from your PC.
  • If your login name or password automatically appear in the sign-in page of a secure website, you should disable the auto complete function in your browser.
  • Install and use a quality anti-virus program.
  • Your Internet browser software may retain information you entered until you exit your browser. Secure or erase files stored on your PC by your Internet browser so they cannot be read by others. Most Internet browsers store information in non-encrypted files in the browser's cache to improve performance. The files remain there until they are erased.

 

Keep your software up-to-date pgup
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 pgup
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 pgup
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:
  • Your Personal Access Code is changed
  • A vendor is added
  • Attempts have been made to access your account resulting in a lock-out
  • An INTERAC e-Transfer recipient is added

To Register

  1. Log in to online banking.
  2. Click on "Messages and Alerts" in the left hand navigation menu.
  3. Click on "Get Started Today". After you accept the User Agreement, the "Add Alerts Contact(s) page is displayed.
  4. Click on "Add Email" and enter the email address to register to receive Alerts via email and/or
  5. Add a mobile phone number to register to receive Alerts via mobile phone. Select your mobile phone carrier from the drop down menu. On your first Alerts set-up, you must accept the User Agreement that contains the terms and provisions for use. Click "I accept".
  6. For mobile phone set-up, enter the mobile phone passcode received via text message and click "Continue".

Selecting Alerts

  1. Click on "Messages and Alerts" in the left hand navigation menu.
  2. Click on "Manage Alerts".
  3. Click on the Alert you wish to add from the list of Alerts in the "Security Alerts" box at the bottom of the page.
  4. Click "Add" and check the applicable box(es) to receive the Alert "By email" and/or "By text".
  5. Click "Submit".

If you have any questions regarding Direct Alerts, please call us at 1.866.446.7001.

How do I disable the save password option? pgup
When the Save Password Option is selected on the browser, the Save Password prompt program is automatically launched. The system will remember all account numbers and corresponding access codes entered into any website on the PC without further prompts. If there are different people using the same PC, all of their account numbers and passwords will be saved in Internet Explorer. For security reasons, it is recommended that this function not be used.

If you have enabled this function and wish to disable this function in Microsoft Internet Explorer, the following procedures are to be followed:

  • With your browser running, click on "Tools."
  • Click on "Internet Options."
  • Click on the "Content" tab.
  • Under Personal Information, click on "AutoComplete."
  • Under Use AutoComplete, click on the tick box beside "User names and passwords on forms" to remove the tick mark.
  • Under Clear AutoComplete history, click on "Clear Forms" and click "OK."
  • Under Clear Auto Complete history, click on "Clear Passwords" and click "OK."
  • Click "OK."
  • Click "OK" to exit the menu.



If Internet Explorer asks again if you wish to save a password, the AutoComplete window displays:
Click on the tick box beside "Don't offer to remember any more passwords."
Click on "No."

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.


 
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