Security and Ease of Access

Security and Ease of Access




New Ross Credit Union takes the safety and security of your personal information very seriously.  That's why we're proud to offer our members a full suite of unique security features that help keep your money safe, with no interruptions to your online banking.

COMING SOON!
As part of new industry security standards, New Ross Credit Union will soon be implementing Strong PAC for Online Banking.  Strong PAC will replace the traditional 5-digit PAC (Personal Access Code) with an alphanumeric password.

Watch for the launch and more details in the coming days!

New Security Measures - February 2023
We take the safety of your personal information very seriously.  Logging in to online banking looks a little different as we have added another layer of protection to help ensure your information remains safe.

What does this mean for you?

Every time you log in to online banking, you will be prompted to enter a verfication code sent to your email or cell number.  Once the code is entered, you will be brought into your online banking as normal.

If you are having issues logging in, please contact either branch directly and our staff will be pleased to assist you.
New Ross Branch 902-689-2949
Chester Basin Branch 902-275-3509

As fraudsters continue to find more sophisticated ways to access sensitive information, protecting your financial data as you manage your money online is more important than ever.  2-Step Verification and Self-Serve PAC Reset are new industry-side standards that help to ensure safe and secure logins to Online Banking.


2-Step Verification

2-Step Verification (2SV) is a security technology that protects your account beyond the username and password.  It requires two methods to verify a user's identity to gain access to online banking.

What does this mean for you?
When you log in to online banking, you will be prompted to enter the verification code sent to your email or cell number.  The verification screen will tell you whether the code has been sent to your email or cell phone.  Once you enter the code, you will be brought into your online banking system.

Having issues loggin in?
Reach out to us, we are here to help!

How else can you keep your account secure?

You can put several features in place to add another layer of security to your account.

Online Banking Alerts
By setting up online banking alerts, you will receive automatic alers by text or email when certain activities are recorded on your account.  This will ensure you are the first to know if any suspicious activity or transactions occur.

AutoDepost for e-Transfers
Register for AutoDeposit.  This will make sending money on the e-transfer service more secure as any transactions flagged for auto-deposit will be automatically deposited without requiring additional security questions.

Self-Serve PAC Reset

Self-Serve PAC Reset is a new enhancement that allows you to reset your own Personal Access Code (PAC), without needing to visit or phone your credit union.  Previously, if you forgot your PAC, you would have to call your credit union to reset it; you can now do this yourself from your own device.  You must be enrolled for 2-Step Verification before you can reset your own PAC.  To reset your PAC, click the "Forgot your password" button found in the log-in section on the home screen of online banking and follow the instructions.

Benefits for you:

Safer, more convenient logins: You now have the opportunity to reset a forgotten PAC from your own device.

Advanced Security: High-risk logins now require 2-Step Verification to protect your money from fraudsters.

Easy to Use: You can enroll for both 2-Step Verification and reset your PAC from your mobile phone or desktop computer.

Frequently asked questions:

Have a question about 2-Step Verification or Self-Serve PAC Reset?  Check here for the answer.  Don't see your question? We're here to help!  Contact us for more information, by visiting either branch directly, calling the numbers provided below, or emailing nrinfo@newrosscreditunion.ca.

New Ross Branch          (902)689-2949
Chester Basin Branch    (902)275-3509



2-Step Verification

I tried to access my online banking but it's asking me to take another step. Is there a problem with my account? Expand/Collapse

There is no problem with your account.  We have introducted an enhancement to our log-in process, called multi-factor authentication as an added level of security to all member accounts.

What do I have to do to access my account? Expand/Collapse

Log into online banking as you normally do.  A message will pop up that indicated a code was sent to your email or mobile phone, and you will enter this code in the message box in online banking.

Why do I have to enter a code every time I log in? Expand/Collapse

We care very much about your personal information and account safety.  By adding this extra step, we are adding another layer of protection.

What information do I need to register for 2-Step Verification? Expand/Collapse

You will need either your mobile phone number or your email address to register for 2-Step Verification.  It's important to use your own mobile phone number or an email address you can access easily, as you will need to retrieve and input a verification code to access your online banking.

How long does it take to register? Expand/Collapse

Enrolling in 2-Step Verification is easy and will take you about 5 minutes from start to finish.

How long do I have before I'm required to register? Expand/Collapse

You will have 45 days to register for 2-Step Verification and will be provided with the opportunity to enroll each time you attempt to login to your online banking.  After 45 days have passed, you will need to sign up for 2-Step Verification to access your online banking.

Once I sign up for 2-Step Verification, can I go back to using my old security questions? Expand/Collapse

2-Step Verification will replace the use of security questions and answers to confirm your identity, as it adds a layer of protection to the login process and is becoming a new industry standard security practice.

I don't have a mobile phone. Can I use my landline and receive a text-to-voice? Expand/Collapse

While you're not able to register for 2-Step Verification using a landline, you can sign-up using an email address instead.  If you don't have an email address, there are lots of great email providers that offer free service to choose from.

Will I be asked to input a verification code every time I sign into online banking? Expand/Collapse

Yes. This step has been added to your online banking experience to ensure your personal information remains secure.

I lost my phone/I'm not able to access the email address I used to register for 2-Step Verification and now I can't log into online banking. What can I do? Expand/Collapse

Don't worry - we're here to help.  Contact or visit your nearest branch and our staff can confirm your identity and reset your 2-Step Verification.  Once your branch resets your 2-Step Verification, you will be asked to register for 2-Step Verification using updated information the next time you attempt to login to online banking.

Outside of regular business hours, you can contact Sonoma Online Technical Support at 1-888-CREDIT-U (273-3488) and they will be happy to help you.

I haven't received a verification code. What should I do? Expand/Collapse

First, if you've registered for 2-Step Verification using an email address, make sure to check your spam folder.  If you haven't received a code after 10 minutes, you can click on the "Didn't receive a code" link in the Enter Your Verification Code screen to have a new code sent.

If you're just signing up for 2-Step Verification and haven't received a code, you may also want to confirm that you have input your mobile phone number or email address correctly.  If you find an error, you will have the option to back up a step and correct your information.

I share an online banking login with my joint account holder. How does 2-Step Verification work for me? Expand/Collapse

To help keep your information secure, we would recommend that you and your joint account holder use individual logins to access MemberDirect®. If you or your joing account holder needs to set up your own login, please visit your local branch.

Does 2-Step Verification collect or keep any of my personal information? Expand/Collapse

2-Step Verification does not collect or stor any personally identifying information.

Self-Serve PAC Reset

What information do I need to reset my own PAC? Expand/Collapse

Using Self-Servie PAC Reset is easy.  You will need your account number (the same one you use to log into online banking) and either the last 3-digists of your SIN or your Date of Birth.  You will also need to have your mobile phone or email address that you use for 2-Step Verification handy, as you will need to receive and enter a verification code to confirm your identity.

How is my information protected if I reset my PAC online? Expand/Collapse

Self-Serve PAC Reset is very safe and uses secure information along with 2-Step Verification as an added layer of security.

I tried to reset my PAC using the self-serve option but have gotten an error message. Why is this? Expand/Collapse

There are a couple of reasons why you may have received an error message.  First, in order to use Self-Serve PAC Reset, you will need to be registered for 2-Step Verification. This feature is part of the way that we confirm your identity during the Self-Serve PAC Reset process.

If you are registered for 2-Step Verification and are receiving an error message, we recommend getting in contact with your branch as some of your details on file may need to be updated before you're able to access self-serve options.

Am I still able to visit my branch to have my PAC reset? Expand/Collapse

Absolutely! You are always welcome to visit us for additional help resetting your PAC.