Your Personal Access Code is one of your best defenses against theft.
Online credentials can be numerous as they are needed for email accounts, social networking sites, online newspapers and shopping websites. That's a lot of usernames and passwords – and it can be tempting to use the same combination for everything. But this makes it far too easy for hackers because once they have one password, they can access all your sites. Login credentials are the keys to your accounts so don't leave those keys around for anyone to find. For online banking, the key is your Personal Access Code (PAC). (We call it a "PAC" instead of a "password" because it is more than a "word", it is a string of letters, numbers and special characters.)
Have you forgotten your PAC, your online banking password? Do you need to change your password? Here's how to set up a new PAC so you can continue with your banking:
How to change your Personal Access Code
You can change your password or Personal Access Code through this website.
- Start by going to the PAC reset page.
- Enter your member number.
- Provide your name, address and phone number.
- Answer several security questions. (These are created based on information you provided.)
- Enter your new Personal Access Code and click Submit.
If you require further assistance, please contact your branch during regular business hours or email firstname.lastname@example.org.
How to choose a strong Personal Access Code
Your PAC must be between 8 to 30 alphanumeric characters and must use at least 1 uppercase, 1 lowercase, and 1 numeric digit. You have the option to use these special characters in your PAC: ! @ # $ ( ) - \ / | ? , . : '
Choose a PAC that is difficult for others to guess. Avoid using keyboard strings (qwerty), repetitive letters or numbers, dates, common words (e.g., password, winter, etc.), personal information (e.g., name, date of birth, phone number, city names, etc).
Characteristics of an effective strong PAC include an alphanumeric combination, with a combination of upper and lower case letters, and special characters. Phrases that are extended in length but easy for you to remember would create a stronger PAC. A good example may be: My2dogshave5brownspots!!
How to keep your Personal Access Code safe and secure
- Change your PAC on a regular basis; we suggest every 90–120 days.
- Make sure your PAC is not the same as other online passwords you may have.
- Make sure no one observes you typing in your PAC.
- Consider using password-management software, which secures and encrypts usernames and passwords and allows you to use a single master password.
- Keep any written passwords locked away in a place only you can access.
What not to do
- Do not share your PAC with anyone, especially online. Keep it confidential. Understand that employees of our financial institution will never call, email, write or ask you to provide your online banking credentials.
- Do not use a part of your bank or debit card PIN or another password.
- Do not disclose your PAC in a voicemail or email. Do not share it with a person you are talking to on the phone.
- Do not authorize internet browsers (such as Chrome, Internet Explorer, etc.) to memorize your username and passwords. Saving these on your computer allows anyone using your computer to gain access to your login-protected sites. Be aware: criminals have ways of tricking you into letting them log onto your computer remotely, giving them access to any list of passwords you may have stored there. Some may pose as computer repair persons and insist that they need to fix your computer. This is a common scam in Canada.