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Ways we keep your information secure

Learn more about the safeguards in place to keep your information secure as you manage your finances online.

Encryption helps protect your information while it is transmitted between your device and PSCU’s systems. When you use PSCU Online Banking, your information is transmitted through a secure, encrypted connection to help prevent unauthorized parties from viewing or altering your information.

When accessing PSCU Online Banking, look for https:// at the beginning of the website address and the padlock/security indicator in your browser’s address bar. These indicate that your connection to the website is encrypted.

For your protection, always access Online Banking by entering pscu.ca directly into your browser or using a trusted bookmark. Keep your operating system, browser and security software up to date, and never enter your banking credentials on a website unless you have confirmed that you are on the official PSCU website.

Your accounts can only be accessed online by providing the correct login credentials and Personal Access Code (PAC), which only you know. Our employees never know these details and will never ask you to provide them with this information.

Best practices when creating your password:
  • Choose a unique password which differs from other passwords you use to access other online services, such as your social media accounts or email.
  • Avoid including names, dates, or numbers which are related to your identity (ex. birthdays, family names, pets or addresses).
  • Try to use a sequence of words, numbers and symbols that you will remember, but which will be difficult for others to guess.
Multi-factor authentication adds an extra layer of security when signing into online banking. In addition to your login credentials, multi-factor authentication will also ask you to confirm your identity using a secondary method when signing into online banking.

If this is your first time logging into online banking, you will be asked to register for multi-factor authentication. To register, simply sign in using your login credentials and follow the on-screen instructions.
Sign up for online banking alerts to receive text or email notifications of important activity on your accounts. Alerts ensure you are the first to know of any suspicious activity or transactions. To sign up, log into online banking, navigate to Alerts and follow the on-screen steps.

The following alerts are available:
  • Personal Access Code Changed
  • New Bill Payee Added
  • Online Banking Account Locked Out - Incorrect Personal Access Code
  • Online banking login
  • Interac e-Transfer Recipient Added
  • New Message
If your debit card is lost or stolen, you can immediately prevent any unauthorized transactions by using Lock’N’Block; a self-serve card lock feature which allows you to lock your credit union debit card or block certain types of transactions using the Mobile App or Online Banking. When locked, all transactions are automatically declined, making fraudulent attempts to use the card online, by phone, at ATMs, or at retailers virtually impossible.

How it works:
  • Log in to online banking on desktop, using the mobile banking app, or using your mobile device's browser
  • Select Lock’N’Block under Account Services 
  • Select the card and features you want to disable or enable
  • Be sure to save your changes
If your card is lost or stolen, after using Lock 'N' Block to block tranactions, you will still need to report your card as lost and stolen by phoning 1-888-277-1043.
In instances where we have declined a highly suspicious attempted debit card transaction, a text message alert is sent to your mobile phone number on file to notify you.

To confirm the transaction is legitimate, reply to the text message with a Y and we will respond that you are safe to continue to use your debit card. To confirm the transaction is fraud, reply to the message with an N and we will secure your account and respond with instructions to contact your branch.

Fraud alert text messages will contain details about the transaction which was flagged, including the last 4 digits of the card, dollar amount and merchant name; however, we will never request for you to reply with account or other personal information or with instructions to click on a link.

If you do not wish to receive fraud alert text messages, you can opt out of alert notifications by replying to the next mssage as per the included opt-out instructions. Once you opt out, you will no longer receive text message alerts; however, we will continue to monitor, and will contact you using your preferred contact method if we suspect fraudulent activity.
International Country Blocking is a preventive security measure and added layer of fraud protection applied to your credit union debit card. Fraud incidents are monitored globally and in individual US states in real-time, with blocks being applied to countries to states considered to be high risk. Once applied, your credit union debit card cannot be used to process transactions when used in blocked countries or states.

Travel Exclusion Service
To prevent interruptions in accessing funds when travelling outside of Canada, be sure to contact us with the dates and locations of your trip.  If you're unable to contact us by visiting us in-branch or by phone, send us an email and we will contact you to verify your travel details and confirm the travel exclusion has been applied.
 

Online Security Guarantee

In the unlikely event you experience a loss resulting from an online banking transaction which you did not authorize, we offer an Online Banking Security Guarantee, provided you have met your online security responsibilities. Read more below on how we protect you and about your security responsibilities.
We've made a commitment to keep your online transactions as safe as possible. The safeguards we've put in place to protect the security, privacy, and integrity of your information during transactions include:

  • Secure firewalls to help prevent unauthorized access
  • Data encryption to help ensure your information is safe and secure
  • Around-the-clock monitoring to proactively help identify unusual member account activity and to maintain the quality of our systems.
You are automatically covered by the Online Banking Security Guarantee provided you meet your security responsibilities outlined in the member agreements you have with us.

The following documents address your responsibilities, and procedures for addressing unauthorized transactions:
  • Personal Direct Services Agreement
  • Small Business Direct Services Agreement
  • Standard Terms and Conditions
You play a vital role in protecting your security when using online banking on a computer, mobile device or tablet. While we implement safeguards to protect the security, privacy, and integrity of your information, there are important precautions you should take to help protect your informaiton and prevent loss:

  • You must maintain the care, control and confidentiality of your username(s) and passwords which you use to access your accounts. Usernames include your account number, personal image etc. Passwords include the passwords created to access your online banking, or any security questions set up as part of online banking access.
  • Ensure your browser and operating systems are up-to-date. Software updates often include fixes to keep your device more secure.
  • Avoid providing personal information online while using public WiFi, as these connections may not be secure.
  • Use anti-virus and anti-malware programs
We are not responsible for losses resulting due to your failure to meet your security responsibilities. Examples of failing to meet your responsibilities include situations where you:

  • Voluntarily disclose your account number or personal access code (PAC)
  • Carelessly or improperly handling, storing or disclosing your account number of personal access code.
  • Failing to notify us immediately in the event of the following:
    • loss, theft, misuse or compromise of your account number, personal access code, mobile device or tablet
    • if you suspect unauthorized activity has occured in your account(s)
Be sure to check your account(s) on a regular basis to verfy that you have authorized the transactions which are shown. This can be done using statements you receive online or by mail, or by checking your transaction information through online or mobile banking.

We're always here to help

If you suspect there has been inappropriate activity in your account, you must notify us immediately by phone or by email. If you reach out by email, please ensure to only send your contact details and a brief description of the issue. Please do not include account numbers. We will follow up with you to determine the details of the activity and to investigate fully.

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