Utilizing our Enhanced Login Security features, Strong PAC and Security Questions provide you with additional layers of protection when logging in and using WFCU Credit Union Online Banking.

How does it work?
When logging in to Online Banking for the first time, you will be:

1. Asked to set your Personal Access Code (PAC)

2. Prompted to pick three questions from a list of security questions and provide answers that are unique to you. Simply follow the steps on the screen to set them up.  The process will only take a few minutes.

By picking from a list of security questions and providing answers that are unique to you, should you log in from a computer that is not registered, we will ask one of the questions so we know it’s really you.

MOBILE BANKING USERS
Please note that security registration will not be available via Mobile Banking for the initial setup of your enhanced security feature.  Your mobile device can be registered after you have completed the initial setup on a personal computer.

FREQUENTLY ASKED QUESTIONS

I have more than one account.  Do I have to set up Security Questions and Strong PAC for each?
Yes. You will have to set up both of these features for each individual account you have.
 
Can I set up Security Questions and Strong PAC from my mobile phone?
Security registration is not available via Mobile Banking for the initial setup of your enhanced login security features.  Your mobile device can be registered after you have completed the initial setup on your personal computer.  Strong PAC can be set up using your Mobile App.  For complete details, please click here to watch our 'How-To' video.

Why am I being asked to ‘register my computer’?
Registering your computer places a permanent cookie on your computer for identification purposes.  This ensures that each time you login to Online Banking you are recognized and will not be asked to answer your security question.

Clearing your computer’s cookies will delete your registration. Online Banking will in turn prompt you to register your computer again.

It is important to register your computer only if you are the owner of the computer (such as a home PC) or its sole user (such as a personal work PC).  More than one computer can be registered.  Do not register shared computers (for example, shared work computers or computers accessible in public libraries, etc.).

I am joint on an account with my spouse. Do we each need to set up security questions?
All accounts, single or joint will be asked to select security questions.  It is important, therefore, that if you operate a joint account, all account holders need to be aware of the answers to the selected security questions.  You can select specific security questions geared for joint accountholders.

I’ve answered my security question incorrectly three times and am now locked out. What do I do?
If you have answered your security question incorrectly three times and are locked out, call the Member Contact Centre at 519-974-WFCU (9328).  Our Member Contact Centre will verify your identity and unlock you.   While you are locked out of Online Banking, you can continue to access your account using ATM and POS transactions.

What if I forget the answers to the selected security questions?
If you forget the answers to your selected security questions please call the Member Contact Centre at 519-974-3WFCU (9328).

What if I forget my Personal Access Code to online banking?
If you forget your Personal Access Code (PAC), please visit any of our retail locations and our staff can assist you with this process.  For security reasons, your PAC cannot be changed over the telephone.

What are my responsibilities regarding Online Banking security?
WFCU Credit Union Online Banking security features are designed to provide further protection for your personal information.  We encourage you to set your Strong PAC in addition to registering your computer and setting up security questions as soon as you are prompted.

What are WFCU Credit Union’s responsibilities regarding Online Banking security?
Your security is our priority.  WFCU Credit Union makes every attempt to ensure that your personal and financial information is safe and secure. 

What if I decide to change my selected security questions or answers?
Once you login to Online Banking, click on the “My Profile” button located on the top menu bar.  Then click on “Change Security Questions” button on the left side menu and simply follow the prompts.