Q. What type of computer do I need in order to use MemberDirect Internet?
A. For hardware and browser requirements please refer to the Browser Requirements section.
Q. How can I tell if I am using a 40- or 128-bit browser?
A. Netscape Navigator or Communicator
If you are using Netscape Navigator or Communicator™ click on the 
in the bottom left corner of the screen to display the Security Info dialogue box. Select "Navigator" from the side menu and then click on the Configure SSL v2 button under Advanced Security (SSL) Configuration. If the dialog box displayed contains a 128-bit cipher, you are using the 128-bit version of Netscape software. If the dialog box contains a 40-bit cipher, you are using a 40-bit version of Netscape software. Click on the Cancel button to close the dialog box.
A. Microsoft Internet Explorer
If you are using Microsoft Internet Explorer click on File, then Properties to display the Properties dialogue box (Figure 1).
Figure 1. Microsoft Internet Explorer 5.x Properties dialog box.
Q. How can I tell if my Internet banking session is encrypted?
A. Netscape Navigator or Communicator™
For Netscape Navigator, an encrypted session will be indicated by a 
in the bottom left corner of the browser. Netscape Navigator will not display during the unencrypted sessions.
A. Microsoft Internet Explorer
If you are using Microsoft Internet Explorer an encrypted internet banking session will be indicated by a 
in the bottom right hand corner of the browser. Microsoft Internet Explorer will not display a during an unencrypted session.
Q. How do I get a 128-bit encryption browser?
A. Downloading 128-bit Netscape Communicator
1. Go to http://home.netscape.com/download/prodinfonfs_1.html.
2. Under Departments, click on Default to Communicator.
3. Read the information presented and follow the instructions.
4. Install the software following Netscape's instructions.
A. Downloading 128-bit Microsoft Internet Explorer
1. Go to http://www.microsoft.com/windows/ie/dowloads/recommended/128bit/default.asp.
2. Read the information presented and follow the instructions.
3. Install the software following Microsoft's instructions.
Note: Your Credit Union is not responsible for any difficulties or problems in downloading and installing the software. Technical support is provided by the software suppliers. Also, downloading an upgrade can take from a few minutes to longer than an hour, so ensure you have sufficient time available to complete it.
Q. What are cookies? Why do I need to have them turned on?
A. Cookies are pieces of data which identify your computer with the Internet destination you're communicating with. In the case of MemberDirect Internet, the cookies will identify your computer with your credit union's secure Internet banking system. So if you are prompted by the system asking you to enable your cookies, please ensure that you do so. For instructions on how to enable your cookies please refer to the section on Security Information.
A. You enable cookies by performing the following steps:
Microsoft Internet Explorer
1. With your browser running click on "Tools"
2. Click on "Internet Options"
3. Click the "Security" tab
4. Click on "Custom Level"
5. Scroll to "Cookies" and make sure both sections are enabled
Netscape Communicator
1. With your browser running click on "Edit"
2. Click on "Preferences"
3. Click on "Advanced"
4. Select "Accept All Cookies"
Q. How do I clear my browser cache?
A. The browser cache can be deleted using standard PC utilities or by using your browser feature to "empty" the cache.
Microsoft Internet Explorer
1. With your browser running click on "Tools"
2. Click on "Internet Options"
3. On the "General Tab" you will see the heading "Temporary Internet Files"
4. Click "Delete Files"
5. Click "OK"
6. Click "OK" to exit the menu
Netscape Communicator
1. With your browser running click on "Edit"
2. Click on "Preferences"
3. Click on "Advanced"
4. Click on "Cache"
5. Click on "Clear Memory Cache"
6. Click on "OK"
7. Click on "Clear Disk Cache"
8. Click "OK"
9. Click "OK" to exit the menu
Q. How much does the MemberDirect product cost?
Any fees for using the MemberDirect product are determined by the individual credit union. For more information, please contact your credit union during business hours.
Q. If I make a mistake can it be corrected? Where can I call if I need assistance?
A. Yes, mistakes can be corrected, please contact your credit union during business hours.
Q. How do I register for the MemberDirect product?
A. If you do not have a PAC (Personal Access Code) contact your credit union. If you do have a telephone banking PAC, the MemberDirect product can be accessed via the Internet using the same PAC.
Q. If I forget my PAC (Personal Access Code), the system has locked me out or is unable to identify me, what are my options?
A. Please contact your credit union during business hours.
Q. Can I change my PAC (Personal Access Code) online?
A. Yes, by selecting the Other option and Change PAC.
Q. How do I disable the Save Password option?
A. 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 web site 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. This is a function of Internet Explorer and is not a function of MemberDirect. For security reasons, it is recommended that this function not be used.
If you have enable this function and with to disable this function in Microsoft Internet Explorer, the following procedures are to be followed:
1. With your browser running, click on "Tools"
2. Click on "Internet Options"
3. Click on the "Content" tab
4. Under Personal Information, click on "AutoComplete"
5. Under Use AutoComplete, click on the tick box beside "User names and passwords on forms" to remove the tick mark.
6. Under Clear AutoComplete history, click on "Clear Forms" and click "OK".
7. Under Clear Auto Complete history, click on "Clear Passwords" and click "OK".
8. Click "OK".
9. Click "OK" to exit the menu.
If Internet Explorer asks again if you wish to save a password, the AutoComplete window displays.
1. Click on the tick box beside "Don't offer to remember any more passwords".2. Click on "No".
Q. How secure is the MemberDirect product?
A. Security is achieved through your PAC (Personal Access Code) and a browser with 128 bit encryption. For more information on security please refer to the section on Security Information.
Q. Can I make future dated transfers on MemberDirect Internet?
A. Yes, this feature is available.
Q. Can I make future dated bill payments on MemberDirect Internet?
A. Yes, this feature is available.
Q. When I set-up a future dated bill payment when are the funds debited from my account?
A. The funds are not debited from your account until the date you have specified for the bill payment to occur. For the payment to be processed funds must be available in your account on the date specified for the payment.
Q. How many transactions will I see per account?
A. Up to thirteen months of past transactions can be viewed on chequing and savings accounts, term deposits, loans and mortgages.
Q. Can I sort statement items by different criteria?
A. Yes, you can show deposits only, withdrawals only, cheques only or bill payments only and you can search for an item by amount, by description, by cheque number or by confirmation number.
Q. What accounts can I access?
A. This feature will be determined by the individual credit union but normally you will be able to access funds in chequing and savings accounts. Depending on how your credit union has set-up their Internet banking system you will be able to view chequing, saving, mortgages, loans, registered retirement savings plans, and term deposits.
Q. How can I view my account balance?
A. Though the Account Information function.
Q. When will a bill payment transaction through the MemberDirect product be processed?
A. Transactions are distributed to the company you have paid on the next business day.
Q. Can I make loan or mortgage payments online?
A. Yes, through the Transfer Funds feature.
A. No, not at this time.
Q. Can I download account information to personal financial management software?
A. Yes, you can download account information to Quicken™, Quickbooks™, Microsoft Money™ , Simply Accounting™ and Comma Delimited Text.
Q. Can I access current foreign exchange rates?
A. Yes, by selecting the Rates option and choosing Foreign Exchange.
A. This feature will be determined by the individual credit union. Depending on how your credit union has set-up their Internet banking system you will be able to open chequing and savings accounts, term deposits and registered retirement savings plans.
Q. Can I view my Ethical Funds® account?
A. Yes, by clicking on the Accounts menu item and then click on Credential Direct you will be linked to the Ethical Funds web site. After following a registration process you will be able to view your Ethical Funds account.
Q. Can I see my credit union credit card balances?
A. Yes, by clicking on the Accounts menu item and then click on Credit Union MasterCard® you will be linked to your credit union MasterCard credit card account.
Q. Can I transfer funds to another account holder?
A. Yes, there must be a pre-approved arrangement with your credit union. Contact your credit union during business hours.
A. hyperWallet™ allows account holders to send cash to another person, deposit funds to any financial institution or purchase goods on-line. Transactions are conducted privately and securely online with cash transferred directly from a user's account. hyperWallet™ is integrated in the MemberDirect® banking interface which enables users to sign up directly within MemberDirect®. Once signed up and using MemberDirect® v5.0, account holders can transfer cash into their hyperWallet™ just as they would transfer funds from one account to another. The cash is immediately transferred into their "wallet" and they can then send or request money to or from anyone with an email address.
Q. If I use the memorized account feature will my personal access code also be memorized?
A. No, only your account number and branch number will be memorized. For security reasons, you will still need to enter your personal access code each time you login.
Q. What is the enhanced security option?
A. The login page has an enhanced security options that prevents unauthorized access to a user's accounts if they leave their computer unattended after logging off. If the account holder clicks on the Enhanced Security tick box, MemberDirect® will expire pages after viewing them so that the Back button will not display previously viewed pages.
A. MemberDirect Internet employs industry standard security techniques to ensure the security of your communication to us. Although we also provide the convenience of contacting us using standard Internet e-mail, it is important to remember that standard e-mail does not employ encryption and other security features. Since standard Internet e-mail does not guarantee confidentiality, we recommend that you not include private or confidential information in such communications.
® MemberDirect is a registered trademark owned by the Credit Union Central Of Canada, used under license.
® "Hands and Globe" is a registered certification mark owned by the World Council of Credit Unions and is used under license.
™ Credential Direct and Credential Direct & Design are trademarks owned by Ethical Funds Inc., and are used under license.
® MasterCard is a registered trademark owned by MasterCard International and is used under license.