About Online Banking

Updated Security Feature for MemberDirect Online Banking

As part of our continuing commitment to cybersecurity, the reCAPTCHA safety feature has been updated for use with the MemberDirect digital banking system.  Enhanced authentication practices are commonplace for online banking and e-commerce platforms, and login features will continue to evolve with advancements in technology.  This feature confirms that members are human (and not a robot). 

As this version of the reCAPTCHA feature runs in the background, there is no additional action required at login, unless it cannot identify whether you are a human or a robot.  After you have entered your online banking information and clicked log in, there are two possibilities.  Either you will proceed to the online banking page as normal or you will be given a group of images and be asked to identify and click on images that are being requested.  In the example below, a member is asked to 'Select all images with cars'.  In this instance, the member would select four images:  the middle left and the three bottom images. 

Once you have selected the images, press "Verify" (or "Next" if displayed).  If all the required images were indentified, the box will close, and you will be redirected to your Account.  If you did not identify all the required images, you will be prompted to re-complete the process. 

Questions?  Please contact us to speak to a member of our team.  We would be happy to answer your questions. 

Need Help"  Visit reCAPTCHA Support

To protect your accounts, we use reCAPTCHA technology, provided by Google.  For more information, visit Google reCAPTCHA  and Google Privacy

More about MemberDirect

MemberDirect Online Access allows members instant access to their accounts anytime, anywhere.

  • Convenient, 24-hour access, anytime, anywhere
  • Obtain information and complete transactions even when branch is closed
  • Secure with PAC and high level of encryption
  • Technical support line 1-888-CREDIT-U


  • Balance inquiries
  • Bill payments
  • Inter-member account transfers
  • Interac e-transfers
  • Deposit Anywhere - deposit cheques from home
  • View and print account statements
Safety Precautions for Online Banking

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Same Day MemberDirect Bill Payment Reversals

Did you know that credit union members can reverse a bill payment processed through MemberDirect?


On occasion, a member may wish to reverse a bill payment which has been processed on MemberDirect.  This reversal may be needed if the wrong bill was paid, the wrong amount was paid or if the bill payment is fraudulent/unauthorized.


In order for a member to reverse a bill payment they would need to have access to both MemberDirect and TeleService.  If the member doesn't have access to TeleService, they will need to contact the credit union to have this set up.


How to reverse a bill payment:


1. Verify transaction came out through MemberDirect (note: the last four digits of the bill account number and amount for reversal reference)

2. Sign into TeleService by dialing 1-800-963-4848.  Enter your credit union # 106, 8 digit account number and personal access code. Select option 2 for account transactions

3. Select Option 3 for bill payments, select option 3 again for bill payment reversal

4. Follow steps to enter last four digits of bill reversing as well as dollar amount

5. Verify in MemberDirect that funds have been credited back to the account

6. In the case of fraudulent activity the member should delete the vendor in MemberDirect, as well they should also immedicately change their PAC, so the fraudulent vendor cannot be re-added at a later date.


The member would require access to both MemberDirect and TeleService to be able to perform the bill payment reversal.


The reversal must be done the same day and prior to 9:00pm.


Using this same day reversal capability will enhance efforts to stop fraudulent bill payment transactions.



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