Account Security

Account security and preventing fraudsters from accessing your bank account is a partnership. While the credit union has extensive security measures in place to protect you from fraud, as a member there are also important steps you need to take in securing your account as well.

By choosing secure unique passwords and tough security questions you will be ensuring an extra layer of protection against fraud.

Are you using one of the top 10 most-used passwords?

Below is a list of the top 10 most used passwords from the Canadian Bankers Association. 

1. 123456
2. 123456789
3. qwerty
4. password
5. 1234567
6. 12345678
7. 12345
8. iloveyou
9. 111111
10. 123123

Choosing a unique password for any online account is a MUST! With so many different online accounts and passwords for people to remember this can be challenging. Remember, this is not just limited to your account access, make sure when entering security questions for Interac e-Transfers that they are not easily guessed.

Choosing an exclusive password for your sensitive online accounts (email/financial accounts) is important since a security breach at one website can leave your password exposed to criminals who may try to use it on other websites.

Not only should your password be complex, but length is also important. Always use the maximum password length allowed by the application.

Avoid using names, dates or numbers tied to your identity (birthday, pets, etc.). Anything that may be readily available on social media.

Have you changed your password recently?

Changing your personal access code routinely is a good habit which helps you ensure you are keeping up with current security enhancements to personal access code requirements.

Have you activated AutoDeposit for eTranfers?

Never have your e-Transfer compromised! No more security questions, just an email to let you know your funds have been deposited!

Check out our website for more details!

More secure banking tips!

• When available take advantage of multifactor authentication (two-step security) for your online accounts.  We are excited to announce that HCU will be implementing this in 2022!
• Never share your debit or credit cards, PINs and passwords with others, not even family members.
• Shield your PIN when entering it. Don't write it down, memorize it.
• Report lost or stolen cards immediately.
• Check your accounts regularly, weather it be statements or online to make sure all the transactions are yours.
• Never give out your card number over the phone or Internet unless you are dealing with a reputable company. The only time you should give it is when you have called to place an order.
• Protect your computers, laptops, tablets, and mobile phones! Always ensure your operating system, browsers and apps are up to date. Install and keep anti-virus, anti-spyware up to date and run regularly. Ensure you have your firewall enabled.
• Avoid using public Wi-Fi to perform any online banking or secure transactions.
• Be cautious of oversharing on social media as well as completing tests or quizzes online, scammers are behind many of these social media quizzes, from where they can collect and use the information you share.