About Online Banking

‘Strong PAC’ Effective Dec. 4, 2019

Introducing ‘Strong PAC’ to Further Member Protection

Your online security is extremely important to us. That’s why we are further enhancing our online banking and mobile app security with increased personal access code (PAC) requirements.

Effective December, 4, 2109, our online banking and mobile app users will need to update their Personal Access Code (PAC)...

Your online banking or mobile banking will prompt you to update your password.


Your new password will need to meet the following criteria:

  • Be between 8-30 characters in length
  • Include one upper case letter (minimum)
  • Include one lower case letter (minimum)
  • Include one number (minimum)

*Special Characters are optional, but, recommended and are limited to: @ # $ - | !

Please note: You cannot reuse your previous 10 passwords.


To assist with a smooth transition, please review the following:


Passwords Saved To Your Browser for Desktop Users


If you have saved passwords within your browser you should delete any saved passwords either by managing saved passwords or clearing the cache/cookies in your browser settings prior to launch. For detailed instructions on how to clear the browser history in most common browsers, see Clear Cache Instructions


Mobile App Users With Quickview Feature Turned On


Quickview is a feature on the Mobile App which allows you to view your balances without requiring to login to the app. In order to achieve this, the app stores your PAC. Any time the app is opened the app logs in, in the background. This can cause lockouts even though you aren’t actually logging in fully.


Before logging, follow these steps:

  1. Open the Mobile App and select “Settings”.
  2. Select “Saved Logins”.
  3. Click on the minus icon next to the Login name.
  4. Confirm your action to delete the Login when prompted.

  If the steps above do not resolve the issue, please try the following:

  1. Log in to NPSCU Online Banking on their desktop.  (If on a mobile device, scroll down to bottom of page and select the “Full Site” link)
  2. Navigate to Account Services > Mobile Banking App
  3. Remove all registered devices


MemberDirect Small Business Users: Re-Activating Delegates


After an MDSB signer has upgraded to a Strong PAC password, the status of any delegate will default to ‘Inactive’. The delegate will not be able to login successfully until the status is changed back to ‘Active’.


To reactive delegates, the signer will:


  1. Contact their online banking delegates and have them refrain from logging in until they have updated the delegate account functions or they will receive and error message.
  2. Login to npscu.ca using desktop web browser.
  3. Enter login ID and new Strong PAC password for their MemberDirect Small Business account.
  4. In the left side bar menu, under business services, click Add/Modify delegates. If they have previously assigned delegates a list will appear. They will appear as ‘Inactive’.
  5. Click edit to begin editing a delegate and the edit delegate screen will appear.
  6. Change delegate status to active. Enter a new temporary password between 5-8 digits or alphanumeric. Please provide this password to delegate in a secure manner. The delegate will then be prompted to change their password when they first login to a password following the new Strong PAC criteria.
  7. Click submit at bottom of screen, an edit delegate confirm screen will appear, review for accuracy and click submit. A receipt screen will appear.
  8. Repeat this process for any additional delegates.



  • If the signer reactivates an existing delegate and does not assign a new temporary password (PAC):
  • The delegate can continue to log in with their current 5-8 digit password
  • The signer must create a temporary PAC that is 5-8 characters only
  • The new temporary PAC can be either all numeric or alpha numeric
  • The new PAC must be between 8-30 characters and must contain:
    • If the signer assigns a new temporary PAC: (for a new or existing delegate)
    • If the delegate chooses to change their PAC via the Profile & Preferences page:
    • One upper case letter
    • One lower case letter
    • One number
    • Special characters are optional and limited to @ # $ - | !

Member Direct Small Business Users - Consolidated Accounts

For consolidated accounts to appear in the Accounts Summary, the PAC’s on the consolidated accounts must be updated and then updated within Small Business MemberDirect on the consolidation screen.


To reactivate consolidated accounts the signer will:

  1. Login to npscu.ca using desktop web browser.
  2. Enter their login ID and their new Strong access code PAC for their MemberDirect Small Business account.
  3. In the account summary the consolidated accounts (Personal or other Business Accounts) will no longer appear.
  4. Select Business Services in left side bar menu.
  5. Select Managed Consolidated Accounts.
  6. If you had previously consolidated accounts the Login ID number to each is displayed and the message indicates that the account cannot be displayed at this time. The PAC for each consolidated account will need to be updated. First make note of each login ID number and write them down for future reference. Signer will need to login to each consolidated account to finish the consolidation process.
  7. Logout of online banking. Click the button to re-login to online banking.
  8. Login using the first consolidated account login ID number that you wrote down. Enter PAC. The change PAC instructions will appear to update the password. Make a mental note of the new password, this password will be used to update the strong PAC in Memberdirect Small Business.
  9. Logout of account and log back into Small Business Member Direct.
  10. Select Business Services in left side bar menu.
  11. Select Managed Consolidated Accounts.
    • Account Consolidation Manager screen will appear.
    • The consolidation account will appear in the list.
    • Click update PAC for the account you have been working on.
    • Update PAC and confirm. A receipt will appear.
  12. The consolidated account will now appear in the summary.
  13. Repeat process for other to activate other consolidated accounts.


If you have any questions about updating your PAC, please let us know!



  • Contact us with any concerns.  For more information on fraud prevention and related tips, please click here.

About Online Banking

Getting started is fast and easy. Visit your local branch and we will ask you a few security questions and provide you with a Personal Access Code. Then access to your accounts will be just a click away.

Registering Your Computer For Faster Logins

You can speed up the login process by opting to register your computer. Registering your home or personal computer is highly recommended for faster logins. You should not register shared or public computers. Cookies are used to identify registered computers. If you clear your cookies, you will have to re-register your computer.

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