CU@HOME Internet Banking provides added protection to your online banking with a security feature called Increased Authentication. This makes logging in to CU@HOME a little different than logging in to other websites.
On this page . . .
Three things Increased Authentication does for you
We remain vigilant in our efforts to safeguard members from fraud and online crime, and the new Increased Authentication feature is one way we’re making online banking even more secure.
- Increased Authentication makes it possible for you, the user, to make certain you are on the right website by showing you a picture and a phrase that you entered when registering. This protects you from fraudulent “phishing” schemes that can mimic the banking system and steal passwords. Those other sites won't know your secure picture and phrase. (more on phishing)
- Increased Authentication adds more ways to verify your identity, making it harder for an online thief to gain access to your account. If you aren't at a registered computer, the banking system knows to ask you an extra security question whose answer would be known only by you.
- Increased Authentication also makes it possible to set up your home computer to identify itself to the banking system, speeding up your login process while still maintaining an enhanced level of security.
Entering your information for Increased Authentication
The first time you log in to CU@HOME, you will enter your security information that will be used in future logins.
For the complete login process, see Internet Banking.
Frequently Asked Questions (FAQs)
1. What is Increased Authentication?
2. Why do I need Increased Authentication?
3. Do I have to register for Increased Authentication?
4. How do I enter my Personal Access Code (PAC)?
5. Can I use my Smartphone/Blackberry to register for Increased Authentication?
6. How do I register for Increased Authentication?
7. How do I log in if I’ve registered my computer?
8. How do I log in if I’m NOT at my registered computer?
9. How is Increased Authentication more secure?
10. Will I lose my memorized debit cards after I register for Increased Authentication?
11. Does my debit card login and Personal Access Code (PAC) change?
12. Will I be able to log in to CU@HOME from different computers?
13. I share my computer with someone who also uses ACU internet banking. Will we both be allowed to use the same computer and log in to online banking?
14. How much does Increased Authentication cost?
15. Can I change my security settings?
16. I’m unable to move on to the next step in the registration process. How do I resolve this?
17. What is Phishing?
1. What is Increased Authentication?
Increased Authentication is an enhanced security feature that has become part of your CU@HOME login process. Increased Authentication helps prevent unauthorized access to your accounts and reassures you that you're in the actual CU@HOME website.
Increased Authentication has three parts: a picture, a phrase, and three security questions. After you register for Increased Authentication, these items are added to your login process. You are also able to register your personal computer to streamline your login.
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2. Why do I need Increased Authentication?
Increased Authentication helps protect you from identity theft and fraud, particularly through “phishing” schemes (see more about phishing below). By enhancing the secure login process, Increased Authentication lets you know you are on the authentic CU@HOME website by showing you your security image and phrase. In turn, CU@HOME can identify not only you, but your computer as well, either through your additional security questions or by checking if you have registered the computer you’re using.
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3. Do I have to register for Increased Authentication?
Yes. Since April 6, 2011, all logins used Increased Authentication. In order to ensure the integrity and safety of our online banking service all members use increased authentication. The first time you log in, CU@HOME leads you through the registration process.
For more information on logging in, see the Internet Banking page.
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4. How do I input my Personal Access Code (PAC)?
Increased Authentication looks a bit different that other secure logins you may use on the internet. Logging in to CU@HOME takes place on two pages.
For more information on logging in, see the Internet Banking page.
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5. Can I use my Smartphone/Blackberry to register for Increased Authentication?
No, we recommend that you use a computer to register for Increased Authentication. Once you’ve registered for Increased Authentication you can access your accounts on CU@HOME using your Smartphone/Blackberry device.
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6. How do I register for Increased Authentication?
Registration is automatic when you start using CU@HOME.
For more information on logging in for the first time, see the Internet Banking page.
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7. How do I log in if I’ve registered my computer?
If you've registered your computer, the login takes place on two pages. On the first page you enter your 16-digit debit card number. On the second page you enter your Personal Access Code (PAC).
For more information on logging in, see the Internet Banking page.
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8. How do I log in if I’m NOT at my registered computer?
When the computer you're using isn't registered, there's an extra step where CU@HOME asks you one of your security questions.
For more information on logging in, see the Internet Banking page.
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9. How is Increased Authentication more secure?
Increased Authentication requires three pieces of identity to be entered before allowing login – two items, your debit card number and either a security question or a computer registration, are required before the banking system will respond with your security image and phrase. After that, the last piece of identity is the Personal Access Code you have chosen for your account. This process makes it very difficult for online thieves to (a) steal your password information or (b) trick you into entering your information on a phishing site.
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10. Will I lose my memorized debit cards after I register for Increased Authentication?
No. Memorized debit card numbers will be retained.
Please note that if you “delete browsing history” or “delete cookies” the memorized debit card numbers (and passwords) will be removed. These browser functions delete temporary files stored on the computer which house information like logins and passwords.
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11. Does my debit card login and Personal Access Code (PAC) change?
No. Increased Authentication adds security features, but does not change your debit card login or your PAC.
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12. Will I be able to log in to CU@HOME from different computers?
Yes, you can log in from computers you haven’t registered. As always, it’s important to use only computers that you trust, such as a computer at work.
In order to keep security levels high, the banking system will ask you one of your challenge questions to verify that it’s really you at the unregistered computer. Only after that will the banking system show you the security image and phrase that you’ve chosen. When you recognize your picture and phrase you can then enter your Personal Access Code and proceed to online banking. It’s important to see the security image and phrase. If you don’t see it, DO NOT enter your PAC, because the website is not the official CU@HOME website.
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13. I share my computer with someone who also uses ACU internet banking. Will we both be allowed to use the same computer and log in to online banking?
Yes, multiple members can use and register the same computer with CU@HOME. The registration is tied to your debit card number, so there will be no confusion between your login and the person you share the computer with.
However, PLEASE NOTE that if you use both memorized debit card numbers AND register the computer you share, the other person could select your debit card number from the list, and, because the computer is registered, view your security image and phrase. The person would still need to know your Personal Access Code (PAC) to enter your account. However, this is not a completely secure situation. Please do not choose to both register the computer and use memorized debit cards.
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14. How much does Increased Authentication cost?
Increased Authentication is a free secure service provided to all members at no cost.
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15. Can I change my security settings?
Yes. You can change your image, phrase, and security questions at any time. After you’ve logged in to CU@HOME, you can select My Profile from the top menu bar and then make a selection from the left-hand menu.
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16. I’m unable to move on to the next step within the registration process due one of the following issues encountered:
- Unable to select a security image
- Unable to enter a caption
- Unable to select security questions
- Unable to enter a response to the security questions
The information stored on temporary internet files may be interfering with the Increased Authentication feature. To resolve this issue, please complete the flowing steps:
- Close out all internet browser sessions.
- From the desktop, right click on the Internet Explorer (or other internet browser such as Firefox, Mozilla, Safari etc) icon.
- Select ‘Properties’.
- Within the ‘General’ tab click on the “Delete” button found within ‘Browser History’.
- Click on the “Delete All” button. PLEASE NOTE: Deleting all browsing history does not delete your list of favorites or subscribed feeds. However, it DOES delete temporary files, memorized numbers, browsing history, cookies, saved form information, and saved passwords that you may have on CU@HOME and other websites.
- Click “OK”.
- Return to CU@HOME and go through registration process.
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17. What is Phishing?
Recently there have been attempts by fraudsters to trick people into revealing their personal information and passwords by creating fake websites that look very much like the sites of legitimate financial institutions. They send out random emails with links to these fake websites. Once there, you enter your debit card number and Personal Access Code on their site, and they use this information to later log in to your account. This type of fraud, known as phishing, depends on you mistaking their site for the real one. Because Increased Authentication shows you a picture and phrase that only you know, a phishing site can’t trick you into entering your Personal Access Code. If you don’t see the picture and phrase, you don’t enter your PAC. And the phishing fraudsters never learn your password.
Additionally, ACU will never send you an email with instructions to click a link to access our website. Therefore, if you receive an email appearing to come from ACU asking you to click a link and enter your password, you can conclude that the email is phishing, and doesn’t come from Assiniboine Credit Union. As always, contact the Member Communication Centre at 1.877.958.8588 to verify anything you are not sure about.
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