Protecting Your Personal Access Code (PAC)

Just as you play a vital role in ensuring the security of your home and your possessions, you too share in the responsibility for ensuring that your personal information is adequately protected.

In order for us to ensure that only you are accessing your accounts, we need a unique way of knowing that it's you.  Just as the key to your home protects unwanted entry, the online banking "key" - your Personal Access Code (PAC) ensures that only you can access your accounts.

It is your responsibility to ensure that your "key" to the MemberDirect®  site is protected.  Please observe the following security practices.

  • Select a PAC that is easy for you to remember but difficult for others to guess.
  • Do not select a part of your PIN (your ATM 'key') or another password.
  • Keep your PAC confidential and do not share it with anyone.
  • Do not write your PAC down or store it in a file on your computer.
  • Never disclose your PAC in a voice or email, and do not disclose it over the phone.
  • Ensure no one observes you typing in your PAC.
  • Change your PAC on a regular basis.  We suggest every 90-120 days.

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