MemberDirect® Security Enhancements

Background
Keeping member's money and information secure is always a high priority for Accent Credit Union. We are very pleased to be able to introduce the implementation of the increased authentication solution to help make our MemberDirect users even more secure.

Changes
In addition to the personal access code (PAC) that members currently have to enter to access their information, members will be prompted to select an image and phrase as well as provide answers for three of the challenge questions provided for added security.

Every time a member logs into MemberDirect on their own computer, they will see the image and security caption that they choose. If members don't see this, they will know it is not an authentic site.

If a member logs onto a shared computer, (i.e. at a member computer in the lobby) they will be asked one of the three challenge questions. Once they answer one question correctly and enter their password, they will be allowed to access their account.

IMPORTANT
Members will have three attempts to get the correct answer.

Why the New Security Enhancements?
Unfortunately, cyber-crime is common in today's online world. As criminals discover new ways to attempt to compromise your personal information, we need to follow suit and increase our security features.
Have you ever received an email that appears to be from a financial institution? It may have asked you to update your account information by clicking on a link. This is called phishing. It is a criminal's attempt at gaining your personal account information. Our new, enhanced security feature will ensure you know you are on the authentic Accent Credit Union online banking site -- MemberDirect.