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ONLINE SECURITY
We understand Online Banking makes managing your finances easy and convenient. However, there are measures you should take, and best practices you should follow, whenever you go online to access your accounts. Your online security is our priority, and we are proud to offer security tools and safeguards for our members to use. However, security is a two-way street, so you also play a key role in keeping your financial information safe and secure.
What Unity Credit Union does to protect you:
- OUR PROTECTIONS
- PASSWORD PROTECTIONS
- ONE TIME PASSCODES
- SECURITY ALERTS
- AUTODEPOSIT
- CONTROLLED ACCESS TO YOUR ACCOUNTS
- ENCRYPTION
Our Online Banking system and Unity Credit Union Mobile App are safeguarded with industry-leading security capabilities, including strong fraud prevention, cyber security features and high-risk transaction protections to ensure that your transactions are secure while data is transmitted between your device and our banking server.
Click the Tabs at the top to read more about what we offer.
There is a maximum number of attempts to input the password for your account. If the number of failed attempts exceeds this number, your account will be locked. This means that if someone is attempting to access your account, the number of tries is limited, the account will be locked, and can only be unlocked by calling us at 1.306.228.2688.
In addition to your username and password, your Online Banking account is protected with Two Factor Authentication (2FA), sometimes also referred to as Two-Step Verification (2SV), or as a form of One Time Passwords/Passcodes (OTP). High-risk transactions may require you to reauthenticate that you are the owner of the account. Such high-risk transactions may include adding a bill payment vendor, adding an e-Transfer recipient, or changing your personal information.
*Unity Credit Unions offers the ability to add alerts; however, it is the member's responsibility to set these up and use them*
There are two types of Alerts - Account Alerts and Security Alerts. You can choose to receive alerts using all, a combination of, or one notification type (text, email, and/or push notification).
Security Alerts include notifications when your password is changed, biometric access has been added, too many incorrect passwords/account is locked, successful logins, and when you receive a new Secure Message from Unity Credit Union. As a security measure, there are 3 mandatory Security Alerts that are received by email and cannot be turned off (Password Changed, New Biometric Access, and Password Attempt Lock).
Account Alerts can be set up for regular balance updates, low balance notification, payments, transfers, and any types of withdrawals.
Note: You will need to set up your account alerts for each individual account. Account alerts are unique to each account – different alerts can be set up on different accounts. Only one balance frequency notification can be selected (daily, weekly, or monthly) per account.
HOW TO SET UP ALERTS:
Online Banking:
1. Sign in to online banking on a desktop computer or tablet.
2. Click ‘My Unity Credit Union’ and under Alerts select 'Security' or 'Account'.
3. Select the account.
4. Under each heading, toggle on/off the types of desired notifications (text message, email, push notifications).
5. Set limit and amount if applicable.
6. Click 'Save'.
2. Click ‘My Unity Credit Union’ and under Alerts select 'Security' or 'Account'.
3. Select the account.
4. Under each heading, toggle on/off the types of desired notifications (text message, email, push notifications).
5. Set limit and amount if applicable.
6. Click 'Save'.
Mobile App:
1. Sign in to online banking on the mobile app.
2. Tap ‘More’ (located bottom right-hand corner), choose ‘Alert Settings’, and then tap either ‘Accounts Alerts’ or ‘Security Alerts’.
3. Choose the account.
4. Under each heading, tap the type of alert you would like then toggle on/off the types of desired notifications.
5. Set limit and amount, if applicable.
6. Click 'Save'.
2. Tap ‘More’ (located bottom right-hand corner), choose ‘Alert Settings’, and then tap either ‘Accounts Alerts’ or ‘Security Alerts’.
3. Choose the account.
4. Under each heading, tap the type of alert you would like then toggle on/off the types of desired notifications.
5. Set limit and amount, if applicable.
6. Click 'Save'.
The Autodeposit feature allows the money you have been sent (via Interac e-Transfer®) to be automatically deposited directly into your bank account, without having to login to Online Banking or answer security questions.
Note: You can now set up Autodeposit for your email address AND your cellphone number.
How to sign up for Autodeposit:
Online Banking:
1. Sign in to online banking on a desktop computer or tablet.
2. Go to ‘Transfers & Payments’.
3. Under Interac® e-Transfer click ‘Autodeposit Settings’.
4. Click 'Add Autodeposit'.
5. Under Register With, input the cellphone number or email address you would like to register and choose which account you would like your money to be automatically deposited into.
6. Agree to the acknowledgement and click ‘Continue’.
7. Confirm your autodeposit details and click ‘Continue’.
8. Enter the one-time password you receive via text or email address.
9. Click ‘Continue’.
10. A verification message will be sent to you via text or email to complete the registration. You will have the option of either completing the registration or declining it.
2. Go to ‘Transfers & Payments’.
3. Under Interac® e-Transfer click ‘Autodeposit Settings’.
4. Click 'Add Autodeposit'.
5. Under Register With, input the cellphone number or email address you would like to register and choose which account you would like your money to be automatically deposited into.
6. Agree to the acknowledgement and click ‘Continue’.
7. Confirm your autodeposit details and click ‘Continue’.
8. Enter the one-time password you receive via text or email address.
9. Click ‘Continue’.
10. A verification message will be sent to you via text or email to complete the registration. You will have the option of either completing the registration or declining it.
Mobile App:
1. Sign in to online banking on the mobile app.
2. At the bottom of the screen tap ‘Move Money’.
3. Tap ‘Interac e-Transfer®’ at the top right corner.
4. Tap ‘Autodeposit Settings’.
5. Click the + icon at the top right hand corner of the screen.
6. Under Register With, input the cellphone number or email address you would like to register and choose which account you would like your money to be automatically deposited into.
7. Agree to the acknowledgement and click ‘Continue’.
8. Confirm your autodeposit details and click ‘Continue’.
9. Enter the one-time password you receive via text or email address.
10. Click ‘Continue’.
11. A verification message will be sent to you via text or email to complete the registration. You will have the option of either completing the registration or declining it.
2. At the bottom of the screen tap ‘Move Money’.
3. Tap ‘Interac e-Transfer®’ at the top right corner.
4. Tap ‘Autodeposit Settings’.
5. Click the + icon at the top right hand corner of the screen.
6. Under Register With, input the cellphone number or email address you would like to register and choose which account you would like your money to be automatically deposited into.
7. Agree to the acknowledgement and click ‘Continue’.
8. Confirm your autodeposit details and click ‘Continue’.
9. Enter the one-time password you receive via text or email address.
10. Click ‘Continue’.
11. A verification message will be sent to you via text or email to complete the registration. You will have the option of either completing the registration or declining it.
Your accounts can only be accessed by providing the correct login credentials and password. Only you know your password. Our employees do not have this information, nor do they require it from you. We will never ask you for your credentials.
Internet encryption protects your information while it is in transit between your computer and our systems. Encryption ensures that data cannot be read or altered because the information is scrambled. Our Online Banking website and Mobile App uses a 256-bit TLS encryption, enabling you to easily and securely complete banking transactions on your phone, tablet or computer. Encryption ensures that information cannot be read in transit or changed by scrambling the data using a complex mathematical formula. Some browsers can create a more secure channel than others, owing to the 'strength' of their encryption.
To establish a secure connection, verify that the prefix of our website address in your browser reads 'https' (and not simply 'http'). All the browsers we support meet this requirement. If yours doesn't, please download the appropriate encryption support from your browser's supplier.
What you can do to protect your information:
- OUR PROTECTIONS
- ENCRYPTION
- CONTROLLED ACCESS TO YOUR ACCOUNTS
- PASSWORD PROTECTIONS
- SECURITY ALERTS
- USE STRONG, SECURE PASSWORDS
Our Online Banking system and Unity Credit Union Mobile App are safeguarded with industry-leading security capabilities, including strong fraud prevention, cyber security features and high-risk transaction protections to ensure that your transactions are secure while data is transmitted between your device and our banking server.
Click the Tabs at the top to read more about what we offer.
Internet encryption protects your information while it is in transit between your computer and our systems. Encryption ensures that data cannot be read or altered because the information is scrambled. Our Online Banking website and Mobile App uses a 256-bit TLS encryption, enabling you to easily and securely complete banking transactions on your phone, tablet or computer. Encryption ensures that information cannot be read in transit or changed by scrambling the data using a complex mathematical formula. Some browsers can create a more secure channel than others, owing to the 'strength' of their encryption.
To establish a secure connection, verify that the prefix of our website address in your browser reads 'https' (and not simply 'http'). All the browsers we support meet this requirement. If yours doesn't, please download the appropriate encryption support from your browser's supplier.
Your accounts can only be accessed by providing the correct login credentials and password. Only you know your password. Our employees do not have this information, nor do they require it from you. We will never ask you for your credentials.
There is a maximum number of attempts to input the password for your account. If the number of failed attempts exceeds this number, your account will be locked. This means that if someone is attempting to access your account, the number of tries is limited, the account will be locked, and can only be unlocked by calling us at 1.306.228.2688.
*Unity Credit Unions offers the ability to add alerts; however, it is the member's responsibility to set these up and use them*
There are two types of Alerts - Account Alerts and Security Alerts. You can choose to receive alerts using all, a combination of, or one notification type (text, email, and/or push notification).
Security Alerts include notifications when your password is changed, biometric access has been added, too many incorrect passwords/account is locked, successful logins, and when you receive a new Secure Message from Unity Credit Union. As a security measure, there are 3 mandatory Security Alerts that are received by email and cannot be turned off (Password Changed, New Biometric Access, and Password Attempt Lock).
Account Alerts can be set up for regular balance updates, low balance notification, payments, transfers, and any types of withdrawals.
Note: You will need to set up your account alerts for each individual account. Account alerts are unique to each account – different alerts can be set up on different accounts. Only one balance frequency notification can be selected (daily, weekly, or monthly) per account.
HOW TO SET UP ALERTS:
Online Banking:
1. Sign in to online banking on a desktop computer or tablet.
2. Click ‘My Unity Credit Union’ and under Alerts select 'Security' or 'Account'.
3. Select the account.
4. Under each heading, toggle on/off the types of desired notifications (text message, email, push notifications).
5. Set limit and amount if applicable.
6. Click 'Save'.
2. Click ‘My Unity Credit Union’ and under Alerts select 'Security' or 'Account'.
3. Select the account.
4. Under each heading, toggle on/off the types of desired notifications (text message, email, push notifications).
5. Set limit and amount if applicable.
6. Click 'Save'.
Mobile App:
1. Sign in to online banking on the mobile app.
2. Tap ‘More’ (located bottom right-hand corner), choose ‘Alert Settings’, and then tap either ‘Accounts Alerts’ or ‘Security Alerts’.
3. Choose the account.
4. Under each heading, tap the type of alert you would like then toggle on/off the types of desired notifications.
5. Set limit and amount, if applicable.
6. Click 'Save'.
2. Tap ‘More’ (located bottom right-hand corner), choose ‘Alert Settings’, and then tap either ‘Accounts Alerts’ or ‘Security Alerts’.
3. Choose the account.
4. Under each heading, tap the type of alert you would like then toggle on/off the types of desired notifications.
5. Set limit and amount, if applicable.
6. Click 'Save'.
- Ensure your Online Banking login password is unique – avoid re-using passwords from other sites and services you use.
- Choose a password that is easy for you to remember, but difficult for others to guess, and avoid using personal information like phone numbers, birth dates, your pet’s name, etc.
- Avoid re-using passwords from other sites and services you use.
- Do not select a part of a PIN as part of your password.
- Do not write down your password or store it in a file on your computer.
- Do not use the auto-save function for usernames and passwords on your browser and device. Consider using protected password management software or another secure system for storing passwords.
- Change your password frequently (every 90-120 days).