Online Security

Staying safe on the Internet - We're in this together

Mobile banking makes managing your finances easy and convenient as well as accessible 24/7 from anywhere you can access the internet.  Your online security is our priority, we take your security seriously and make sure we have the latest security protocols in place and staff are well trained. We do our part, you need to do yours. There are measures you need to take to help protect yourself.  Below are some best practices you should follow, resources to help educate yourself on known internet scams and cyber security as well as resources for if you think your identity has been compromised.  

How we protect you

Security Guarantee

Our online banking system is safeguarded with the best security available in a commercial environment, ensuring that your information is protected while data is transmitted between your computer and our banking server.

Encryption

Internet browsing 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 uses a 128-bit SSL, encrypting both request and response transactions, through a secure connection. 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. See a list of supported boswers undre How You can Protect Yourself section. 

Controlled Access to Your Accounts

Your accounts can only be accessed by providing the correct login credentials and Personal Access Code (PAC), which only you know. Our employees never know these details and will never ask you to provide them with this information.

Enhanced Security Login Process

The first time you log in to your online banking account, you will be asked to update your Personal Access Code (PAC) and choose from a list of security questions and answers. Be sure to pick questions with answers that are not easy to guess. Use ones that only you know. You can register your home or personal computer so that you will not have to answer a security question every time you log in. However, when you log in to your account from another machine, we will ask one of the security questions to confirm your identity.

For security reasons, we track the number of login attempts used to access your online banking. After a number of incorrect attempts to provide the correct PAC or answers to security questions, your online access will be immediately disabled. To regain access, please call our customer service representatives.


​Lock’N’Block®

Manage your debit cards when you are travelling or when you suspect that your debit card is being used frauduletly with this quick and easy tool.

With Lock’N’Block® you can lock your debit card or block your debit card for ATM Transactions, purchases, and international transactions. 

Steps to follow:

  • Log into online banking. 
  • Click on Account Services.
  • Choose Lock’N’Block®. 
  • Select the debit card you want to lock or block by clicking the Edit button next to it. 
  • Now select the action you want to perform. You can choose to Block Debit Card, Block ATM transactions, Block purchases and refunds or Block international transactions. 
  • Click Save Changes

StrongPAC

Enhanced Security Login Process

The first time you log in to your online banking account, you will be asked to set up a StrongPAC (password) and 3 security questions, these are case sensitive.  Be sure to pick questions with answers that are not easy to guess, and only you would know. Do not share your login information with anyone.

Cyber criminals are finding new ways to gain access to your banking information all the time. When you create a strong Personal Access Code (PAC) or password, you make it more difficult for them. It is your responsibility not to share this information with anyone. Keep it in a secure place that is not easily accessible.

A StrongPAC should include:

  • Upper case letters
  • Lower case letters
  • Numbers
  • At least 8 characters log
  • May contain certain special characters

In addition, you can register your home or personal computer so that you will not have to answer a security question every time you log in. However, when you log in to your account from another machine, you will be asked one of the security questions to confirm your identity.

For security reasons, we track the number of login attempts used to access your online banking. After a number of incorrect attempts to provide the correct PAC or answers to security questions, your online access will be immediately disabled. To regain access, contact us to get reset.


Autodeposit

Sending and receiving e-transfers through Interac e-Transfer® is simple and convenient. Make it even safer by setting up Autodeposit. By adding this feature, you will never be prompted to enter a password when accepting an e-transfer. 

Follow these easy steps to add Autodeposit to your online banking account. 

  • Log into online banking. 
  • Click on Transfers. 
  • Choose Send Interac e-Transfers and then choose Autodeposit. 
  • Click the Add a new email address button.
  • Choose the email address you want to use and the account you want the money to be deposited in. Remember to check the 2 acknowledgement boxes. 
  • Click on Update.

Whenever you receive an  Interac e-Transfer® to that email address, the money will be deposited into the chosen account without you having to enter a password. 


Alerts

Be the first to know if there is any unauthorized activity on your account. Keep a close eye on your money by setting up ALERTS on your online banking.

You can receive notifications for the following ALERTS:

  • Personal Access Code (PAC) changed
  • Interac e-Transfer® recipient added
  • Online banking account locked out
  • Online login 
  • New payee added. 

Follow the easy steps to set up ALERTS on your phone.

  • Sign in to the Mobile App.
  • Swipe to the second page and click on the ALERTS button. 
  • Tap on the MANAGE tab. 
  • Tap on the specific Alert you want to set up. We recommend you set up ALL the Alerts
  • Choose whether you want to be notified by email or text.
  • Click SAVE
  • Click SAVE again to activate the Alert. 

Follow these steps for all the Alerts. 

Follow these steps to set up ALERTS on your computer.

  • Sign in to Online Banking on your computer. 
  • Click on Messages and Alerts
  • Click on Manage Alerts
  • Click on the Alert you want to acitvate.
  • Click on Add.
  • Choose whether you want to be notified by email or text
  • Click SAVE
  • Click SAVE again to activate the Alert. 

Follow these steps for all the Alerts. 

How you can protect yourself

Working together to be safer online

No organization or individual is immune to a cyber attack. The only way to prevent this is to be aware of what is going on around you. It starts with you at home, then at the workplace and extends throughout our communities. Watch these videos find out more. CCUA and the LCUC have partnered to bring you useful resources that will help you learn different types of cyber threats and safe browsing habits.

Practice the Four Cornerstones of Internet Safety and be SAFE online.

Protect yourself agains a personal cyber attack.

Identity Theft

Identity theft is when someone uses your personal information without your knowledge for criminal purposes. Fraudsters try to use your stolen information to gain access to your financial information, pose as you to open accounts/loans/credit cards, plate a vehicle in your name, sell on the black market as just a few examples.

Another example of Identity Theft is when someone sets up accounts on social media or websites using your name, image or other information. While this may not cause you financial harm it could potentially harm your reputation.

We are not the experts in Identity Theft but here are some steps and resources to help you if you believe your identity has been compromised.


Unfortunately sometimes you will not know you have been compromised until you are in a situation where your credit report is pulled; loan application, credit card, job opportunity etc. This is why it is very important that you check your credit report at least once a year for errors or strange activities.

  • Contact the Canadian Anti-Fraud Center at 1-888-495-8501
  • Contact SGI if your driver’s license has been compromised 


Government of Canada Resources to find out more about Fraud and Cyber Fraud.

Get Cyber Safe

Anti-fraud Centre 


Looking for affordable anti-virus solutions? 

Here are a few suggestions:

  • AVG 
  • Malwarebytes
  • ZoneAlarm (Firewall)
  • BitDefender
  • Comodo 
  • Ad-Aware
  • Microsoft Security Essentials

Remember to view best practice tips on this page for additional internet security.

Software Requirements

Browser Requirements for Mobile Web and Online Banking:

To help protect yourself make sure you are always using the latest browser version. Make sure when downloading any software that you are using a legitimate site. Browsers are a third party software and we are not responsible for any issues you may encounter by downloading these browsers.

Supported Browsers:

  • Microsoft Edge
  • Firefox
  • Safari
  • Google Chrome

Supported Operating Systems:

  • Windows 10
  • Windows 8
  • Mac OS X

All supported browsers support are XHTML 1.0 Transitional, CSS 1.0 and 2.0, DOM Level 1 and 2, and ECMA Script (JavaScript). The site will work using all the browsers that correctly implement these specifications. To access our services, your browser must also support 128-bit Secure Sockets Layer (SSL) encryption. All the browsers we support meet this requirement. If yours doesn't, please download the appropriate encryption support from your browser's supplier. 

Mobile Device Requirements:

Our Mobile App can be downloaded from Google Play or the Apple store, just search for Biggar Credit Union.

Supported Devices:

Apple devices: iPhone, iPad, iPod Touch running ISO 11 or later.

Android devices: Google & Samsung running Android 5 operating system or later. 

Cookies Enabled:

To use our online banking services, you must enable your browser to accept cookies. Detailed information on our use of cookies is available in our Privacy Statement. For more information on enabling and disabling cookies, please refer to your browser's Help section.