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Online Policy


Online Banking System Updates

Our online banking system has been updated, which means you will see some changes to the way online banking looks and will have access to some enhanced functionality.

1. On the login page you must now select your branch when you login to online banking. Your choices are: Bowen, Powell, Texada or EBranch.Please pick your local branch. You can select any branch and still have access to your account, BUT this is not recommended as you will be missing information and transaction functionality will be compromised.

2. Once you are signed in, you will notice that:

  • You can view all term and loan details
  • You can view and delete scheduled transfers
  • You can transfer funds to other First Credit Union members (members need to call into their branch to set up the accounts that they would like to transfer to)

3. For members who use Mobile Text Banking:   You will need to re-register your phone in Online Banking.  To do this you must text ‘STOP to 66639’ and then go into Online Banking, Account Services, Manage Mobile Banking to re-register your phone.

If you have any other questions or concerns, please don’t hesitate to contact your local branch

How we protect you

We use the best security currently available in a commercial environment so that your personal and financial information is protected while in transit between your computer and our server.  We take many precautions to protect the online banking environment and ensure your information is safe. Our online services use the best security currently available in a commercial environment so that your personal and financial information is protected while in transit between your computer and our server. 


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. We use only the strongest channel available - referred to as 128-bit SSL (Secure Socket Layer). If you have a browser that only supports ‘weaker’ encryption such as 40-bit or 56-bit SSL, you will need to upgrade your browser before using our site. Get in touch if you have any questions.  

Personal Access Code

We ensure that only individuals who provide an authentic Personal Access Code can access your account information. After 20 minutes of inactivity your online banking session will end and you’ll be required to login again, however personal information may remain visible after that time. To ensure your information remains private you should always logout of online banking to end your session.Access to our databases is strictly managed and systems are in place to ensure security is not breached, including the physical security of our computer hardware and communications. For more information on the specific policies and practices that we use to safeguard your personal and financial information, see below.

How to protect your Personal Access Code (PAC)

You must ensure your online security the same way you protect your home and possessions. In order for us to ensure that only you are accessing your accounts, we need a unique way of knowing that it's you. Your Personal Access Code (PAC)—ensures that only you can access your accounts.It’s your responsibility to ensure that your ‘key’ to the online banking section of this website 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.

How to change your Personal Access Code (PAC)   

  • Step 1: Log in to online banking   
  • Step 2: Click on ‘Profile and Preferences’ on the left hand navigation   
  • Step 3: Select ‘Change Personal Access Code’ 
  • Step 4: Enter your existing PAC, then enter your new PAC twice   
  • Step 5: Select ‘Submit’ You should receive a confirmation pop-up that your PAC has been successfully changed.

Increased Authentication

Increased Authentication provides an additional layer of security to the login process. This feature requires you to select three security questions.

How it works

When you log into online banking from a computer that is not registered as trusted, you will have to enter your account credentials. You will then need to answer one of your three security questions.

Registering your computer for faster logins

You can speed up the login process by opting to register your computer. When you log in from a registered computer, you don't have to answer a security question.

Registering your home or personal computer is highly recommended for faster logins. You should not register shared or public computers.

Cookies are used to identify registered computers. If you clear your cookies, you will have to re-register your computer.

Supported Browsers

To maximize your Internet banking experience and for your Internet security, we recommend using the latest supported browsers. Please note that we do not support Beta or test versions of browsers.

  • Microsoft Internet Explorer: Download the latest version of Internet Explorer.
  • Firefox: Download the latest version of Firefox.
  • Safari: Download the latest version of Safari.
  • Google Chrome: Download the latest version of Google Chrome.

Please note that in downloading the supported required browser version, you acknowledge that these are third party sites and we cannot take any responsibility for the consequences of your downloading these browsers.

Biometric Login

Internet Explorer is the only browser that supports our current biometric login. Biometric login is required to access some Business Online Banking functionality.

Supported Standards

For our technically inclined users, the particular specifications that we 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.128-Bit Secure Sockets Layer (SSL) EncryptionTo 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.

Online Banking Agreement

This Agreement outlines the terms and conditions governing the Depositor's use of Direct Services (defined below). The Financial Institution does not offer Direct Services other than in accordance with these terms and conditions. By requesting and using Direct Services, the Depositor acknowledges their acceptance of these terms and conditions.

Read the full terms and conditions for personal accounts download the Direct Services Agreement (personal).

Read the full terms and conditions for business accounts download the Direct Services Agreement (business).


To use our online banking services, you must enable your browser to accept cookies. For more information on enabling and disabling cookies, please refer to your browser's Help section or documentation.


To use our online banking services, you must change your browser and/or device settings to enable JavaScript. For more information on enabling JavaScript, please refer to your browser's Help section or documentation.

Hardware Configurations

We have no minimum hardware requirements; however, certain minimum requirements may be specified by the browser you are using.