MemberDirect Enhanced Security

Please read the information below before proceeding to online banking:

 

 

Why the New Security Enhancements?

Keeping members' money and information secure is always a high priority for Crossroads 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.

 

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 Crossroads Credit Union online banking site -- MemberDirect.

 

How Do I Set Up Enhanced Security?
When you first sign into MemberDirect online banking, you will be prompted through the new enhanced security process as follows:

 

1. Log in to Member Direct

2. Select a security image and caption

- Select an image you will recognize the next time you Login and create a security caption.   

- Your security caption can only contain letters, numbers and spaces.

3. Select three challenge questions

- Choose three questions and provide answers for the questions (remember the answers!)

- By clicking the "Register this computer" box you can register your personal computer so that we recognize it is you.

- When you Login from a computer that is not registered, we will ask you one of the 3 challenge questions just to make sure it is you trying to access your account.

IMPORTANT NOTE: You should only register your computer if you are the owner or sole user of the computer (such as your home or personal work computer). DO NOT register a shared work or public computer.

What Happens Next?

On your computer: Every time you log in to online banking on your own computer, you will see the image and security caption that you chose. If you don't see this, you know it's not the authentic MemberDirect site.

On a shared computer: If you log in to a shared computer, (i.e. at a library) you will be asked one of the three challenge questions. Once you answer one question correctly and enter an online banking password, you will be allowed to access your account.

You can change your image or challenge questions at any time by clicking on the "My Profile" tab in MemberDirect.

If you have any further questions regarding our new enhancements, please call your local Crossroads Credit Union branch.

Protecting Yourself From Fraud

Crossroads Credit Union wants to provide you with all the tools possible to keep you protected from fraud. The following information can be used as a reference tool to ensure you are protected.

 

Protecting Yourself from Online Banking Fraud