Electronic Services – Online Banking

It’s EASY to Bank on-line!

 

MemberDirect™ is our free on-line banking service. You may pay bills, make your loan payments, get your statement information, transfer funds, plus have access to many other services. All of this is available 24-hours a day, 7 days a week. Visit your local Advantage Credit Union branch to receive your personal access code and start E-banking today.   If you already have a Personal Access Code, simply click the “Sign On” button below.

 

If you have any questions or problems logging on, please click on the following link: MemberDirect Online Banking FAQ (Frequently Asked Questions)

 

Features:

·         E-Statements – Convenient. Secure. Green. Free.
E-statements is a MemberDirect^® on-line banking feature that allows you access to an electronic copy of your paper statement(s). By logging in to MemberDirect, you can view, print or save your statement(s) to your home computer (Adobe PDF format) if you need to. Archived statements are available for up to 18 months. You are responsible to review your e-statement account transactions for any irregularities within 30 days of the statement date as per the terms and conditions of your Financial Services Agreement.

 

Legal, Official & Secure

An e-statement is recognized as a legal and official document as it is a true copy of your statement. Your e-statement is held in an industry-standard 128 bit-encryption environment and can only be accessed by you when you log into MemberDirect with your password, offering reduced risk of identity theft and mail-related fraud.

If you are already signed up for MemberDirect and don’t want paper statements in the mail, you can choose to cancel them.  This helps reduce the amount of paper and envelopes used, which in turn helps protect the environment. Our operating costs will also be reduced, which positively affects the amount of patronage returns to our members, and provides us with increased stability to enhance our services, programs and technology.

 

How to cancel your paper statement

All we need is your written consent for each membership. Simply Click Here to access the required form, fill it in, sign it and return it to your Advantage Credit Union branch in person, by mail or by fax; or stop by your branch of Advantage Credit Union and our staff will quickly sign you up.

• AccountPlus Consolidated View provides a comprehensive online view of your credit union accounts as well as participating partner accounts such as registered and non-registered investments. Our current partners include: The Ethical Funds Company^®; Credential Asset Management Inc. (CAM); and Credential Securities Inc. (CSI). All you need are current statements for each partner account you would like to link.
  
  Follow the steps below to set up your links:
  
  

Step 1.             Login to MemberDirect and select “Manage AccountPlus” from the vertical menu on the left sidebar; or you can select “My Profile / Manage AccountPlus” from the horizontal menu on the top of the MemberDirect display.

Step 2.             Select the link associated with the Credential^® partner name (as displayed on your statement). You will then be taken to a “Link Investment Account” screen.

Step 3.             You will then be prompted to enter your Client ID or Investor number in the field provided. Each “Link Investment Account” screen has a linked image of a sample account statement to help guide you. Your last name, postal code and date of birth will default in place. If any defaulted information in incorrect, you will not be able to link your account until it is corrected.

Step 4.             “Account Link Successful” notification should be displayed on screen. Within the next 5 minutes, your partner account information, including any investments under that account, will be linked and accessible through the Account Summary screen.

• Create new chequing, savings, term deposit, and RRSP accounts.

• View images of your cheques - front and back - on-line (click on the word “Cheque”).
• Obtain RRSP and RRIF contract information.
• Obtain current deposit and foreign exchange rates.
• Obtain up-to-the-minute account balances.
• Transfer funds between accounts and even between memberships; includes future dated and recurring transfers, with options to view and modify recurring transfers.
• Review and print your statement information.
• Download statements in Comma Delimited text (CSV) or Portable Document Format (PDF)
  Note: if you have trouble downloading in PDF, your Adobe version may need to be updated to version 6.0.1. through www.adobe.com.
• Pay bills using a bill payment list you create; includes future dated bill payments, with options to view and modify pending payments.
• Make CRA (Canada Revenue Agency) payments. Click here to view the CRA Payments Guide.
• Make your loan payments
• Export account history to selected personal financial management packages, including Simply Accounting, Microsoft Money, Quicken, and QuickBooks.
• Create or remove Stop Payments on cheques
• View your MasterCard^® Credit Card balance as well as your CAM and/or CSI investment accounts.
• hyperWALLET™

 

Security:

·         128 Bit encryption

·         Requires a unique logon ID and password

·         Browser-based service which means you can access Internet Banking without downloading software

·         Encryption security and Internet firewalls keep your information safe.

 

If you have problems accessing MemberDirect®, please note the system requirements below.

 

Minimum Hardware Requirements:

·         VGA or higher resolution monitor

·         An Internet connection with a minimum speed of 33.6Kbps

 

PC users also require: Pentium processor, 16 MB ram memory, Windows 98 or newer, and one of either Internet Explorer or Netscape (See browser requirements below) with 128-bit Secure Socket Layer (SSL) encryption enabled.

 

MAC users also require: Power PC G3 or higher, 32 MB ram memory, System 7.X operating system, either Internet Explorer or Netscape (See browser requirements below) with 128-bit Secure Socket Layer (SSL) encryption enabled.

 

Minimum Browser Requirements:

If you are having trouble accessing the online banking system it may be because you need a browser upgrade.

 

·         Internet Explorer: Internet Explorer v 6.0 or higher.  To download the latest version of Internet Explorer 6.0 from Microsoft that includes 128-bit encryption [Click Here].

·         Netscape: Netscape v 6.2 or higher.  To download the latest version of Netscape that includes 128-bit encryption [Click Here].

           

If you are experiencing trouble downloading the current Browser version, please contact MemberDirect support at 752-7407 for local calls, 1-877-752-7407 for long distance, or [Click Here] to contact us by email.

 

How to check the ENCRYPTION STRENGTH of your browser?

If you are having trouble accessing the online banking system it may be because you need higher encryption security levels.

 

·         Internet Explorer: Click on HELP in the top menu of your browser window. From the dropdown menu choose ABOUT INTERNET EXPLORER. A popup menu will appear that will supply you with the CIPHER STRENGTH (encryption level) of your browser. Our online banking system requires a 128-bit encryption level. If you are not currently running 128-bit encryption level you will need to complete a browser

 

·         Netscape Navigator: If you are using Netscape Communicator you must upgrade to version 6.2

 

If you are having trouble downloading 128-bit encryption, please contact MemberDirect support at 752-7407 for local calls, 1-877-752-7407 for long distance, or [Click Here] to contact us by email.

 

 

Mutual funds are offered through Credential Asset Management Inc. and mutual funds and other securities are offered through Credential Securities Inc. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, cash balances, mutual funds and other securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. Mutual funds and other securities are not guaranteed, their values change frequently and past performance may not be repeated. Credential Securities Inc. is a Member – CIPF.

 

®Credential is a registered mark owned by Credential Financial Inc. and is used under licence.

 

®The Ethical Funds Company is a registered mark owned by Ethical Funds Inc. and is used under licence.