Increased Authentication

St. Stanislaus - St. Casimir's Polish Parishes Credit Union Limited has implemented a new security feature to the Online Banking login process. Upon logging in, Members will be promoted to setup Increased Authentication on their account.

What is 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 enter your "Alias Name" and "Personal Access Code". You will then have to answer one of your three security questions that are displayed at random.

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 before accessing Online Banking.

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.

Frequently Asked Questions Expand/Collapse


What is Increased Authentication?

Increased Authentication provides an additional level of security to the online banking log-in process. To activate this additional security, you are asked to select three security questions.

Why is POLCU implementing this enhanced security?

This feature provides another level of protection for our members. It verifies to us that it's you accessing your account and it provides you with the assurance that you are logging into the real POLCU online banking website.

When will I need to register for Increased Authentication?

Members will have until March 5th, 2014 to register their security questions. At that time, registration will be required. We recommend that members register for Increased Authentication as soon as possible, to take advantage of this complimentary security feature.

Can I use my Smartphone to register for Increased Authentication?

Yes, you can use our iOS or Android app to register for Increased Authentication.

Do I have to register for Increased Authentication?

Yes, participation is mandatory for all members who use online banking.

How do I register for Increased Authentication?

The next time you try to log into Online Banking, you will be promted to setup your Increased Authentication settings.

Does my Alias Name and Personal Access Code (PAC) change?

No. Increased Authentication adds security features, but does not change your Alias Name or your PAC.

How much does Increased Authentication cost?

Increased Authentication is a free secure service provided to all members at no cost.

Does it take a long time to register?

Setting up the new security features is quick and easy and will take just a few minutes.

Do I have to answer a security question every time I log on?

You will only have to answer a security question if you are signing in from a computer that you have not registered as a "trusted" computer. If you have registered your computer as trusted, you will not be asked a security question. Registering your computer will place a permanent cookie on your computer for identification purposes. Every time you clear your cookies, you will have to repeat the registration process.

Note: You should only register a computer if you are the owner or its sole user. We recommend that you do not register computers that are shared, such as those found in libraries or shared work computers.

Can I change my security questions?

Yes, when you are logged into online banking, you will find a "Profile and Preferences" menu on the left hand side of the screen where you can go to change any or all of your choices.

What happens if I answer a security question incorrectly during login?

You will have 3 attempts to answer a security question, after which point your account will get locked out. If your account gets locked out, please contact us to have your account unlocked.

Please note that if you're locked out of Online Banking because you have entered your Personal Access Code incorrectly three times, you'll need to wait until the following day to log in again.

 

What is Phishing?

Recently there have been attempts by fraudsters to trick people into revealing their personal information and passwords by creating fake websites that look very much like the sites of legitimate financial institutions. They send out random emails with links to these fake websites. Once there, you enter your Alias Name and Personal Access Code on their site, and they use this information to later log in to your account. This type of fraud, known as phishing, depends on you mistaking their site for the real one.

Additionally, POLCU will never send you an email with instructions to click a link to access our website. Therefore, if you receive an email appearing to come from POLCU asking you to click a link and enter your password, you can conclude that the email is phishing, and doesn't come from Polish Credit Union. As always, contact us at 1.855.POLCU.CA to verify anything you are not sure about.

 

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