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-SSL, which encrypts 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 of the browsers we support meet this requirement. If yours doesn't, please download the appropriate encryption support from your browser's supplier.
Security
Ways we keep your information secure
Learn more about he safeguards in place to keep your information secure as you manage your finances online.
Encryption
Controlled Access to Your Accounts
Your accounts can only be accessed online 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.
Best practices when creating your password:
Best practices when creating your password:
- Choose a unique password which differs from other passwords you use to access other online services, such as your social media accounts or email.
- Avoid including names, dates, or numbers which are related to your identity (ex. birthdays, family names, pets or addresses).
- Try to use a sequence of words, numbers and symbols that you will remember, but which will be difficult for others to guess.
Enhanced Login Security (Multi-Factor Authentication)
Multi-factor authentication (sometimes known as a 2-Step Verification or 2SV process) adds an extra layer of security when signing into online banking. In addition to your login credentials, multi-factor authentication will also ask you to confirm your identity using a secondary method when signing into online banking.
If this is your first time logging into online banking, you will be asked to register for multi-factor authentication. To register, simply sign in using your login credentials and follow the on-screen instructions.
If this is your first time logging into online banking, you will be asked to register for multi-factor authentication. To register, simply sign in using your login credentials and follow the on-screen instructions.
Online Banking Alerts
Sign up for online banking alerts to receive text or email notifications of important activity on your accounts. Alerts ensure you are the first to know of any suspicious activity or transactions. To sign up, log into online banking, navigate to Messages and Alerts and follow the on-screen steps.
These are some of the alerts available:
These are some of the alerts available:
- Personal Access Code Changed
- New Bill Payee Added
- Online Banking Account Locked Out - Incorrect Personal Access Code
- Online banking login
- Interac e-Transfer Contact Added
- New Message
Lock 'N' Block
If your debit card is lost or stolen, you can immediately prevent any unauthorized transactions by using Lock’N’Block; a self-serve card lock feature which allows you to lock your credit union debit card or block certain types of transactions using the Mobile App or Online Banking. When locked, all transactions are automatically declined, making fraudulent attempts to use the card online, by phone, at ATMs, or at retailers virtually impossible.
How it works:
- Log in to online banking on desktop, using the mobile banking app, or using your mobile device's browser
- Select Lock’N’Block under Account Services
- Select the card and features you want to disable or enable
- Be sure to save your changes
If your card is lost or stolen, after using Lock 'N' Block to block tranactions, you will still need to report your card as lost and stolen by phoning 1-888-277-1043.
International Country Blocking & Travel Exclusion Service
International Country Blocking is a preventive security measure and added layer of fraud protection applied to your credit union debit card. Fraud incidents are monitored globally and in individual US states in real-time, with blocks being applied to countries or states considered to be high risk. Once applied, your credit union debit card cannot be used to process transactions when used in blocked countries or states.
Travel Exclusion Service
To prevent interruptions in accessing funds when travelling outside of Canada, be sure to contact us with the dates and locations of your trip. If you're unable to contact us by visiting us in-branch, send us an email and we will contact you to verify your travel details and confirm the travel exclusion has been applied.
Travel Exclusion Service
To prevent interruptions in accessing funds when travelling outside of Canada, be sure to contact us with the dates and locations of your trip. If you're unable to contact us by visiting us in-branch, send us an email and we will contact you to verify your travel details and confirm the travel exclusion has been applied.
Online Security Guarantee
In the unlikely event you experience a loss resulting from an online banking transaction which you did not authorize, we offer an Online Banking Security Guarantee, provided you have met your online security responsibilities. Read more below on how we protect you and about your security responsibilities.
How we protect you
We've made a commitment to keep your online transactions as safe as possible. The safeguards we've put in place to protect the security, privacy, and integrity of your information during transactions include:
- Secure firewalls to help prevent unauthorized access
- Data encryption to help ensure your information is safe and secure
- Around-the-clock monitoring to proactively help identify unusual member account activity and to maintain the quality of our systems.
Your security responsibilities
You are automatically covered by the Online Banking Security Guarantee provided you meet your security responsibilities outlined in the member agreements you have with us.
The following documents address your responsibilities, and procedures for addressing unauthorized transactions:
The following documents address your responsibilities, and procedures for addressing unauthorized transactions:
Steps you should take to safeguard your information
You play a vital role in protecting your security when using online banking on a computer, mobile device, or tablet. While we implement safeguards to protect the security, privacy, and integrity of your information, there are important precautions you should take to help protect your information and prevent loss:
- You must maintain the care, control, and confidentiality of your username(s) and passwords which you use to access your accounts. Usernames can include an account number, email, etc. Passwords should have a degree of complexity and are created to access your online banking. Further, additional verification processes such as security questions, codes, etc, should be used to provide multi-factor verification to strenghten your online banking security.
- Ensure your browser and operating systems are up-to-date. Software updates often include fixes to keep your device more secure.
- Avoid providing personal information online while using public WiFi, as these connections may not be secure.
- Use anti-virus and anti-malware programs
Failure to meet your security responsibilities
We are not responsible for losses resulting due to your failure to meet your security responsibilities. Examples of failing to meet your responsibilities include situations where you:
- Voluntarily disclose your account number or personal access code (PAC)
- Carelessly or improperly handling, storing, or disclosing your account number or personal access code.
- Failing to notify us immediately in the event of the following:
- loss, theft, misuse, or compromise of your account number, personal access code, mobile device, or tablet
- if you suspect unauthorized activity has occured in your account(s)
We're always here to help
If you suspect there has been inappropriate activity in your account, you must notify us immediately by phone or by email. If you reach out by email, please ensure to only send your contact details and a brief description of the issue. Please do not include account numbers or any private and/or confidential information. We will follow up with you to determine the details of the activity and to investigate fully.
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Copyright 2024 Coastal Financial Credit Union. All rights reserved.
Copyright 2024 Coastal Financial Credit Union. All rights reserved.
