MemberDirect® Enhanced Security

NOTICE TO MEMBERS:   MARCH 1, 2019       


(View of  “reCAPTCHA” enhanced security feature, above)


Cypress Credit Union has now added a new security feature to online banking to increase member protection, called reCAPTCHA.

reCAPTCHA  requires members to click on pictures following a specific question asked by reCAPTCHA.  You may be asked to “select all of the pictures” containing any part of the object described in the instructions (See picture of “reCAPTCHA” enhanced security feature, above).  Some pictures may appear somewhat blurry.  All of these things are meant to deter “bots” and unauthorized access attempts in to accounts.

Members who also have a weak password for their online banking will be challenged to upgrade their password to meet these higher security standards.   Due to the risk of potential on-line banking fraud (called “Brute Force Cyber Attacks”) against financial institutions, any MemberDirect account that has not been logged into for 30 days will be inactivated.  If this happens to you, then you will need to contact one of the staff at your home branch to have your MemberDirect reactivated.

We would like to remind all of our MemberDirect users to change your password frequently (3 times per year minimum) and to use a password that is not easily guessed such as 12345, 11111, or your phone number.  If you are NOT currently using the MemberDirect ALERTS security features that are available, please set them up.   This will notify you:

·       Whenever someone logs into your MemberDirect;

·       A new bill payee is added to your list of business vendors;

·       Your Personal Access Code (PAC) is changed;

·       If you are locked out after 3 unsuccessful attempts to log in

These ALERTS can be sent as a text message to your mobile device, as an email, or both.  If you have any questions or require assistance to set up the Alerts please contact one of our friendly staff for assistance.


Cypress Credit Union is pleased to offer these added security features to protect our member.

Should you have further questions, please contact your branch.

With Cypress Credit Union's MemberDirect® online services you can access your account anytime, anywhere, 24/7 from the comfort of your computer.

  • Check your balance
  • Complete a transfer
  • Pay bills
  • Sign up for Mobile Services

If you haven't signed up for online services, please call us at 306-662-2683 or 1-877-353-6311 and we'd be happy to help you.

Enhanced Security?

At Cypress Credit Union, you can feel secure about online services. We have enhanced our security features even further for your protection. These enhancements include an increased authentication process.

How to Log In?

To log-in, simply click on the online services image on the left hand side of our website.   

You will be taken to the online services login page where you can enter your Card Number located on the front of your Member Card® Debit Card followed by your Access Code (PAC). Click on the Login button to complete the process.

You will then be asked to select a security image. If you would like to see more images than the ones showing on the page, click on the "more" button. Click on the image of your choosing and then enter a caption for the image.

You will then see a group of "challenge" questions. Choose three and provide the answers for the questions. The questions you select should be easy for you to answer and remember. Click "proceed" once you've answered three. You will see your selected image, caption, and questions.

What Happens Next?

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

If you log in to a shared computer, e.g. the library, you will be asked one of the three challenge questions. Once you answer one question correctly and enter your online services password, you will be allowed access to your account.

You can change your image or challenge questions at any time.

Why the New Security Enhancements??

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 Cypress Credit Union online services site -- MemberDirect®.

If you have any further questions regarding our new enhancements, please call us at 306.662.2683 or 1.877.353.6311.

Member Q&A

Was MemberDirect® not secure before?

MemberDirect® was always secure prior to the new enhancements.  It offers the best security currently available in a commercial environment so that your personal and financial information is protected.

What brought these enhancements about? Was MemberDirect® compromised in any way?

Not at all.  Unfortunately, cyber-crime is common in today’s online world.  As criminals discover new ways to attempt to gain your personal information, we need to follow suit and increase our security features.

Will logging in now be time-consuming?

The first time you log in to MemberDirect® after the introduction of the increased security features may take a few minutes.  You will need to choose a security image, caption, and provide answers to three challenge questions of your choosing.  After that, logging in from home will be the same as before.

If you log in using a shared computer, e.g. the library, you will be asked one of your challenge questions.  Submit the answer, and you will be online services in seconds!

Will logging in the first time be complicated?

Logging in after the introduction of the new security features is very easy.  MemberDirect® provides step-by-step instructions for you and if you have any problems, you can always call our Contact Centre and we’d be happy to help you.

Do I still need a Personal Access Code?

Your Personal Access Code will remain the same as your current one.  You will still need to enter it every time you log in to MemberDirect®.

What if I enter the answer to one of my challenge questions incorrectly?

You will have three chances to answer a question correctly.  After the third attempt, you will be locked out and will need to contact the phone number provided on the MemberDirect® screen.

Can I change my security image or challenge questions?

You can change either at any time.  There is a link on MemberDirect® that allows you to do so.

I was trying to set up my security image and I saw a picture I liked. I’ve been scrolling through the pictures, but I can’t find it again. Why?

The site contains thousands of security images. Once you have gone past the images, you can’t go back. If you see an image you like, select it right away. You have the ability to change your security image at any time.

How do I choose a security image?

Double click on the image you would like to choose. When you see a red border around the image, then you know the image has been chosen.

I understand the challenge questions, but why have a security image?

I understand the challenge questions, but why have a security image?

Have you ever received an email that appears to be from a financial institution asking you to click on a link to update your personal information?  This is called Phishing.  It’s a criminal’s attempt at gaining access to your personal information.  Having a security image lets you know that you are on the authentic MemberDirect® website.  If you don’t see your image and caption, you know it’s not the authentic site.

Will these new security features cost anything?

The new features are just additional security for MemberDirect®.  There will be no cost involved.