​Staying Safe Online

Online Banking makes managing your finances easy and convenient.  However, there are measures you should take, and best practices you should follow, whenever you go online to access your accounts.  Because your online security is our priority, we have compiled suggestions and tips for safe browsing to help you avoid falling victim to Internet threats.

Security Guarantee

Our Online Banking system is safeguarded with the best security available in a commercial environment, ensuring that your information is protected while data is transmitted between your computer and our banking server.


Internet 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-bit SSL, encrypting 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 the browsers we support meet this requirement.  If yours doesn't, please download the appropriate encryption support from your browser's supplier.

Controlled Access to Your Accounts

Your accounts can only be accessed 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.

Enhanced Security Login Process

The first time you log in to your online banking account, you will be asked to choose from a list of security questions and answers. Be sure to pick questions with answers that are not easy to guess. Use ones that only you know.  If you have a joint account, the questions and answers for both users must coincide.  You can register your home or personal computer so that you will not have to answer a security question every time you log in.  However, when you log in to your account from another machine, or periodically, we will ask one of the security questions to confirm your identity.

For security reasons, we track the number of login attempts used to access your online banking.  After a number of incorrect attempts to provide the correct PAC or answers to security questions, your online access will be immediately disabled.  To regain access, please call our Member Experience Representatives.

Safe Browsing

When visiting a branch, you can feel confident that your money is safe and secure, with the premises adorned by vaults, locked doors, security and surveillance.  We are keeping you just as safe when you bank with us online.  However, once your information reaches your computer, you have a responsibility to protect it.

Identify and Prevent Scams

While pickpockets can only target a few people each day, Internet fraudsters cast their nets much wider, using the anonymity and reach of mass emails and fake websites.  You can protect yourself from these situations by knowing how to identify and avoid these scams.

We take attempts to defraud our members very seriously.  If you receive correspondence that you think may not be from Unity Credit, please report it to us by Telephone or our Contact Us form.

Quick tips to avoid scams:

  • Never use a link provided in an email or text to access your Online Banking (because we don't send those, scammers do!).
  • Do not open emails, texts or attachments from unknown sources.
  • Scan your emails using anti-virus software.
  • Read before you click!  It is important to understand that electronic messaging is not a secure form of communication. Unity Credit Union will never send you an unsolicited email or text message that asks you to provide sensitive personal information like your social security number, bank account number, and credit card information, ID questions like your mother's maiden name or your password.

Keep Your Devices Safe

It's a good idea to protect and maintain the devices you use to do your banking.  This can involve upgrading the software and other practices as outlined here.

Direct Alerts

    Protect yourself from fraud with Direct Alerts

    Sign up for free Direct Alerts to receive email or text message security alerts when activity occurs in your Online Banking. 

    You can receive notifications for the following Direct Alerts:

    • Personal Access Code (PAC) changed
    • Interac e-Transfer® recipient added
    • Online Banking account locked out
    • New Online Banking login 
    • New payee added
    How to Sign Up for Direct Alerts on your smartphone:
    1. Login to the Unity Credit Union Mobile App.
    2. Click the 'Alerts' icon (swipe left to second screen to find this icon).
    3. Tap on the 'Manage' tab.
    4. Tap on the specific Alert you want to set up.
    5. Choose whether you want to be notified by email or text.
    6. Click 'Save'.
    7. Click 'Save' again to activate the Alert.
    8. Follow these steps to set up all Alerts.
    How to Sign Up for Direct Alerts on your computer:
    1. Sign in to Online Banking on your computer. 
    2. Navigate to the 'Message and Alerts' tab.
    3. Click on 'Manage Alerts'.
    4. Click on the Alert you want to acitvate.
    5. Click 'Add'.
    6. Choose whether you want to be notified by email or text.
    7. Click 'Save'.
    8. Click 'Save' again to activate the Alert.
    9. Follow these steps to set up all Alerts.


    The Autodeposit feature allows the money you have been sent (via Interac e-Transfer®) to be automatically deposited directly into your bank account, without having to login to Online Banking or answer security questions.  

    How to sign up using Online Banking:
    1. Login to your Unity Credit Union Union Online Banking.
    2. Select ‘Transfers’ from the side menu.
    3. Select ‘Send INTERAC e-Transfer®’ from the side menu.
    4. Select ‘Autodeposit’ from the top menu.
    5. Select the email address and account you want the money deposited into.
    6. Confirm your email address: You will receive an email from Unity Credit Union Limited  - Click the 'complete registration button.
    How to sign up using the Unity Credit Union Mobile App:
    1. Login using your fingerprint, Face ID, or PAC.
    2. Select ‘INTERAC e-Transfer’ from the menu.
    3. Select 'Settings' in the top right.
    4. Select ‘Autodeposit’ from the list.
    5. Add your email, and follow the on-screen instructions.
    6. Confirm your email address: You will receive an email from Unity Credit Union Limited  - Click the 'complete registration' button.


    Manage your MEMBER CARD® debit card when you are travelling, or when you suspect that your your card is being used fraudulently.  With Lock’N’Block®, you can lock your MEMBER CARD® debit card or block your your card for ATM Transactions, purchases, and international transactions. 

    How to set up Lock’N’Block®:
    1. Log into your Unity Credit Union Online Banking. 
    2. Click on 'Account Services'.
    3. Choose Lock’N’Block®. 
    4. Select the MEMBER CARD® debit card you want to lock or block by clicking the 'Edit' button next to it. 
    5. Now select the action you want to perform. You can choose to Block Debit Card, Block ATM transactions, Block purchases and refunds or Block international transactions. 
    6. Click 'Save Changes'.