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Fraud Protection & Prevention


Protecting your Personal Access Code (PAC)

Just as you play a vital role in ensuring the security of your home and your possessions, you too share in the responsibility for ensuring that your personal information is adequately protected. To ensure that you are the one accessing your accounts, we need a unique way of knowing that it's you. Just as the key to your home protects unwanted entry, the online banking Personal Access Code (PAC) and Increased Authentication challenge questions - ensures that only you can access your accounts.

It is your responsibility to ensure that your PAC and the answers to your challenge questions in the online section of this website are protected. Please observe the following security practices:

• Select a PAC that is easy for you to remember but difficult for others to guess. For example, never use obvious PACs such as 12345.
• When choosing a PAC do not select a part of your ATM card PIN or another password.
• Keep your PAC confidential and do not share it with anyone.
• Do not write your PAC down or store it in a file on your computer.
• Never disclose your PAC in an email message, and do not disclose it over the phone.
• Ensure no one observes you typing in your PAC at ATMs or Interac Direct Payment merchant terminals.
• Change your PAC on a regular basis. We suggest every 90–120 days.

• When selecting challenge questions, choose questions that only you would know the answer to.
• Keep the answers to your challenge questions confidential and do not share them with anyone.
• Do not write your challenge questions and answers down or store them in a file on your computer.
• Never disclose your challenge questions and answers in an email message, and do not disclose them over the phone.
• Ensure no one observes you typing your challenge question answers on a computer, tablet or other online banking devices.
• Change your challenge questions and answers on a regular basis. We suggest every 90–120 days.

For fraud prevention purposes, please remember that all RCU Members are required to change their passwords, also known as your Personal Access Code, once a year.  You can do this once you've logged in to your online banking on the left side of your screen under 'Profile & Preferences'.


Add some peace of mind to your finances!  Activate Alerts for Online Banking.



1. Sign in to Online Banking.  A new window will open, this page will still be available fo reference.


2. Select the option 'Messages and Alerts' from the column on the left by clicking the text.


3. Select the option 'Manage Alerts'.


4. You will be presented with six options, select the options you'd wish to activate.  (recommended by the pros select 'All Alerts')


5. Select the option 'Manage my Alert Contacts'.


6. Enter the way you'd like to receive Alerts, either by email or text.



Activate Autodeposit for e-Tranfsers.  Eliminate security questions and opportunities for fraudsters!

Arrange for money to be automatically deposited into your account without a security question. You’ll simply be notified once it’s been transferred in – no questions asked!

  • Its the safest way to receive e-transfers and avoid fraud  
  • At no time is your money in e-mail limbo,  leaving the chance for funds to be intercepted in your email 
  • More on e-Transfer


How to set up Interac® e-Transfer Autodeposit

  • Log into your online banking or mobile app.
  • Look for Autodeposit in the Interac e-Transfer section.
  • Register your email address and link the account.
  • Click “Complete Registration” in the confirmation email.

Enjoy the added security and ease of Autodeposit and you can manage it whenever you want in your settings.


Protect Yourself Against Fraud


Your Privacy and Protection starts with a complex and secure password!

We take our members security very seriously and are committed to the highest standards of fraud prevention and identity protection. There are no typical victims of fraud and with today’s technology these creative scammers can be anywhere. The good news is – you’re in charge of your money and your safety. Here are a few tips that can help you avoid becoming a victim of fraud:

  • Create a complex password - Use a confidential combination of Capital letters, lower case letters, numbers and symbols. 

  • Keep Personal Information Confidential - Do not give personal information over the phone, through email or over the internet unless you initiated the contact and know who you’re dealing with

  • Keep Personal Information in a Safe Place - An identity thief will pick through your garbage or recycling bins, so be sure to shred unwanted personal documents such as transaction records, insurance forms, financial statements, cheques, copies of credit applications, etc.
  • Keep Your Computer Safe - Protect your computer with a good firewall and anti-virus, anti-malware software. Don’t try, don’t buy, and don’t reply to spam or emails that ask for your banking information. Be wary of online offers from web sites you don’t know
  • Protect Your PIN and Passwords - Do not reveal your PIN or passwords to anyone, including employees of your financial institution, family members and friends. When conducting a transaction at an ATM or retail (point-of sale) location, keep your Member Card or Credit Card within sight and shield the keypad when entering your PIN
  • Don’t be a Victim of Cheque Fraud - If someone sends you a cheque and asks you to deposit the cheque into your account and then forward most of the funds by wire transfer or money order, watch out, you may become the victim of cheque fraud!
  • Protect Your Log In Information for Online Banking - Never share you PAC (Personal Access Code) with anyone. Select a PAC that is easy to memorize but difficult to guess and change it in Online Banking on a regular basis
  • Turn on Alerts for Your Online Banking - Sign in to your RevCU online banking, find Alerts on the left side of your screen, and turn them on!  Its easy to follow the steps.
  • Activate Autodeposit for eTranfers - Never get your e-Transfer compromised.  No security question, just a notice that your cash has arrinved safely with AutoDeposit!


​Foiling Identity Theft

Take a look a our Financial Lireracy Resource, It's a Money Thing, for a light-hearted approach to fraud prevention!

How to Spot Scams

Take a look a our Financial Lireracy Resource, It's a Money Thing, to hone your scam spotting senses!


Here are a few helpful fraud prevention resources;