Frequently Asked Questions
1. What do I need to log into Online Banking?
- You will need to use the last 8 digits of your MemberCard and a Personal Access Code (PAC)
- The PAC is an 11 – 30 alphanumeric code that includes a minimum of 1 special character (refer to this page for acceptable characters), 1 lower case letter, 1 upper case letter, 1 number
- The first time you set up online banking you will be prompted to set up 3 security questions and answers
- Once you’ve logged into online banking successfully, you can use the same log in information for the WSCU mobile banking and for the WSCU app
2. Do I need to have a physical MemberCard to log into Online Banking?
- No, you do not require a physical MemberCard to access Online Banking, just a MemberCard number
- If you don’t have a MemberCard or a MemberCard number, visit the nearest branch or call the Member Service Centre at 604-517-0100.
3. I have a MemberCard but have not registered for Online Banking, how do I register?
You can register by clicking on the “Not Registered?” link within the Online Banking portal. You will be asked to:
- Verify your identity
- Answer 3 or 4 questions based on your TransUnion credit history
- Create a Personal Access Code (PAC)
- On the Login Access Agreement page, accept the Terms and Conditions.
- On the Setup Increased Authentication page, select and answer 3 security challenge questions.
- You will then be redirected to your Account Summary page
Alternatively, you can visit any one of our branches or contact our Member Service Centre at 604-517-0100 or toll free at 1-888-277-1043 to get set up for Online Banking.
4. Why does the PAC have to be 11 – 30 alphanumeric characters?
- Online fraud and identity theft is on the rise and Westminster Savings is using industry leading methods to protect your information
- A PAC that is longer in length and includes alphanumeric complexity will make it very difficult for unauthorized access to your accounts
- Click here for additional information on our PAC guidelines
5. If I have forgotten my password, how do I reset it?
- Within the Online Banking portal, there is a “Forgot your PAC?” feature.
- Enter your full 16 digit MemberCard number.
- You will be asked to verify your identity.
- You will be prompted to answer 3 or 4 questions specific to your TransUnion credit history.
- You will then be asked to reset your password.
6. Why do I require security questions and a PAC? I've never had a problem using Online Banking before. Why do we need all of this extra security?
- Security questions are an additional layer of security to help protect your financial information
- They provide an additional way for Westminster Savings to verify that an authorized person is accessing their accounts
- Note: You may not be asked to answer your security challenge questions each time you log in; this will depend on if you have registered your computer or if you are using a public computer
7. Can I change my security challenge questions after I've set them up the first time?
- Once you have set up your security challenge questions the first time you can change these in Online Banking in the "Member Services" section
- Three security questions are required for the increased authentication
8. Why do I get an error message when I try to log in?
- Make sure that you have entered only the last 8 digits of your MemberCard number
- Make sure your PAC is entered correctly
- Click on the Help links within the message for additional information
9. Can I view my business accounts in Online Banking?
- If you are a signer on a business and a personal account you can consolidate your accounts and view both at the same time
- You can view all of your Westminster Savings accounts, pending transactions and investment accounts all in one consolidated view in Online Banking
10. How do I consolidate my accounts online?
- Once logged into your business account, you will find the option on the menu on the left side of the screen
- Follow the prompts and you will be able to link your personal account to your business account
- Click here for more information
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