We've merged effective January 1, 2020 and while this website may still bear the name and logo of Westminster Savings Credit Union, we are in the process of revising all print and digital materials to bear the name of the new legal entity - Prospera Credit Union. We appreciate your patience during this transitional period.
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Frequently Asked Questions

  10. How do I consolidate my accounts online?

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
See Mobile Banking Options

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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Online Banking For Your Business

If you use Online Banking for your business you may need Business Express Internet. Read more.

For more information