Security and Ease of Access

Increased Authentication Services


Introducing 2-Step Verification and Self-Serve PAC Reset


NLCU's online and mobile banking now have a new security feature called 2-Step Verification and a new self-serve feature for resetting your personal access code (PAC).

2-Step Verification is a new security measure that will help to ensure safe and secure logins to your online banking, adding an enhanced layer of protection from cyber criminals. Click here to access our step-by-step guide for enrolling in 2-Step Verification.

We've also made it easier than ever for you to access your online or mobile banking if you have forgotten your PAC. Using the new Self-Serve PAC Reset feature, you can reset your personal access code without having to contact us.

Benefits for you:

Safer, more convenient logins You now have the opportunity to reset a forgotten PAC from your own device.

Advanced Security High-risk logins now require 2-Step Verification to protect your money from fraudsters.

Easy to use You can enroll for both 2-Step Verification and reset your PAC from your mobile phone or desktop computer.

Frequently asked questions:

Have a question about 2-Step Verification or Self-Serve PAC Reset? Check here for the answer. Don’t see your question? We’re here to help! Contact us for more information.

What information do I need to register for 2-Step Verification? Expand/Collapse

You will need either your mobile phone number or your email address to register for 2-Step Verification. It’s important to use your own mobile phone number or an email address you can access easily, as you will need to retrieve and input a verification code to access your online banking.

You will also need to know your account number and PAC. Once 2-Step Verification goes live, you must enter your account number and PAC manually the first time you access online banking.

How long does it take to register? Expand/Collapse

Enrolling in 2-Step Verification is easy and will take you about 5 minutes from start to finish.

How long do I have before I'm required to register? Expand/Collapse

Starting October 25, 2021, existing members have 45 days to register for 2-Step Verification. You will be provided with the opportunity to enroll each time you attempt to login to your online banking. After the 45 days have passed, you will need to sign up for 2-Step Verification to access your online banking.

New members must enroll in 2-Step Verification to access online and mobile banking.

Once I sign up for 2-Step Verification, can I go back to using my old security questions? Expand/Collapse

2-Step Verification will replace the use of security questions and answers to confirm your identity, as it adds a layer of protection to the login process and is becoming a new industry standard security practice.

I don't have a mobile phone. Can I use my landline and recieve a text-to-voice? Expand/Collapse

While you’re not able to register for 2-Step Verification using a landline, you can sign-up using an email address instead. If you don’t have an email address, there are lots of great email providers that offer free service to choose from.

Will I be asked to input a verification code every time I sign into online banking? Expand/Collapse

Just like with your security questions, you will only be asked to enter a verification code when added confirmation of your identity is needed, such as when you attempt to log into online banking from an unfamiliar device or are trying to access your banking in a new location.

I lost my phone/I'm not able to access the email address I used to register for 2-Step Verification and now I can't log into online banking. What can I do? Expand/Collapse

Don’t worry – we’re here to help. Contact or visit your nearest branch and our staff can confirm your identity and reset your 2-Step Verification. Once your branch resets your 2-Step Verification, you will be asked to register for 2-Step Verification using updated information the next time you attempt to log into online banking.

Outside of regular business hours, you can contact Sonoma Online Technical Support at 1-888-CREDIT-U (273-3488) and they will be happy to help you.

I haven't received a verification code. What should I do? Expand/Collapse

First, if you’ve registered for 2-Step Verification using an email address, make sure to check your spam folder. If you haven’t received a code after 10 minutes, you can click on the “Didn’t receive a code” link in the Enter Your Verification Code screen to have a new code sent.

If you’re just signing up for 2-Step Verification and haven’t received a code, you may also want to confirm that you have input your mobile phone number or email address correctly. If you find an error, you will have the option to back up a step and correct your information.

I share an online banking login with my joint account holder. How does 2-Step Verification work for me? Expand/Collapse

To help keep your information secure, we would recommend that you and your joint account holder use individual logins to access MemberDirect®. If you or your joint account holder needs to set up your own login, please visit your local branch.

Does 2-Step Verification collect or keep any of my personal information? Expand/Collapse

2-Step Verification does not collect or store any personally identifying information.

What information do I need to reset my own PAC? Expand/Collapse

Using Self-Serve PAC Reset is easy. You will need your account number (the same one you use to log into online banking) and either the last 3-digits of your SIN or your Date of Birth. You will also need to have your mobile phone or email address that you use for 2-Step Verification handy, as you will need to receive and enter a verification code to confirm your identity.

How is my information protected if I reset my PAC online? Expand/Collapse

Self-Serve PAC Reset is very safe and uses secure information along with 2-Step Verification as an added layer of security.

I tried to reset my PAC using the self-serve option but have gotten an error message. Why is this? Expand/Collapse

There are a couple of reasons why you may have received an error message. First, in order to use Self-Serve PAC Reset, you will need to be registered for 2-Step Verification. This feature is part of the way that we confirm your identity during the Self-Serve PAC Reset process.

If you are registered for 2-Step Verification and are receiving an error message, we recommend getting in contact with your branch as some of your details on file may need to be updated before you’re able to access self-serve options.

Am I still able to visit my branch to have my PAC reset? Expand/Collapse

Absolutely! You are always welcome to visit your credit union for additional help resetting your PAC.