News And Updates

Safety Notice

In light of the safety concerns surrounding COVID-19, NLCU wants to remind our membership that we offer online, telephone and mobile banking.

The safety of our members and employees is of the utmost importance. We’d like to encourage any members who are feeling any flu-like symptoms to use our online banking options 24/7, or call our Member Solutions Centre Monday to Friday, 9-5 p.m. at 1-800-563-3300 for any financial services or inquiries you may have.

For more information on the coronavirus and personal safety measures please visit:

Changes to Year-End Tax Form Delivery

We’re pleased to inform members that all year-end tax forms can now be found under e-documents* on MemberDirect Online Banking. Any member with online banking and an active email address on file will no longer receive these documents through traditional mail.

The forms that will now appear under e-documents are:

  • T5 Receipts
  • T4RSP
  • RRSP Receipts
  • T4RIF form
  • NR4RIF form
  • Maturity Notices

This service change was introduced to make financial document access more user-friendly, enable future changes and offer different delivery options. If you have any questions or concerns please contact NLCU’s Call Centre at 1-800-563-3300. 

*Members without MemberDirect Online Banking, and/or no current email address on file will be sent these financial forms through direct mail.

NLCU is Now Offering Online Voting For NLCU Board of Directors

As this is the first year that NLCU is providing members in good standing with the option to vote online for our Board of Directors, we are encouraging members to provide us their current email addresses.

NLCU will send an email with a link to online voting to all members*. Online voting will be open March 10, 2020 - March 25, 2020. NLCU will send an email with a link to all online voting members.

*NLCU members with an email attached to their account will receive an email. The email will go to whichever email address is on file.

Enhanced Features with Interac eTransfers

To accommodate the the Enhanced user features for e-Transfers through MemberDirect, the NLCU Mobile App for Android and Apple has been updated.  All members who use the mobile app will be required to update to the newest version of the app in order to use the AutoDeposit and Request Funds features for e-transfers.

If you have not updated the app by June 17, the next time you attempt to use the app you will be forced to update the app to the newest version from the Google Play Store or the Apple App Store.

*Updated* NOTICE: New Security Feature on MemberDirect Online Banking

MemberDirect Online Banking implemented a new security feature at the end of 2018 requiring members to select the "I'm not a robot" captcha checkbox when signing in to an online banking account.

As of February 26, 2019, Invisible reCAPTCHA has been added to the MemberDirect banking system, including both online and mobile web banking logins. As this version of the reCAPTCHA feature runs in the background, there is no additional action required at login, unless reCAPTCHA cannot identify whether the member is a human or a robot, then member will have to manually login with reCAPTCHA.

Manual process: after the member enters their online banking information and clicks ‘log in’, there are two possibilities. Either they will proceed to the online banking page as normal or they will be given a group of images and be asked to identify and click on images that are being requested. If all the required images were identified, the box will close, and they will be redirected to their account. If they did not identify all the required images, they will be prompted to re-complete the process. To learn more about reCAPTCHA, visit Google reCaptcha and for help, visit reCAPTCHA Support.

As always, NLCU is committed to safeguarding members' security and financial information. For any questions or concerns please call NLCU’s Call Centre at 1-800-563-3300.

‘Locking Out Fraudsters' service brought to you by Central 1

As of April 12, 2018, MemberDirect Online Banking will have a new feature brought to you by Central 1 and NLCU that will begin locking online banking accounts in incidents where suspicious activity is detected.
The locks will only take place when Central 1 detects the digital fingerprint of a known criminal accessing an online banking account. Upon account locking, members will receive notification from NLCU that suspicious activity has been detected and will ensure appropriate security measures will take place. In addition to locking the account, Central 1 will block any e-Transfers sent on the account during the fraudulent login session.

If you have any concerns about this feature or the security of your NLCU account please give us a call, 1-800-563-3300.

New Home Purchase Program for New Home Buyers

The Provincial Government announced a new home purchase program that will make it easier for new home buyers to purchase their first home.The program has been introduced to take the place of the former Down Payment Assistance Program delivered by NLHC, placing greater focus on its goal to ensure home ownership is more accessible for first-time homebuyers

As part of Budget 2018, $1 million has been allocated for a new Home Purchase Program. The program will provide grants of $3,000 to individuals and families to go toward the down payment of newly constructed or existing new homes never sold or occupied that are valued under $400,000 including HST. The 330 grants provided in 2018-19 will be issued to the first home buyers who apply and qualify.

The program will be extended to March 31, 2019, and NLHC will accept applications for the First-time Homebuyers Program beginning April 1, 2018. Additional program information can be found at

Eco-Friendly Vehicle Loan Rebate

Do you want to help out the environment and put some extra money in your pocket?  If you do, we recommend you try our Eco-Friendly Vehicle Loan.  With an Eco-Friendly Vehicle Loan you get flexible payment options, great rates and valuable life and disability insurances.  Here’s the best part – we will pay you to do it!  When you get an Eco-Friendly Vehicle Loan from NLCU you will receive a 3%* cash back rebate at the time of the agreement.  Just think – a new or used vehicle, cash in your pocket and the road in front of you.  

*OAC, some restrictions apply, and rebate on value of loan only includes vehicle price and not additional insurances or other products financed in the loan.

Communicate Using Email

NLCU offers a convenient and environmentally friendly way of communicating with you through email. If you would prefer to communicate electronically, please forward your email address to and we will update your contact information.

For details on any of the above notices please call 1-800-563-3300, visit or visit one of our 12 locations province-wide.

NLCU Is Implementing Interac Flash MemberCards

Interac has responded to the needs of its cardholders by introducing Interac Flash, a fast, secure and convenient way to make those daily transactions!

Your Interac Flash debit card operates the same as your old debit card except it adds the Flash payment option. Flash allows the cardholder to make purchases under $100 simply by holding their card within four centimeters of the point-of-sale terminal. Interac Flash transactions offer the same secure chip technology as regular chip-and-pin cards but also include additional security features to protect Flash transactions.

Flash transactions are itemized on monthly statements and on online and mobile banking profiles in the same manner as any other transaction. There are no additional fees associated with Interac Flash transactions.

Interac Flash transactions have a $200 cumulative limit, meaning that only $200 total can be spent across all Flash transactions before the terminal will prompt the cardholder to enter their PIN. Your Flash card is also protected by Interac’s Zero Liability Policy, which insures the cardholder against any unauthorized use of their Flash card.

Interac Flash is an optional feature designed for your convenience. Your Flash card can still be used for chip-and-PIN transactions if you do not want to take advantage of the Flash feature.

For more information - click here

Wire Transfer Fraud Protection

The threat of wire transfer fraud is always prevalent; however these losses can be prevented easily, following some simple risk control procedures.

Wire Transfer Fraud Scheme:

The typical scheme is a member’s email account is compromised by criminals. The criminal sends an email request to the credit union requesting a wire transfer, usually a foreign country. Often social engineering is used to counter the risk of control processes that may be in place. When the wire transfer is issued, and upon review of the account statements, the member identifies the unauthorized transactions. By this time it is usually too late to fully recover the funds.

Please be advised that any email requests for wire transfers need to be confirmed by member by telephone confirmation (with further identification questions). Email wire transfer request that have not been confirmed by the member will not be processed.

If wire transfer is over $10,000 the member sending money and person receiving transfer may have to be confirmed (by telephone) before transfer is sent.

Please feel free to reach out to NLCU if you have any questions or concerms. Any time someone approaches you unsolicited about sending or receiving a wire, be cautious please contact your NLCU branch to ensure a money transfers validity. 




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