Enhanced Personal Access Code

Consistent with industry security standards, you will be required to change your personal Online Banking login from your five-digit Personal Access Code (PAC) to a longer, alphanumeric password.  You can manually change your PAC from your Online Banking, directly from the login screen by clicking “Forgot PAC” and following the on-screen steps. You can also do it from within your Online Banking under Profile and Preferences or the Mobile App under Settings.

You will have 60 days from the time this change is available to make the change within your online banking. Starting on November 21st, you will be required to change your PAC before logging in.

Have a question about your PAC? Check here for the answer. Don’t see your question? We’re here to help. Contact us at 902.492.6500 or info@cua.com.

Frequently Asked Questions

Do you have questions that aren't here? Let us know!

Why do I need to change my Personal Access Code (PAC)? Expand/Collapse

We’re making this change to enhance IT security measures.  IT experts recommend longer and more complex passwords to provide greater protection from unauthorized users correctly guessing a password, which could then enable access to members’ accounts.

Do I need to change my PAC right away? Expand/Collapse

While we encourage changing your PAC as soon as possible, you will have until the end of November 20th to do so.  Starting on November 21st, if you haven’t yet changed your PAC, you will see a popup window when you attempt to log in to your online banking that will require you to change your PAC before being able to continue through to your accounts.

How do I change my existing PAC to an alphanumeric PAC? Expand/Collapse

You can change your PAC by logging in to your online banking using your desktop or your mobile banking app. If you’re using a desktop, navigate to Profile and Preferences and select Change Personal Access Code. In the mobile app, selecting Settings will offer the option to Change Personal Access Code. From here, follow the onscreen instructions to complete the change. The next time you log in to your online banking, you will use your new PAC.

For assistance, please contact a member of the CUA team at 902.492.6500 or info@cua.com.

What happens if I forget my new PAC? Expand/Collapse

If you forget your new PAC, you can reset by clicking on the Forgot Password? link just below the PAC field on the online banking login screen. Once you click this link, you will be asked to confirm your identity and will then be given the option to choose a new PAC.

Learn more about Self Serve PAC Reset »

Do you have any tips on how to choose a new PAC? Expand/Collapse

Absolutely! Here are a few best practices to keep in mind as you choose a PAC:

  • Be sure to choose a PAC that differs from the passwords you use to access other online services, such as your social media accounts or email.
  • Avoid including names, dates or numbers that are related to your identity (such as birthdays, family names, pets or addresses)
  • Try to use a sequence of words and numbers that you will remember, but that will be difficult for others to guess.

What happens if I get locked out of my account? Expand/Collapse

For your security, all CUA accounts will automatically be locked after 3 unsuccessful login attempts. This lock is removed at midnight, at which point you may log in again. Here are a few factors to keep in mind when changing your PAC:
  • If you use a Password Manager, ensure you update your PAC within the application. 
  • Consider all devices where you normally access online banking or the CUA mobile app, and make sure you have updated any saved PACs on each one. 
If you are locked out of your account, you can try the following actions to reset your PAC and restore your access:
  • Click the "forgot password" link on the online banking or mobile app login screen. 
  • Follow the prompts to verify your account using 2-Step Verification. 
  • Completing the verification will allow you to reset you PAC and remove the lock on your account. 

I have QuickView enabled on my mobile app to see my account balances easily. Can I continue using this feature once I’ve changed my PAC? Expand/Collapse

Once you change your PAC, you will need to reset your Quickview. To do this, you will need to start by removing all devices that you have registered to enable Quickview by signing into your online banking on a desktop (or by accessing the full site in a web browser on your mobile device) using your new PAC. Once you have logged in, select Account Services located in the left-hand menu and select Mobile Banking App and remove your devices.

The next time you sign into your online banking using your Mobile App, you can re-enable Quickview by navigating to Settings and Create New Login and following the onscreen instructions.

I have QuickBooks integrated with my business's online banking. What do I need to know? Expand/Collapse

In some cases, business users may find that the link between their CUA accounts and their QuickBooks profile is removed once their PAC is updated. QuickBooks is aware of this issue and is in the process of developing a fix. 

I have a Business Account with a Delegate. Is there anything additional that I need to know? Expand/Collapse

With the new PAC requirements, you will need to log in to online banking to change your PAC before your Delegate will be able to access online banking.  Until the end of November 20th, existing delegate(s) will not be required to update their PAC to the new PAC format unless your existing delegate needs a new PAC or you are setting up a new Delegate. Starting on November 21st, your Delegate must also change their PAC to this new standard.

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