Security and Ease of Access


The next time you log-in to MemberDirect® Online Banking, things might look a little different.

As fraudsters continue to find more sophisticated ways to access sensitive information, protecting your financial data as you manage your money online is more important than ever. 2-Step Verification and Self-Serve PAC Reset are new industry-wide standards that help to ensure safe and secure logins to Online Banking.

2-Step Verification

2-Step Verification is a new security measure within Online Banking that serves to replace the existing use of security questions. During higher-risk logins, you will now be sent a short, one time use unique code that you must enter to confirm your identity before continuing into your online banking.

To set-up 2-Step Verification, click the log-in button on the home screen of online banking and follow the prompts to register. You will need to provide either your mobile phone number or email address for the code to be sent.


Mobile Instructions: Two-step verification

Self-Serve PAC Reset

Self-Serve PAC Reset is a new enhancement that allows you to reset your own Personal Access Code (PAC), without needing to visit or phone your credit union. Previously, if you forgot your PAC, you would have to call your credit union to reset it; you can now do this yourself from your own device. You must be enrolled for 2-Step Verification before you can reset your own PAC. To reset your PAC, click the “Forgot your PAC” button found in the log-in section on the home screen of online and follow the instructions.

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.

We're here to help!

Have a question about 2-Step Verification or Self-Serve PAC Reset? Don’t see your question in the FAQs? Contact us for more information. During business hours call 506-622-4532.

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.