Personal Access Features

Securing our emails

There might be times when we need to send you emails to help better serve you. We want to make sure that when we do, all the information contained in these emails is encrypted to help protect the privacy and security of your personal or financial information. We will never send you an email without notifying you and receiving your permission to do so. Learn how to access these secure emails when you receive one from Vancity.


Is my account still protected from phishing?

Absolutely. When the Personal Access Image and Phrase were introduced in 2007, they were considered best-in-class in anti-phishing technology. Since that time, more sophisticated technologies have been built into all major web browsers (Google Chrome, Internet Explorer, Safari, Opera and Firefox, among others), providing users better protection in a more intuitive way.

For example, Google Chrome has built-in tools such as phishing and malware alerts that immediately and clearly alert the user attempting to connect to a site that is not legitimate. This tool is more difficult for an attacker to circumvent and does not require any action from the user, resulting in a more effective solution than the Personal Access Image and Phrase currently in place.

What is phishing?

Phishing is a type of scam where an attacker impersonates a legitimate website in order to trick a user into providing his credentials to the attacker. The attacker can then use those credentials to impersonate the user on the legitimate site.

Is Online Business Plus affected by this change?

No. Members using Online Business Plus have a very different log in process and do not see images or phrases when logging in to their account(s).

Are there still three security questions?

Yes. Vancity’s online banking has an additional layer of security by asking members to self-select three questions the first time they login to online or mobile banking. One of the three questions will be presented in addition to a unique Personal Access Code (password) when the login is not saved, or when members are using a public computer and/or a computer they have not used before.

Will this affect my current registration setting on my personal computer, ie will I be required to answer one of my Personal Access Questions?

No. There will be no impact to your current personal computer setting.

Not sure you’re on

URL Example

The safest way to make sure you're on is to:

  • Quit your browsing session and restart your Internet browser
  • Enter in the address bar
  • Verify that you are viewing the authentic Vancity site
  • Proceed with entering the last 10 digits on your MEMBER CARD® debit card number
  • Answer your Personal Access Question if prompted
  • Proceed with entering your Personal Access Code

Log in to from anywhere

If you log in to online banking from a computer you don't normally use – like a computer in a library, internet café or at a friend's – you may be asked to answer one of your Personal Access questions to confirm your identity. Because you will have selected these questions yourself, they should be easy for you to answer but difficult for strangers to guess.

Forgotten Personal Access questions or code

If you forget your Personal Access questions, please call us at 1-877-733-1533 and we’ll reset your account so you can sign up for these features again.

If you forget your Personal Access code, please visit the nearest branch. For security reasons, your Personal Access code cannot be changed over the telephone. The same applies if you forget your ATM PIN or verbal security word.