Pre-Register For NLCU's Virtual AGM

---

Fraud Alert: Online Marketplace e-Transfer Scam

Members should be aware of a new fraud scam taking place that targets people who use an online marketplace to sell items. Here's how this scam works:

If you are selling an item through an online marketplace, the fraudster contacts you, posing as an interested buyer, and offers to either pay for the item upfront before viewing it, or pay a deposit to hold the item. When you agree and provide your email address for an email money transfer, the fraudster sends an "e-transfer" email asking you to accept the transfer as payment. This email appears identical to the email you would receive for any other Interac e-Transfer® if you do not have the Autodeposit feature enabled. If you click the link to accept the deposit, the fraudster is then able to compromise your device and gain access to your account. The promised deposit never occurs. Instead, the fraudster steals your money by sending an e-transfer out of your account.

Protect Your Credit Union Account Access

A member's best defense against this scam is to enable the Autodeposit feature. With Autodeposit, any funds sent to you are deposited directly into your account without having to answer a security question. If you have Autodeposit enabled and you still receive an email asking you to accept a deposit, that is a red flag that it is quite likely this particular scam.

Alternatively, if you sell items through an online marketplace, do not accept payments or deposits upfront. Agree to meet with the buyer for a viewing of the item you are selling before you accept any payment.

You can learn more about securing your accounts online by visiting Get Cyber Safe and the Canadian Anti-Fraud Centre.

How to Enable Autodeposit

You can enable Autodeposit through the NLCU Mobile App or MemberDirect® Online Banking:

• To enable Autodeposit using the NLCU Mobile App: Login to the App on your mobile device, go to "Settings," select "Interac e-Transfer" and then "Autodeposit." Follow the steps to complete the setup..
• To enable Autodeposit using MemberDirect® Online Banking: Login to online banking, go to "Transfers" and select "Autodeposit." Follow the steps to complete the setup.

---

Logging into banking for the first time

• Log in: Log in to online banking and the app with your NEW Member ID and existing Personal Access Code (PAC/password).
  • Please attempt to log in no more than twice. A third unsuccessful attempt will result in a 24-hour lock out. Please contact your branch for assistance if necessary.
• Look up your new Member ID on the letter we sent you in the mail or use this tool to lookup your new Member ID.
  • The lookup tool requires the use of the email address on your account and only works for personal accounts, not for business accounts.
• 2-Step Verification: Re-enable your 2-Step Verification settings as prompted to either your mobile phone number or email address.
• Save Login Profile: Save your online login profile by selecting “Remember Me.”
  • If you already had a saved login profile you may need to remove the old profile first by choosing “Manage Login Profiles” and then “Delete.” On the mobile app, you may need to delete and re-install the app to reset this feature.
• Accept the update to the mobile app, if prompted.

Logging into business banking for the first time

• Complete all steps noted above, plus:
• Small Business Setup: Accept the upgrade to Small Business Banking and the Direct Services Agreement.
• Delegates: Set up your Delegate Profiles in the Delegate Manager.
• Account Consolidation: Consolidate your accounts in the Account Consolidation Manager.