Online Banking FAQs

MemberDirect® online banking gives you the freedom to bank whenever and where ever you choose — 24 hours a day, 7 days a week.

You can login from any page of the website using the orange "Login to online banking" button the right side of your screen. A new feature of MemberDirect® online banking, you can navigate throughout the website while staying logged in. Some of the features include:

  • View account information and receive updated balances
  • Pay bills and set up future-dated bill payments
  • Add or remove bills — hundreds of vendors available
  • Transfer funds between accounts; within a membership or to another member's account
  • Download statement information to 3rd party software such as Intuit's Quicken, Money or Quickbooks
  • Download e-Statements and e-Documents
  • Order cheques
  • Receive alerts by email or text message
  • Send or receive Interac e-Transfers®

Online Banking Overview

Why did HMECU upgrade the Online Banking technology? Expand/Collapse

The decision to undergo this upgrade was to ensure we are providing you with an even more secure way to do your everyday banking and minimize online banking fraud.

Did my alias and/or personal access code change for my online banking when online banking was upgraded? Expand/Collapse

No, your alias and password (personal access code (PAC)) did not change.

However, if your alias is shorter than 4 characters (letters, numbers, or letters and numbers), you will need to contact us at 905-575-8888 during normal business hours to change your alias to be a minimum of 4 characters.

If you would like to change your PAC, you can do so on your online banking. On the left menu, select "Profile and Preferences" then "Change Personal Access Code".


Will I need to re-set up my eTransfer sender profile or my list of recipients? Expand/Collapse

Yes, both your sender profile and your list of recipients will need to be re-set up.

How is the new online banking different from the existing online banking? Expand/Collapse

With Online Banking, you can login from any page on our site and pay bills, transfer funds, manage your account balances, or just watch how your savings have grown! If you haven’t already, sign up today with one of our friendly, knowledgeable staff.

Will HMECU have an Apple or Android app for online banking? Expand/Collapse

HMECU will be launching an app for Android and Apple approximately 6-8 weeks after we go live on the new website and online banking. The estimated live date is December 2015.

When I’m logged into online banking, why does the name at the top right only show my husband/wife/joint account holder, not my name? Expand/Collapse

The alias is likely attached to the primary account holder. You are encouraged to get your own alias so you can see all accounts owned by you. Rest assured nothing has changed with your account; but if you have any questions or concerns, please don’t hesitate to contact us.

Using Online Banking

Why is there a 00001 after all of my accounts? Expand/Collapse


That is the contract number associated with that subaccount. If you have registered products on your account, you may see a contract number other than 00001.

Can I order cheques using online banking? Expand/Collapse

Yes. Once you have logged into online banking, you will need to select "Account Services" on the left, then select "Order Cheques", and fill in all necessary fields before submitting your request.

Why can I delete/modify some of my scheduled transfer, but not others? Expand/Collapse

Some scheduled transfers are set up by the Credit Union and may not be modified; loan payments are an example. If you think that you should be able to modify/delete a scheduled transfer, please contact your HMECU branch.

Can I view my account history by selecting a date range? Expand/Collapse

Yes, on your account activity select “Date Range” and input the dates in which you would like to see transactions then click search.

You can also view account activity by most recent transactions, by month, as well as advanced options such as “deposits only” or “cheques only”.

Can I view cheques that I have written that have already cleared my account? Expand/Collapse

Yes. Login to your online banking account, click on your chequing account to view your account activity, and select the cheque image you want to view by clicking on the underlined word Cheque. This will open a new window with the cheque image which can be saved or printed.

You can also click on “View e-Statement” which includes an image of each cheque. You may also save or print your monthly e-statement.

Can I set up reoccurring scheduled bill payments using online banking? Expand/Collapse

Yes, login to your online banking account, on the left menu, select “Payments” then “Schedule Recurring Payments”. Input all of the necessary information and click schedule, then confirm.

Click “View/Modify Scheduled Payments” if you wish to make a change or delete a current scheduled payment.

Can I delete/modify my scheduled bill payments? Expand/Collapse

You cannot edit your scheduled bill payments. If you need to change a scheduled bill payment, you must first delete it and then set up a new scheduled bill payment.

Can I view my tax slips via online banking? Expand/Collapse

Yes, login to your online banking account. On the left menu, select “View e-Documents” to download your selected tax document to save or print.

If I have a business, can I set up my corporate tax payments? Expand/Collapse

This feature is coming soon to HMECU’s online banking. Stay tuned! We should have this up and running in November 2015.

Can I rename my accounts so the names are more meaningful to me? Expand/Collapse

Yes, login to your online banking account. On the left menu, select “Rename Accounts”, choose account from the drop down menu, and input the new account name and click continue.  This is for your reference only.

Online Banking Security

What are the new security features in Online Banking and how do I use them? Expand/Collapse

Increased Authentication provides an additional layer of security to the login process. This feature requires you to select an image and enter a security phrase, as well as select three security questions. Each time you log onto a new computer, you will be prompted to answer one of the security questions to verify your identity. When you log into online banking from a new computer for the first time, you will be prompted to answer one of your three security questions, verify your image and phrase, and enter your personal access code (PAC)/password.

*** Please note that as of December 5th, 2015, Online Banking will no longer display the image feature. ***

When do I need to set up the security features? Expand/Collapse

You will have until December 5th to set up Increased Authentication, but you are encouraged to set up your security questions and images as soon as possible.

For step-by-step instructions, please CLICK HERE to view a PDF.

*** Please note that as of December 5th, 2015, Online Banking will no longer display the image feature. ***

What if I don't see my image? Expand/Collapse

Do not enter your personal access code (PAC) (or password) if the wrong image is shown as this could indicate a security issue. Contact your HMECU branch as soon as possible if this happens.

*** Please note that as of December 5th, 2015, Online Banking will no longer display the image feature. ***

What are alerts? Expand/Collapse

Alerts are a new security feature of Online Banking. Once you have configured at least one of the available alerts. You can choose to receive either an email, text message, or both, when the configured alert activity has occurred on your account.

There are 5 security alerts you may set up on your account and if you configure them, you will receive an alert:

  • Online Banking Login: when your online banking account has been logged into
  • Online Banking Locked Out: if your account has been locked out due to login credential error
  • Personal Access Code (PAC) or password Changed: when your PAC has been changed
  • New Payee Added: when a new bill payee has been added to your account
  • Interac e-Transfer recipient added: when a new e-Transfer recipient has been added to your account

What if the last logged in date is not right? Expand/Collapse

If the account is a joint account, ensure that the joint person has not logged in using your alias and personal access code (PAC) (or password). If you have confirmed that the last logged in date is not correct, this could indicate a security issue. Contact your HMECU branch as soon as possible if this happens.
For a list of our Website FAQ's, CLICK HERE.