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Home Banking User Name and Password Reset Implementation

Effective 1/20/2010 for all new and existing Home Banking users

Developing Feature Notice - Since this feature is still being developed and/or implemented, information provided on this page is considered "as is" and for informational and general overview purposes only. Any screen shots, prompts, field names, or other information is subject to change.

In continued effort to keep our members' financial information secured, we will be implementing a security enhancement on January 20, 2010. This enhancement will change all member logins from Account Number to a user selected identification and add the ability to self-reset the password for Home Banking.

User ID

The first time you access Home Banking on/after 1/20/2010, you will be prompted to set up a User ID. This User ID will become your login, replacing your account number. This User ID can be any unique combination of alphabetic and numeric characters. The User ID must be at least 6 characters long, with a maximum of 15 characters.

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To set up a User ID, enter your account number, current password, and the User ID you would like to use.

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Once the User ID has been created, you will receive the following confirmation screen. You will then need to log in using your new User ID.

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Multi-Factor Authentication (MFA)

Multi-Factor Authentication is already built in to Home Banking to stop unauthorized access to the system. Even though you have already set up your MFA security questions, as a result of this enhancement, you will be required to set them up again.

You will be prompted to set these questions up again, because the system tracks system access based on the login ID. Since this enhancement changes your login ID, you will be prompted to set up the questions again.

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Password Reset

A "Forgot Your Password" link will be added to the login page - this link will be used to reset your password. When used, you will be prompted to answer a security question (separate from MFA). If the question is answered correctly, you will receive a temporary password via e-mail.

This new Password Reset functionality will provide you with the ability to reset your Home Banking password without contacting the credit union. In order to use the Password Reset, you must complete an enrollment process. You will be prompted to set this feature up after setting up your User ID.

To activate, you will need to complete the set up process, by filling in the form that appears. Please note that the e-mail address for password resets is stored separately from your e-mail address used for eStatements and eAlerts, but can be the same address.

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You will then receive a confirmation of the information you filled in. Click continue to submit and activate this feature

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Once submitted, you will get a confirmation that it has been successfully activated. You will also receive a confirmation e-mail to the address used.

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To help prevent unauthorized password resets - the Password Reset can not be used for 24 hours after the last time it was used or your password was reset by the CU, or for 24 hours after you have changed your e-mail address. Additionally, if the Password Reset security question is answered incorrectly 3 times or more, your account will be "frozen" and only the CU can reset it.

If you choose to "Opt Out" of this feature (more info below), you will be able to enroll in this feature anytime from within the Home Banking system.

Password Reset Opt Out

Password Reset is an optional feature - setup and use of it are not required. If you choose not to set this feature up, simply choose No when prompted.

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If you choose not to use the Password Reset, you can activate it anytime from within Home Banking, should you decide to.

To activate the Password Reset feature, you will need to log in to Home Banking, then navigate to "Change Login Profile" in the "Other Options" menu. You will then select "Yes, I want to use the online password reset" and setup the security question and e-mail address.

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Last Updated: 12/28/2009


Mission Statement
The mission of United Bay Community Credit Union is to be our members' primary financial
institution, providing them with quality, confidential, professional and personal service, while
maintaining a sound and stable credit union.

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