A PAC (Personal Access Code) or Passcode is the password you use to access your online and mobile banking.

Strong PAC is an enhanced password system that allows members to create stronger, more secure passwords for online banking.

Instead of using only numbers, members can create passwords using a combination of:

• letters
• numbers
• special characters

This helps better protect your accounts and personal information.

We understand this may be confusing, but there's no need to worry. This is an expected prompt and indicates that the system is requiring you to create a new Strong PAC password.

The same message will also appear for new members who are signing in for the first time and need to replace their temporary password with a new one.

If you continue to see this message after updating your password, please reach out to the Contact Center for assistance.

Protecting our members’ financial information is one of our highest priorities.

Strong PAC is an added security enhancement designed to help strengthen online banking protection and provide greater peace of mind.

Yes.

LDCU continuously monitors and protects member accounts using multiple layers of security.

Strong PAC is simply an additional enhancement that helps make online banking even more secure.

Strong PAC will be required beginning July 6.

Members will be prompted to update their PAC after implementation.

Once you have setup your new Strong PAC, you will be able to use our exciting new PAC Reset feature!

Go to the login screen, click the Forgot Password? link and follow the prompts to reset your PAC.

If you're experiencing issues with consolidated accounts, you'll need to update the password for each individual account first.

Once all account passwords have been updated, sign back in to your main account. Then, under Business Services > Manage Consolidated Accounts, select Update PAC and enter the new password for each linked account.

After you've updated the passwords for all linked accounts, they should reappear on the main account page.

If so, the signer must first log in, reactivate the delegate's account, and issue a new temporary password before the delegate can access the account.

Your Strong PAC must:

• contain 12–30 characters
• include at least:
• one uppercase letter
• one lowercase letter
• one number
• one special character

Examples of special characters may include: ! @ # $ ? -

A strong password should:

• be unique
• avoid personal information
• avoid common words or number patterns
• include a mix of:
• uppercase letters
• lowercase letters
• numbers
• special characters

Example:

• Weak: Ladysmith123
• Stronger: Sail!Wave2025

No.

Using unique passwords for online banking helps better protect your financial information if another website or service experiences a security breach.

For security reasons, it is recommended that members create a new and unique PAC rather than reusing previous passwords.

Step 1

Log in to online banking or the mobile app.

Step 2

Follow the on-screen prompts to create your new Strong PAC.

Step 3

Create a PAC that meets the new security requirements.

Step 4

Confirm your new PAC.

Step 5

Use your new Strong PAC the next time you log in.

Members may be prompted to update their PAC when logging in after July 6.

The login process will remain familiar, but your PAC will now support stronger password requirements for added protection.

Please ensure:

• your PAC meets all password requirements
• Caps Lock is turned off
• you are entering your PAC exactly as created
• your browser or app is fully updated

If you continue experiencing issues, please contact LDCU for assistance.

Your PAC may not meet the required security criteria.

Please ensure your PAC includes:

• uppercase letters
• lowercase letters
• numbers
• special characters
• the required number of characters

Avoid using:

• common passwords
• personal information
• previously used passwords

Try:

• clearing your browser cache
• closing and reopening or re-installing the app
• restarting your browser or device

If the issue persists, contact LDCU for support.

Yes.

Strong PAC will work with both online banking and the LDCU mobile banking app.

Members should ensure they are using the latest version of the mobile banking app for the best experience.

After updating your PAC, you may need to:

• log out of the mobile app
• close and reopen the app
• sign in again using your new Strong PAC

Yes.

If enabled on your device, fingerprint or facial recognition login features should continue to work after your PAC has been updated. If you encounter an issue, go to Settings > Biometric Setup, and toggle the setting off and on again to re-set it up with your new Strong PAC.

For the best online banking experience, we recommend using the latest version of:

• Google Chrome
• Microsoft Edge
• Safari
• Mozilla Firefox

Older browsers may not fully support updated online banking security features. Please ensure:

• your browser is up to date
• cookies are enabled
• JavaScript is enabled

If you experience issues after updating your PAC, clearing your browser cache and cookies may help resolve the problem.

No.

LDCU will never contact you asking for:

• your PAC
• passwords
• verification codes
• full login credentials

Be cautious of messages that:

• create urgency or panic
• ask for confidential information
• contain suspicious links or attachments
• claim your account will be suspended immediately

If something feels suspicious, contact LDCU directly.

Do not click links or provide personal information. Instead:

• delete the message
• report suspicious activity to LDCU
• contact us directly if you are unsure

Strong PAC is one of several security measures designed to help better protect member accounts and personal information.

Members should also:

• Strong PAC is one of several security measures designed to help better protect member accounts and personal information. Members should also:
• avoid sharing login credentials
• monitor account activity regularly

Consider using:

• a memorable phrase
• unrelated words
• numbers
• symbols

Example:

Blue!Harbour27Coffee

Choose passwords that:

• are unique
• are difficult to guess
• are not reused across websites
• avoid personal information like birthdays or names

Avoid storing passwords in easily accessible places.

Consider using a trusted password manager to securely store login information.

It is a good practice to update passwords periodically, especially if you suspect your login information may have been compromised.

If you forget your PAC, you can use the password reset tools available through online banking or contact LDCU for assistance.

Our team is happy to help.

If you have questions or need assistance updating your PAC, please contact your local branch or Member Services team.