If you have access to a personal computer connected to the internet, either at home, at work, or anywhere in the world, you can access the facilities and convenience of Summerland Credit Union's PCaccess.

PCaccess provides a high security internet banking facility via a password of your choice, 24 hours a day, 7 days a week which provides account balances, account and service information, BPay and funds transfer within the Credit Union or to other financial institutions and all from the convenience of your computer.

To access the PCaccess Internet Banking system, you will need:

• PC Computer or Apple Mac
• 56kps Modem or Broadband Access
• An Active Internet Account
• An up-to-date Web browser that supports JavaScript and 128bit Encryption

Internet Browser Support

PCaccess has been designed to function correctly on three of the most common browsers available today.

Browsers Supported		Un-Supported but works
Internet Explorer Firefox Netscape Navigator		Opera Apple Safari

The old Business Banking module is now integrated seamlessly into PCaccess and no longer requires an installed component, allowing you to create and work with batches on all platforms.

Security Features

The Internet Banking System takes full advantage of the security provided by your Web browser and our Web server. Your transactions are encrypted and authenticated as they travel over the Internet. Anyone trying to listen in on your communications will not be able to decipher them nor pretend that they are you.

Your Internet Explorer browser displays a locked padlock in the lower status bar of its window (similar to the image on the right) when you are browsing a Web site that is secure. The padlock is not visible when the session is not secure.

Some of the more powerfull security features found in PCaccess include:

• Two Factor Authentication
• Password anonymity
• Member chosen passwords - 6 to 16 characters in length
• Lockout after three failed login attempts
• Password are encrypted
• Browser login page encryption
• Information unable to be cached
• Information refreshed whenever called
• Prompts to re-login if no user input for 10 minutes
• SSL and SGC encryption of data (128 bit)
• System lockout if browser does not support encryption
• Host system security
• Account status check and lock out from host if invalid
• User logout and automatic logout after errors
• Audit trail logs automatically generated

Your information contained on the credit union system is protected from the Internet by firewalls and secure servers. Only valid user messages are allowed to pass through the firewall and access the credit union system via the secure servers. The user activities allowed via the Internet are strictly defined and controlled by the secure servers in place.

In addition, your Internet Banking System account is protected by a user id and access code. No one can use your account without knowing both of these.

After completing the verification process, the Internet Banking System allows you to continue with your transaction safely and securely using the convenience of your Web browser.

For details on how to protect youself from internet fraud, see the section on Safeguarding Your Account.