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2-Step Verification

Starting Jan 10,2022, we will be introducing 2-Step Verification, a new layer of security to the way you log-in to online banking.



  • 2-Step Verification

What is 2-Step Verification?

2-Step Verification adds an extra layer of security to protect you and your account in case your password is ever stolen. In addition to entering your password, a one-time use verification code will be sent by SMS text message or email to the registered mobile phone number or email address associated with your online banking account. The code must be entered and submitted for confirmation to access your account online. This new feature will replace the security questions you have been accustomed to answering and will not be required at every log-in.

What do you need to do?

  • Log-in to your online banking account
  • Complete the Enable 2-Step Verification enrollment screen
  • Enter your preferred email address or mobile phone number to receive your verification code
  • Enter the verification code sent to you by SMS or email

This initial enrollment process ensures that a valid email address or mobile phone number has been provided by you and has been successfully tested to receive notifications.

At any point after your initial enrollment, you can edit your mobile phone number or email address used to receive the 2-Step Verification code.

Why are we introducing 2-Step Verification?

We are committed to providing you with a safe and protected online banking experience. 2-Step Verification is a great way to reduce fraud risks and further secure all your user accounts.

What is Self-Serve PAC reset?

Self-Serve Reset PAC allows to reset Member’s Personal Access Codes (PAC) whenever they need to, at the time they need to – without having to visit the branch

What KCU members need to do?

  • Log-in to your online banking account
  • Complete the Enable 2-Step Verification enrollment screen
  • Click on ‘Forgot PAC’ link on login screen
  • Enter your member number along with SIN or Date of Birth information
  • Enter the verification code sent to you by SMS or email to reset PAC

Frequently Asked Questions

Can I register for 2-Step Verification via both SMS and email?

Yes. During their initial enrollment, you can register only one of either a mobile phone number or an email address to receive 2-Step Verification notifications. After enrollment you can update your contact information from the Profiles and Preferences screen options, to add the second notification channel.

Will duplicate verification code notifications be sent both by SMS and email if I have both an email address and a mobile phone number registered under 2-Step Verification?

No. During each authentication where you have multiple notification channels registered, you will be presented with a Select Verification Method screen and must select which channel (SMS or email) you wish to be notified through.

Is there an option for me to designate a device as a “trusted” device, exempting logins from that device from 2-Step Verification?

No. Any login assessed as high-risk will be subject to 2-Step Verification authentications, regardless of the device being used to log in from.

How long before a verification code notification expires and is no longer valid?

The verification code is valid for 10 minutes from the time it is generated. If you enter and submit after that time, you will receive an error message.

If member is not enrolled for 2-Step Verification, what will happen if they select the “Forgot Password?” link?

The customer receives an error message on the Please Verify Yourself screen when they select Continue to submit their personal information

What happens if I get locked out of my Khalsa Credit Union's online account?

Please call us at 604-507-6400 or on our Toll-Free Number 1-800-324-6747 during the business hours. The branch staff would verify your identity and help you reset your password.

Extended hours at select branches to help you

Mon-Fri 10:00 AM- 8:00 PM   •  Saturday 10:00 AM- 5:00   •  Sunday 12:00 PM- 4:00 PM