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    Online Policies




    Periodically, we will introduce new MemberDirect® online banking features to create additional value for our members (such as Interac e-Transfer and mobile functionality). When this occurs, an updated Direct Services Agreement must be accepted prior to logging in to online banking.


    Click below to view your updated Direct Services Agreement:

    MemberDirect® Services Agreement (personal)
    ​MemberDirect® Services Agreement (business)

    Copyright and Trade-marks® ACCULINK, FAT CAT, CU CREDIT, HEADSTART, MEMBERDIRECT and MEMBERLINK are registered trade-marks, MEMBER CARD and MEMBER CARD & Design are registered certification marks owned by Credit Union Central of Canada, used under license.

    Market Code of Conduct

    Market Code of Conduct

    ​Accessibility Statement

    We are committed to ensuring our online services are accessible to all users. The information below suggests how to obtain the best user experience on our website and explains what we have done to make the website accessible.

    Adjust your computer's settings for a better experience

    You can improve your online experience by customizing your computer's settings to meet your individual needs. For example, you can increase the size of all fonts or change the colour scheme.

    Keep your browser updated

    We recommend you keep your browsers up-to-date. Newer browsers tend to provide more display options to make content accessible, and may work better with assistive technologies. For more information on which browsers we support, visit the Browser Requirements page.

    How we have made our website accessible

    We have created our website in accordance with the World Wide Web Consortium's (W3C) Web Content Accessibility Guidelines (WCAG) 2.0. These guidelines assist website developers by describing best practices for creating websites that are accessible to all users.

    Some of the ways we achieve online accessibility include:

    • Building webpages in a way that allows you to disable the CSS (Cascading Style Sheets) on your browsers or modify the text size using browser controls if the colours or fonts make content difficult to read.
    • Providing a 'skip to content' link at the top of all pages, allowing you to quickly access the body content on each page while avoiding headers and navigation.
    • Creating webpages that allow visually impaired users to navigate the site effectively with a screen reading aid. For example, images have text-based descriptions, title attributes tell users where a link will take them if they click on it, and structured headings provide an overview of the site that lets users jump quickly to desired sections.

    Contact us if you have trouble using our website

    If you experience difficulties in accessing any content or functionality on our website, please CONTACT US. We are always open to making improvements to provide the best possible online experience for our users.

    ​Browser Requirements

    Supported Browsers

    To maximize your Internet banking experience and for your Internet security, we recommend using the latest supported browsers. Please note that we do not support Beta or test versions of browsers.

    Microsoft Internet Explorer: Download the latest version of Internet Explorer.

    Firefox: Download the latest version of Firefox.

    Safari: Download the latest version of Safari.

    Google Chrome: Download the latest version of Google Chrome.

    Please note that in downloading the supported required browser version, you acknowledge that these are third party sites and we cannot take any responsibility for the consequences of your downloading these browsers.

    Biometric Login

    Internet Explorer is the only browser that supports our current biometric login. Biometric login is required to access some Business Online Banking functionality.

    Supported Standards

    For our technically inclined users, the particular specifications that we support are XHTML 1.0 Transitional, CSS 1.0 and 2.0, DOM Level 1 and 2, and ECMA Script (JavaScript). The site will work using all the browsers that correctly implement these specifications.

    128-Bit Secure Sockets Layer (SSL) Encryption

    To access our services, your browser must also support 128-bit Secure Sockets Layer (SSL) encryption. All the browsers we support meet this requirement. If yours doesn't, please download the appropriate encryption support from your browser's supplier.


    To use our online banking services, you must enable your browser to accept cookies. Detailed information on our use of cookies is available in our Privacy Statement. For more information on enabling and disabling cookies, please refer to your browser's Help section or documentation.


    To use our online banking services, you must change your browser and/or device settings to enable JavaScript. For more information on enabling JavaScript, please refer to your browser's Help section or documentation.

    Hardware Configurations

    We have no minimum hardware requirements; however, certain minimum requirements may be specified by the browser you are using.

    ​Debit Card PIN Agreement


    Statement of Commitment: Code of Conduct for the Credit and Debit Card Industry in Canada

    Code of Conduct for Credit and Debit Cards

    Ganaraska Credit Union Ltd. is stating our commitment to the Code of Conduct for the Credit and Debit Card Industry in Canada.  The Code was designed to protect credit union members’ interests related to the issuance and acceptance of payment cards, and to the operation of payment card networks.