Unique User IDs

A more secure way to access mobile and online banking.

To ensure your accounts are as safe as possible, we’re making a change to how you access mobile and online banking. Instead of using your member number to log in, you’ll now sign in with a unique user ID.

If you haven’t already created your user ID, we urge you to so as soon as possible, since this will soon be required for all members.


You’re just a few steps away.

In mobile banking:

  1. Click the Add/Edit User ID tile on the home screen.
  2. Complete the verification step.
  3. Enter and re-enter your new user ID.

In online banking:

  1. After logging in, you'll be prompted to change your user ID.
  2. Enter and re-enter your new user ID.

Once you’ve successfully created your user ID, you’ll see a “Success!” screen and receive a confirmation email. You’ll need to enter your user ID the next time you sign in, but from then on, you’ll be able to log in as you normally would.


  • Begin with a letter.
  • Include at least 1 number.
  • Contain 6-15 characters (no symbols or special characters, please.) Note: User IDs are not case-sensitive.
  • Be unique (no two memberships can have the same user ID).
  • Not include personal data, such as your Social Security number, mailing address, or birth date.

Frequently Asked Questions

Will my user ID be used to access both online and mobile banking?

Yes! Your user ID will work for both mobile and online banking. But make sure to keep track of your member number for account verification and other uses.

Can I change my user ID in the future?


In mobile banking: Select the “Add/Edit User ID” tile from the home screen.

In online banking: Click the "My Profile" icon in the upper-right corner, then select "Change User ID."

What if I forget my user ID?

Simply click "Forgot User ID" on the online banking login screen (or “Forgot Username” in the mobile app). You'll be asked to verify your account, after which your user ID will be sent to the email address associated with the primary account holder.

Do I need to create a user ID for each of my memberships?

If you have multiple memberships, a unique user ID will need to be created for each one.

Find more answers in our complete FAQs