Self Serve PAC Reset

Self Serve PAC Reset

The MemberDirect ® Self-Serve Login Feature for Reset PAC & Challenge Questions provides an effective way for self-service functionality of online banking allowing members to reset their Personal Access Code (PAC) and also reset challenge questions without having to contact their local branch during business hours.


TransUnion Authentication tool allows Mountain View Financial to verify your identity by asking you questions about your credit report, which supports the MemberDirect ® Self-Serve Login Features. Before sending personal data to the credit bureau to retrieve the questions, MemberDirect® Services ensures that the personal information provided matches the information stored on the banking system at Mountain View Financial.

Note: If you have no credit bureau information on file at TransUnion, you will be unable to use the MemberDirect® Self-Serve Login features, as TransUnion cannot authenticate you.


  • Not supported for Small Business users
  • Not supported for e-agreements owned by organizations


To reset a lost or forgotten PAC, you will go to the login page.

You will then click Forgot your PAC? and would be presented with the Reset Personal Access Code (PAC) page.

When you click on Continue, your identity will then be verified by providing your personal information, such as:

  • Your given and last name
  • Your address
  • Your date of birth
  • Your phone number
After your identity has been verified a page will appear prompting you to enter your new PAC, confirm the new PAC, and then click Continue.

If you click Cancel, you will be taken back to the Login page.

If you successfully change your PAC, you will see “Your Personal Access Code (PAC) has been reset.” and be logged on to the system.


If you have forgotten the answer to the security question, you will need to click the Forgot your answer(s)? link

When you click the Forgot your answer(s)? link, you will see the Change Security Questions page which will inform you that you must undergo the verification process by providing your personal information, such as:

  • Your given and last name
  • Your address
  • Your date of birth
  • Your phone number 

You will then click continue to be verified.

Next, you will add answers to the selected (checked) questions or select new security questions by clicking the box to the left of the questions.  Then click Continue. The confirmation page is then displayed.

You can keep or change the questions previously selected.

You are allowed three (3) attempts in a 24-hour period (midnight to midnight) to answer a verification question, regardless of whether you pass or fail. After three failed attempts, the member will receive a message to contact the credit union. The credit union can then reset the access required.


If you encounter any challenges or error codes while trying to reset your Personal Access Code (PAC) or change your challenge questions, please give us a call at 1.844.648.6466.