Our commitment to your safety

Protecting your money and your information is our highest priority. We are committed to protecting your financial information and have extensive security features in place to ensure banking online is safe and private.  Here you can read about how we can work together to protect your information so you can feel safe and secure when transacting online. 

  • Our online banking platform is provided by our credit union partner, Central 1 Credit Union. Central 1 follows ISO 27001, an international standard for Information Security Management Systems (ISMS).
  • Our firewalls prevent unauthorized access to our internal systems. Data coming to us from your computer via the internet goes through a series of safety checkpoints so that only authorized messages and transactions enter our computer systems.
  • Your accounts can only be accessed by providing the correct login User ID and Password/Personal Access Code (PAC), which only you know.
  • Online banking sessions that time-out automatically if there has been no account activity for 15 minutes. If the system detects that you have been inactive for 15 minutes or more, you will be required to sign in again.

While we take strong measures to protect your information, we also recommend that you take these important safeguards to keep your information safe.

How you can protect yourself

It’s important to keep your web browser up-to date as it will host the latest security features to protect you when you’re online.

Online Banking and the Internet

  • To ensure a safe and secure banking session, ensure your operating system, web browser and applications have the most current update and only visit reputable sites. If you visit a website that displays advertsing pop ups for instance, we recommend you close your browser and restart it before proceeding to CCCU Online Banking.
  • Install and use a quality anti-virus program and ensure it is upgraded regularly.
  • Do not use automatic password-save features in the browsers and software you use to access Online Banking.
  • Whenever possible, avoid using public computers that have been setup for shared public purposes, such as internet cafes, libraries and even hotels when accessing Online Banking. Although using a supported browser will help with security, public computers accessed by hackers can be made to store keystrokes and record personal information without your knowledge.
  • Use a cellular network instead of public Wi-Fi to do online banking.
  • Never leave your PC unattended while using our Crosstown Civic Credit Union Services. Always exit Online Banking using the logout button, and close your browser if you step away from your computer. Your internet browser software may retain information you entered in the login screen and elsewhere until you exit the browser.
  • Secure or erase files stored on your PC by clearing your cache in your Internet browser regularly. Most Internet browsers store information in non-protected (unencrypted) files in the browser’s cache to improve performance. The files remain until they are erased by clearing your cache.
  • Every time you use Online Banking, you will need to enter your username and Password/PAC, which ensures only you can log into your accounts. Your User ID and password/PAC are your keys to safe and secure banking.

Here are some best practices to follow:

  • Do not share your Password/PAC with anyone.
  • Never automatically save your password/PAC to your internet browser.
  • Choose a Password/PAC that is easy for you to remember but difficult for other to guess.
  • Do not keep your Password/PAC in obvious places such as sticky notes around your monitor or under your keyboard.
  • Use a mix of numbers, symbols, upper and lower case letters for your password.
  • Never disclose your Password/PAC in a voicemail, email or in conversation over the phone.
  • Ensure that you change your Password/PAC on a regular basis.

Set up account alerts from within your online banking

Direct Alerts are a great way to automatically warn you of certain changes to your online banking account. As an additional layer of security, Direct Alerts allow you to receive notifications via text message or email which will prompt you to inform us of any suspicious activity so as we can investigate and take immediate action.

  • Navigate to the “Messages and Alerts” area on the left hand side menu of your main page once you have logged in.
  • Click on the “Manage Alerts” subcategory within that area.
  • Choose any of the available alerts from the list that you would like to activate and follow the prompt to set up.

Protect Yourself from Phishing

Phishing or hoax emails and tests are fraudulent communications that appear to be sent from Crosstown Civic Credit Union or other legitimate businesses and companies. These emails or texts try to trick you into providing personal information, such as your member number, online or telephone banking passwords, card details, birth date, driver’s licesnce or passport number or any other personal information that might be used to identify you. 

Emails can also be from unknown senders and contain links or attachments that download and install malware onto your computer.

How can you protect yourself from phishing scams? 

  1. Recognize that Crosstown Civic Credit Union, will never ask you for confidential information by way of unsolicited phone calls or email. So if you receive communication regarding your account via one of these channels, be immediately suspicious. 
  2. Be alert. Phishing e-mails are designed to look legitimate. Often they include an organization’s logo and mimic the organization’s branding. But look closer. Hold your mouse over any hyperlinks in the document and watch which address comes up in your browser’s status bar. Chances are it’s not the organization’s legitimate website. Spelling mistakes and grammar errors are another dead giveaway. 
  3. Do your research. Visit for news and alerts about current scams. If you don’t find anything listed, don’t be afraid to call the organization directly and ask. 

If you receive an e-mail from Crosstown Civic Credit Union that looks suspicious, please contact your branch immediately.

For more information on how you can stay cyber-safe, visit the Government of Canada’s website at​​.

Jascha Boge

Jascha is a P. Eng., and graduated from the University of Manitoba with a B. Sc. degree in Civil Engineering. He is a member of the Association of Professional Engineers and Geoscientists of Manitoba. Jascha’s principal occupation is Secretary-Treasurer of Langreen (2005) Ltd., a construction company that builds commercial and industrial projects in Manitoba and North West Ontario. He serves Crosstown Civic Credit Union as Chair of the Board of Directors and sits on the Executive and Governance, as well as the Loan Committee. Jascha also serves the community at large as a member of the Executive Committee of Rainbow Stage, Winnipeg’s well-known musical theatre company. Jascha and his wife, Hildi enjoy spending family time with their 6 children and 14 grandchildren.

Henry Dyck

Henry an active member on the Crosstown Civic Board of Directors is currently on the Executive, Branching and Loans Committees. He has been deeply involved in the strategic planning and development of new Crosstown Civic branch offices. Henry has had a long service career with the City of Winnipeg as a Senior Manager in the Planning, Property and Development Department as well as a consultant in areas of Legal Land Surveying, Property and Land Development and Real Estate. Henry is a Professional Land Surveyor and has served as president of the Association of Manitoba Land Surveyors. He has served on various community and service organization boards including chair of the Westgate Mennonite Collegiate. Ensuring the continued success for the Crosstown Civic is Henry’s goal.

Catherine Burns

Catherine has served on the Board of Crosstown Civic Credit Union for 5 years. She Chairs the Audit and Risk Committee and actively participates in the Performance Review and Board Evaluation Committee. During the first two years of her term Catherine successfully completed the Credit Union Director Achievement Program and served on the Nominations Committee. She is currently enrolled in the Rotman School of Management, ICD Director’s Education Program.

Catherine is a Chartered Accountant with 30 years of experience in consulting, finance and administrative leadership positions. Her industry experience includes insurance, post-secondary education, telecommunications, health care, retail and publishing in private, public and non-profit organizations.

Catherine holds a Senior Leadership position with Diagnostic Services Manitoba. In her current role, she oversees the financial performance of 77 diagnostic sites throughout Manitoba and serves on the Enterprise Risk Management Committee.

Alan J. Janzen
Vice Chair

Alan is currently "self-deployed" after a career in education which involved teaching at all levels of public school and culminated in 23 years with Manitoba Education's Curriculum Branch as a consultant, assistant director and director. He has also been a long standing credit union board member, having served 12 years as Board Chair (president) of Crosstown Credit Union, and subsequently has been active in every aspect of committee work with Crosstown Civic Credit Union. He is currently Board Vice-Chair and Chair of the Performance Review Committee. Alan holds B.A., B.Ed., and M.Ed. degrees from the University of Manitoba. Alan enjoys spending quality time with his family, is active in his church community, and enjoys choral singing and volunteering with The MCC.

Ellie Krahn

Ellie became a member of the credit union in 1971 and joined the Board in 2000. She has served in many capacities including the Personal Committee, President of the Safeway Credit Union Board from 2003 until amalgamation with Civic, as Vice President of Civic Credit Union from the Civic/Safeway amalgamation to the Crosstown Civic amalgamation. With Crosstown Civic she has served on the Executive, Loans, Nominating, and Building Committee's. She has completed the required Credit Union Director Achievement Program as well as many optional training modules.

Randy Schartner

Randy has founded/co-founded four entrepreneurial start-ups over the past 15 years. The most successful one was purchased by, a public, multi-national company. He is currently the President of Priceline Partner Network and oversees its Winnipeg office and manages key accounts for the company, which has seen tremendous growth over the past six years. Randy is also a Real Estate and Development entrepreneur.

Don Enns

Don has been a member of our credit union for more than thirty five years. Don possesses a Master of Business Administration (MBA) degree, a Post Baccalaureate Diploma in Management, and an Honours Certificate in Project Management. Don has also completed extensive course work in organizational behavior, strategic planning, financial management, and ethical decision making. Don is a District Chief with the Winnipeg Fire Department and an instructor for both Dalhousie University and the Justice Institute of British Columbia, facilitating fire service based administrative course delivery to students across Canada while utilizing an online platform.

John Zacharias

John is a Chartered Professional Accountant and has been in private practice since 1978. During those years, he worked with many businesses in manufacturing, construction, retail and service industries assisting them with their accounting, financial and tax planning needs. He also served on various boards including the Society of Management Accountants of Manitoba, Westgate Mennonite Collegiate and treasurer of the North Kildonan Mennonite Church. John and his wife Helen have been members of Crosstown Civic Credit Union for more than forty-five years.

Ingrid Loewen

Ingrid is a Chartered Accountant (1986) with a Bachelor of Commerce, Honours Degree (1983) from the University of Manitoba. For 25 years she worked for one of Manitoba’s largest crown corporations in leadership positions including the Chief Audit Executive and Chief Financial and Strategy Officer with a wide range of responsibilities including governance, strategy, finance, internal audit, privacy, social responsibility, and communications. Ingrid has extensive experience with board governance as an executive responsible for board processes and a board/committee member for various professional associations, not-for-profit organizations and Church Council.

Mona Forsen

Chief Executive Officer

Prior to joining Crosstown Civic, Mona held executive leadership roles within the Manitoba credit union system, and a variety of management roles with a major Canadian bank. She holds a Master of Business Administration and Bachelor of Commerce (Honours) degree from the University of Manitoba. As Chief Executive Officer, Mona believes that Crosstown Civic is all about helping our members achieve their financial goals and that this is only accomplished by caring about and investing in CCCU employees, members and the local communities we serve. Mona and her husband Ward enjoy traveling and participating in many sporting activities.

Bernice McClintock

Chief Operating Officer

Bernice has worked within the credit union system in various leadership roles for over 20 years. She is passionate about optimizing our members’ experiences within our credit union. She holds her Certificate in Management (Honours) and a Professional Management designation, and has been recognized as a leader in her field. Bernice is actively involved in the community, and has served on the board of The Elizabeth Fry Society, Community Credit Counselling, and The Manitoba Marathon. Bernice volunteers for Manitoba Cancer Care, Siloam Mission and Canadian Blood Services. Bernice and her husband Phil are actively involved in the many outdoor sporting events Winnipeg has to offer.

Brent Berzuk
Chief Risk & Compliance Officer

Brent has been employed in the financial services field his entire career, initially in various branch banking roles with major Canadian Chartered Banks, and more recently for almost a decade in the Manitoba Credit Union system in areas of specialized project work and risk management. Brent is a graduate of the University of Manitoba where he obtained his B. Comm (Hons) degree and is currently pursuing his Canadian Risk Management designation which is awarded through the Global Risk Management Institute. Brent was born and raised in Winnipeg and enjoys raising his two teenage boys with his wife Cindy.

Joël Bosc
Chief Financial Officer

Joël joined Crosstown Civic Credit Union in 2007 as its Chief Financial Officer. Prior to joining the credit union, Joël held various senior accounting and finance roles, including five years as director of finance at a Manitoba caisse populaire. Joël is a CPA,CA, having attained his Chartered Accountant designation while working with Ernst & Young’s Winnipeg office, and also holds a Bachelor of Commerce (Honours) degree from the University of Manitoba.

Neil Enns
Commercial Department Manager

Neil Enns is the Manager of the Crosstown Civic Commercial Department and has been employed by the credit union for over 26 years. He has seen the commercial department grow from about $2,000,000 in size to its current portfolio of over $700,000,000. Neil has a degree from the University of Manitoba, Faculty of Business with a major in Finance. He is married to his wife Patty and they have three wonderful daughters.

Rick Yallits
Chief Information Officer

Rick is the CIO of CCCU. He has been employed by CCCU since 2010 but has been involved with CCCU and their IT since the early 90’s, when there were only four branches. Prior to 2010, Rick spent the previous 17 years working for another company which provided IT services to many CU’s within the province, of which CCCU was one. Rick has a diploma from RRCC in Business Administration as well as a Certificate from RRCC in Computer programming.

Deborah Harri

Deborah’s is a corporate governance professional with over 20 years of experience. She was formerly an executive and member of the leadership team of the Canadian Wheat Board. Deborah also served as Corporate Secretary of the CWB for 10 years, which involved advising and working closely with an elected board. She has formal director training and is an accredited director with an ICD.D designation from the Institute of Corporate Directors (ICD)-Rotman School of Management Directors Education Program.

Deborah is currently chair the board of the Manitoba Lung Association and also serves on the Executive of the Manitoba Chapter of the ICD, on the advisory board of NovaTuri Group and on the Governance Renewal Subcommittee of the Canadian Lung Association.

Deborah holds a Bachelor of Commerce (Honours) degree from the University of Manitoba and has taken numerous corporate governance courses.