Some members may be asked to change their PAC (password) when logging into online banking, on either desktop or the mobile application. In these cases, members are unable to proceed further into online banking unless they change their PAC.
Please note that our security settings require that PACs are changed after a certain period of time. This is an intentional security feature of the new banking system.
When we switched to our new banking system, one of the many positive new features was the strong PAC or password. Strong PACs require a mix of numbers, special characters, upper and lowercase letters for your password, making them secure and difficult to guess.
The best way to protect your information is to have a strong, hard-to-guess password. Here are some other best practices for online banking passwords:
As a reminder, Crosstown Civic Credit Union would never call, email or text to ask members for their PAC or password.
Visit our Security page for more tips on keeping your finances secure and protected.
MemberDirect Small Business Users with Delegates and Consolidated Accounts
Organizations with MemberDirect Small Business e-agreements that have delegates or consolidated accounts will require some additional steps after the signers have changed their PAC.
DELEGATES
When the Strong PAC is expired for the signer who created the Delegate, the status for any Delegates that are available will have a status of Inactive. After the signer, who created the delegate, has logged in and changed their PAC they will need to edit the Delegate status to Active on the full site.
CONSOLIDATED ACCOUNTS
For any organizations with MDSB that currently have consolidated accounts whose Personal Access Codes have expired, on the Account Summary Screen the message "This consolidated account cannot be viewed at this time" will display for each consolidated account. Each consolidated account login will be required to update their strong PAC. After that has been completed they may then be re-added as a consolidated account.
If you have further questions or concerns, please contact Online Support at 204.942.1277 or This email address is being protected from spambots. You need JavaScript enabled to view it..
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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 has had a career with the City of Winnipeg as a senior manager in the Planning, Property and Development Department, as well as consulting in areas of Legal Land Surveying, Property 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 boards including Chair of the Westgate Mennonite Collegiate Board of Directors.
Henry has and continues to be involved in a variety of community organizations and/or projects that include Charleswood Mennonite Church, Westgate Mennonite Collegiate, Canadian Mennonite University, Mennonite Central Committee (MCC) and Community Housing developments. Major property development and building projects were undertaken during his leadership. Henry’s experience, knowledge and dedication in this area has been an asset to the Board and in the strategic planning and the establishment of the St. Anne’s Road, Pembina Highway, Portage Avenue (St. James) and the McPhillips Street branches. Crosstown Civic CU now has nine branches to better serve its members throughout the City.
Henry is a long time Crosstown Civic member, an active Board member and has been on the Executive, Nominating, Branching, Building (Chair) and Loans Committees. Henry has the vision, experience, energy, time and motivation needed to help continue leading Crosstown Civic to move forward into the future and stay strong. Henry and his wife Elsie have two married children and six grandchildren. Henry and his wife enjoy spending time with family, the Arts, sports, volunteering, travelling and the cottage.
Catherine Burns has served on the Board of Crosstown Civic Credit Union for six years. She Chairs the Audit and Risk Committee and has participated in the Performance Review and Evaluation Committee and Nominations Committee. Catherine has recently completed the Institute of Corporate Directors-Rotman Director Education Program and attained her ICD.D.
Catherine is a Chartered Accountant with over 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 is currently the Interim CFO for Diagnostic Services Manitoba (DSM), a $200 million operation providing laboratory and imaging services at 77 diagnostic sites throughout Manitoba. She has worked for DSM for over seven years in a variety of leadership positions related to financial governance, organizational performance, change management and enterprise risk management.
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 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 has founded/co-founded four entrepreneurial start-ups over the past 15 years. The most successful one was purchased by Priceline.com, 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 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 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 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.
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.
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.
Chief Governance & Risk 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 he also holds his Canadian Risk Management designation (CRM) awarded through the Global Risk Management Institute. Brent was born and raised in Winnipeg and enjoys raising his two boys with his wife Cindy.
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 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 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’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.
Ken Braun is the General Manager of a large home builder in Winnipeg. Previously he spent most of his career in the concrete business, culminating in a General Manager role. In this role he oversaw four production facilities and a large logistics network. He obtained a Bachelor of Commerce (Honours) and a Master of Business Administration from the Asper School of Business at the University of Manitoba. To enhance his formal education, Ken broadened his leadership skills through numerous courses including the Dale Carnegie Leadership Training for Managers as well as a Mannaz Management Program in Malaysia. These training opportunities, along with escalating managerial responsibilities, gave him tools needed to lead an organization. In addition to his professional experience, Ken has served on the board of directors for three not-for-profit organizations, which include two separate roles as committee chair. Serving in his local community has been fulfilling and rewarding. Ken has been a Crosstown Civic Credit Union member since his parents first took him to open an account as a child. This is the only financial institution he has ever used. His 10 and 8 year old daughters recently became members, proudly carrying on the family tradition. When he is not working or volunteering, he enjoys golf, travelling with his family or simply watching Netflix with his wife.
Donovan Toews is an urban planner and principal owner of Landmark Planning & Design, a local land-use planning consulting firm in operation since 1996. He holds a Bachelor of Science in Geography and a Master’s Degree in City Planning. Donovan has served on a number of boards, and has fulfilled roles as Vice President of the Canadian Institute of Planners, President of the Manitoba Professional Planners Institute and Deputy Presiding Member of the Manitoba Surface Rights Board.
Donovan has been a member of Crosstown Civic Credit Union for more than 30 years. He appreciates the quality, personal service provided to members amidst the growth of the recent past. As the most recently elected member to Crosstown Civic’s board, Donovan wishes to focus on continuing to attract younger generations by meeting their unique expectations they have for the financial services sector. He also would like to explore ways to stay technologically current, while being mindful of the costs of pursuing such excellence. The skills and accomplishments Donovan has gained throughout his career and life position him well for serving on the board. He brings important strategic insight, analytical ability and communication skills to the group.