Member Direct Small Business

Important Notice for Member Direct Small Business (MDSB) Online Banking Users

On Tuesday, November 19th, 2019 Community First will be implementing system changes to MDSB to better serve you now, and to set the stage for additional features and benefits in the future. The immediate benefit to you is that effective November 19th, Interac e-Transfer transaction limits will be raised to serve you better.

Limit Group



Maximum amount per transfer



Maximum amount per day



Maximum amount 7 days



Maximum amount per 30 days



Maximum amount per request


Maximum number of outstanding requests


Instant Transfer


Enable Instant Transfers for low dollar amounts


Maximum amount per Instant Transfers



24-hour rolling limit for Instant Transfers per customers



Interac E-Transfer Impacts

While these updates will set the foundation for exciting new features and benefits, there are impacts to our Interac E-Transfer service that may affect you. Following November 19th, your existing E-Transfer recipients on your business account will no longer be saved to your profile, so we encourage you to prepare for this ahead of time.

What You Need To Do To Prepare

  • Take a screen shot of the details of all your E-Transfer recipients prior to Tuesday, November 19th. You will use this screenshot to re-enter them to your account after November 19th.
  • Ensure all of your outgoing e-transfers are accepted by end of day Monday, November 18th with nothing left in “Pending” status. If you have a pending E-Transfer on November 18th, we ask that you cancel it and resend it following the change on November 19th.
    • Did you know that we offer the Auto Deposit and Request Money features for our Interac E-Transfer service? Send, receive, and request money with ease. Visit to learn more.

Support for This Change

  • If you have any questions or concerns about this change please call the Service Excellence Centre at 1-866-942-2328

Exciting Features Coming Soon!

Because of this enhancement, in early 2020, we will be offering Payroll and Invoicing services directly from MDSB. More information will follow on these exciting service enhancements to this service.

Click here to learn more on Extended PAC Expand/Collapse

When you first login to online banking you will be prompted to change your currect PAC (Personal Access Code) to your new, extended PAC.

When you set your new PAC, you must comply within the following parameters: 

  • Minimum of 10 characters
  • Maximum of 30 characters
  • Must contain 1 upper case letter
  • Must contain 1 lower case letter
  • Must contain 1 numeric character
  • Must contain 1 special character. Supported special characters include:
Special Characters Comments
! Exclamation Mark
@ At Sign
# Number Sign
$ Dollar Sign
( Left Round Bracket/Left Parentheses
) Right Round Bracket/Right Parentheses
- Hyphen
\ Backslash
/ Slash
| Vertical Bar/Pipe
? Question Mark
, Comma
. Period
: Colon
Apostrophe/Single Quote

The extended PAC will impact all devices currently used to access online banking (desktop/laptop computer, mobile platform and YNCU/Community First apps. Extended PAC will not impact telephone banking, which will retain your existing PIN.

Please note that the last 5 passwords you've used cannot be used again.

If you have any questions or require assistance setting up your extended PAC on or after February 20th, 2019, please contact the Service Excellence Centre at 1-866-942-2328 or visit your local branch. 

For general security tips for online banking, please click here.

Additional Information for MemberDirect Small Business Users

If you are the signer for a small business account with delegates, there are some extra steps to take.

If you have delegates, the status of each delegate needs to be updated. Delegates will be unable to log in until you change their status. The steps to update are as follows:

  1. In Online Banking, go to Business Services - Add/Modify Delegates.
  2. Select Edit next to the Delegate you need to update.
  3. Change the Delegate status from Inactive to Active.

The delegate cannot successfully login until the signer has logged in first and updated to the new Enhanced PAC.

Getting started is easy. Upgrade for FREE today!

Contact Business Services at (705) 942-0977

Account Aggregation Expand/Collapse

Consolidate your accounts

With Small Business Online Banking, moving money between your business and personal accounts is easy. See all your accounts at a glance - without having to login more than once.

Multi User Support Expand/Collapse

Authorize users to view or initiate transactions

Do you hire an accountant, a bookkeeper, or even a family member to keep your business finances in order? With Small Business Online Banking, you can authorize your staff (delegate) to view your statements online at their convenience, without the hassle of paper statements. You can also authorize delegates to initiate transfers and bill payments. They start the process, you finish it by approving or declining each one.

Dual Signature Support Expand/Collapse

Automate dual signature approvals

Transactions created in Small Business Online Banking can also be set up to require approval from two people. Best of all, the notification process between both signers is fully automated. You'll be able to see what's pending as soon as you log in.​


Find Branch/ATM

Enter address, postal code or branch name

Becoming a Member
Latest News
download the app
Talk to our CEO, Kerry