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Atlantic Edge personal account

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How to log into my Atlantic Edge credit union account

Atlantic Edge online banking is provided through MemberDirect service. 

To sign into an online banking account:

  1. Open the Atlantic Edge official website and click the «Login» button in the «Log in to Online Banking» section on the right. 

  2. Type your Member Number with «00» as the second last digits. Then, for Joint account holders, log in using your joint indicator.

  3. Type in your Personal Access Code (PAC). 

  4. Click the «Login» button. 

You may click the «Remember me» box for easier logging in or download an Atlantic Edge mobile app. 

How to open an Atlantic Edge account

To open an Atlantic Edge CU online banking account, contact the credit union — fill out an online Contact Us form at the website: select the «Online banking» link on the top of the page and click on «We'll call you» link to open the Contact us for Online Banking Access form. Or call 1.888.CREDIT-U (273.3488) for assistance with MemberDirect. 


Online Banking lets you:

  • View account balances and history 

  • Pay bills

  • Transfer funds 

  • Receive and request Interac e-Transfers 

  • Add new e-Transfers recipients 

  • View and manage scheduled bill payments and transfers 

  • Receive personal messages 

  • Find and contact a branch or ATM

  • View recent rates

  • Apply for a loan 

  • Stop payments

  • Order cheques

  • Change contact information and Personal Access Code (PAC) 

  • Open a new account

  • Use Lock’N’Block to block your card anytime 

  • View FAQs

  • Support for MemberDirect Small Business. View, approve, and reject transfers and bill payments

Some features aren't available for the mobile browsing version. 


To open the online account, you must be an Atlantic Edge credit union member. To join the credit union, you must:

  • Be the age of majority, 19 or older

  • Be a resident of Newfoundland and Labrador

  • Have not declared bankruptcy in the last seven years

  • Be ready to provide your personal and contact, employment, and financial information

Atlantic Edge Personal Account


How to reset a forgotten password?

If you forget your password:

  1. Go to the online login page and press the «Forgot Password?» link. 

  2. Verify yourself. Enter your member number (PAN), SIN (last three digits), or date of birth. Click the «Continue» button. 

Set up 2-step verification to verify your identity using the phone number or email address or reset your PAC. 

You may visit any branch or call the Call center 24/7 for assistance resetting your password at 1-888-273-3488.

How to delete an Atlantic Edge account?

MemberDirect Agreement may be terminated by either the Atlantic Edge CU or you on not less than one business day’s prior written notice. It will not release you from any obligations incurred under this Agreement.

Your information can't be deleted. Atlantic Edge collects and uses your data only according to the purposes written in the Privacy Code. You can withdraw your Personal Information Consent anytime; however, the credit union won't be able to provide you with desired services.

Do I need a phone number to register an Atlantic Edge account?

To register an Atlantic Edge CU online banking account, you should be its member. To become a member, you must fill out an online application form with your phone number, email, home address, employment, and finance information. While logging in, you will need your member number and PAC; the phone number or email address won't be necessary until you want to enable two-factor authentication.

Is my personal data safe with Atlantic Edge?

Internet encryption protects your information while it is in transit between your computer and the credit union systems. For example, Atlantic Edge's online banking website uses a 128-bit SSL, encrypting request and response transactions through a secure connection. To establish a secure connection, verify that the prefix of our website address in your browser reads 'https' (and not simply 'http'). 

You can access the accounts only by logging in with the correct LoginID and Personal Access Code (PAC). In addition, you can set up 2-step verification as a second layer of security.

Why can't I log into my Atlantic Edge online banking account?

If you forget your password, click the «Forgot password?» link on the login page, and follow the prompts. 

When you attempt to log into online banking from an unfamiliar device or in a new location, you will be asked to enter a verification code if you enable 2-step verification. 

If you lost the phone or can't access the email address, contact or visit your nearest branch to confirm your identity and reset your 2-step verification. 

Contact Technical Support at 1-888-CREDIT-U (273-3488) outside regular business hours.

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