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Self-Serve Password (PAC) Reset

What is Self-Serve PAC Reset?

Self-Serve PAC Reset is a digital banking feature that allows members to reset their Personal Access Codes (PAC) whenever they need to, at the time they need to. Without Self-Serve PAC Reset, members must contact ABCU Credit Union to request a password reset during the business hours. Self-Serve PAC Reset functionality relies on 2-Step Verification to authenticate members before they can reset a PAC. Click here for more info on 2-Step Verification. 

How Does it Work?

Step 1. Click Forgot PAC? under the login button on the online banking login page.

Step 2: Enter your ABCU debit card number used to login to online banking and date of birth. After the information is entered, press CONTINUE

Step 3: You will then be asked to verify yourself through 2-step verification. You will be asked if you would like to receive your authentication code by text or email if you haven’t already set this preference up. Then click CONTINUE.

Step 4: On the next page, you will input the code that you have been texted or e-mailed and click CONTINUE. Ensure you use the code within 10 minutes, or it will expire.

Step 5: You will be directed to a page where you select a new online/mobile app banking password - type it in on both lines, New PAC and Re-enter new PAC, and then select CONTINUE.

Step 6: You will be re-directed to the following “success” confirmation page that your new password has been accepted. It is now time to login to online banking with your new password. Click GO TO LOGIN button to do your banking.

Frequently Asked Questions (FAQ)

If a member not enrolled in 2-Step Verification, what will happen if they select the “Forgot PAC?” link?

The member will receive an error message on the step where the member would need to verify details, on the “Please Verify Yourself” screen when they select Continue to submit their personal information.

Is there a limit to how many times a member can attempt to submit incorrect personal information from the Please Verify Yourself screen? What happens if they reach that limit?

There are security measures in place to prevent fraudulent PAC resets. After three incorrect entries, PAC reset is not allowed for 24 hours in the account. If after 24 hours, there are three more failed attempts, then PAC rest is not allowed for a week on the account. If, after another 24 hours, there are three more failed attempts, then PAC reset is not allowed for a month on the account.

The count for failed attempts will reset when the correct information is entered. 2-Step Verification as an extra step to verify the member’s identity.

Is there a limit to how many times a member can submit an incorrect verification code form the Enter Your Verification Code Screen? What happens if they reach that limit?

When an incorrect verification code is entered three times in a row, the member will get locked out of 2-Step Verification. In this state they will not be able to rest their PAC via this feature, and they will have to contact us at 1-888-929-7511 or email to reset their PAC and unlock their 2-Step Verification.

Is Self-Serve PAC Reset available on the mobile app?

Yes, on the mobile app the feature works the same way.


Contact us at 1-888-929-7511 or email