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Change Personal Access Code (PAC)

If you have forgotten your Personal Access Code (PAC)

  1. To reset your password, please visit the Online Banking login screen.
  2. Click Forgot your PAC?
  3. Enter your Login ID (16 digit debit card number) and follow the prompts


  1. Contact an Outlook representative at 1.877.958.7333.
  2. We will set you up with a new PAC.
  3. Log in to Online Banking using your new PAC.
  4. Change your PAC to a value known only to you. (see instructions below)

Please note that, as part of our security and privacy procedures, we do not know your Personal Access Code. Instead, we give you a new PAC and ask you to change it to something only you know.

If your Personal Access Code and debit card number has been stolen, and your Online Banking is no longer secure

Many fraudulent emails and websites impersonate a financial institution and get you to reveal passwords and account numbers. At Outlook Financial, we will never ask you for your passwords nor ask you to reveal personal information in an email. As soon as you suspect you are a victim of fraud, secure your banking information.

  1. Contact an Outlook Financial representative immediately at 1.877.958.7333.
    After hours, call 1.800.567.8111 (toll-free number to report lost or stolen cards) and cancel your debit card.
  2. If you contacted us, we will change your Personal Access Code and address any concerns you may have.
    If you used the after-hours toll-free number to cancel your debit card in order to protect your account, call us the next business day and we will replace your card, give you a new PAC, and address any concerns you may have. 
  3. Once you get your new debit card, log in to Online Banking using your new card number and the PAC we supply to you.
  4. Change your PAC to a value known only to you. (see instructions below)

You can change you Personal Access Code at any time

  1. Log in to Online Banking using your current password
  2. Click on My Profile, and select Change Personal Access Code (PAC)
  3. Enter your current PAC, and then enter a new PAC twice so that it can be verified.
  4. Click Submit.

For more information on password security, see our Security - What You Can Do section on passwords.


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Rates effective
Mar 19, 2024

  • 3.60% Savings
  • 5.20% 1 Year Term
  • 4.60% 5 Year Term
View all rates