First, keep in mind that the PIB profile is completely separate from Online Banking.  It's sort of like a security company you hire to watch over your house:  The security company is one entity, and the house is the other.  The PIB profile is what sets the rules.  Online then obeys those rules.

The most important thing to remember is that they are two separate web-based applications, each with their own username and password.  To complicate things a little more, online banking can be accessed either by an account number and password (like now), OR, if the member so desires, via a username (instead of the account number) and password.  Unless your credit union mandates usernames, some members will use account numbers, some will use a username.  No matter what, though, access to the PIB profile is through a separate username and password.

There is a mechanism in the PIB Profile online tool that will allow a member to define a username for that tool.