WEBSITE LOGIN: Your user name is your member number. Your reset password is your last name, all lower case. You'll change it after you log in for the first time on the website. 

IF YOU ARE A SPOUSE/PARTNER ON THE ACCOUNT: Your member number has a -1 after it. Your reset password is YOUR last name (not your spouse's).

EXAMPLE: Ms. Blue is the primary account holder: her number is 12345. Her password is "blue". Her husband, Mr. Orange, is the spouse account: his number is 12345-1. His password is "orange".