Business Digital Banking

1. Log in to your account via ONLINE BANKING (DESKTOP OR TABLET):
   
   Via accesscu.ca > click Sign In in the top right hand corner
   
   
   
   
   
2. Enter your business debit card PAN (that’s the 16 or 19 digits on your debit card).
   
   Click Continue.
   
   
   
   
3. Click on the calendar icon and select your date of birth.
   
   
   
   
4. Enter your mobile phone number or email to send an authentication code.
   
   Click Continue.
   
   
   
   
5. Enter the confirmation code you received and click Confirm.
   
   If you don’t receive your verification code, please check your junk mail folder. If still not received within 10 minutes, please resend the code. If a second verification code is requested, enter the second code you receive - if you have 2 verification codes the latest one you received is the one that must be entered.  If the code is still not received, please contact us.
   
   
   
   
6. Click Continue.
   
   
   
   
7. Choose a unique username* (max. 34 characters). 
   
   IMPORTANT: Please note that once you’ve selected a username, it cannot be changed. Be sure to verify that your username is appearing correctly before continuing. 
   
   
   • The guidelines for your unique username are:
     
     
     1. minimum 5 characters
     2. maximum 34 characters
     3. cannot be your debit card number
     4. cannot be your email address
     5. can use uppercase letters, lowercase letters, numbers, and/or the underscore and period (_ .) special characters
        
        *If there is another member in our system with the same username, it will be rejected and you’ll have to select a new one.
        
        
        
        
8. Choose a unique password using the following criteria:
   
   
   • Alphanumeric
     
   • Minimum 10 characters
     
   • Maximum 35 characters
     
   • 1 uppercase letter
     
   • 1 lowercase letter
     
   • 1 number
   • 1 symbol (this is not displayed on the password indicator but is allowed)
     
     
     • dash -
     • underscore _
     • period .
     • at symbol @
       
       Re-enter your new password.
       
       
       
       
9. Check off the box "I have read and accept the Direct Service Agreement".
   
   Click Continue.
   
   
   
   
10. Click Create user profile.
    
    
    
    
11. Click Proceed to sign in.
    
    
    
    

Add a Delegate

Send an immediate transfer

Schedule a transfer

1. From the My Access page, click on Transfers & Payments dropdown menu, then Transfer funds under Transfers.
   
   
   
   
2. On the “Transfer from”, select which account you would like the funds to come out.
   
   
   
   
3. Under the “Transfer to”, click on “My account”, and select which account you would like the funds be transferred to.
   
   Enter the transfer amount, and select Scheduled as the “Transfer type”, then choose the date of the transfer.
   
   Hit Continue at the bottom of the screen.
   
   
   
   
4. The transfer details will be displayed for you to confirm details, then hit Continue.
   
   
   
   
5. A confirmation that the transfer has been successfully completed will be displayed.
   
   

Set Up Favourite Transactions

1. Immediately after completing a transaction that you would like to add to your favourites (ex. transfer from Chequing to Savings), select the Add favourite icon.
   
   
   
   
2. Click the Enter favourite name box, and enter a name for your transaction.
   
   
   
   
3. Select the Add to favourites button to complete adding the transaction to your favourites.
   
   
   

1. To access your favourite transactions hover over the Accounts tab, select Favourite transactions under Accounts.
   
   
2. If you wish to use a favourite transaction select the Use icon.
   
   
3. Make any changes you require and select Continue at the bottom of the screen.
   
   
4. Confirm the details and select Continue.
   
   
5. The transaction is complete.

Add a payee

1. Select Transfers & Payments at the top of the page and click Manage Payees to add in a payee.
   
   
   
   
2. Click Add payee at the top of the page.
   
   
   
   
3. To search for a payee, type in a keyword (for example: Mastercard or Bell MTS) and you will receive payee options. Select the correct payee.
   
   
   
   
4. Enter the payee account number and click Continue.
   
   
   
   
5. Confirm your Payee details and click Continue.
   
   
   
   
6. This transaction requires Authentication, a code will be sent to your email or mobile number. Enter in the code you received and click Continue.
   
   
   

Send or schedule a bill payment

1. Select Transfers & Payments on the top of the page. Choose Pay bills under Payments.
   
   
   
   
2. Select which account you would like to pay from.
   
   
   
   
3. To the right of the Payee, enter the Amount and Select Payment Date.
   
   To pay a bill on the current date, select today’s date on the calendar.
   
   
   
   
4. Click Continue on the bottom right side of the page.
   
   
   
   
5. Confirm Payment Details and click Continue on the bottom right side of the page.
   
   
   
   
6. Payment Successfully Completed.
   
   

Dual Signature Transactions

1. Once you have completed a transaction, you should receive the message This step was successful. For the transaction to be completed, it requires additional approval(s).
   
   If an account signor has activated their alerts, they will then receive a message that a transaction is pending their approval.
   
   
   
   
2. To review the transaction, select My transactions under Business Services.
   
   
   
   
3. Here you can review your pending transactions, and confirm if they been approved by an account signor. (Note: Transactions must be approved within seven days, or they will expire.)
   
   
   
   
4. For a full list of the business's pending transactions, select Pending transactions under the Business Services heading.
   
   
   
   
5. Click the Pending third-party approval column to see all pending transactions.
   
   
   
   

1. From the menu, click Business Services, then Pending Transactions. (Note: You can sign up to receive alerts when there is a pending transaction requiring approval. Transactions expire after seven days.)
   
   
   
   
2. Select the green checkmark icon beside the transaction you would like to approve, or select the “>” icon to review the details before selecting the Approve or Decline options.
   
   
   
   
3. After clicking the “>” icon you will be able to review the transaction details. From this screen you can Approve or Decline the transaction.
   
   

1. From the "My Access" page select the Transfers & Payments dropdown menu. Select Manage contacts under Interac e-Transfer®.
   
   
   

2. Click on "Add contact".
   
   
   

3. Enter the contact's Name, E-Mail and/or Mobile phone number, then select the Notification method that your contact will receive e-Transfer notifications from.
   
   
   

4. Enter a security question.
   
   Enter the answer to the security question.
   
   Note: this should be communicated to the contact separately.
   
   Re-enter the answer.
   
   Click Continue.
   
   
   
   
5. Confirm the contact details and click Continue.
   
   
   
   
6. This action requires dual-authentication. Enter the Code sent to your email or mobile phone and click Continue.
   
   
   
   
7. Contact successfully added.

1. From the "My Access" page select the Transfers & Payments dropdown menu. Select Send Money under Interac e-Transfer®.
   
   
   
   
2. Select the account that you would like to transfer from.
   
   If you don’t choose the account, your default account will be used.
   
   Select the contact you would like to send to.
   
   If your contact/recipient has signed up for Interac Autodeposit, you will need to acknowledge that a security question is not required for the recipient to accept the funds by checking the box.
   
   Add the amount you want to send.
   
   Optional: Enter a message for recipient (ie. Lunch money, rent…).
   
   Click Continue to confirm transfer details.
   
   
   
   
3. If your details are correct, click the Continue button to complete.
   
   
   
   
4. If you have dual-signature setup you will receive the message "This step was successful. For the transaction to be completed, it requires additional approval."
   
   
   
   

1. From the "My Access" page select the Transfers & Payments dropdown menu. Click on History under Interac e-Transfer®.
   
   
   
   
2. Click on the Cancel Icon beside the e-Transfer you would like to cancel.
   
   
   
   
3. Select Continue.
   
   
   
   
4. Confirm details and click Continue.
   
   
   

1. From your Access Credit Union online banking, select Autodeposit settings under the Interac e-Transfer® section of the Transfers & Payments menu.
   
   
   
   
2. Click or tap the Add Autodeposit button.
   
   
   
   
3. From the Register with dropdown, select whether you would like to use your Mobile number or Email address for Autodeposit. 
   
   Important: Double-check to ensure you entered your email or mobile number correctly.
   
   Select an account you would like your received e-Transfers to deposit into automatically with the associated mobile number or email address above.
   
   Check the box to acknowledge the Autodeposit terms and click the Continue button.
   
   
   
   
4. To confirm your details, click Continue again.
   
   
   
   
5. You will then be prompted to enter a one-time password for dual authentication. This will be sent to the mobile number or email you have associated with your account. Enter the code you receive and click Continue to complete the set up.
   
   
   
   
6. You will also receive a message from Interac via your designated Autodeposit number or email to verify your registration for the service. Click the Confirm button in the email to verify.
   
   Going forward, e-Transfers to your designated mobile number or email address will be deposited automatically into your selected account without the need to accept or answer a security question.

1. From the "My Access" page select the Transfers & Payments dropdown menu.
   
   
2. Select Pay corporate taxes under Payments.
   
   
3. Scroll to Corporation Tax Amount Owing Remittance (RC 159) select Add account.
   
   
4. Enter the Business number and select Continue.
   
   
5. Confirm account details and select Continue.
   
   
6. Account successfully added.
   
   
7. Select Transfers & Payments on the top of the page then Pay corporate taxes.
   
   
8. Scroll down to Account and select the logo under File/Remit.
   
   
9. Select the account you would like to pay from.
   
   
10. Add Contact name, fiscal period end date, payment amount and payment date.
    
    Note: the Contact name you enter must match the Business name and cannot exceed 35 characters.
    
    
11. Click Continue.
    
    
12. Confirm tax details and click Continue.
    
    
13. Tax successfully paid.

Set up alerts

TIPS:
Ensure you select the Access Credit Union app with our logo mark: 

1. Sign in using your current business login credentials (that’s the 16 or 19 digits on your business debit card and your Personal Access Code or password).
   
   Then tap Continue.
   
   
   
   
2. You will see a welcome screen. Scroll down.
   
   
   
   
3. Enter your date of birth by pressing the calendar icon.
   
   Select whether you would like to use your mobile phone number or email address and type it in the corresponding box.
   
   Tap Confirm, then tap Continue.
   
   
   
   
4. Select your new username and password.
   
   IMPORTANT: Please note that once you’ve selected a username, it cannot be changed. Be sure to verify that your username is appearing correctly before continuing.
   
   
   • The guidelines for your unique username are:
     • minimum 5 characters
     • maximum 34 characters
     • cannot be your debit card number
     • cannot be your email address
     • can use uppercase letters, lowercase letters, numbers, and/or the underscore and period (_ .) special characters
       
       *If there is another member in our system with the same username, it will be rejected and you’ll have to select a new one.
       
       Choose a unique password using the following criteria:
       
       • Alphanumeric
         
       • Minimum 10 characters
         
       • Maximum 35 characters
         
       • 1 uppercase letter
         
       • 1 lowercase letter
         
       • 1 number
       • 1 symbol (this is not displayed on the password indicator but is allowed)
         
         • dash -
         • underscore _
         • period .
         • alias symbol @
           
           
           
           
5. Re-enter your password.
   
   Check the box "I have read and accept the Direct Service Agreement" after reading the agreement.
   
   Press Continue.
   
   
   
   
   
6. Confirm you details and select Create business user profile.
   
   
   
   
7. Your user profile is now set up. Tap Proceed to Sign In.
   
   

1. Login to the app and tap the profile picture/icon at the top left.
   
   
   
   
2. Select Customize pictures.
   
   
   
   
3. You can choose to select an image for your profile or background picture, or take a new photo.
   
   
   
   
4. Adjust your image and press Save.
   
   
   
   Repeat steps 3 and 4 to change both your profile and background picture.
   
   
5. Your picture(s) will be saved and show up immediately on the app.
   
   
   

1. You can view your favourite transactions right on your dashboard under Favourites.
   
   Tap on the transaction you would like to complete.
   
   
   
   
2. Press the 3-dot icon on the bottom right.
   
   
   
   
3. Press the Use icon.
   
   
   
   
4. Confirm the details are correct and press Continue.
   
   
   
   
5. Tap Continue again to complete the transaction.
   
   
   

Add a payee

1. Login to the app and tap Pay Bills.
   
   
2. Choose which Account you would like to pay a bill from and select Add Payment.
   
   
3. Tap Pay to and select a recipient, enter the Amount, select the date of payment by using the calendar icon.
   
   
4. If you want to pay the bill on the current date, select today’s date on the calendar, or else select a different date to schedule a payment.
   
   
5. Select Add payment.
   
   
6. If you wish to add another payment, you can do so before tapping continue to pay multiple bills at once.
   
   
7. Once all bill payments have been added, tap Continue and confirm the payment.
   

1. Login to the app and tap Activity in the bottom navigation.
   
   
2. Select Business Services.
   
   
3. Choose Pending transactions.
   
   
4. Select the transaction you would like to view.
   
   
5. Scroll down and tap on Approve to confirm the transaction or Decline to stop the transaction.

Reset your Password

Signers vs. Delegates

Signers

• open new accounts
  
• add delegates
  
• approve transactions
  
• pay bills
  
• transfer funds

Delegates