Business Digital Banking

What is Business Digital Banking?

Business Digital Banking allows our valued business members to manage your business and personal finances together in one convenient place.




Signing up for Business Online Banking is easy: Visit your local Access Credit Union branch and request access to Business Digital Banking. As with our Personal Digital Banking, our members can access their Business Digital Banking from any device.

Are you on the most current app version?

Members who may be experiencing issues with logging in may not be on the most current app version. The most current app versions are:

iOS 16.1.7

Android 16.1.6

To check which app you are on, click on the hamburger menu on the app > Information > App Info

REMINDER: Access Credit Union will never contact you for your personal information via text, unsecure email, or social media channel. For your own online security, please do not action any email, text message, or otherwise, that appears to have been received from Access Credit Union without discussing with an Access Credit Union representative to ensure legitimacy.

 Learn more >>

Learn How to Use Business Digital Banking

To learn how to use Business Digital Banking, please select which type of device you are banking on or view our Frequently Asked Questions section:

D​esktop and Tablet

Business Digital Banking users can access their accounts on desktop computers or tablets by clicking the "Sign In" button at the top right corner of the Access Credit Union website.

Mobile App

Business Digital Banking users can access their accounts through their mobile web browser or by downloading our mobile app on their Apple® or Android® device.

Frequently Asked Questions

Need help with something specific? We've compiled the most common questions about digital banking. 




How to use Business Digital Banking on Desktop or Tablet

Learn how to use Business Digital Banking by browsing our support resources by topic.

Getting Started

Learn how to log in to desktop online banking for the first time, manage signers and delegates, and consolidate accounts

Transactions

Learn how to send and schedule transfers, bill payments, and Interac e-Transfers®, as well as view and manage transactions (including dual-signature), set favourites, and view eStatements.

Office Banking

Learn how to use common office banking features, like how to check your statements, and make tax payments.

Settings & Security

Learn how to reset your password, retrieve your username, and set up alerts.




Getting Started

Logging in to the new business digital banking for new users.


  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.



And you’re all set! Sign in with your new username and password.

Add a profile picture


1. Select My Access from the navigation menu, then under Settings select Profile details.



2. Click the camera icon to add photo
   
    Select the picture and click add



3. Click Save



4. The profile picture is added


Add a Delegate



  1. Under Business services, select Delegate management.



  2. Press Add delegate. You can add an unlimited number of delegates.



  3. As a signer, you will choose the Delegate username and Delegate name.



  4. Assign your delegate’s Access level. You can choose either Read-only or Initiator access.



  5. Enter either your delegate’s email address or mobile number so they can receive their password.



  6. Press the check box to confirm your delegate has consented to be a delegate and select Continue.



  7. Confirm delegate details. Select Continue if the information is correct. If not, press the Back button.



  8. You will receive a seven-digit authentication code. Enter this code and press Continue.



Your delegate will now be added. A temporary password will be sent to your delegate, but for security purposes you’ll also need to send the delegate their username in a separate communication.

Once created, delegates cannot be deleted (but you can lock their access). If you make any changes to your delegate access later, they will immediately come into effect.



Lock & unlock Delegate access


  1. Under Business services, select Delegate management.



  2. Find the delegate in the list and toggle the lock access on or off.



Your delegate will still be listed after they are locked, and you can reactivate them at any time.

Access Level: You can choose between initiator and read-only permission for your delegates. Read-only delegates can’t make transactions. Initiator delegates can set up transfers and payments, but require a signer’s approval.



Reset a Delegate password


After five failed password attempts, your delegate will be locked out of their account. If this happens, your delegate can choose Forgotten password on the login screen to reset their password. Or, you can use the Reset password feature shown here to allow your delegate additional login attempts with their existing password.

  1. Under Business services, select Delegate management.



  2. Find the delegate in the list and press Reset password.



Lock access: Prevents a delegate from accessing digital banking. Your delegate will still be listed after they are locked, and you can reactivate them at any time.



Edit Delegate details


  1. Under Business services, select Delegate management.

  2. Find the delegate in the list and press the Edit details icon. You can edit:

    • Delegate Name
    Access level (initiator or read-only)
    • Email and/or mobile phone number
    Delegate notes (other owners can also have access)

  3. Make the necessary changes and select Continue.

  4. Verify details and press Continue.

  5. As an extra layer of security, we’ll send an authentication code through email or text to confirm your request. Once you enter the authentication code you received over email or text, your delegate’s information will be changed.

Unlock transaction authentication: Allows the signer to reset a delegate’s security credentials after they have been locked out of their account. Delegates will get locked out of their account if they enter an authentication code incorrectly three times.


Profile consolidation



Profile consolidation gives you full access to all of your personal and business memberships with a single username and password, which means you can switch between profiles without logging out. Profile consolidation is only available to account signers.

Before consolidating, you will have to log in separately under both personal and business online banking. Also, you can only consolidate through your business profile, not your personal profile.



Add a Profile to your account


  1. Sign in to your business online banking account.

    Under Business services, select Profile consolidation.



  2. Select Add profile.



  3. Enter the username and password for the business or personal profile you would like to add and select Continue.



  4. Confirm the account details and select Continue.



Profile consolidation: This is a profile setting that allows you to view or initiate transactions for all your Access memberships with a single username and password.




Delete a consolidated profile


  1. Sign in to your business online banking account.

  2. Under Business services, select Profile consolidation.

  3. Find the profile you’d like to delete, select the trash bin icon, and press Continue.

  4. Confirm the account details and select Continue.




Transactions

Transfer to a member


  1. From the "My Access" page, click on Transfers & Payments dropdown menu, then Transfer funds under Transfers.



  2. Under “Transfer from”, select which account you would like the funds to come out of.



  3. Under “Transfer to” select “Another Access CU member”.

    Type in the member account number



  4. Under “Transfer details”, enter the transfer amount.

    Select whether this transfer is to be done immediately, scheduled for another time, or set to recurring

    Optional: Enter a message for recipient


    Click Continue



  5. Confirm transfer details and click Continue



  6. This type of transaction requires an Authentication code sent to your email or mobile phone number. Enter the code you received and click continue.



  7. Transfer successfully completed. Some transactions may require dual-signatures. Please see the "Dual-signature transactions" tutorial to see how to proceed. 



Send an immediate transfer


  1. From the "My Access" page, click on Transfers & Payments dropdown menu, then Transfer funds under Transfers.



  2. Under “Transfer from”, select which account you would like the funds to come out.



  3. Under “Transfer to”, click on “My account”, and select which account you would like the funds be transferred to.

    Enter the transfer amount, and select Immediate as the “Transfer type”, then 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.



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 a Recurring 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 Recurring as the “Transfer type”, then choose the frequency, start date, and end date.

    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


Through online banking, or with our mobile app, you can easily set a favourite transaction to use again.

To set up a Favourite Transaction:

  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.


To view and use current Favourite Transactions:

  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.


    Set up a recurring bill payment


    1. From the "My Access" page select Transfers & Payments on the top of the page.

      Click on Pay bills under "Payments".



    2. Select which account you would like to pay from.

      Choose the "Schedule recurring payments" icon.



    3. Under Pay to select the payee.

      Enter the payment amount.

      Select a payment frequency.

      Select a start date and an end date.

      Click Continue on the bottom right side of the page.



    4. Confirm Payment Details and click Continue on the bottom right side of the page.



    5. Payment Successfully Completed.

    Dual Signature Transactions



    Instructions for how a delegate can initiate and review transactions such as bill payments and Interac e-Transfers®.

    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.




    If you have your membership set up as requiring two-signer approval for transactions like bill payments and Interac e-Transfers®, you can approve the transaction within digital banking.

    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.

    Add Interac e-Transfer® contact


    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.

    Send Interac e-Transfer®


    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."



    Accept an Interac e-Transfer®


    1. Click the money transfer link/e-Transfer link received on either text or email.



    2. Select Manitoba for Province, and select Access Credit Union under the Credit Union dropdown.

      Click Deposit.

      You will see 2 options, you can either select “Open in app” or “Open in mobile website”.



    3. When “Open in mobile website” has been selected, it will bring you to the login screen for online banking, then login.



    4. Once logged in, you will be prompted to enter the answer to the security question.

      Click Accept.



    5. Deposit the e-transfer to the desired deposit account.

      Click Continue.



    6. Click Continue.


    Cancel an Interac e-Transfer®


    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.


    Set up Interac Autodeposit


    With Autodeposit, money you receive via Interac e-Transfer® can be automatically deposited into your account without the need to respond to a security question.

    You can add up to five email addresses for Autodeposit. Each email can be used for a single account.

    To set up Autodeposit:

    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.




    Office Banking Features

    View and export transactions


    1. Under the Accounts category, select View Transactions.



    2. Select the account you would like to review transactions for, at the top of your screen.



    3. To customize the transaction list to a specific range of dates and/or transaction types, click the Filter icon.



    4. Once the Date Range and Transaction Types have been entered, select the Filter option to display the filtered transactions.

      Select the “<” or “>” icons to go back and forth between pages.



    5. To print the transactions list, select the Print icon at the bottom of the page.



    6. To export the transactions to another format, select the Export icon at the bottom of the page.



    7. Select the format that you would like to export it to, and click the Export button to complete:

      • CSV
      • Microsoft Money
      • PDF
      • Quickbooks
      • Quicken
      • Sage 50
      • Xero




    View, save, and print eStatements


    1. Under the Accounts category, select View eStatements.



    2. Select the account you would like to view eStatements for at the top of the screen. (Note: accounts may be consolidated into one eStatement.)



    3. Click the dropdown beside the year you would like to review. Click the month you would like to review the eStatement for, to open the document.



    4. You will be shown the eStatement for the specified month. Once finished, you can Save or Print the document if needed.


    Make Tax Payments


    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.




    Settings & Security

    Reset Password


    1. Select Forgot username or password.



    2. Select Reset password.



    3. Enter your username.

      Enter your mobile number used in enrollment for you to receive the code.

      Click Continue.



    4. Check your phone for the one-time code and enter it.

      Type in your new password then re-enter your new password.

      Click Continue.



    5. Continue to sign in.

    Retrieve Username


    1. Select Forgot username or password? from the login screen.



    2. Click Recover username from the dropdown.



    3. Tap the Select identification method dropdown menu to select the method (email or SMS) you would like to receive your one-time password.



    4. Enter your email or SMS mobile number that you have on file, and select Continue to receive the one time password.



    5. You will be required to enter a one-time security code, click Continue.



    6. Enter your current password, and click Continue.



    7. Once complete, your username will be sent to your provided contact.


    Set up alerts


    Business alerts


    Business alerts allow you to monitor specific accounts so you can track activities like withdrawals, your account balance, insufficient funds and failed transactions.

    1. From the "My Access" dropdown menu select Business under Alerts.



    2. Find the Transaction Type(s) you would like to set up the alert for (ex. each time a transfer is cancelled).



    3. Select the method(s) with which you would like to receive alerts. (Note: Ensure your contact information on your profile is up to date, as the alert will be sent to that specific method of contact.)



    4. Tap the Save button to complete the Account alert set up.





    Security alerts


    Security alerts will inform you of any changes to your profile including a password change or a login attempt.

    1. From the "My Access" dropdown menu select Security under Alerts.



    2. Find the specific category for which you would like to set up a security alert.



    3. Select the method(s) with which you would like to receive alerts. (Note: Ensure your contact information on your profile is up to date, as the alert will be sent to that specific method of contact.)



    4. Tap the Save button to complete the Security alert set up.




    How to use Business Digital Banking on the App:

    Learn how to use Business Digital Banking by browsing our support resources by topic.

    Getting Started on the Mobile App

    Learn how to log in to the mobile app for the first time and customize your mobile banking experience.

    Mobile App Transactions

    Learn how to send and schedule transfers, bill payments, and Interac e-Transfers®, as well as view and manage transactions (including dual-signature), set favourites, and view eStatements.

    Mobile App Office Banking

    Learn how to check your statements on the mobile app.

    Mobile App Settings & Security

    Learn how to reset your password and set up alerts.




    Getting Started on the Mobile App

    Logging in to the new Business Digital Banking for the first time.


    As a signer, you’ll need to log in to digital banking using the steps outlined below. If your business has more than one signer, each signer will need to log in and create their own username and password.

    Log in to your account via MOBILE BANKING APP:

    iOS (Apple devices):


    The Apple app will need to be updated manually if you do not have automatic updates set up.

    If you do have automatic updates set up and this isn't working for you, please delete the app and re-download. You can find the app by searching "Access CU" in the app store or by using this direct link.

    Android

    The mobile app is available in Google Play at this direct link.

    TIPS:

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

    Please help other members find the app by rating/recommending it to earn more visibility in search rankings. 

    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).



    2. Re-enter your login credentials and press Continue.



    3. Select the Calendar icon.



    4. Select your date of birth from the calendar, then tap OK.



    5. Enter your PERSONAL Mobile phone number and tap Confirm.



    6. Enter the one time password sent to your mobile phone number and tap Confirm.



    7. Select Continue.



    8. 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:
        • 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 @



    9. Checkmark the box I have read and accept the Direct Service Agreement.

      Select Continue.



    10. Tap Create user profile to finish.



    And you’re all set! The next time you come back, simply use your new username and password to sign in.

    Customize your app experience by changing your image at login! To add a profile picture:


    1. Tap the hamburger menu at the top left.



    2. Select Settings, then Profile details.



    3. Select Take picture to take a new profile or background picture, or select Add photo to choose a photo from your gallery for your profile or background picture.



    4. For background images, edit it to your liking and tap Save.



    5. The profile picture is added!

    Looking for other ways to customize your app? Check out Settings & Security.




    Mobile App Transactions

    Deposit a cheque


    Remote cheque deposit is available via mobile app only.

    1. Tap the hamburger menu in the top left corner of the screen.



    2. Select Mobile Deposit from the app side menu.



    3. On the Mobile Deposit page, Select an Account and enter the Amount on your cheque.

      Under Cheque Images, select Front of cheque.



    4. When prompted "Access Credit Union" would like to access the camera, tap OK.

      The camera will automatically open, please take a picture of your cheque manually.



    5. Repeat the process for the Back of cheque image.



    6. Tap the Continue button.



    7. Tap the Continue button to Confirm deposit details.



    8. You will be shown a summary of your deposit transaction details. Your cheque has been deposited.


    Transfer to a member


    1. Tap the hamburger icon on the top left corner of the mobile device.



    2. Select Transfers from the app side menu then Transfer funds.



    3. Select the account that you would like to transfer from.

      Click the radio button beside Another Access member.



    4. Fill out the member account number.



    5. Enter the Amount.

      Tap the radio button beside the type of transaction that you would like.

      Optional:
      Enter a message for recipient (ie. Lunch money, rent…).



    6. Tap Continue.



    7. Confirm transfer details and tap Continue.



    8. This type of transaction requires an Authentication code sent to your email or mobile phone number, enter the code you received and tap Continue.



    9. Transfer successfully completed.

    Send an immediate transfer


    1. Tap the hamburger menu icon () in the top left corner of the screen to reveal the side menu.



    2. Select Transfers, then Transfer funds.



    3. On the “Transfer from”, select which account you would like the funds to come out.

      Under “Transfer to”, click on “My account”, and select which account you would like the funds be transferred to.

      Enter the transfer amount, and select Immediate as the Transfer type, then hit Continue at the bottom of the screen.



    4. The transfer details will be displayed for you to confirm. Once okay, hit Continue.



    5. A confirmation that the transfer has successfully been completed will be displayed.



    Schedule a transfer


    1. Tap the hamburger menu icon () in the top left corner of the screen to reveal the side menu.



    2. Select Transfers, then Transfer funds.



    3. On the “Transfer from”, select which account you would like the funds to come out.

      Under “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 or Recurring as the Transfer type.



    4. Select the Transfer date and add a memo (if desired).

      If you selected Recurring, enter the Start date, select the Frequency, and select the end date, and add a memo (if desired). Then hit Continue at the bottom of the screen.



    5. The transfer details will be displayed for you to confirm. Once okay, hit Continue.



    6. A confirmation that the transfer has successfully been completed will be displayed.

    Set Up Favourite Transactions


    Easily set a favourite transaction to use again.

    To set up a Favourite Transaction:

    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. Tap the Enter favourite name box, and enter a name for your transaction.



    3. Select the Confirm button to complete adding the transaction to your favourites.



    To view current Favourite Transactions:

    1. Tap the hamburger menu icon () in the top left corner of the screen to reveal the side menu.

    2. Select Accounts from the app side menu.

    3. Navigate to Favourite transactions.

    4. Tap on the favourite transaction you would like to use.

    5. Tap on the Use icon to select it.

    6. Make any required changes and select Continue.

    7. Confirm your transaction details and tap Continue.

    8. The transaction is completed.

    Add a payee


    1. Tap the hamburger menu icon on the top left corner of the mobile device.



    2. Select Payment from the app side menu, then Manage payees.



    3. Select the plus (+) button on the top right corner of the screen.



    4. To search for a payee, type in a keyword (for example: Mastercard or Bell MTS) and you will receive payee options.



    5. Select the correct Payee and enter the payee account number and tap Continue.



    6. Confirm your Payee details and tap Continue.



    7. This transaction requires Authentication, a code will be sent to your email or mobile number. Enter in the code you received and tap Continue.


    Send or schedule a bill payment

    1. Tap the hamburger menu icon on the top left corner of the mobile device.



    2. Select Payments then Pay bills from the side menu.



    3. Under Pay from choose the account you want the money to come from then tap Add Payment.



    4. Tap Pay to and select a recipient, enter the Amount, select the date of payment by using the calendar icon.

      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.

      Once all bill payments have been added, tap Continue.



    7. Confirm the transaction details and click Continue.





    Set up a recurring bill payment


    1. Tap the hamburger bar on the top left corner of the mobile device.



    2. Select Transfers & Payments on the app side menu and tap Pay bills.



    3. Tap Recurring payments at the top.



    4. Select the correct Pay from account you want the money to come from. 



    5. Select a Payee Name by using the Pay to dropdown box, then enter the Amount.



    6. Select Frequency of payment, then choose the start date and end date by using the calendar icon. Tap Continue.



    7. Confirm your payment details and tap Continue.



    8. Payment successfully scheduled.

    Approve Pending Transactions

    If you have your membership set up as requiring two-signer approval for transactions like bill payments and Interac e-Transfers®, you can approve the transaction within the mobile app.

      1. Tap the hamburger menu icon on the top left corner of the mobile device.



      2. Select Business Services then Pending transactions from the side menu.



      3. Tap Your approval to view transactions waiting to be approved.



      4. Select the transaction that you want to view.



      5. Click the check mark at the bottom of the screen to approve the transaction.



      6. If another approval is required, the transaction moves to Third-Party Approval. If no further approvals are required, the transaction has been completed.


      Add Interac e-Transfer® contact


      1. Tap the hamburger menu icon () in the top left corner of the screen to reveal the side menu.



      2. Tap Interac e-Transfer® from the sidebar app menu, then tap Manage contacts.



      3. From the Manage Contacts, tap the + sign in the top right corner of the screen.



      4.  Enter your Contact details and how you would like to notify your contact.



      5. Enter your Security details. Security questions are set for each contact and used for every Interac e-Transfer®. Ensure that the answer is communicated to the contact separately.



      6. Tap the Continue button then confirm your contact details and tap the next Continue button.

        You will receive an authentication code via your notification method (text message, email) in order to add your new contact.



      7. Enter your verification code and tap Continue to see the confirmation message that you contact was successfully added.


      Send Interac e-Transfer®


      1. Tap the hamburger menu icon () in the top left corner of the screen to reveal the side menu.



      2. Select Interac e-Transfer from the app side menu. Select send money from the dropdown menu.



      3. 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.



      4. Add the amount you want to send.

        Optional: Enter a message for recipient (ie. Lunch money, rent…).

        Tap Continue to confirm transfer details.



      5. If your details are correct, tap the Continue button to complete.


      Accept an Interac e-Transfer®


      You can receive Interac e-Transfer notification via text message, email, or both.

      1. Press the "Deposit your Money" link received on either text or email.



      2. Select Manitoba for Province, and select Access Credit Union under the Credit Union dropdown.



      3. Tap Deposit.



      4. You will see 2 options, you can either select “Open in app” or “Open in mobile website”.



      5. When “Open in app” has been selected, it will bring you to the login screen for the Access CU app, then enter your password.



      6. Once logged in, you will be prompted to enter the answer to the security question.



      7. Tap Accept.



      8. Deposit the e-transfer to the desired deposit account.



      9. Tap Continue.



      10. Confirm the details and press Continue.



      11. You will see under activity that the e-transfer had been accepted.


      Cancel an Interac e-Transfer®


      1. Tap the hamburger menu icon () in the top left corner of the screen to reveal the side menu.



      2. Select Interac e-Transfer from the app side menu. Then select history from the dropdown menu.



      3. Select Pending transactions.

        Tap on the e-Transfer that you would like to cancel.



      4. When the details of the transfer come up, select Cancel on the bottom right corner.



      5. Tap on Continue to confirm the cancelled transaction details.



      6. Tap Continue to finalize the cancelled transaction.


      Set up Interac Autodeposit


      With Autodeposit, money you receive via Interac e-Transfer® can be automatically deposited into your account without the need to respond to a security question.

      You can add up to five email addresses for Autodeposit. Each email can be used for a single account.

      To set up Autodeposit:

      1. Tap the hamburger menu icon () in the top left corner of the screen to reveal the side menu.



      2. Tap Interac e-Transfer® from the sidebar app menu.

        From the expanded Interac e-Transfer® menu, tap Autodeposit settings.



      3. Click or tap the Add Autodeposit button.



      4. From the Register with dropdown, select whether you would like to use a Mobile number or Email address for Autodeposit. 

        Important: Double-check to ensure you entered the 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.



      5. Check the box to acknowledge the Autodeposit terms and click the Continue button.



      6. Tap Continue again to confirm your details.



      7. You will then 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.



      8. Autodeposit is successfully added. You will also receive a message from Interac via your designated Autodeposit number or email to verify your registration for the service.



      9. 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.




      Mobile App Office Banking Features

      View eStatements

      Viewing eStatements on mobile is currently only available on IOS.
        1. Tap the hamburger menu icon () in the top left corner of the screen to reveal the side menu.



        2. Select Accounts from the app side menu.

          Under the Accounts category, select View eStatements.



        3. Select the account you would like to view eStatements for at the top of the screen. (Note: some accounts may be consolidated into one eStatement.)



        4. Click the dropdown beside the year you would like to review. Click the month you would like to review the eStatement for to open the document.



        5. You will be shown the eStatement for the specified month. Once finished, you can Save the document if needed.





      Mobile App Settings & Security

      Set up alerts


      Learn how to set up account/security alerts for everyday banking on the mobile app.



      Business alerts


      Business alerts allow you to monitor specific accounts so you can track activities like withdrawals, your account balance, insufficient funds and failed transactions.

      1. Tap the hamburger menu icon () in the top left corner of the screen.

      2. Select Alerts from the app side menu. Select Business from the dropdown menu.

      3. Find the Transaction Type(s) you would like to set up the alert for (ex. each time a transfer is cancelled).

      4. Select the method(s) with which you would like to receive alerts. (Note: Ensure your contact information on your profile is up to date, as the alert will be sent to that specific method of contact.)

      5. Tap the Save button to complete the Account alert set up.



      Security alerts


      Security alerts will inform you of any changes to your profile including a password change or a login attempt.

      1. Tap the hamburger menu icon () in the top left corner of the screen.



      2. Select Alerts from the app side menu. Select Security from the dropdown menu.



      3. Select the specific category for which you would like to set up a security alert.



      4. Select the method(s) with which you would like to receive alerts. (Note: Ensure your contact information on your profile is up to date, as the alert will be sent to that specific method of contact.)

        Tap the Save button to complete the Security alert set up.


      Reset your Password


      1. Tap Sign In.

        Select Forgot password.



      2. Enter your Username.

        Enter your mobile number used in enrollment for you to receive the code.

        Click Continue.



      3. Check your phone for the one-time code.

        Enter the code.



      4. Enter the new password. Renter the new password.

        Select Confirm.


      Frequently Asked Questions

      We've compiled the most common questions Business Digital Banking.
      Don't see your question answered? Contact us and we'll help you out!

      The consolidation feature works a little bit differently with the new system and you won’t be able to view your consolidated memberships until you have completed a few steps. You will have to start by completing your initial sign in for each membership separately. Once you have completed the onboarding process for all your memberships, you can then consolidate them as required. Once you have completed this step, you will be able to sign in once, and switch between any of your consolidated profiles as needed. 


      Signers vs. Delegates


      There are two main roles in Business Digital Banking: Signers and Delegates.

      Signers


      Signers are people who have all authority on accounts. They have signing authority for all of their business banking needs. Examples of tasks available for signers:

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

      Only signers are able to update contact information, create delegates, and sign up for alerts. Using online banking on your browser, you can edit delegate details and access.

      Delegates


      Delegates are individuals assigned by signers to either initiate transactions or have read-only access to record and report business finances. Your delegates do not need to be Access Credit Union members.

      NOTE: Delegates do not have authority to make changes or inquire with credit union staff about accounts.

      There are two types of delegates:

      Initiator Delegates

      Users with this role may or may not be members of Access and have limited authority on accounts. All transactions ‘initiated’ by these delegates must be approved by the applicable number of signers. Examples of tasks:

      • pay bills
      • transfer funds
      • prepare financial statements
      • reconcile statements

      Read-Only Delegates

      Users with this role are employees and/or family members who only need access to view specified accounts, but cannot transact or initiate transactions. Examples of tasks:

      • prepare financial statements
      • reconcile statements

      One person who has signing authority for the accounts will create a username for the delegate when adding them to the membership. After this, a temporary password will be sent to the signer to enter into the system. Once the delegate is set up, they will use their new sign in information and they will be prompted to create their own unique password the first time they sign in.

      Delegates can initiate transactions, but not authorize or complete them. If the business account requires two approvals, the delegate can create a transaction, and then two signers will have to sign in to approve it.
      If you have your membership set up as requiring two-signer approval for transactions like bill payments and Interac e-Transfers®, you can approve the transaction within digital banking.
      1. Sign in to digital banking
      2. From the menu, click Business Services > Review Pending Transactions
      Note: You can sign up to receive alerts when there is a pending transaction requiring approval. Please note that transactions expire after seven days.
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