Access Credit Union - Manage your business finances online

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 19.2.0

Android 19.2.4

To check which app you are on, click on the "More" menu at the bottom of the app screen > 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.

Desktop and Tablet

Business Digital Banking users can access their accounts on desktop computers or tablets by selecting the 'Sign In' button on the Access Credit Union website.

Learn how to bank on desktop or tablet

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® mobile device or iPad.

Learn how to bank on mobile app

Frequently Asked Questions

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

View frequently asked questions

Getting Started

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

View resources

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.

View resources

Office Banking

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

View resources

Settings & Security

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

View resources

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

Log in to your account via ONLINE BANKING (DESKTOP OR TABLET):

Visit accesscu.ca and select the Sign In button to begin.
Enter your business debit card PAN (that’s the 16 or 19 digits on your debit card).

Select the Continue button to proceed.
Select the calendar icon next to the Date of Birth field to choose your date.
Enter your mobile phone number or email to receive an authentication code.

Select Continue to proceed.
Enter the confirmation code you received, then select Confirm button to continue.

If you do not receive your verification code, please check your junk or spam mail folder.
If the code does not arrive within 10 minutes, you can request a new one.
If you receive more than one verification code, enter the most recent code you received.
If you still do not receive a code, please contact us for assistance.
Select Continue to proceed.
Choose a unique username* using up to 34 characters. Enter it in the designated input field.

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.
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 @
    
    Enter your new password in the designated password field. Then, re-enter the same password in the confirmation field to verify it.
Check the box labeled “I have read and accept the Direct Service Agreement.”

Then, select the Continue button to proceed.
Select the Create user profile button to continue.
Select the Proceed to Sign In button to continue.

You're all set! You can now sign in using your new username and password.

Add a profile picture

1. Navigate to the My Access tab in online banking. Under Settings, select Profile Details to upload your image.

2. To add a photo, select the camera icon.

Choose your picture, then select Add to upload it.

3. Select the Save button to apply your changes.

4. The profile picture is added

Add a Delegate

Download PDF instructions. >>

Under Business services, select Delegate management.
Select the Add delegate button to begin. You can add as many delegates as needed.
Enter the Delegate username and Delegate name in the appropriate fields as part of the signer setup process.
Assign your delegate’s Access level. You can choose either Read-only or Initiator access.
Enter your delegate’s email address or mobile number in the appropriate field so they can receive their password. Then re-enter the same information to confirm.
Confirm that your delegate has agreed to act as a delegate by checking the consent box, then select Continue button to proceed.
Confirm the delegate details. If the information is correct, select the Continue button. If you need to make changes, select the Back button.
You will receive a seven-digit authentication code. Enter the code in the input field, then select the Continue button to proceed.

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

Under Business services, select Delegate management.
Find your delegate in the list and use the Lock access toggle to turn 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.

Under Business services, select Delegate management.
Find the delegate in the list and select 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

Under Business services, select Delegate management.
Find the delegate in the list and select 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)
Make the necessary changes and select Continue button.
Verify details and select Continue button.
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

Download PDF instructions. >>

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

Sign in to your business online banking account.

Under Business services, select Profile consolidation.
Select Add profile button.
Enter the Username and Password in the input fields for the business or personal profile you want to add, then select the Continue button.
Confirm the account details and select Continue button.

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

Sign in to your business online banking account.
Under Business services, select Profile consolidation.
Find the profile you’d like to delete, select the trash bin icon, and press Continue button.
Confirm the account details and select Continue button.

Transfer to another Access CU member

From the My Access page, navigate to the Transfers & Payments dropdown menu. Select Transfer Funds from the Transfers section.
In the Transfer from section, select which account you would like the funds to come out of.

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In the Transfer to section, select Another Access CU member from the available options.

Then, enter the member’s account number in the provided input field.
In the Transfer details section, enter the Amount you wish to transfer in the designated field.

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

Optional: Enter a message for recipient

Select the Continue button to move to the next step.
Confirm transfer details and select Continue button to move forward.
This type of transaction requires an authentication code, which will be sent to your registered email address or mobile phone number. Once you receive the code, enter it in the designated field and select the Continue button to proceed.
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

From the My Access page, navigate to the Transfers & Payments dropdown menu. Select Transfer Funds from the Transfers section.
In the Transfer from section, select which account you would like the funds to come out.
In the Transfer to section, select My account, and select which account you would like the funds be transferred to.

In the Transfer details section, enter the Amount you wish to transfer. Then, select Immediate as the transfer type.

When you're ready to proceed, select the Continue button.
Review the transfer details carefully to ensure everything is correct. When you're ready to proceed, select the Continue button to move forward.
A confirmation that the transfer has been successfully completed will be displayed.

Schedule a transfer

From the My Access page, navigate to the Transfers & Payments dropdown menu. Select Transfer Funds from the Transfers section.
In the Transfer from section, select which account you would like the funds to come out.
In the Transfer to section, select My account, and select which account you would like the funds be transferred to.

In the Transfer details section, enter the Amount you wish to transfer. Then, select Schedule as the transfer type, and choose the date you would like the transfer to be processed.

When you're ready to proceed, select the Continue button.
The transfer details will be displayed for you to confirm details, then select the Continue button.
A confirmation that the transfer has been successfully completed will be displayed.

Set a Recurring Transfer

From the My Access page, navigate to the Transfers & Payments dropdown menu. Select Transfer Funds from the Transfers section.
In the Transfer from section, select which account you would like the funds to come out.
In the Transfer to section, select My account, and select which account you would like the funds be transferred to.

In the Transfer details section, enter the Amount you wish to transfer. Then, select Recurring as the transfer type. After that, choose the Transfer frequency, Start date, and End date to define how often and for how long the transfer should occur.

When you're ready to proceed, select the Continue button.
The transfer details will be displayed for you to confirm details, then select Continue button.
A confirmation that the transfer has been successfully completed will be displayed.

Set Up Favourite Transactions

Through online banking or our mobile app, you can easily set a favourite transaction to use again. This feature allows you to quickly repeat a transaction without re-entering the details, making the process faster and more convenient for all users.

To set up a Favourite Transaction:

Immediately after completing a transaction that you’d like to save as a favourite (for example, a transfer from Chequing to Savings), select the Add Favourite icon.
Select the Favourite Name box, and enter a name for your transaction.
Select the Add to favourites button to complete adding the transaction to your favourites.

To view and use current Favourite Transactions:

To access your favourite transactions, go to the Accounts tab. Then, select Favourite Transactions from the available options under Accounts.
If you wish to use a favourite transaction select the Use icon.
Make any changes you require and select Continue button.
Confirm the details and select Continue button.
The transaction is complete.

Add a payee

Select Transfers & Payments from the navigation menu. Then, within the Payments section, choose Manage Payees to add a new payee.
Select the Add Payee button by its label to begin adding a new payee.
To search for a payee, enter a keyword—such as the name of a company or service (e.g., Mastercard or Bell MTS)—into the Payee Name field. As you type, a list of matching payee options will appear.

Select the correct Payee from the list of options.
Enter the Payee Account Number in the designated input field. Once completed, select the Continue button.
Review and confirm the Payee Details displayed on the screen. Once verified, select the Continue button to proceed.
This transaction requires authentication. A verification code will be sent to your registered email address or mobile number. Once you receive the code, enter it into the Authentication Code field and select the Continue button to proceed.

Send or schedule a bill payment

Select the Transfers & Payments option from the navigation menu.

Then, within the Payments section, choose Pay Bills to proceed.
Select which account you would like to pay from.
In the Amount field next to the selected Payee, enter the payment amount.

Then, use the Payment date selector to choose the date you wish to make the payment.

To pay a bill today, select the current date from the calendar.
Select the Continue button to proceed.
Review and confirm the Payment Details displayed on the screen. Once verified, select the Continue button to proceed.
Payment Successfully Completed.

Set up a recurring bill payment

From the My Access page, select the Transfers & Payments option from the navigation menu.

Then, within the Payments section, choose Pay Bills to proceed.
Select which account you would like to pay from.

Then, to set up a recurring payment, select the Schedule recurring payments icon.
In the Payee Name field, select the desired payee from the list of available options.

Enter the payment Amount in the appropriate input field.

Choose a Payment Frequency from the available options (e.g., weekly, monthly).

Select both a Start Date and an End Date using the date picker.

When all details are entered, select the Continue button to proceed.
Review and confirm the payment details displayed on the screen. Once verified, select the Continue button to proceed.
Payment Successfully Completed.

Dual Signature Transactions

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

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.
To review a transaction, navigate to the Business Services section and select the My transactions option.
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.
To view all pending transactions for the business, navigate to the Business Services section and select the Pending Transactions option.
Select 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.

Navigate to the Business Services section and select the Pending Transactions option.

Note: You can sign up to receive alerts when there is a pending transaction requiring approval. Transactions expire after seven days.
To approve a transaction, select the Approve button located next to the transaction. This button is visually represented by a green checkmark icon.

To review transaction details before making a decision, select the Details button (often shown as a right-facing arrow), then choose either Approve or Decline.
After selecting the Details button (visually represented by a right-facing arrow icon), you will be able to review the transaction information. From this screen, choose either the Approve or Decline button to proceed.

Add Interac e-Transfer® contact

From the My Access page, open the Transfers & Payments dropdown menu using its label.

Then, under the Interac e-Transfer® section, select Manage Contacts.
On the Manage Contacts page, select Add Contact to begin adding a new Interac e-Transfer® contact.
Enter the contact’s Name, Email, and/or Mobile Phone Number in the input fields.

Then, select the Notification Method your contact will use to receive Interac e-Transfer® alerts.
Enter a Secret Question and its Answer in the input fields.

Note: this should be communicated to the contact separately.

Re-enter the Answer to confirm.

Select the Continue button to proceed.
Review and confirm the Contact Details displayed on the screen. Once verified, select the Continue button to proceed.
This action requires two-factor authentication. Enter the verification code sent to your registered mobile device or email address, then select the Continue button to proceed.
Contact successfully added.

Send Interac e-Transfer®

From the My Access page, open the Transfers & Payments dropdown menu using its label.

Then, under the Interac e-Transfer® section, select Send Money.
Select the account you would like to transfer from by choosing it from the list of available accounts.
If no account is selected, 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 by entering it in the amount field.

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

Select the Continue button to confirm and review your transfer details.
If your details are correct, select the Continue button to complete the transfer.
If you have a dual-signature setup, the message "This step was successful. For the transaction to be completed, it requires additional approval." will be displayed.

Accept an Interac e-Transfer®

Select the money transfer or e-Transfer link received via text message or email.
Select Manitoba from the Province dropdown, and select Access Credit Union from the Credit Union dropdown.

Then, select the Deposit button to proceed.

Two options will be presented: “Open in app” or “Open in mobile website.”
When “Open in mobile website” is selected, you will be directed to the online banking login screen. Enter your credentials to log in.
After logging in, you will be prompted to enter the answer to your security question.

Once entered, select the Accept button to continue.
Deposit the e-transfer to the desired deposit account.

Then, select the Continue button to proceed.
Review your details, then select the Continue button to proceed.

Cancel an Interac e-Transfer®

From the My Access page, open the Transfers & Payments dropdown menu using its label.

Select History option under Interac e-Transfer® to view your transaction records.
Select the Cancel icon associated with the e-Transfer you want to cancel.
Select the Continue button to proceed.
Review your details, then select the Continue button to proceed.

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:

From your Access Credit Union online banking, open the Transfers & Payments menu. In the Interac e-Transfer® section, select Autodeposit settings.
Select the Add Autodeposit button.
From the Register with dropdown menu, 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, then select the Continue button to proceed.
Review your details carefully, then select the Continue button to complete the process.
You will be prompted to enter an authentication code for dual authentication.
This code will be sent to the mobile number or email address associated with your account.

Enter the authentication code you receive, then select the Continue button to complete the setup.
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.

View and export transactions

Under the Accounts category, select View Transactions.
Select the account you would like to review transactions for, at the top of your screen.
To customize the transaction list to a specific range of dates and/or transaction types, click the Filter icon.
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.
To print the transactions list, select the Print icon at the bottom of the page.
To export the transactions to another format, select the Export icon at the bottom of the page.
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