Important Reminder: There is a notable increase in fraud activity throughout the province.
Please be cautious of unexpected emails from agencies or organizations asking to click links and/or update information. Learn how to identify and prevent fraud.


Interac
e-Transfer® issues
: Some members may be experiencing e-Transfers issues with Autodeposit and sending/receiving transfers.
Our digital banking vendor is investigating the root cause to resolve this matter. In the meantime, please see our e-Transfer troubleshooting for temporary solutions.

Business Digital Banking

What is Business Digital Banking?

Access Credit Union is proud to offer Business Digital Banking to our valued business members to allow you to manage your business and personal finances together in one convenient place.




How to use Business Digital Banking:

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

Getting Started

  • Set up your account

  • Ways to bank

  • Log in for the first time

  • Manage signers and delegates

  • Consolidate accounts

Transactions

  • Deposit a cheque

  • Send and schedule transfers

  • Send and schedule bill payments

  • Dual-signature transactions

  • Send Interac e-Transfers®

  • View and manage transactions

Office Banking

  • Check your statements

  • Make tax payments

  • Connect with QuickBooks

Settings & Security

  • Reset password

  • Retrieve username

  • Set up alerts

  • Set favourite transactions




Getting Started

Ways to Bank


As with our Personal Digital Banking, our members can access their Business Digital Banking from any device:

Desktop 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 Device

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.

Set up your account


Signing up for Business Online Banking is easy; visit your local Access Credit Union branch and request access to Business Digital Banking.

You will be given a temporary Personal Access Code (PAC), which you will be prompted to change to a strong password upon first login. Then follow the "Log in for the first time" instructions below to access the platform.

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.

Important Note: If you didn’t update your email address or cell phone number on file with us prior to June 14, you will not be able to log in as email or cell number are required for dual-authentication. Please contact us to update your information prior to logging in to the new platform for the first time.

  1. Log in to your account via online banking or mobile app:

    ONLINE BANKING (DESKTOP OR TABLET)

    Via accesscu.ca > click Sign In in the top right hand corner

    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. 

  2. Sign in using your current login credentials (that’s the 16 or 19 digits on your debit card and your Personal Access Code or password).

  3. 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, number, and/or these 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.

  4. 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 @
  5. Enter your PERSONAL mobile phone number or email address (even though you are signing in to a business account, you will want to use your personal phone number and email here).

  6. In some cases, members may be asked to verify their date of birth. To complete the field, please enter your contact information in this format: mm-dd-yyyy.

  7. You will receive a verification code on your mobile phone or email. Sometimes it can take a few minutes for the code to show up in your email.

  8. 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.

  9. Enter that code on the pop-up screen when you receive it.

  10. If the contact information you enter does not match what we have on file, you will not be able to receive your verification code.

  11. If everything is correct, click “Create user profile” to finish up.

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

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

Add a Delegate




  1. Sign in to online banking.

  2. Under Business services, select Delegate management.

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

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

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

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

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

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

  9. 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. Sign in to online banking.

  2. Under Business services, select Delegate management.

  3. 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. Sign in to online banking.

  2. Under Business services, select Delegate management.

  3. 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. Sign in to your business online banking account.

  2. Under Business services, select Delegate management.

  3. 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)

  4. Make the necessary changes and select Continue.

  5. Verify details and press Continue.

  6. 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.

  2. Under Business services, select Profile consolidation.

  3. Select Add profile.

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

  5. 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

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.

  4. Under Cheque Images, select Front of cheque.

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

  6. The camera will automatically capture the image of your cheque. If it does not, please take a picture of your cheque manually.

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

  8. Tap the Continue button to Confirm deposit details.

  9. If your details are correct, tap the Confirm button.

  10. You will be shown a summary of your deposit transaction details. Tap the Finish button to complete.

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.

  4. Click the radio button beside Another CU member.

  5. Fill out the member account number.

  6. Enter the Amount.

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

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

  9. Tap Continue.

  10. Confirm transfer details and tap Continue.

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

  12. 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. 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.

    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 hit Continue at the bottom of the screen.

  3. The transfer details will be displayed for you to confirm details, then hit Continue.

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

Add a payee


Use our interactive demo to learn quickly and easily. >>


Online banking


  1. Select Transfers & Payments at the top of the page and tap Manage Payees to add in a payee.

  2. Tap 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.

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

  5. Confirm your Payee details and tap Continue.

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


Mobile app


  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


Use our interactive demo to learn quickly and easily. >>


Mobile app


  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.

  5. 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. 

  6. Select Add payment.

  7. If you wish to add another payment, you can do so before tapping continue to pay multiple bills at once.

  8. Once all bill payments have been added, tap Continue and confirm the payment.

Online banking


  1. Select Transfers & Payments on the top of the page.

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

  3. To the right of the Payee, enter the Amount and Select Payment Date.

  4. To pay a bill on the current date, select today’s date on the calendar.

  5. Tap Continue on the bottom right side of the page.

  6. Confirm Payment Details and tap Continue on the bottom right side of the page.

  7. Payment Successfully Completed.



Set up a recurring bill payment



Mobile app


  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. Default account will be selected, ensure you select the correct Pay from account you want the money to come from. 

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

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

  6. Confirm your payment details and tap Continue.

  7. Payment successfully scheduled.


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).

  2. If an account signor has activated their alerts, they will then receive a message that a transaction is pending their approval.

  3. To review the transaction, select My transactions under Business Services.

  4. 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.)

  5. For a full list of the businesses pending transactions, select Pending transactions under the Business Services heading, and click the Pending third-party approval column.

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, then Pending Transactions. (Note: You can sign up to receive alerts when there is a pending transaction requiring approval. Transactions expire after seven days.)

  3. 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.

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.

  3. From the expanded Interac e-Transfer® menu, tap Manage contacts.

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

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

  6. 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. 

  7. 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.

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

Send Interac e-Transfer®


Use the interactive tutorial to learn quickly and easily. >>​​


  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.

    Add the amount you want to send.

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

    Tap Continue to confirm transfer details.

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


Accept an Interac e-Transfer®



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

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

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

  4. Click Deposit.

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

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

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

  8. Click Accept.

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

  10. Click Continue.

  11. You can select Navigate to at the bottom of the screen, and click My Access.

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

Cancel an Interac e-Transfer®


Use the interactive tutorial to learn quickly and easily. >>


  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.

  3. Select history from the dropdown menu.

  4. Select Pending transactions.

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

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

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

  8. Tap Continue to finalize the cancelled transaction.




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.

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

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

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

  8. 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.

  4. 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 or Print the document if needed.

Make Tax Payments



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

  2. Select Transfers & Payments on the app side menu then Pay corporate taxes.

  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.

  11. Tap Continue.

  12. Confirm tax details and tap Continue.

  13. Tax successfully paid.




Settings & Security

Reset Password




  1. Click Sign in.

  2. Select Forgot Password.

  3. Enter your username.

  4. Select an identification method. Enter either your email address or mobile number used in enrollment for you to receive the code.

  5. Click continue.

  6. Based on the selected method of authentication, check your email or phone to enter the one-time code.

  7. Enter the code.

  8. Enter the new password.

  9. Re-enter the new password.

  10. Click Confirm.

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, as well as your current password, to proceed.

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

Set up alerts



Learn how to set up account/security alerts for everyday banking on both the mobile app and desktop version of our digital banking platform.
  1. Tap the hamburger menu button in the top left corner of the screen.

  2. Select Alerts from the app side menu.


Account alerts


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

  1. Select Account from the dropdown menu.

  2. Under the Select an account heading, select the specific account you would like to set up to receive alerts.

  3. Select the Transaction Type(s) you would like to set up the alert for (ex. each time a Withdrawal is made).

  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 alert.)

  5. Complete the specific requirements that will initiate an alert to be sent. (ex. each time a withdrawal exceeds $2,000.)

  6. 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. Select Security from the dropdown menu.

  2. Select 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 alert.)

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



Set Up Favourite Transactions



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

  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 (Select Add to favourites on Desktop) button to complete adding the transaction to your favourites.

  4. To access your favourite transaction directly from the My Access page, select the Navigate icon and then My Access from the dropdown list.

  5. Under the Favourites category, select your intended transaction or select Show more to see the full list of transactions if it is not immediately available.

  6. Select the Use icon, and confirm the summary of your Favourite transaction.

  7. Tap Finish at the bottom of your screen to complete the transaction.
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