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Credit unions are financial co-operatives that operate on the fundamental principle of democratic ownership – one member, one vote.


Why join Access Credit Union?


Membership means something at Access Credit Union. As a member-owner, you gain the opportunity to participate in a successful co-operative financial institution that works to better your financial life, as well as make a positive contribution to the communities you live, work, and play in.

As a co-operative, we also follow the Co-Operative Principles. These principles are based on the values of self-help, self-responsibility, democracy, equality, equity and solidarity, and guide many of the decisions we make every day.

Our Member Rewards program also offers each member the opportunity to share in our earnings. It’s a reward for being a loyal member of your credit union. In 2021, we paid our valued members $8.2 million in cash back based on on 2020 successes. 

Who can join?


Co-operatives are voluntary organizations open to all persons able to use their services and willing to accept the responsibilities of membership without gender, social, racial, political, or religious discrimination. Anyone who wishes to join and meets the membership requirements can become a member of Access Credit Union.
More reasons to join Access Credit Union:

  • Get financial solutions tailored to your needs. Access employees help you develop flexible solutions that fit your story. We have the right products for you at any stage in life.
  • Bank remotely and get the support you need. From our mobile app to our Member Solutions Centre, we help you get your banking done.
  • Have democratic control over decisions. Access Credit Union is a democratic organization controlled by our members who actively participate in setting policies and making decisions.
  • Contribute to a better credit union. Members contribute equitably to, and democratically control, the capital of their co-operative. At least part of that capital is usually the common property of the co-operative.
  • Receive education and training so we are stronger together. Access Credit Union provides education and training for our members and employees so we can all contribute effectively to the development of our credit union.
  • Care for your community. Access Credit Union works for the sustainable development of our communities through policies approved by their members, which include charitable giving, volunteerism, and community involvement.
If these values are important to you as well, consider joining close to 85,000 others who benefit from membership with Access Credit Union!
Becoming a member of Access Credit Union has never been easier.

You can open any personal chequing, savings or investment accounts from the comfort of your own home or anywhere you happen to be! It's fast, easy and secure.

What you'll need to join:

Personal Identification Requirements

In order to approve your application for membership, we require two (2) pieces of personal identification from among those listed in Part A (Primary ID) and Part B (Secondary ID). At least one piece of identification must be from Part A (Government Issued Photo ID). The identification you present to us must be original, current, and valid (not expired).

We may ask your permission to contact the issuer of any identification document in order to verify that document.

Part A — Acceptable Identification (at least one of two required)

Government issued Photo ID — Original, Current, and Valid

  • Canadian Passport
  • Foreign Passport
  • Canadian Driver's Licence
  • Foreign Driver's Licence
  • Manitoba Enhanced Driver's Licence
  • Manitoba Identification Card
  • Manitoba Enhanced Identification Card
  • ID Card issued by other Province or Territory
  • Permanent Resident Card
  • Citizenship card (issued prior to 2012)
  • Secure Certificate of Indian Status issued by Government of Canada
  • NEXUS Card
  • Free and Secure Trade (FAST) Card
  • Civil Service Identification Card
  • Corrections Conditional Release ID Card
  • Fire Arms Permit

Part B — Acceptable Identification

Acceptable secondary identification documents (only accepted with a piece of identification listed under Part A)

Issued by a Canadian Government Body — Original, Current, and Valid

  • Temporary driver's license (non-photo)
  • Citizenship Certificate
  • Marriage Certificate
  • Original Canadian Birth Certificate
  • Divorce Documentation
  • Work, Travel, Student Visa (immigration form IMM1442)
  • Corrections Conditional Release Letter
  • Canadian National Institute for the Blind (CNIB) client card bearing the individual's photograph and signature
  • CPP Statement
  • Property tax assessment issued by a city or municipality
  • Provincially-issued vehicle registration
  • Benefit statement —Federal, Provincial, Territorial, and municipal level
  • CRA documents:
    • Notice of Assessment
    • Requirement to pay notice
    • Installment reminder/receipt
    • GST refund letter
    • Benefits statement

Issued by other Canadian Sources — Original, Current, and Valid

  • Insurance documents (home, auto, life)
  • School ID (if it contains date of birth)
  • MMF (Métis) ID Card
  • Utility bills
  • T4 Statement
  • Record of Employment (ROE)
  • Bank or Investment account statement

We'll need:

  • Business Name Registration or Business Name Renewal (if the Business Name Registration is three years or older)
  • two pieces of identification; see Personal Identification Requirements above for accepted documentation

We'll need:

  • Business Name Registration or Business Name Renewal (if the Business Name Registration is three years or older)
  • Partnership Agreement
  • two pieces of identification for each partner who will be signing the membership documentation on behalf of the partnership; see Personal Identification Requirements above for accepted documentation

We'll need:

  • Business Name Registration or Business Name Renewal (if the Business Name Registration is three years or older)
  • Partnership Agreement
  • two pieces of identification for each partner who will be signing the membership documentation on behalf of the partnership; see Personal Identification Requirements above for accepted documentation
  • Limited Partnership Agreement prepared by a lawyer
  • Certificate of Limited Partnership/Declaration of Limited Partnership
  • Application for Registration of a Limited Partnership

We'll need:

  • Articles of Incorporation (if the articles are older than two years, the most recent Annual Return is also required)
  • if the business is operating under a registered trade name, we require the Registration of a Business Name or Business Name Renewal (where the Business Name Registration is three years or older)
  • Charitable Registration Number (if the corporation is a registered charity)
  • two pieces of identification for each individual who will be signing the membership documentation on behalf of the corporation and/or will be an authorized signor on the account(s); see Personal Identification Requirements above for accepted documentation
  • name, address, and occupation of all individuals who own or control, directly or indirectly, 25% or more of the corporation
  • if applicable:
    • Notice of Change of Directors (if recently incorporated or if directors have changed since incorporation)
    • Articles of Amendment (if the original Articles of Incorporation have been changed/amended)
    • Articles of Amalgamation (if original incorporated entity has amalgamated with another incorporated entity)
  • additional documentation may be requested by your financial advisor

We'll need:

  • one of the following signed documents to confirm who has proper signing authority to operate the organization's account(s):
    • copy of board minutes dated and authorized
    • authorized letter on the organization's official letterhead
  • Request for Name Notation or Renewal of Name Notation (if applicable)
  • two pieces of identification for each individual who will be signing the membership documentation on behalf of the organization and/or will be an authorized signor on the account(s); see Personal Identification Requirements above for accepted documentation
  • name, address, and occupation of all individuals who will exercise control over the organization and/or the account(s)



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Simply log in to your account via online banking or mobile app, navigate to the "Accounts" section, and select "Open account" to follow the easy steps to open an account yourself!

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