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.

Digital Banking

Where you need us to be—at home, on the go, right at your fingertips.

We put the best available digital banking technology in your hands to be where you need us to be. Reference this page for tutorials and information on our digital banking platforms.



Are you on the most current app version?


Members who may be experiencing intermittent issues with logging in may not be on the most current app version.

The most current app versions are:

        iOS 16.1.4

        Android 16.1.2

To check which app you are on, tap on the hamburger menu icon on the top left corner of your app screen, then navigate to 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.

Remote Banking Features

Explore more features available remotely. 

How to use Digital Banking:

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

getting started icon

Getting Started

  • Ways to bank

  • Log in for the first time


Transactions

  • Deposit a cheque

  • Send and schedule transfers

  • Send and schedule bill payments

  • Send Interac e-Transfers®

  • View and manage transactions

  • Check and export transactions and eStatements

Settings & Security

  • Reset password

  • Retrieve username

  • Set up alerts

  • Set favourite transactions




Getting Started

Ways to Bank


Our members can access their 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.

Logging in to the new 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, 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.

  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.




Transactions

Deposit a cheque


Remote cheque deposit is available via mobile app only.


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

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

  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 () in the top left corner of the screen to reveal the side menu.

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

  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.


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.
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 you Access Credit Union mobile app or 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.

  4. Select and 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 to confirm your details, and then click Continue again.

  6. 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.

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

  8. 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


  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. 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.




Settings & Security

Reset Password

  1. Click Sign in.

  2. Select Forgot Password.

  3. Enter your username.

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

  5. Click continue.

  6. Check your phone for 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 icon () in the top left corner of the screen to reveal the side menu.

  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.

Frequently Asked Questions

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

If you’re having trouble logging in, the most likely reason is that you haven’t logged in to online banking or the mobile app for quite some time. For your security and protection, we deactivate accounts that are not being used. To regain access, call us at 1.800.264.2926.
Two-factor authentication is an electronic security function in which a user is granted access to a feature or transaction only after successfully providing two distinct forms of identification. Once you use your password to log in to online banking or the mobile app, we use authentication codes as an added layer of security for key transactions. These codes are sent to your email or mobile phone and must be input into the platform when prompted.
First, check your spam or junk folder. If you don’t find it, wait for 10 minutes before you click "Resend the Code" on your confirmation screen to try again. If you end up receiving 2 codes, use the latest one that was sent to you. 
You can sign in using your debit card number in place of your username and you can contact us to assist with recovering your username.
No, once you’ve chosen a username, you won’t be able to change it.
In online banking go to Settings, click Password and follow the instructions.

In the mobile app, navigate to the menu, select Settings then tap Password and follow the instructions.

You must have a valid mobile phone number or email address on file to complete this action.
Yes, you will need to either download or update a new app.

iOS Users
If you use the mobile app on an Apple device you will need to update the app in order to access online banking starting June 17th. The 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 Users
If you use an Android device you will need to install the new app on the Google Play Store. Search for “Access CU” or by using this direct link.

There is no mobile banking app needed for tablets. Starting June 17th please use the website to access online banking from your tablet.
Please note, the mobile app will not be available for smart watches, iPads, or tablets when we launch. However, you can access online banking through your device’s browser.
Yes, you will be able to continue to use your mobile app to deposit cheques remotely. Today, you select Deposit Anywhere™, but in the new platform, you’ll choose Mobile Deposit to deposit a cheque remotely.
If you would like to get started with digital banking before we launch to our new platform, simply call us at 1.877.700.2736 or visit one of our branches. We will set you up with a temporary Personal Access Code (PAC). You will use this PAC, along with your 16-digit MEMBER CARD® debit card, to log in for the first time. Then, follow the prompts to accept our Direct Service Agreement (DSA) and choose a new password. For more details, ask for our Online and Telephone Banking brochure when you call or visit a branch.
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