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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 How to Use Digital Banking
Mobile App
Mobile App
Download the Access Credit Union app for iOS or Android to bank using your mobile phone or iPad.
Desktop and Tablet
Desktop and Tablet
Use Access Credit Union's Online Banking platform to bank from your desktop computer or tablet.
Frequently Asked Questions
Frequently Asked Questions
Need help with something specific? We've compiled the most common questions about digital banking.
Getting Started on the Mobile App
Logging in to the new digital banking for the first time.
Update or install the MOBILE BANKING APP:
iOS (Apple devices):
If you currently have the app, please ensure it is updated by checking the App Store "Updates" section. Or, delete and reinstall the app from your device.
If you don't have the app installed, you can find it 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.
iOS (Apple devices):
If you currently have the app, please ensure it is updated by checking the App Store "Updates" section. Or, delete and reinstall the app from your device.
If you don't have the app installed, you can find it 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:
Please help other members find the app by rating/recommending it to earn more visibility in search rankings.
- Sign in using your 16 or 19 digit number on the front of your debit card.
Tap Continue.
- To verify your identity, tap the calendar to select your date of birth.
- Use the arrows on the calendar to move through and select your date of birth by tapping on it and tapping OK.
- Enter your mobile phone number or email address we have on file for you. Tap Confirm. You do not need to complete both authentication methods.
If you are unsure about or would like to verify which mobile number/email address we have on file for you, please give us a call at 1.800.264.2926.
- Enter the code that was sent to your mobile phone or email address. Tap Confirm.
- Hit Continue.
- Set up your username.
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.
- The guidelines for your unique username are:
- Choose a unique password using the following criteria:
- Alphanumeric
- Minimum 10 characters
- Maximum 35 characters
- 1 uppercase letter
- 1 lowercase letter
- 1 number
- Optional: 1 symbol (this is not displayed on the password indicator but is allowed)
- dash -
- underscore _
Tap the checkbox "I have read and accept the Direct Service Agreement"
Tap Continue. -
- Alphanumeric
- Confirm your details and tap Create user profile.
- Tap Proceed to Sign In.
Sign in using your newly created Username and Password.
Customize your app experience by adding a personalized Profile Picture.
- Login to the app and tap the profile picture/icon at the top left.
- Select Customize pictures.
- You can choose to select an image for your profile or background picture, or take a new photo.
- Adjust your image and press Save.
Repeat steps 3 and 4 to change both your profile and background picture. - Your picture(s) will be saved and show up immediately on the app.
Looking for other ways to customize your app? Check out Settings & Security.
Mobile App Transactions
Deposit a cheque
Mobile cheque deposit is available via mobile app only.
- Login to the app and tap Mobile Deposit.
- Choose which account you would like to deposit to and the amount of the cheque.
- Select the camera icon to take a picture of the front of the cheque. To make it easier for the camera to read the cheque, make sure you're using a plain, dark background.
- The camera will automatically open, please take a picture of your cheque manually.
- Repeat the process to take a picture of the back of the cheque.
- Press Continue.
- Confirm the details and select Continue.
- Mobile deposit successfully completed. Press Done to go back to the dashboard.
Transfer to another Access CU member
- Login to the app and tap Move Money in the bottom navigation.
- Select Transfer funds.
- Select the account that you would like to transfer from.
Click the radio button beside Another Access CU member.
Enter the 12-digit account number of the member receiving the transfer.
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…).
Tap Continue.
- Confirm transfer details and tap Continue.
- This type of transaction requires an Authentication code sent to your email or mobile phone number, enter the code you received and tap Continue.
*Note: Some devices offer the ability to "Use from messages" right as a code appears in your inbox, without having to leave the app.
- Transfer successfully completed.
Send and schedule transfers between accounts
- Login to the app and tap Transfers in the bottom navigation.
- Select the account that you would like to transfer from.
Select the account you would like to transfer to.
Enter the Amount.
- Select Immediate, Scheduled or Recurring as the Transfer type.
If you selected Scheduled, choose 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.
- The transfer details will be displayed for you to confirm. Once okay, hit Continue.
- A confirmation that the transfer has successfully been completed will be displayed.
Easily set a favourite transaction to use again.
To set up a Favourite Transaction:
- Immediately after completing a transaction that you would like to add to your favourites (ex. transfer from Chequing to Savings), select the 3-dot icon in the bottom left.
- Tap the Favourite icon
- Enter the Name for your transaction and press Continue
- Your transaction is now saved as a Favourite and you can view it from the Dashboard
To view and use current Favourite Transactions:
- You can view your favourite transactions right on your dashboard under Favourites.
Tap on the transaction you would like to complete.
- Press the 3-dot icon on the bottom right.
- Press the Use icon.
- Confirm the details are correct and press Continue.
- Tap Continue again to complete the transaction.
Add a Bill Payee
- Login to the app and tap Move Money in the bottom navigation.
- Tap on Payments tab at the top.
- Select Manage payees.
- Press the ‘+’ icon in the top right.
- Search the payee’s name and select the correct one.
- Enter your payee account number.
- Confirm the payee’s details and press Continue.
- This type of transaction requires an Authentication code sent to your email or mobile phone number, enter the code you received and tap Continue.
- Payee successfully added.
Send or schedule a bill payment
- Login to the app and tap Pay Bills.
- Choose which Account you would like to pay a bill from and select Add Payment.
- 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.
- Select Add payment.
- 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 and confirm the payment.
Set up a recurring bill payment
- Login to the app and tap Pay Bills.
- 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.
- Select a Payee Name by using the Pay to dropdown box, then enter the Amount.
- Select Frequency of payment, then choose the start date and end date by using the calendar icon. Tap Continue.
Confirm your payment details and tap Continue. - Payment successfully scheduled.
Add Interac e-Transfer® contact
- Login to the app and tap Move Money in the bottom navigation.
- Select Interac e-Transfer ® in the top bar.
- Choose Manage contacts.
- Select the ‘+’ symbol in the top right.
- Enter the contacts Name, Email or Mobile phone, and Security question
Then select Continue. - Confirm the contact details then tap Continue.
- This requires an Authentication code sent to your email or mobile phone number, enter the code you received and tap Continue.
Your contact has been successfully added.
Send Interac e-Transfer®
- Login to the app and tap Interac e-Transfer ®.
- 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. - Confirm the transfer details and click Continue
- Transfer successfully sent.
Accept an Interac e-Transfer®
You can receive Interac e-Transfer notification via text message, email, or both.
- Tap the "Deposit your Money" link received on either text or email.
- Select Manitoba for Province, and select Access Credit Union under the Credit Union dropdown.
- Choose Open in app.
- Enter the Security answer then tap Accept.
- Deposit the e-Transfer to the desired deposit account.
Optional: You can enter a message to deliver to the sender
Tap Continue. - Confirm the transfer details and select Continue.
Cancel an Interac e-Transfer®
- Login to the app and tap Move Money in the bottom navigation.
- Select Interac e-Transfer ® in the top bar.
- Choose History.
- Select the Pending transactions.
- Choose the transaction listed that you would like to cancel.
- Tap on the 3-dot icon at the bottom left and select Cancel.
- Confirm you have selected the correct transfer and press Continue.
- E-Transfer successfully cancelled. Tap Done to finish.
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:
- Login to the app and tap Move Money in the bottom navigation.
- Select Interac e-Transfer ® in the top bar.
- Press Autodeposit settings.
- Tap on the ‘+’ symbol on the top right to set up a new Autodeposit.
- Enter your details:
Choose whether you would like to setup an email or mobile phone number.
Enter your email or phone.
Select the account you want to setup.
Press the acknowledgment checkbox.
Tap Continue. - Confirm your Autodeposit details and press Continue.
- This type of setup requires a one-time password. Enter the code you received by text or email and select Continue.
- Setup is almost complete. Next a confirmation link will be sent to either your email or mobile phone.
- Open up the confirmation email or text you received and select the button or link labelled Complete registration.
- You are now setup for Autodeposit.
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 eStatements
- Login to the app and tap Activity in the bottom navigation.
- Select View eStatements.
- Choose which eStatement account you would like to view by tapping on the box under Select an eStatement account.
- Select the year of the eStatement you are looking for.
- Tap on the month of the eStatement you would like to view.
Mobile App Settings & Security
Send or schedule a bill payment
- Login to the app and tap Pay Bills.
- Choose which Account you would like to pay a bill from and select Add Payment.
- 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.
- Select Add payment.
- 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 and confirm the payment.
Set up a recurring bill payment
- Login to the app and tap Pay Bills.
- 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.
- Select a Payee Name by using the Pay to dropdown box, then enter the Amount.
- Select Frequency of payment, then choose the start date and end date by using the calendar icon. Tap Continue.
Confirm your payment details and tap Continue. - Payment successfully scheduled.
Reset your Password
- On the app sign-in screen tap Sign in.
- Select Forgot username or 'password?'.
- Press 'Forgot password?'.
- Enter your username and mobile phone number.
Tap Continue.
- This requires a one-time password sent to your mobile phone. Enter the code you received by text into the box.
- Enter your new password and then re-enter it again below under Confirm new password.
Tap Confirm.
- Your password has been successfully reset. Please go back to login again with your new password.
How to Use Digital Banking on Desktop and Tablet
Mobile App
Mobile App
Download the Access Credit Union app for iOS or Android to bank using your mobile phone or iPad.
Desktop and Tablet
Desktop and Tablet
Use Access Credit Union's Online Banking platform to bank from your desktop computer or tablet.
Settings & Security
Settings & Security
Learn how to reset your password, retrieve your username, and set up alerts for digital banking.
Getting Started
Send or schedule a bill payment
- Login to the app and tap Pay Bills.
- Choose which Account you would like to pay a bill from and select Add Payment.
- 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.
- Select Add payment.
- 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 and confirm the payment.
Set up a recurring bill payment
- Login to the app and tap Pay Bills.
- 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.
- Select a Payee Name by using the Pay to dropdown box, then enter the Amount.
- Select Frequency of payment, then choose the start date and end date by using the calendar icon. Tap Continue.
Confirm your payment details and tap Continue. - Payment successfully scheduled.
Add a Profile Picture
Customize your experience by adding a personalized Profile Picture. To add a profile picture:
- In online banking click the My Access tab. Then under Settings, click on Profile details.
- Click the Camera icon to add a photo.
Select the photo you would like to choose and press Add.
- Click Save.
- The profile picture is added!
Looking for other ways to customize your app? Check out Settings & Security.
Transactions
Transfer to another Access CU member
- From the "My Access" page, click on Transfers & Payments dropdown menu, then Transfer funds under Transfers.
- Under “Transfer from”, select which account you would like the funds to come out of.
- Under “Transfer to” select “Another Access CU member”.
Type in the member account number
- 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
- Confirm transfer details and click Continue
- This type of transaction requires an Authentication code sent to your email or mobile phone number. Enter the code you received and click continue.
- Transfer successfully completed.
Send and schedule transfers between accounts
- Login to the app and tap Transfers in the bottom navigation.
- Select the account that you would like to transfer from.
Select the account you would like to transfer to.
Enter the Amount. - Select Immediate, Scheduled or Recurring as the Transfer type.
If you selected Scheduled, choose 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. - The transfer details will be displayed for you to confirm. Once okay, hit Continue.
- A confirmation that the transfer has successfully been 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:
- 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.
- Click the Enter 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 hover over the Accounts tab, select Favourite transactions under Accounts.
- If you wish to use a favourite transaction select the Use icon.
- Make any changes you require and select Continue at the bottom of the screen.
- Confirm the details and select Continue.
- The transaction is complete.
Add a payee
- Select Transfers & Payments at the top of the page and click Manage Payees under Payments to add in a payee.
- Select Add payee at the top of the page.
- 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 and enter the payee account number and click Continue.
- Confirm your Payee details and click Continue.
- This transaction requires Authentication, a code will be sent to your email or mobile number. Enter in the code you received and click Continue.
- Payee successfully added.
Send or schedule a bill payment
- Login to the app and tap Pay Bills.
- Choose which Account you would like to pay a bill from and select Add Payment.
- 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.
- Select Add payment.
- 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 and confirm the payment.
Set up a recurring bill payment
- Login to the app and tap Pay Bills.
- 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.
- Select a Payee Name by using the Pay to dropdown box, then enter the Amount.
- Select Frequency of payment, then choose the start date and end date by using the calendar icon. Tap Continue.
Confirm your payment details and tap Continue. - Payment successfully scheduled.
Add Interac e-Transfer® contact
- Login to the app and tap Move Money in the bottom navigation.
- Select Interac e-Transfer ® in the top bar.
- Choose Manage contacts.
- Select the ‘+’ symbol in the top right.
- Enter the contacts Name, Email or Mobile phone, and Security question
Then select Continue. - Confirm the contact details then tap Continue.
- This requires an Authentication code sent to your email or mobile phone number, enter the code you received and tap Continue.
Your contact has been successfully added.
Send Interac e-Transfer®
- Login to the app and tap Interac e-Transfer ®.
- 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. - Confirm the transfer details and click Continue
- Transfer successfully sent.
Accept an Interac e-Transfer®
You can receive Interac e-Transfer notification via text message, email, or both.
- Tap the "Deposit your Money" link received on either text or email.
- Select Manitoba for Province, and select Access Credit Union under the Credit Union dropdown.
- Choose Open in app.
- Enter the Security answer then tap Accept.
- Deposit the e-Transfer to the desired deposit account.
Optional: You can enter a message to deliver to the sender
Tap Continue. - Confirm the transfer details and select Continue.
Cancel an Interac e-Transfer®
- Login to the app and tap Move Money in the bottom navigation.
- Select Interac e-Transfer ® in the top bar.
- Choose History.
- Select the Pending transactions.
- Choose the transaction listed that you would like to cancel.
- Tap on the 3-dot icon at the bottom left and select Cancel.
- Confirm you have selected the correct transfer and press Continue.
- E-Transfer successfully cancelled. Tap Done to finish.
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:
- Login to the app and tap Move Money in the bottom navigation.
- Select Interac e-Transfer ® in the top bar.
- Press Autodeposit settings.
- Tap on the ‘+’ symbol on the top right to set up a new Autodeposit.
- Enter your details:
Choose whether you would like to setup an email or mobile phone number.
Enter your email or phone.
Select the account you want to setup.
Press the acknowledgment checkbox.
Tap Continue. - Confirm your Autodeposit details and press Continue.
- This type of setup requires a one-time password. Enter the code you received by text or email and select Continue.
- Setup is almost complete. Next a confirmation link will be sent to either your email or mobile phone.
- Open up the confirmation email or text you received and select the button or link labelled Complete registration.
- You are now setup for Autodeposit.
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 eStatements
- Login to the app and tap Activity in the bottom navigation.
- Select View eStatements.
- Choose which eStatement account you would like to view by tapping on the box under Select an eStatement account.
- Select the year of the eStatement you are looking for.
- Tap on the month of the eStatement you would like to view.
Settings & Security
Deposit a cheque
Mobile cheque deposit is available via mobile app only.
- Login to the app and tap Mobile Deposit.
- Choose which account you would like to deposit to and the amount of the cheque.
- Select the camera icon to take a picture of the front of the cheque. To make it easier for the camera to read the cheque, make sure you're using a plain, dark background.
- The camera will automatically open, please take a picture of your cheque manually.
- Repeat the process to take a picture of the back of the cheque.
- Press Continue.
- Confirm the details and select Continue.
- Mobile deposit successfully completed. Press Done to go back to the dashboard.
Send and schedule transfers between accounts
- Login to the app and tap Transfers in the bottom navigation.
- Select the account that you would like to transfer from.
Select the account you would like to transfer to.
Enter the Amount. - Select Immediate, Scheduled or Recurring as the Transfer type.
If you selected Scheduled, choose 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. - The transfer details will be displayed for you to confirm. Once okay, hit Continue.
- A confirmation that the transfer has successfully been completed will be displayed.
Send or schedule a bill payment
- Login to the app and tap Pay Bills.
- Choose which Account you would like to pay a bill from and select Add Payment.
- 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.
- Select Add payment.
- 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 and confirm the payment.
Set up a recurring bill payment
- Login to the app and tap Pay Bills.
- 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.
- Select a Payee Name by using the Pay to dropdown box, then enter the Amount.
- Select Frequency of payment, then choose the start date and end date by using the calendar icon. Tap Continue.
Confirm your payment details and tap Continue. - Payment successfully scheduled.
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 or retrieve your username following the steps below:
- Click on the 'Forgot Username' below the username field.
- Enter mobile or email address, click Confirm.
- This action requires an authentication code which will be sent to your mobile or email that you entered in Step 2.
- Check for code and enter in pop up screen. Confirm.
- Click Continue.
- Enter password and Continue.
- Username is sent to either mobile or email as indicated in step 2.
- If you have multiple logins (such as business and personal), you may need to select which username you forgot. All usernames associated with your contact information will be sent.
- Continue to login.
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.
Please note, the mobile app is not available for smart watches, or tablets. 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. Choose "Mobile Deposit" and follow the prompts.
If you would like to get started with digital banking, simply call our Member Solutions Centre at 1.800.264.2926 or visit one of our branches to get you set up.
After you're set up, visit the "Getting Started" tutorial for mobile app or desktop/tablet to guide you through the next steps.