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Ways to Bank

Bank the way you like

Manage your money easily and securely, the way you want, where and when you want.

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Get started with ACU online banking

You will need your 16-digit debit card number (For businesses, use your Login ID), your current Personal Access Code (PAC) and either a valid mobile phone number or email address.

Go to www.acu.ca and click the “Sign In” button located in the top right-hand corner of the screen.

Step 1: Sign in using your current login credentials

That’s the 16 digits on your debit card (or Login ID) and your Personal Access Code (PAC).

Step 2: Set up a new username

Avoid using only your name. Choose a unique username that you'll remember because once you create it, you can't change it. Your user name can be up to a maximum of 35 alphanumeric characters. Special characters are optional.

Step 3: Set up a new password

Choose a password with a minimum of 10 characters (35 characters max) with at least one uppercase letter, one lowercase letter and one number. Special characters are optional.

Step 4: Verify your identity

You’ll need to enter your mobile phone number or email address.  If the contact information entered does not match the information we have on file a verification code will be sent to the mobile phone number or email address you entered. Enter that code in the verification pop-up, click “Confirm”.

Note: You will not receive a verification code if the contact information you entered matches the information we have on file.

Step 5: Confirm sign in details

If everything is correct, click “Create user profile” to finalize your new sign in information. Now whenever you sign in to online banking use your new username and new password.

Visit your app store to download ACU mobile app so you can bank anywhere, anytime.

Note: The new ACU mobile app has a dark background and looks like this:

When you go to your current ACU mobile banking app, it will direct you to the appropriate store (Apple's App Store and Google's Play Store) to download the new app.



watch the video
Interactive demo

You will need your 16-digit debit card number (for businesses, use your Login ID), your date of birth and either a valid mobile phone number or email address.

Go to www.acu.ca and click the “Sign In” button located in the top right-hand corner of the screen.

Step 1: Sign in using your debit card (or Login ID)

That’s the 16 digits on the front of your debit card (or Login ID).

Step 2: Verify your identity

You’ll need to enter your date of birth and either your mobile phone number or the email address we have on file for you. You will receive a verification code either through a text message or email. Enter that code in the verification pop-up, click “Confirm”.

Step 3: Set up a new username

Avoid using only your name. Choose a unique username that you'll remember because once you create it, you can't change it. Your user name can be up to a maximum of 35 alphanumeric characters. Special characters are optional.

Step 4: Set up a new password

Choose a password with a minimum of 10 characters (35 characters max) with at least one uppercase letter, one lowercase letter and one number. Special characters are optional.

Step 5: Confirm sign in details

If everything is correct, click “Create user profile” to finalize your new sign in information. Now whenever you sign in to online banking use your new username and new password.

Visit your app store to download ACU mobile app so you can bank anywhere, anytime.

Note: The new ACU mobile app has a dark background and looks like this:

When you go to your current ACU mobile banking app, it will direct you to the appropriate store (Apple's App Store and Google's Play Store) to download the new app.


Get started with ACU mobile banking

The ACU mobile banking app works on the following mobile operating systems:

  • Apple (iOS): the current iOS version and the last 2 major versions - as of November 2020, that would be 12, 13 and 14. Compatible with iPhone only.
  • Android: the current Android version and the last 4 major versions - as of November 2020, that would be 7, 8, 9 and 10.


watch the video
Interactive demo

You will need your 16-digit debit card number (for businesses, use your Login ID), your current Personal Access Code (PAC) and either a valid mobile phone number or email address.

Step 1: Download the app

If you were already using ACU mobile banking before and you're an iOS user, you’ll need to download the new ACU mobile banking app from Apple’s App Store.

Android users will need to delete the old ACU Anytime app and download the new ACU mobile app from the Google Play Store. Here is a direct link to the Android app: https://play.google.com/store/apps/details?id=com.celero.assiniboine

Note: The old ACU Anytime app has a white background, and the new ACU mobile app has a dark background.

Step 2: Sign in using your current login credentials

That’s the 16 digits on your debit card (or Login ID) and your Personal Access Code (PAC).

Step 3: Set up a new username

Avoid using only your name. Choose a unique username that you'll remember because once you create it, you can't change it. Your user name can be up to a maximum of 35 alphanumeric characters. Special characters are optional.

Step 4: Set up a new password

Choose a password with a minimum of 10 characters (35 characters max) with at least one uppercase letter, one lowercase letter and one number. Special characters are optional.

Step 5: Verify your identity

You’ll need to enter your mobile phone number or email address.  If the contact information entered does not match the information we have on file a verification code will be sent to the mobile phone number or email address you entered. Enter that code in the verification pop-up, click “Confirm”.

Note: You will not receive a verification code if the contact information you entered matches the information we have on file

Step 6: Confirm sign in details

If everything is correct, click “Create user profile” to finalize your new sign in information. Now whenever you sign in to online banking use your new username and new password.

You will need your 16-digit debit card number (for businesses, use your Login ID), your date of birth and either a valid mobile phone number or email address.

Step 1: Download our new app

It’s available on Apple's App Store and Google's Play Store. Here is a direct link to the Android app: https://play.google.com/store/apps/details?id=com.celero.assiniboine

Step 1: Sign in using your debit card (or Login ID)

That’s the 16 digits on the front of your debit card (or Login ID).

Step 2: Verify your identity

You’ll need to enter your date of birth and either the mobile phone number or email address we have on file for you. You will receive a verification code either through a text message or email. Enter that code in the verification pop-up, click “Confirm”.

Step 3: Set up a new username

Avoid using only your name. Choose a unique username that you'll remember because once you create it, you can't change it. Your user name can be up to a maximum of 35 alphanumeric characters. Special characters are optional.

Step 4: Set up a new password

Choose a password with a minimum of 10 characters (35 characters max) and at least one uppercase letter, one lowercase letter and one number. Special characters are optional.

Step 5: Confirm sign in details

If everything is correct, click “Create user profile” to finalize your new sign in information. Now whenever you sign in to online banking use your new username and new password.

Features

Open account

Open an account online. You can open up your own chequing accounts, savings accounts, non-registered and registered (RRSP and TFSA) term deposits. Available for personal accounts only.

Activity timeline

We’ve added a useful "audit trail" where you can see all your past transactions on a timeline including sign in times, paycheque deposits, bill payments etc.


Device management

In the event that you lose your phone, you can protect yourself and your information by disabling mobile access from a desktop computer.


eStatements

eStatements are available to view on your mobile app.

One-time security codes (two-factor authentication)

As an enhanced security measure, we’ll send you a one-time security code through a text message to your mobile phone or through email to alert you when security sensitive activities are performed.


Personalized experience

  • Set up favourite transactions to save yourself time in the future
  • Decide which accounts you want visible and the order they display
  • Add or change your profile and background photos* with your own unique images
  • Create shortcuts to easily view your account balances without signing in. Up to 3 accounts can be added to view balances easily 
  • Set up 3D Touch Shortcuts on your Apple® device to view balances easily
  • Rename your accounts and set up a default (main) account
*Background picture only available on mobile app

Two-way secure messaging

Two-way secure messaging lets you safely communicate with us electronically within the ACU online banking and mobile app platforms.

View campaigns on dashboard

View our most current promotions and special offers in one convenient location.

Telephone banking

At ACU we are continually working to improve your banking experience. We have upgraded our automated telephone banking system on September 22, 2020, to a system that is widely used by top financial institutions across North America. Please review the following information to access your accounts.

Manage your money whenever you want, at home or on the go. Our automated telephone banking service is secure, confidential and available 24/7.

  • get balance and transaction information
  • transfer funds between your accounts
  • pay bills
  • change your Telephone Access Code (TAC)

To use telephone banking, you'll need a touchtone landline phone or mobile phone. To register, contact us and we'll set you up with a Telephone Access Code (TAC).

If you've never used telephone banking before, talk to us.

Visit any ACU branch or call our Member Communication Centre and we'll set up your telephone banking agreement and a Telephone Access Code (TAC) which you'll use to securely access your account information using your telephone.

Your Telephone Access Code can be changed after the first time you sign in to telephone banking.


To sign in, you'll use your member number and the Telephone Access Code provided to you for your first sign-in. As a first task for your first sign-in, change your Telephone Access Code to a number between 6 and 8 digits.

Please see Reaching and Navigating the new telephone banking below for accessing your accounts.

When the new telephone banking service is launched on September 22, you will sign in differently. Yes, the new telephone banking system will remember you, but with different personal credentials.

  • In the past, you signed in using the number from your debit card. With our new telephone banking, you’ll use your 8-digit member number. You can find this number when you sign in to online banking on your main page, under Account Summary. Or you can find it in the ACU mobile banking app, by selecting “Accounts”, then “Account Details” for a specific account. Your member number will display as Login ID. If you need help finding your member number please contact us
  • The first time you sign in, your Telephone Access Code will be the last four digits of your Social Insurance Number (SIN). After you sign in for the first time, you’ll be asked to create a new password (4 to 8 digits). For your own protection and privacy, please use a number between 6 and 8 digits.
  • After you've used the new telephone banking the first time, you will sign in with your member number and the Telephone Access Code you chose.

If you don't have a Social Insurance Number listed with us, please contact us, and we'll help you get you started.

Please see Reaching and navigating the new telephone banking below for accessing your accounts.

  • In the past, you made changes to your bill payees in telephone banking. For enhanced security purposes, you will now make changes to your bill payees through digital banking.
  • Rest assured, if you need assistance adding bill payees a branch or member communication centre representative will be happy to set them up for you.
  • Any bill payees you set up before September 22, 2020 will still be there when you sign into the new telephone banking service.
  • For enhanced security purposes, Member to Member transfers will no longer be available through telephone banking. If you wish to transfer money to another member you will be able to do so:
    • Through online banking or the mobile app: member to member transfers show in “transfer to” options.
    • In branch: either with your current member to member agreement, or with the 12-digit account number of the person you would like to transfer money to.


Registered and TFSA accounts in telephone banking are inquiry-only. Balances and transactions on those accounts are available for review.


  1. Call 204.958.8588 (in Winnipeg) or 1.877.958.8588 (toll-free outside Winnipeg, but within Canada). 
  2. Press 4 for ACU telephone banking. This will bring you to the telephone banking main menu.

Telephone banking main menu

  • For the Account Information menu , Press 1. (for details on the Account Information menu, see below)
  • To end call press 9 or hang up.
  • To repeat Menu enter #

Account Information menu

This is where you sign in.

  • Enter your member number followed by #
  • Enter your Telephone Access Code followed by #

Based on your type of accounts and setup, the menu options could be as follows:

  • For Chequing account information, Press 1. You will then hear a listing of all 12-digit chequing account numbers. Once you select an account, you will be able to:
    • Check your current balance and most recent deposit, by Pressing 1.
    • Review transactions, by Pressing 2. The transaction menu will include the following options: for recent cheques Press 1, for recent deposits Press 2, for recent transactions Press 3, for a specific cheque Press 4, for transactions and cheques by date range Press 5.
    • Transfer funds to and from your chequing and other accounts- you can transfer to and from any of your chequing or savings accounts from this menu, by Pressing 3. Chequing to Chequing (1), Chequing to Savings (2), Savings to Chequing (3), Savings to Savings (4),
  • For Savings account information (registered or non-registered Savings) information, Press 2. You will then hear a listing of all 12-digit savings account numbers. Once you select an account, you will be able to:
    • Check your current balance and recent deposits by pressing 1.
    • Review deposits and other transactions by pressing 2.
    • Transfer funds to and from your savings and other accounts- you can transfer to and from any of your chequing or savings accounts by pressing 3.
  • For Term Deposit information, Press 3. You will then hear a listing of all 12-digit Term Deposit numbers. Once you select a Term Deposit, you will be able to:
    • Check your current balance by pressing 1.
    • Review your transactions by pressing 2.
    • Review your Term Deposit’s interest information by pressing 3.
  • For Loan information, Press 4. You will then hear a listing of all 12-digit Loan numbers. Once you select a loan, you will be able to:
    • Check your current balance and recent payments by pressing 1.
    • Review your payments by pressing 2.
    • Check your upcoming payment dates and amount owning by pressing 3.
  • For Bill Payments, Press 5. The following message will be played: “to add or remove a vendor please go to online or mobile banking, contact our member communication centre, or visit one of our branches”.
    • To make a payment from a Chequing or Savings account, Press 1.
      • To select your payment to “vendor ___” Press 1 followed by the # sign.
      • Select from the following list, the account to transfer from:
        • From Account 12-digit account number
  • To change your Telephone Access Code, Press 6. You will then be asked to enter a new Telephone Access Code (4-8 digits) followed by the # sign. Next, the new Telephone Access Code will be repeated back to you and you will be asked to confirm it by pressing 1. You will also be able to re-enter another number if this is incorrect by pressing 2, or cancel the change altogether by pressing 9.
  • To speak to a Service Delivery Advisor, Press 0 now.
  • To return to the Main Menu, Press 9.
  • To repeat this menu, Enter #.
  • when you sign up for telephone banking, you're provided with a Telephone Access Code (TAC) number; this is different from your Personal Identification Number (PIN) which you use when accessing an ATM or making an Interac purchase
  • you’ll need your TAC each time you use telephone banking
  • your TAC number is a security code that keeps your account safe, so write down your TAC and keep it in a safe place, or memorize it 
  • never give your TAC to anyone else
  • when you receive your TAC, sign in and change it to a new number
  • if you ever forget your TAC, contact the Member Communication Centre; we'll ask you some questions to establish your identity and then set up a new TAC for you

 

 

Pay with your phone

Apple Pay lets you use your Apple device¹ to pay with your ACU debit card wherever you see the Apple Pay or contactless logo.

  • It’s quick, convenient and free to use
  • It’s secure with Touch ID

Get started with Apple Pay

iPhone:

  1. Open the Wallet app on your device
  2. Press the plus + sign in the upper right corner
  3. Follow the onscreen instructions to add your ACU card

Apple Watch:

  1. Open the Apple Watch app on your device
  2. Tap “Wallet & Apple Pay” and select “Add a credit or debit card”
  3. Follow the onscreen instructions to add your ACU card

Paying with Apple Pay

If you’re using an iPhone, hold it to the payment terminal with your finger on the home button. A beep and vibration will confirm your payment.

For an Apple Watch, hold the watch to the payment terminal and double click the side button. A tap and a beep with confirm your payment.

Where to Use Apple Pay

In-store:
Apple Pay is accepted at retailers that display the Apple Pay or contactless logo.

In-app purchases:
Use your ACU Debit Card to make purchases within apps by selecting the Apple Pay option. Learn how this works

In-Safari:
The Safari internet browser on your iPhone, iPad and Mac will indicate which online retailers accept Interac Debit for Apple Pay. Get more information.


 

¹Apple Pay is compatible with an iPhone 6 or higher, or an iPhone 5 with Apple Watch.

Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the US and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.

Add your ACU debit card to Samsung Pay to easily pay for purchases with your Samsung device.

  • It’s easy: Simply hold your device to the payment terminal.
  • It’s secure: Samsung Pay has built-in features to help ensure your accounts are secure.

Get started with Samsung Pay

Samsung Pay is available on the latest Samsung devices: Galaxy S9 & S9+, Galaxy S8 & S8+, Galaxy S7 & S7 edge, Galaxy S6, S6 edge & S6 edge+, Galaxy Note9/Note8/Note5, and Galaxy A8/A5.

Samsung Pay comes pre-installed on most recent Samsung phones. If you don't have the app, you can download it from the Google Play store. You’ll need to be signed in to your Samsung account to use Samsung Pay.

  1. Open Samsung Pay and register your Samsung Pay PIN.
  2. Follow on screen instructions to add your ACU debit card and then select your preferred method to verify the card.
  3. Select your desired security or authentication options.

Paying with your Samsung Pay:

  1. From the lock screen, swipe up from the home button or open the Samsung Pay app.
  2. Select your ACU debit card and authorize the payment using your PIN, fingerprint, or iris scan.
  3. Hold your phone over the payment terminal to complete your transaction.

There is no maximum value for Samsung Pay transactions, since each purchase is verified within Samsung Pay using PIN, fingerprint or iris scan. Please contact us at 204.958.8588 (toll free 1-877-958-8588) if you experience a situation where a retailer has imposed a limit on Samsung Pay transactions.

ACU will continue to monitor your total spending across the payment services that access your account, including your ACU debit card at retail locations via Samsung Pay. Samsung Pay purchases are included in your existing total limit.

Where to use Samsung Pay

Samsung Pay using your ACU debit card works wherever Interac Flash® is accepted. Just look for the Interac Flash logo or contactless symbol at the checkout. Some stores will also display the Samsung Pay logo. You cannot use Samsung Pay for international purchases.

Samsung Pay is governed in accordance with the Terms and Conditions that you accepted when adding your card to Samsung Pay, and the ACU debit card Agreement that you signed when receiving your card.

Google Pay is the fast, simple way to pay in millions of places — online, in stores, and more. It brings together everything you need at checkout and protects your payment info with multiple layers of security. Plus, you can manage your account wherever you want - on the web or in the app. When you pay in shops, Google Pay doesn’t share your actual card number, so your information stays secure. Plus, you can check out faster with the device that’s already in your hand – no need to dig for your wallet.

Adding a card to Google Pay is easy

On your smartphone:

  1. Download Google Pay from the Google Play Store.
  2. Open the Google Pay app.
  3. Tap the (+) sign.
  4. Follow the on-screen instructions to add your ACU debit card

On your wearable:

  1. Open Google Pay on the watch.
  2. Tap (+) to Add Card to choose from cards on your phone.
  3. Follow the on-screen prompts to complete setup.

Paying with Google Pay

With your smartphone:

  1. Unlock your phone.
  2. Hold your phone over the terminal until you see a blue check mark on the screen.

With your wearable:

  1. On your watch, open the Google Pay app.
  2. Hold your watch over the contactless payment terminal until you hear a sound or feel vibration from your watch.

When paying within apps

With Google Pay, you can check out in apps without having to enter your payment information. Shop, order takeout, or get tickets to that just-announced show with the simple press of a button.

Where to use Google Pay

Google Pay using your ACU debit card works wherever Interac Flash® is accepted. Just look for the Interac Flash logo or contactless symbol at the checkout. Some stores will also display the Google Pay logo.

You can also pay online and in-app wherever the Buy with Google Pay button is displayed.

 

Terms and Conditions

Google Pay is governed in accordance with the Terms and Conditions that you accepted when adding your card to Google Pay, and the ACU Debit Card Agreement that you signed when receiving your card.

Manage your account/make payments

Bill payments

You only need to do this once per vendor. After that, you can make your payments quickly and easily.

  1. Sign in
  2. If you’re using online banking click Transfers & payments, under Payments select Manage payees. If you’re using the mobile banking app, navigate to your menu “=”, select Payments and tap Manage payees
  3. Click the + symbol if you’re using our app, or the Add payee button if you’re on ACU’s online banking
  4. Search for the vendor name, enter your payee account number and confirm your payee details
  5. This request requires an additional security step. Select how you want to receive your confirmation code
  6. Enter the confirmation code you received to confirm that you want to add this bill payee and click Continue

watch the video
Interactive demo

To pay a bill, first create your payee list. If you're already set up to pay bills, then you're ready to go:

  1. Sign in to ACU’s digital banking
  2. If you’re using online banking click Transfers & payments, under Payments select Pay bills. If you’re using the mobile banking app, navigate to your menu “=”, select Payments and tap Pay bills
  3. Choose the account you’d like to pay from. If you’re using our app click Add Payment
  4. Select the bill vendor and enter the payment amount
  5. Change the payment date if you wish to schedule the bill payment for a future date
  6. Click Continue when you’re done and confirm your payment
  7. Click Add Payment if you’re using our app, click Continue and confirm your payment

watch the video
Interactive demo

Simply use the “Schedule recurring payments” option to set up recurring payments in online banking or in the mobile banking app. You can schedule a recurring bill payment up to three years in advance.

  1. Sign in
  2. If you’re using online banking click Transfers & payments, under Payments select Pay bills. If you’re using the mobile banking app, navigate to your menu “=”, select Payments and tap Pay bills
  3. Click on the Schedule recurring payments tab and select the account you will use to pay your bill
  4. Specify the vendor, amount, frequency of the payment and start and end date
  5. Confirm your payment
On a recurring payment series, you don’t have the ability to edit the “pay from” account, frequency, starting date, ending date, etc. To make changes you will have to delete the payment series and re-add it with the correct details.

Tip: Deleting a payee will not automatically delete any future-dated or recurring payments for this payee. Before deleting a payee, we recommend that you review the list of scheduled bill payments and delete any future payments to this payee as necessary.

  1. Sign in
  2. If you’re using online banking click Transfers & payments, under Payments select Manage payees. If you’re using the mobile banking app, navigate to your menu “=”, select Payments and tap Manage payees
  3. Find the payee and click on the trash icon
  4. Confirm the payee to be deleted

ACU’s digital banking offers a convenient way to cancel bill payments.

  • 1. Sign in to ACU’s digital banking
  • 2. If you’re using online banking click Transfers & payments, under Payments select View scheduled payments. If you’re using the mobile banking app, navigate to your menu “=”, select Payments and tap View scheduled payments
  • 3. Select the account the bill payment was made from
  • 4. Select the payment you would like to delete
  • 5. Confirm payment to be deleted

Did you know?

Payments that are visible in the Scheduled Payment menu can be cancelled online. If the payment is no longer visible you can contact us, prior to 8 p.m. the same day and we will attempt to cancel it for you. Note: service fees may be applied.

Interac e-Transfers®

With Interac e-Transfer you can receive and automatically deposit moneyUsing online or mobile banking, you can send money to anyone with:

  • An email address or mobile phone number
  • A bank account with a Canadian Financial Institution
  • Online banking access

To send someone an Interac e-Transfer, they need to be on your list of recipients.

  1. Sign in
  2. If you’re using online banking click Transfers & payments, under Interac e-Transfer select Manage contacts. If you’re using the mobile banking app, navigate to your menu “=”, select Interac e-Transfer and tap Manage contacts
  3. Click the + symbol if you’re using our app, or the Add contact button if you’re on ACU’s online banking
  4. Enter the recipient’s name, email address and/or mobile phone number and notification method
  5. Enter a security question that the recipient will know the answer to, as well as the security answer he or she must provide to receive and deposit the money
  6. Confirm your contact details
  7. This request requires an additional security step. Select how you want to receive your confirmation code
  8. Enter the confirmation code you received to confirm that you want to add this recipient and click Continue

watch the video
Interactive demo

To begin using Interac e-Transfers you must have a profile created and the recipient added to you contact list.

  1. Sign in
  2. If you’re using online banking click Transfers & payments, under Interac e-Transfer select Send money. If you’re using the mobile banking app, navigate to your menu “=”, select Interac e-Transfer and tap Send money
  3. Select the account you would like to transfer funds from
  4. Select the recipient and the amount of the transfer
  5. Click Continue

Be sure to let the recipient know the answer to the security question (but don't send it along with the transfer). Your account will be debited the transfer amount immediately, plus a service fee (if applicable).

To receive an Interac e-Transfer you must have a profile created.

  1. When someone sends you an Interac e-Transfer, you will receive a notification through email or text message
  2. Click on the link to access a secure Interac website. You will be taken to the Interac website and asked to select your financial institution
  3. Sign in to online banking or our mobile banking app
  4. Enter the answer to the security question and click Accept
  5. Select the account you would like the funds deposited into and click Continue
  6. Confirm transfer details and click Confirm

The Interac Autodeposit feature allows you to have money sent via Interac e-Transfer automatically deposited directly into your ACU account, without having to answer a security question. 

  1. Sign in to ACU’s digital banking
  2. If you’re using online banking click Transfers & payments, under Interac e-Transfer select Autodeposit settings. If you’re using the mobile banking app, navigate to your menu “=”, select Interac e-Transfer and tap Autodeposit settings
  3. Click the + symbol if you’re using our app, or the Add autodeposit button if you’re on ACU’s online banking
  4. Select what you want to register with and enter your mobile phone or email address
  5. Select the account where deposits will be made and check the box to acknowledge the statements
  6. Confirm autodeposit details and click Continue
  7. This request requires an additional security step. Select how you want to receive your authentication code
  8. Enter the confirmation code you received and click Continue
  9. You will receive an email or text message from Interac to complete the autodeposit registration. Click Complete registration

The Interac e-Transfer Request Money feature is not yet available on our new digital platform, but we are working on it


    watch the video
    Interactive demo

    You can cancel pending, declined or expired transactions. 

    1. Sign in
    2. If you’re using online banking click Transfers & payments, under Interac e-Transfer select History. If you’re using the mobile banking app, navigate to your menu “=”, select Interac e-Transfer and tap History
    1. Click on the Pending transactions tab, choose the pending transfer you want to cancel and click the Cancel or “X” button
    2. Click Continue and confirm transaction details

    Personal Interac e-Transfer limits

     

    Send

    Receive

    Per Transaction

    $3,000

    $10,000

    Daily

    $3,000

    $10,000

    Weekly

    $10,000

    $70,000

    Monthly

    $20,000

    $300,000


    Business Interac e-Transfer limits

     

    Send

    Receive

    Per Transaction

    $10,000

    $10,000

    Daily

    $10,000

    $10,000

    Weekly

    $70,000

    $70,000

    Monthly

    $300,000

    $300,000


    Interac e-Transfers fees

    The following fees apply to Interac e-Transfers with ACU. 

    Service

    Fee

    Send an Interac e-Transfer

    $1.00*

    Receive an Interac e-Transfer

    Free



    *The $1.00 Interac e-Transfer fee applies to all ACU personal and business accounts.


    Did you know?

    The ACU Digital and ACU Unlimited Accounts provide 10 free Interac e-Transfers per month.

    amounts

    Transfer/send money

    You can easily transfer money between your ACU accounts in just a few simple steps. 

    Did you know?

    You can also schedule transfers up to two years in advance, or have them repeat daily, weekly, or monthly up to ten years. You can even make a RRSP or TFSA contribution by transferring into an existing RRSP or TFSA.  

    What you do:

    1. Sign in
    2. If you’re using online banking click Transfers & payments, under Transfers select Transfer funds. If you’re using the mobile banking app, navigate to your menu “=”, select Transfers and tap Transfer funds
    3. Choose the account you would like to transfer the funds from, the account you would like to transfer to, and enter the amount you would like to transfer
    4. Select the transfer type (it can be immediate, scheduled for a future date or recurring)
    5. Click Continue and confirm transfer details

    watch the video
    Interactive demo

    You can transfer money to another ACU member’s account through online or mobile banking. To set up a member-to-member transfer you require the 12-digit ACU account number for that member. You must also have a valid email address or mobile phone number on file to complete the request.

    Tip: Make your member-to-member transfer a favourite transaction. This way you won’t need to remember their 12-digit account number every time you want to transfer money to them.

    What you do:

    1. Sign in
    2. If you’re using online banking click Transfers & payments, under Transfers select Transfer funds. If you’re using the mobile banking app, navigate to your menu “=”, select Transfers and tap Transfer funds
    3. Choose the account you would like to transfer the funds from and select the Transfer to Another ACU member radio button
    4. Enter the 12-digit account number you would like to transfer the funds to and the amount
    5. Select the transfer type (it can be immediate, scheduled for a future date or recurring) and confirm transfer details
    6. This request requires an additional security step. Select how you want to receive your confirmation code
    7. Enter the confirmation code you received to confirm that you want to transfer funds and click Continue

    Mobile Deposits


    watch the video
    Interactive demo

    Use your mobile app to deposit cheques to an eligible ACU Canadian savings or chequing account.

    Did you know?

    • The cheque can’t be drawn on the same account the funds are coming out of
    • The cheque can’t be post-dated or altered
    • Deposits need to be in Canadian funds drawn on a Canadian financial institution
    • All deposits should be payable to, and endorsed by, the account holder
    • The limit is $100,000 per cheque
    • Keep remotely deposited cheques in a safe place for 90 days, then destroy them 

    What you do:

    Sign in to the ACU mobile app, navigate to your menu “=” and select Mobile Deposit

    1. Select the account in which you’d like to deposit your cheque, and enter the cheque amount
    2. Using your device, take a picture of the front and back of your cheque
    3. Confirm deposit details

    NOTE: The funds will immediately appear in your account, but normal hold times still apply for all deposited amounts.

    Set up/manage alerts

    Alerts are notifications that ACU sends you to keep you informed of certain activities that have occurred on your accounts. We recommend you set them up so you will be notified if a transaction or action has happened that you didn’t perform.  

    Did you know?

    You can set up alerts yourself, in online banking or on the mobile app, and choose how you will be notified. Just another convenient way to keep your banking experience secure.


    watch the video
    Interactive demo

    1. Sign in
    2. If you’re using online banking click My ACU, under Alerts select Security. If you’re using the mobile banking app, navigate to your menu “=”, select Alerts and choose Security
    3. Select the type of alerts you would like to receive and how you would like to receive them
    4. Save and you’re done.


      watch the video
      Interactive demo

      1. Sign in
      2. If you’re using online banking click My ACU, under Alerts select Account. If you’re using the mobile banking app, navigate to your menu “=”, select Alerts and tap Account
      3. Select the account you would like to link the alert to, type of alerts you would like to receive, how you would like to receive them
      4. Enter a dollar amount if applicable and Save

      You can adjust or unsubscribe to your current alerts or subscribe to new ones at any time. Sign in to online banking, navigate to My ACU and choose from Account or Security Alerts.

      You can also change your alerts on your mobile banking app by navigating to your menu “≡”, selecting Alerts and choose from Account or Security Alerts

      Stop payments

      To create a stop on a single cheque:

      1. Sign in to ACU’s online banking
      2. Go to Accounts, under Cheques select Stop cheques
      3. Click Create a stop cheque
      4. Select the account the cheque is drawn on
      5. Select a reason for the stop cheque request
      6. Enter the cheque date, the name of the payee, cheque number and cheque amount
      7. Click Continue and confirm cheque stop details

      A service fee will be applied if the debit is returned as Stop. See our service fees for more information.

      To stop a pre-authorized payment:

      1. Review your account activity to make sure that the pre-authorized payment hasn't already been processed. 
      2. Contact us to stop a pre-authorized payment.

      Update personal information

      To update your home address, phone number(s) and email address yourself, we need to have either your mobile phone number or your email address in our system.

      • In online banking, select My ACU, then under Settings click Contact details
      • In mobile banking, navigate to your menu “≡”, select Settings and tap Contact details
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