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Digital Banking

You spoke and we listened.
Our updated ACU Mobile app is now available!

Go ahead download the new app in the app stores or take a peek at our updated look and new features.

Your ACU digital banking experience starts here.

It's a whole new world. Change is everywhere, and the financial services industry is no exception. Now, our updated digital banking technology gives you new ways to do your everyday banking.

Digital banking features

See all the features of our totally awesome digital banking suite

Interactive demos

Walk through our digital banking features step-by-step with our interactive demos.

Getting started

Not sure how to access Online Banking? Here's what you need to know!

Forgotten password

Reset your password in a few easy steps!

Manage accounts/make payments

Learn how to manage your account here. 

Key features


Personalized login ID
Gone are the days of having to remember a long numerical username — welcome to personalized usernames for your login ID.

Open new accounts
Need a new account? Now you can open a chequing account, savings account, or non-registered (GIC) and registered (RRSP and TFSA) term deposits.

Note: Currently available for personal accounts only.

Activity timeline
We've added an "audit trail" where you can see your past transactions on a timeline, including sign-in times, paycheque deposits, bill payments, etc.

Device management
If you lose your phone, you can protect yourself and your information by disabling mobile access from a desktop computer.

One-time passcodes (two-factor authentication)
As an enhanced security measure, our digital banking suite has one-time passcodes (OTP) enabled on various transaction requests and events. OTPs are automatically generated and sent to the email or mobile number on file, and ask for the passcode before the processing the transaction.

Here are the basic facts you need to know:
  • You decide whether to receive the OTPs by email or text.
  • OTPs expire 10 minutes after they're sent, after which you need to request a new one.
  • Entering an OTP incorrectly 5 times will lock you out of the app and you’ll need to contact us during regular business hours us to unlock your account.
  • Onboarding
  • Adding an e-transfer recipient
  • Managing an e-transfer profile
  • Setting up Autodeposits
  • Adding a payee
  • Intermember transfers
  • Fulfilling a Request for Money
  • Updating your contact information
  • Changing your password
  • Resetting your password
  • Adding delegates (small business online banking)
  • Delegate login (small business online banking)
Alerts and Notifications
You’ll have peace of mind from knowing your account is monitored with mobile alerts. Choose the alerts you want and be notified when changes have been made to your account.

Security Alerts:
  • Password change
  • Successful login
  • New biometric access
  • Password attempt access

Account Alerts:
  • Deposits and withdrawals
  • Balance updates
  • Insufficient funds
  • Failed transactions

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

Personalized experience
  • Favourite transactions: Save regular transactions to save time.
  • Decide which accounts you want visible and how they display.
  • Profile and background pictures: Customize your profile and background pictures with your own images.
    Note: Background picture only available on the mobile app
  • Quick balance: Turn on "Account balances" under "Widgets" in "Settings" to quickly see the balances of up to three accounts without signing in.
  • Rename your accounts and set up a default (main) account.

Other features

  • Self-serve password resets
  • Loan product transfers
  • TFSA withdrawals
  • Transfers between CAD and USD accounts (daily exchange rate applied)
  • Memo field for account transfers
  • Responsive website design

Get started with ACU digital banking

To start enjoying your ACU digital banking experience, you’ll first need to take a few simple steps.


When you sign in for the first time, you will use your 16-digit debit card number and either your personal access code (existing users) or your birthdate (new users). You will immediately be prompted to create a new and unique username and password. Be sure to verify that your username is appearing correctly before continuing.

Please note that once you've selected a username, it cannot be changed.

Online banking how to



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 16-digit debit card number (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.




Mobile banking
Setting up the mobile app is easy. Simply download the app from your app store, then follow the steps to set it up.

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

Mobile banking how to

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

  • Apple (iOS): version 13 and up.
  • Android: version 6 and up.

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 2: Sign in using your 16-digit debit card number (or Login ID)

Step 3: 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 4: 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 5: 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 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.

Forgot your password?

Forgot your password? No problem. You can reset your password by clicking on the ‘Forgotten Password?’ link on the login page. You will be required to enter your username and the email or cell phone number we have on file.

Additionally, if you have been locked out of Online Banking due to 5 incorrect password attempts, you can reset your password using the same ‘Forgotten Password?’ link on the login page.

Want to take a closer look at the process? Check out our interactive demo
Reset password demo


Want to change your password

Once you are logged in to Online Banking, you can change your password by navigating to ‘Settings’ and selecting ‘Password.’



Manage your account - How to's

Bill Payments

Interac e-Transfers®

Transfer/send money

Mobile Deposits

Set up/manage alerts

Stop payments

Update personal information

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, tap the More menu on the bottom navigation bar, then tap Manage payees
  3. Click Add payee button if you’re on ACU’s online banking, the + symbol if you’re using our app.
  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, tap the Move money menu, at the top tap Payments and then Pay bills
  3. Choose the account you’d like to pay from. If you’re using our app tap Add Payment
  4. Select the bill vendor and enter the payment amount, and fill in the amount you'd like to pay
  5. Change the payment date if you wish to schedule the bill payment for a future date
  6. Click Continue/Add payment when you’re done and confirm your payment
  7. 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, tap the Move money menu, at the top tap Payments and then 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 Pay bills. If you’re using the mobile banking app, tap the Move money menu, at the top tap Payments and then 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, tap the Move money menu, at the top tap Interac e-Transfer and then Manage Contacts
  3. Click the Add contact button if you’re on ACU’s online banking, or if you’re using our app tap the + symbol (located in the top right corner) 
  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 Manage contacts. If you’re using the mobile banking app, tap the Move money menu, at the top tap Interac e-Transfer and then Send
  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 Manage contacts. If you’re using the mobile banking app, tap the Move money menu, at the top tap Interac e-Transfer and then 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 Manage contacts. If you’re using the mobile banking app, tap the Move money menu, at the top tap Interac e-Transfer and then History
    3. Click on the Pending transactions tab, choose the pending transfer you want to cancel and click the Cancel or “X” button
    4. Click Continue and confirm transaction details

      Personal Interac e-Transfer limits

       

      Send

      Receive

      Per Transaction

      $3,000

      $25,000

      24-hour rolling 

      $3,000​

      No limit

      7-day rolling 

      $10,000

      No limit

      30-day rolling 

      $20,000

      No limit 


      Business Interac e-Transfer limits

       

      Send

      Receive

      Per Transaction

      $10,000

      $25,000

      24-hour rolling 

      $10,000

      No limit

      7-day rolling 

      $70,000

      No limit 

      30-day rolling 

      $300,000

      No limit 

      *Rolling limits are calculated by day and time the Interac e-Transfer is sent. For example, if the first transaction is sent at 11:30 am, “day” is calculated on the 24 hour rolling period which will end at 11:29 am the next day.


      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, ACU Student Digital and ACU Unlimited Accounts provide 25 free Interac e-Transfers per month.

      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, tap the Move money menu, then 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, tap the Move money menu, then 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, tap the Mobile Deposit icon located right on the home dashboard.

      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, tap the More menu, and then tap Alert settings and then Security alerts
      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, tap the More menu, and then tap Alert settings and then Account alerts
        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 tapping the More menu, selecting Alert settings and choosing 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, tap the Profile icon located in the top left corner of the home dashboard

        Need some help? Check out these frequently asked questions.

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