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  1. Online Banking Help
  2. Frequently Asked Questions


ONLINE BANKING FREQUENTLY ASKED QUESTIONS

You have questions?  We have answers!

You have questions?  We have answers!

Apple:

The new Unity Credit Union mobile app will be available as an app update! Install the update, and you will be connected to our new online banking mobile app. To install the update, follow these steps:
    1. Visit the App Store
    2. Search Unity Credit Union
    3. Tap the Unity Credit Union Logo
    4. Hit 'UPDATE' and you're set! 

Android:

Your old app icon will not work. Please follow these steps to get set up with the new app.
    1. Delete all old versions of the Unity Credit Union mobile app.
    2. Close all open apps and browser windows on your device.
    3. Restart your device.
    4. Install our new Unity Credit Union mobile app found on Google Play.  The link is https://play.google.com/store/apps/details?id=com.celero.unityxpress

Note: If you have already downloaded the new app without taking these steps, you can delete both the old and new apps, restart, and re-install the new app.
A one-time passcode (OTP) is a security code that provides an additional layer of protection that safeguards sensitive information and certain online banking activities. It’s a numeric security code (up to 7 digits) that you will receive via text message to your cellphone or to your email address when you perform certain activities. The code is time sensitive and valid only for a limited amount of time.

Here are some examples of when one-time passcodes are used:

• Register for online banking
• First time you sign in to online banking
• Add a new bill payee
• Update contact information
• Change or reset your password
• Transfer funds to other Unity Credit Union members
• Add an Interac e-Transfer® recipient
If you were expecting to receive your passcode by email, first check your spam or junk mail folder. If you don't find it there, click 'resend the code' on your confirmation screen to send it again. Sometimes the passcodes experience a slight delay when sent by email.
If you have a cellphone number on file with us, the one-time passcode will automatically send the code to your cellphone number. If you choose to have the code sent to your email address, you will receive a second code. The second code sent is the one that you should use.
Push notifications are messages that can be sent directly to a user’s cellphone. They can appear on a lock screen or in the top section of a mobile device.
Choose a unique username that you'll remember easily as once it's created, it cannot be changed! Avoid using just your first name as it may be too simple and already in use by someone else.

  • Minimum 5 - Maximum 35 alphanumeric characters (A to Z, a to z, 0 to 9)
  • Special Characters that can be used are:
  • _ (underscore)
  • . (period)
  • @ (alias)

*Username CANNOT be your debit card number*

If you try something that isn't accepted, it likely means someone else has already chosen that username.
Password must be a minimum of 10, maximum 35 characters and include:

  • Minimum 1 uppercase letter
  • Minimum 1 lowercase letter
  • Minimum 1 number
Special characters are optional.
Yes! Two people can use the same email address or cellphone number. Be aware that when one person is using online banking and receives a one-time passcode (OTP), both parties will receive that OTP.
In order to access online banking, an email address or cellphone number is required to receive one-time passcodes (OTPs) for security purposes. Several providers offer a free email account.
The answer is no.  Once you've created a username, you won't be able to change it.
Yes! On the sign in screen click ‘Forgot username or password’ and choose ‘Recover Username’. You will then be guided through some simple steps to recover your username. If you run into any problems, please contact us at 306.228.2688, and someone will be more than happy to assist you.
The good news is NO!  Now you will always sign in using your username.
Our secure messaging service allows you to communicate with us from within the online banking system and is only available after you have signed in. You may include account numbers and any other information that may help us better assist you with your questions. Please use the messages feature within online banking instead of sending personal information through email channels.

Online Banking:

    1. Navigate to ‘My Unity Credit Union’.
    2. Click ‘Messages’ or you can click the envelope icon located at the top right corner on your main online banking page.

Mobile App

    1. Navigate to messages by tapping on the envelope icon located at the top right corner on your main screen.
Please contact us at 306.228.2688.  We would be more than happy to assist you. 
The star indicates your main or primary account. Transfers and bill payments will automatically select this account as your default. You can always select a different account at the time of setting up a payment or transfer.

To change your main default account:

Online Banking:

    1. Under the Accounts menu select ‘Customize Accounts’.
    2. Locate the account that you wish to be set as the primary and under the main account column, click the star icon.
    3. At the bottom of the screen click ‘Save’.
    4. The newly selected account is now your main account.


Mobile App:

    1. Tap 'More' at the bottom right hand screen.
    2. Tap 'General Settings'.
    3. Tap 'Customize Accounts'.
    4. Tap the star Icon beside the account you would like to set as your main Account.

Within the Customize Accounts section, you can also rename the account by clicking on the pencil icon.
Online Banking:

    1. Sign in to your online banking on a desktop computer or tablet.
    2. Click on 'Accounts' on the top grey menu bar.
    3. Click on ‘Download void cheque’.
    4. Select the account.
    5. Click 'Export' to open and save it as a PDF.

Mobile App:

    1. Sign in to your mobile app.
    2. Select 'Activity' on the bottom menu
    3. Choose 'Download void cheque'.
    4. Select the account.
    5. Click 'Export' to open and save it as a PDF.
In some cases, the autodeposit just needs to be “refreshed”.

Online Banking:

    1. Under Transfers & Payments select 'Autodeposit Settings'.
    2. Click on the little pencil beside your current autodeposit to edit.
    3. Re-select the same account you had set up previously.
    4. Continue twice to save your changes.
    5. Input the OTP to authorize the process and click 'Continue' to successfully refresh the autodeposit.

Mobile App:

    1. At the bottom of the screen tap 'Move Money'.
    2. At the top right hand corner of the screen tap 'INTERAC e-transfer®'.
    3. Tap 'Autodeposit Settings'.
    4. Tap the three dots and select edit.
    5. Re-select the same account you had set up previously.
    6. Continue twice to save your changes.
    7. Input the OTP to authorize the process and click 'Continue' to successfully refresh the autodeposit.
Online Banking:

1. Sign in to online banking on a desktop computer or tablet.
2. Click ‘Accounts’. Under Accounts select ‘View eStatements’.
3. Select the year and date of the statement you want to view.


Mobile App:

1. Sign in to online banking on the mobile app.
2. On the bottom of the screen, tap ‘More’.
3. Tap 'View eStatements'.
4. Select the year and date of the statement you want to view.
Contact us at 306.228.2688, and we would be more than happy to assist you.
Although we do understand the impact that printed statements have on the environment, we also recognize there may be instances when printing your banking history may be necessary.

Online Banking:

    1. Go to ‘Accounts’.
    2. Click ‘View Transactions’.
    3. Scroll to the bottom of the page and click the ‘Print’ button at the bottom of the screen. You can also save a PDF of the transactions for future reference.

Mobile App:

    1. In the mobile app, navigate to the bottom of the screen and tap ‘Activity’.
    2. Select ‘View Transactions’.
    3. At the top right-hand corner tap the three dots and from there you can tap ‘Share’.
    4. You now have the option to save to a PDF or share it to your printer or text or email it to someone.

Did you know…
You can use the filter option to narrow down the transactions you would like to print.
Check to see if the bill is pending in your scheduled bill payments. You can get there by following these steps:

Online Banking:
  • Go to transfers & payments
  • View Scheduled Bills. The pending bill will be in there with the applicable date.

Mobile App:
  • Move money
  • Payments
  • View Scheduled Payment. The pending bill should be there with the applicable date.

If you cannot find the bill payment in this area, please contact us at 306.228.2688 before making the payment again to confirm that the payment has not gone through.

Note:  For time sensitive bill payments, we suggest you make payments before 9:00 PM.
Both fingerprint and facial recognition will be available on the new mobile platform, if your mobile device supports it.

You will be prompted to set this up, if you choose, when you log in for the first time. Alternatively, you can change your log in settings under Settings > Biometric Authentication whenever you are ready to set this up.

We strongly recommend against enabling facial recognition if anyone else has or might gain access to your device and its security password.
Enabling Touch ID for mobile banking will grant access and full mobile banking functionality to any person whose fingerprints are saved on your device. We strongly recommend against enabling Touch ID if anyone else has or might gain access to your device and its security password.
Yes, you can set up shortcuts through the widget function on your mobile device by following these steps:

1. Sign in to your mobile app.
2. Navigate to ‘More’ (bottom right-hand corner).
3. Tap ‘General Settings’.
4. Tap ‘Widget Settings’.
5. Click on the Account balances to turn the functionality on, and then click ‘Add account’.
6. Enter the account name you want to display.
7. Select the account you want to display.
8. Under Balance Display, it’s recommended to leave ‘Account balance’ checked.
9. Under Visibility, it’s recommended to leave ‘Both’ checked.
10. Tap the + Icon in the top right-hand corner of the screen.
11. Follow the same process to add up to 2 more accounts you'd like to view.
12. Sign out of the app. The next time you go to sign in, you will see your account balance displayed. If you set up more accounts, swipe right to see your quick balances.


You will then be able to add up to three accounts you'd like to view. If you're sharing this device, we recommend you turn off this option.


Note: You are also able to add some of your favourite transactions as shortcuts in the widget, making it even easier for you to do your banking!
Need a hand?
If you still can't find what you are looking for or need some assistance, please contact us at 306.228.2688.  We are available and ready to serve you Monday to Friday 8:30 AM to 4:30 PM.
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