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Small Business Online Banking
Note: If you have a personal account with us, make sure that you create a different username for your business sign in.
When you sign in for the first time, you will use your business MEMBER CARD® debit card number, your date of birth, and a cellphone number or email address.
Step 1: Sign in using your business MEMBER CARD® debit card
That’s the number on the front of your MEMBER CARD® debit card.
Step 2: Verify your identity
You’ll need to enter your date of birth and either your cellphone number or the email address that we have on file for you. You will receive a verification code either through a text message or email. Enter the code you receive in the verification pop-up window and click ‘Confirm.’
Step 3: Set up a new username
Enter a new username (username cannot be your debit card number and avoid using your name). Also, if you have a personal account with us, make sure your username is different. Choose something unique to you and something that you can easily remember because once you create it, you can't change it. Avoid using just your first name as it may be too simple and already in use by someone else. Your username can be up to a maximum of 35 alphanumeric characters. Special characters are optional. Going forward, this is what you will be using to sign in.
If you try something that isn't accepted, it likely means someone else has already chosen that username.
Step 4: Set up a password
Choose a password that has a minimum of 10 characters and includes:
• 1 uppercase letter
• 1 lowercase letter
• 1 number
Special characters are optional.
Step 5: Confirm sign in details
If everything looks correct, go ahead, and click ‘Create user profile’ to finalize your sign in information. Going forward, whenever you sign into small business online banking, you will use the username and password you just created!
Profile consolidation allows you, as a small business member, to add your personal profile. This will enable you to switch back and forth between your business and personal profiles.
To set up profile consolidation:
1. Sign in to online banking. (profile consolidation set up is not available on the mobile banking app)
2. Select ‘Business services’.
3. Click ‘Profile consolidation’.
4. Click ‘Add profile’.
5. Enter personal profile username.
6. Enter personal profile password.
7. Click ‘Continue’.
8. Review details and click ‘Continue’.
9. Personal profile is successfully added.
10. You will need to sign out and sign back in to complete the setup.
2. Select ‘Business services’.
3. Click ‘Profile consolidation’.
4. Click ‘Add profile’.
5. Enter personal profile username.
6. Enter personal profile password.
7. Click ‘Continue’.
8. Review details and click ‘Continue’.
9. Personal profile is successfully added.
10. You will need to sign out and sign back in to complete the setup.
To switch between profiles, go to the top of the screen to where your username is displayed. Hover over your username and the consolidated profiles will be displayed. Choose the profile you would like to switch to. A pop-up box will display asking if you are sure you want to switch profiles. You can either cancel or switch profiles.
Small business online banking offers the same features as personal online banking, with the addition of some useful features that will help you save time and money. Within small business online banking, you can:
Manage your delegates
- Create and set up delegates as Initiator or Read-only. Provides delegates with their own login ID and password so they can sign in separately. For example, you can select view-only status for your accountant and initiator status for an employee who pays your bills.
- Add/modify delegate(s) securely and easily within your small business online banking. You can manage this aspect yourself, where you can add, edit, or delete delegates (if needs change). You can also temporarily disable delegates' access (when employees are on holidays or on leave). Other signers on the business can also delete your delegates, if required.
- Unlock your delegates if their account is locked through entering the wrong login information three times. You can also change the delegate's password (PAC).
Consolidate accounts so you can switch between personal and business profiles with only having to sign in once.
Set up dual signers on business accounts that require two people to approve transactions. (You can have as many signers as the organization requires, but you only need 2 to sign for dual signature).
Manage your accounts anytime, anywhere through mobile access with our mobile app and mobile web banking (this option is only available for signers. Delegates can only access small business online banking through the full website).
Pay your federal taxes online to the Canada Revenue Agency.
Create favourite transactions (based on previous transactions) to reduce the number of steps to make the same transaction.
Manage your small business alerts by staying informed when you need to approve transactions or if you have transactions that are about to expire. You can view small business alerts by email or text message anywhere, anytime (text messaging rates may apply). Set up is required before alerts are received.
As a signer on a business, we need to authenticate you as an individual. It is important that your personal information such as date of birth, email address and cellphone number on file with us is up to date. This will ensure that your identity can be validated at sign in.
You can update your personal information by contacting us at 306.228.2688.
A Delegate is a person such as an accountant, bookkeeper, or spouse that can be granted limited access to online banking for a business. A Delegate is created by one of the account signers and can be granted specific access:
• Initiator Access: allows the Delegate to create transactions such as a bill payment, transfer or Interac e-Transfer® for the signer(s) to approve.
• Read Only Access: allows the Delegate to view account information but does not permit them to perform any transactions.
Each signer can add an unlimited number of delegates. All delegates can be seen and managed by all signers.
• There is no maximum number of delegates that can be set up.
• Once the username is selected it cannot be changed.
• The username will need to be communicated to the delegate separately.
• Any account signer can add, view, or edit a delegate.
• Unity Credit Union does not have access to your delegates, so we are unable to add, edit, delete, lock, or reset their password on your behalf.
• Once the username is selected it cannot be changed.
• The username will need to be communicated to the delegate separately.
• Any account signer can add, view, or edit a delegate.
• Unity Credit Union does not have access to your delegates, so we are unable to add, edit, delete, lock, or reset their password on your behalf.
1. Sign in to online banking. (currently cannot be done on the mobile banking app)
2. Select ‘Business services’.
3. Click ‘Delegate management’.
4. Click ‘Add delegate’.
5. Enter delegate username (5-35 alphanumeric characters).
6. Enter the name of the delegate.
7. Click the radio button to select the access level - initiator or read-only.
8. Click the radio button to select how the password will be received (email or cellphone number).
9. Enter the email address.
10. Enter the cellphone number.
11. Type in any notes that apply to the delegate.
12. Accept express consent.
13. Click ‘Continue’.
14. Review details and click ‘Continue’.
15. An authentication code will then be sent to you by email or text message. Simply enter the code into enter code field and click ‘Continue’.
16. Delegate added successfully.
17. The delegate will now receive their temporary password via email or text message.
2. Select ‘Business services’.
3. Click ‘Delegate management’.
4. Click ‘Add delegate’.
5. Enter delegate username (5-35 alphanumeric characters).
6. Enter the name of the delegate.
7. Click the radio button to select the access level - initiator or read-only.
8. Click the radio button to select how the password will be received (email or cellphone number).
9. Enter the email address.
10. Enter the cellphone number.
11. Type in any notes that apply to the delegate.
12. Accept express consent.
13. Click ‘Continue’.
14. Review details and click ‘Continue’.
15. An authentication code will then be sent to you by email or text message. Simply enter the code into enter code field and click ‘Continue’.
16. Delegate added successfully.
17. The delegate will now receive their temporary password via email or text message.
1. Sign in to online banking. (currently cannot be done on the mobile banking app)
2. Select 'Business services'.
3. Click 'Delegate management'.
4. Find the delegate in the list.
2. Select 'Business services'.
3. Click 'Delegate management'.
4. Find the delegate in the list.
5. Click on the pencil icon under 'Edit details'.
6. Make the necessary changes.
7. Click 'Continue'.
8. Verify details and click 'Continue'.
9. An authentication code will then be sent by email or text message to the signer who is making the changes. They will need to enter the received code in the correct field and then click 'Continue'.
1. Sign in to online banking. (currently cannot be done on the mobile banking app)
2. Select 'Business services'.
3. Click 'Delegate management'.
4. Find the delegate in the list.
2. Select 'Business services'.
3. Click 'Delegate management'.
4. Find the delegate in the list.
5. Toggle the lock access on/off
**this is the equivalent to deleting a delegate**
If you have your membership set up as requiring two-signer approval for transactions like bill payments and Interac e-Transfer® transactions, you can approve the transaction within online banking under 'Pending Transactions'.
1. Sign in to online banking.
2. Select ‘Business Services’.
3. Click ‘Pending Transactions’ to view transactions that require approval. (created by another signer or a delegate)
4. Select to approve or decline the transaction.
5. Some transactions may require you to enter a one-time passcode as a security feature. If this is the case, an authentication code will then be sent to you by email or text message. Simply enter the code into enter code field and click ‘Continue’.
4. Select to approve or decline the transaction.
5. Some transactions may require you to enter a one-time passcode as a security feature. If this is the case, an authentication code will then be sent to you by email or text message. Simply enter the code into enter code field and click ‘Continue’.
Note: Pending transactions expire after 7 days.
Manage Your Accounts
Unsuccessful attempts with facial or thumbprint recognition or entering your password incorrectly can cause a lockout on your account after 5 attempts.
To have it unlocked, please contact us at 306.228.2688, and we would be more than happy to assist you.
If you have forgotten your password, you can select the ‘Forgotten Password’ option and follow the prompts to reset your password.
Online Banking:
1. On the sign in page, click ‘Forgot Username or Password?’
2. Click ‘Rest Password’.
3. Enter your username.
4. Select identification method - choose email or cellphone used in enrollment from drop down list.
5. Enter your email address or cellphone number and click ‘Continue’.
6. Enter the code that was sent to your email or cellphone via text.
7. Enter your new password and confirm the new password. Click ‘Continue’.
8. A password successfully reset message will be displayed. Click ‘Continue to Sign In’.
9. Sign in with your username and new password.
2. Click ‘Rest Password’.
3. Enter your username.
4. Select identification method - choose email or cellphone used in enrollment from drop down list.
5. Enter your email address or cellphone number and click ‘Continue’.
6. Enter the code that was sent to your email or cellphone via text.
7. Enter your new password and confirm the new password. Click ‘Continue’.
8. A password successfully reset message will be displayed. Click ‘Continue to Sign In’.
9. Sign in with your username and new password.
Mobile App:
1. Click ‘Sign In’ and on the Sign-In page and tap ‘Forgot Username or Password?’
2. Tap ‘Reset Password’.
3. Enter your username and select the identification method used in enrolment (either email or cellphone number).
4. Enter your email address or cellphone number and tap ‘Continue’.
5. Enter the code that was sent to your email or cellphone via text.
6. Enter your new password and confirm the new password.
7. Tap ‘Continue’.
8. You will receive a prompt that the password was successfully updated.
9. Sign in with your username and new password.
2. Tap ‘Reset Password’.
3. Enter your username and select the identification method used in enrolment (either email or cellphone number).
4. Enter your email address or cellphone number and tap ‘Continue’.
5. Enter the code that was sent to your email or cellphone via text.
6. Enter your new password and confirm the new password.
7. Tap ‘Continue’.
8. You will receive a prompt that the password was successfully updated.
9. Sign in with your username and new password.
Business signers can opt to sign up for special alerts that apply only to business accounts. Each signer with online banking access will need to set up these alerts separately.
You can choose to receive alerts using all, a combination of, or one notification type (text, email, and/or push notification).
There are three types of Alerts - Account Alerts, Business Alerts, and Security Alerts. There are 3 mandatory Security Alerts that are received by email and cannot be turned off (Password Changed, New Biometric Access, and Password Attempt Lock).
Online Banking:
1. Sign in to online banking on a desktop computer or tablet.
2. Click ‘My Unity Credit Union’ and under Alerts select 'Account', 'Business', or 'Security'.
3. Under each heading, toggle on/off the types of desired notifications (text message, email, push notifications).
4. Set limit and amount if applicable.
5. Click 'Save'.
2. Click ‘My Unity Credit Union’ and under Alerts select 'Account', 'Business', or 'Security'.
3. Under each heading, toggle on/off the types of desired notifications (text message, email, push notifications).
4. Set limit and amount if applicable.
5. Click 'Save'.
Mobile App:
1. Sign in to online banking on the mobile app.
2. Tap ‘More’ (located bottom right-hand corner), choose ‘Alert Settings’, and then tap either ‘Accounts Alerts’, ‘Business Alerts’, or 'Security Alerts'.
3. Under each heading, tap the type of alert you would like then toggle on/off the types of desired notifications.
4. Set limit and amount, if applicable.
5. Click 'Save'.
2. Tap ‘More’ (located bottom right-hand corner), choose ‘Alert Settings’, and then tap either ‘Accounts Alerts’, ‘Business Alerts’, or 'Security Alerts'.
3. Under each heading, tap the type of alert you would like then toggle on/off the types of desired notifications.
4. Set limit and amount, if applicable.
5. Click 'Save'.
You can create favourite transactions to simplify transactions that you plan to conduct often. Examples of favourite transactions may include bill payments, transfers to another account, or transfers to another Unity Credit Union member.
Online Banking:
1. Simply click the favourites icon (heart with plus [+] symbol) after completing a transaction.
2. Give your favourite a name and click ‘Add to favourites’.
3. You will receive a successful verification message.
2. Give your favourite a name and click ‘Add to favourites’.
3. You will receive a successful verification message.
Mobile App:
1. Simply click the favourites icon (heart symbol) after completing a transaction.
2. Give the favourite a name and click ‘Confirm’.
3. You will receive a successful verification message.
2. Give the favourite a name and click ‘Confirm’.
3. You will receive a successful verification message.
Online Banking:
1. Sign in to online banking on a desktop computer or tablet.
2. Select ‘Accounts’.
3. Under Accounts click ‘Favourite Transactions’.
4. Click ‘Use'. (You can also click the heart icon located at the top right corner on your main online banking home page)
2. Select ‘Accounts’.
3. Under Accounts click ‘Favourite Transactions’.
4. Click ‘Use'. (You can also click the heart icon located at the top right corner on your main online banking home page)
Mobile App:
1. Sign in to online banking on the mobile app.
2. Navigate to your ‘Dashboard’ (bottom left-hand corner).
3. Scroll to ‘Favourite’ heading and tap ‘Show more’ to see all.
4. Find the Favourite transaction you wish to use and tap it. The details will be displayed and tap ‘Use’ (Heart symbol).
2. Navigate to your ‘Dashboard’ (bottom left-hand corner).
3. Scroll to ‘Favourite’ heading and tap ‘Show more’ to see all.
4. Find the Favourite transaction you wish to use and tap it. The details will be displayed and tap ‘Use’ (Heart symbol).
Online Banking:
1. Sign in to online banking on a desktop computer or tablet.
2. Select 'Accounts'.
3. Under Accounts click 'Favourite Transactions'. (You can also click the heart icon located at the top right corner on your home page)
2. Select 'Accounts'.
3. Under Accounts click 'Favourite Transactions'. (You can also click the heart icon located at the top right corner on your home page)
Here you can delete your favourite, edit (add image, change the name, and choose if this favourite is visible on your home page) or use it.
Mobile App:
1. Sign in to online banking on the mobile app.
2. Navigate to your ‘Dashboard’ (bottom left-hand corner).
3. Scroll to the ‘Favourite’ heading and tap ‘Show More’.
4. Choose the favourite you wish to view to show the details.
2. Navigate to your ‘Dashboard’ (bottom left-hand corner).
3. Scroll to the ‘Favourite’ heading and tap ‘Show More’.
4. Choose the favourite you wish to view to show the details.
Here you can delete your favourite, edit (add image, change the name, and choose if this favourite is visible on your home page) or use it.
You can change the way your accounts display so that you see only the accounts you want to see.
Online Banking:
1. Sign in to online banking on a desktop computer or tablet.
2. Select ‘Accounts’.
3. Under ‘Accounts’ click ‘Customize Accounts’.
4. In the “Visible” column, you can click the toggle button to make accounts visible or not. If the toggle is in the ‘OFF’ position, it will have no colour, meaning it is disabled and that account won’t be visible. If the toggle is ‘ON’, you will see that it is green, meaning that account is visible.
5. Select which accounts you want to be visible, then click ‘Save’.
2. Select ‘Accounts’.
3. Under ‘Accounts’ click ‘Customize Accounts’.
4. In the “Visible” column, you can click the toggle button to make accounts visible or not. If the toggle is in the ‘OFF’ position, it will have no colour, meaning it is disabled and that account won’t be visible. If the toggle is ‘ON’, you will see that it is green, meaning that account is visible.
5. Select which accounts you want to be visible, then click ‘Save’.
This option is not available in the mobile app.
Make your online banking as unique as you are by uploading a profile picture! Here's how!
Online Banking:
1. Sign in to digital banking on a desktop computer or tablet.
2. Hover over 'My Unity Credit Union'.
3. Under ‘Settings’ click ‘Profile Details’.
4. Click “Add Photo”.
5. Select which picture you want to use from your device and click ‘Save’.
2. Hover over 'My Unity Credit Union'.
3. Under ‘Settings’ click ‘Profile Details’.
4. Click “Add Photo”.
5. Select which picture you want to use from your device and click ‘Save’.
Mobile App:
1. Sign in to online banking on your mobile app.
2. At the bottom right hand corner of the screen tap ‘More’.
3. Tap 'Profile'.
2. At the bottom right hand corner of the screen tap ‘More’.
3. Tap 'Profile'.
4. Tap 'Customize Pictures'. Here you can choose a profile picture and/or a background image from your device.
Payments and Transfers
Online Banking:
1. Sign in to online banking on a desktop computer or tablet.
2. Go to ‘Transfers & Payments’.
3. Select ‘Manage Payees’.
4. Click ‘Add payee’.
5. In the ‘Search for Payee by Name’ box, type the first 3 characters of the payee’s name.
6. A list of payees will be displayed. Select the applicable payee.
7. Enter the payee account number and click ‘Continue’.
8. Review your details and confirm by clicking ‘Continue’.
9. An authentication code will then be sent to you by email or text message, simply enter the code into enter code field and select ‘Continue’.
10. You will receive a successful verification message.
11. Choose ‘Manage Payees’ and verify the added Payee is included in the list.
3. Select ‘Manage Payees’.
4. Click ‘Add payee’.
5. In the ‘Search for Payee by Name’ box, type the first 3 characters of the payee’s name.
6. A list of payees will be displayed. Select the applicable payee.
7. Enter the payee account number and click ‘Continue’.
8. Review your details and confirm by clicking ‘Continue’.
9. An authentication code will then be sent to you by email or text message, simply enter the code into enter code field and select ‘Continue’.
10. You will receive a successful verification message.
11. Choose ‘Manage Payees’ and verify the added Payee is included in the list.
Mobile App:
1. Sign in to online banking on the mobile app.
2. Tap ‘Move Money’.
3. Tap ‘Payments’.
4. Select ‘Manage Payees’.
5. Tap ‘Add payee' (On the app tap + symbol top right of screen).
6. In the ‘Search for Payee by Name’ box, type the first 3 characters of the payee’s name.
7. A list of payees will be displayed. Select the applicable payee.
8. Enter the payee account number and tap ‘Continue’.
9. Review your details and confirm by clicking ‘Continue’.
10. An authentication code will then be sent to you by email or text message, simply enter the code into enter code field and select ‘Continue’.
11. You will receive a successful verification message.
12. Choose ‘Manage Payees’ and verify the added Payee is included in the list.
3. Tap ‘Payments’.
4. Select ‘Manage Payees’.
5. Tap ‘Add payee' (On the app tap + symbol top right of screen).
6. In the ‘Search for Payee by Name’ box, type the first 3 characters of the payee’s name.
7. A list of payees will be displayed. Select the applicable payee.
8. Enter the payee account number and tap ‘Continue’.
9. Review your details and confirm by clicking ‘Continue’.
10. An authentication code will then be sent to you by email or text message, simply enter the code into enter code field and select ‘Continue’.
11. You will receive a successful verification message.
12. Choose ‘Manage Payees’ and verify the added Payee is included in the list.
To pay a bill, first add your payee. If you have already set up your bill payee, then you are ready to go.
Online Banking:
1. Sign in to online banking on a desktop computer or tablet.
2. Click ‘Transfers & Payments’.
3. Under ‘Payments’ select ‘Pay Bills’.
4. Choose the account you would like to pay from.
5. Select the bill payee and enter the payment amount.
6. Change the payment date if you wish to schedule the bill payment for a future date.
7. Click ‘Continue’.
8. If you wish to add another payment, click ‘Add Another Payment’ and repeat step 4 and 5.
9. Click ‘Continue’, confirm payments and dates added and click ‘Continue’ to confirm.
3. Under ‘Payments’ select ‘Pay Bills’.
4. Choose the account you would like to pay from.
5. Select the bill payee and enter the payment amount.
6. Change the payment date if you wish to schedule the bill payment for a future date.
7. Click ‘Continue’.
8. If you wish to add another payment, click ‘Add Another Payment’ and repeat step 4 and 5.
9. Click ‘Continue’, confirm payments and dates added and click ‘Continue’ to confirm.
Mobile App:
1. Sign in to online banking on the mobile app.
2. Navigate to the bottom right-hand corner of the screen and select ‘Move Money’.
3. Tap ‘Payments’ and then tap ‘Pay Bill’.
4. Choose the account you would like to pay from and click ‘Add Payment’.
5. Select the bill payee and enter the payment amount.
6. Change the payment date if you wish to schedule the bill payment for a future date.
7. Click ‘Add Payment’ then if you wish to add another payment click ‘Add Another Payment’ and repeat step 4 and 5.
8. Click ‘Continue’, confirm payments and dates added and click ‘Continue’ to confirm.
3. Tap ‘Payments’ and then tap ‘Pay Bill’.
4. Choose the account you would like to pay from and click ‘Add Payment’.
5. Select the bill payee and enter the payment amount.
6. Change the payment date if you wish to schedule the bill payment for a future date.
7. Click ‘Add Payment’ then if you wish to add another payment click ‘Add Another Payment’ and repeat step 4 and 5.
8. Click ‘Continue’, confirm payments and dates added and click ‘Continue’ to confirm.
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.
Online Banking:
2. Click ‘Transfers & Payments’.
3. Under ‘Payments’ select ‘Pay Bills’.
4. Click ‘Schedule Recurring Payments’ and select the account you will use to pay your bill.
5. Choose Payee name, Amount, Payment frequency and, Start and End date. Click ‘Continue’.
6. Confirm your payment by clicking ‘Continue’ again.
3. Under ‘Payments’ select ‘Pay Bills’.
4. Click ‘Schedule Recurring Payments’ and select the account you will use to pay your bill.
5. Choose Payee name, Amount, Payment frequency and, Start and End date. Click ‘Continue’.
6. Confirm your payment by clicking ‘Continue’ again.
Mobile App:
1. Sign in to online banking on the mobile app.2. On the bottom navigation bar tap ‘Move money’ and at the top menu bar, tap ‘Payments’ and then ‘Pay Bills’.
3. At the top menu select ‘Recurring Payments’ and select the account you will use to pay your bill.
4. Choose payee name, amount, payment frequency, start date and end date and click ‘Continue’.
5. Confirm your payment by clicking ‘Continue’.
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.
With Mobile Deposit, you can deposit cheques anytime that is convenient for you, without having to visit a branch or ATM.
Here's what you need to know:
2. The cheque cannot be post-dated or altered.
3. Deposits need to be in Canadian funds drawn on a Canadian financial institution.
4. Keep remotely deposited cheques in a safe place for 90 days, then shred them.
It’s quick, easy, and secure...just follow these simple steps:
2. Tap ‘Mobile Deposit’.
3. Select the account you would like to deposit your cheque in and enter the cheque amount.
4. Using your device, take a picture of the front and back of your cheque
5. Confirm deposit details and tap ‘Continue’.
NOTE: The funds will immediately appear in your account, but hold times still apply for all deposited amounts. Contact us at 306.228.2688 if you have questions regarding holds.
Currently, a Stop Cheque can only be done in online banking on a desktop computer or tablet:
1. Sign in and click ‘Accounts’ and then under Cheques click ‘Stop Cheques’.
2. Click ‘Create a stop cheque’.
3. Enter your stop cheque details and click ‘Continue’.
4. Confirm your stop cheque details and click ‘Continue’.
Note: To stop the payment of a cheque, ensure the cheque has not already been processed. Review your account activity prior to requesting a stop cheque. A stop cheque cannot be deleted online. Contact us at 306.228.2688 for assistance.
You can easily transfer money between your own accounts at Unity Credit Union (including from your CAD to USD accounts, and vice versa!) in just a few simple steps.
Online Banking:
2. Click on ‘Transfers & Payments’. Under Transfers, click ‘Transfer Funds’.
3. Under Transfer from, choose the account that you'd like to transfer funds from.
4. Under Transfer to, click the down arrow to select the account you want to transfer to.
5. Under Transfer details, enter the amount and click on Immediate, Scheduled or Recurring.
6. Under Memorandum, you can include text for your reference (optional).
7. Click ‘Continue’.
8. Confirm transfer details and click ‘Continue’.
Mobile App:
2. At the bottom of the screen tap ‘Move Money’ and tap ‘Transfer Funds’.
3. Under Transfer from, choose the account that you'd like to transfer funds from.
4. Under Transfer to, select an account.
5. Under transfer details, enter the amount and click on Immediate, Scheduled or Recurring.
6. Under the Memorandum, you can include text for your reference (optional).
7. Tap ‘Continue’.
8. Confirm transfer details and tap ‘Continue’.
Transferring money to another Unity Credit Union member is fast and easy – all you need is their account number and then follow these simple steps:
Note: If you want to avoid having to input the member's account number each time you transfer them funds, set your transfer as a favourite transaction (see steps under Manage Accounts).
Online Banking:
2. Click on ‘Transfers & Payments’. Under Transfers, click ‘Transfer Funds’.
3. Under Transfer from, choose the account that you'd like to transfer funds from.
4. Under Transfer to select ‘Another Unity Member’.
5. Enter the member’s account number. (This must be obtained from the member you wish to transfer funds to. Unity Credit Union will not provide this information to you.)
6. Under Transfer details, enter the amount and click on Immediate, Scheduled or Recurring.
7. Under Memorandum, you can include text for your reference (optional).
8. Click ‘Continue’, confirm the details, and click ‘Continue’.
9. Select either text message or email to receive a one-time passcode.
10. An authentication code will then be sent to you by email or text message. Simply enter the code into the 'Enter Code' field and click ‘Continue’.
Mobile App:
2. At the bottom of the screen tap ‘Move Money’ and tap ‘Transfer Funds’.
3. Under Transfer from, choose the account that you'd like to transfer funds from.
4. Under Transfer to select ‘Another Unity Member’.
5. Enter the member’s account number. (This must be obtained from the member you wish to transfer funds to. Unity Credit Union will not provide this information to you.)
6. Under transfer details, enter the amount and click on Immediate, Scheduled or Recurring.
7. Under the Memorandum, you can include text for your reference (optional).
8. Tap ‘Continue’.
9. Select either text message or email to receive a one-time passcode.
10. An authentication code will then be sent to you by email or text message. Simply enter the code into the 'Enter Code' field and click ‘Continue’.
Interac e-Transfer®
If you have an Interac e-Transfer® profile already set up, just sign into Unity Credit Union online banking, and you will be able to send and receive e-Transfer transactions.
If you do not have an Interac e-Transfer® profile created, follow these steps:
Online Banking:
1. Sign in to online banking on a desktop computer or tablet.
2. Go to ‘Transfers & Payments’.
3. Under Interac e-Transfer® click ‘Profile Settings’.
4. You will be asked to confirm your information – name, email, cellphone.
5. Click ‘Continue’.
6. Enter the one-time password you receive via text or email address.
7. Click ‘Continue’.
2. Go to ‘Transfers & Payments’.
3. Under Interac e-Transfer® click ‘Profile Settings’.
4. You will be asked to confirm your information – name, email, cellphone.
5. Click ‘Continue’.
6. Enter the one-time password you receive via text or email address.
7. Click ‘Continue’.
Mobile App:
1. Sign in to online banking on the mobile app.
2. At the bottom of the screen tap ‘Move Money’.
3. Tap ‘Interac e-Transfer®’ at the top right corner.
4. Tap ‘Profile Settings’.
5. Click ‘Continue’.
6. Verify your details and click ‘Continue’.
7. Enter the one-time password you receive via text or email address.
8. Click ‘Continue’.
2. At the bottom of the screen tap ‘Move Money’.
3. Tap ‘Interac e-Transfer®’ at the top right corner.
4. Tap ‘Profile Settings’.
5. Click ‘Continue’.
6. Verify your details and click ‘Continue’.
7. Enter the one-time password you receive via text or email address.
8. Click ‘Continue’.
The security question verifies the recipient’s identity and protects your funds from being received by the wrong person. The question must be answered correctly in order to complete the deposit process. It is the sender’s responsibility to create a security question and an answer known only to the recipient.
Guidelines for the security answer:
• The answer must be one word.
• The answer must not contain any blank spaces.
• The answer is not case sensitive and letters and/or numbers are accepted.
• The answer cannot contain special characters (i.e., &, $, etc.).
• The answer should be kept strictly confidential between the sender and recipient.
• The security question and/or answer must not be included in the optional message attached to the Interac e-Transfer® transaction.
Sending money by Interac e-Transfer® is quick and easy. First, you will need to set up a user profile and a recipient list. Once that is completed, you can now send an Interac e-Transfer® transaction by following these simple steps.
Online Banking:
1. Sign in to online banking on a desktop computer or tablet.
2. Go to ‘Transfers & Payments’.
3. Under Interac e-Transfer® click ‘Send Money’'.
4. At the top, select the account you wish to send from.
5. Select the contact you want to send money to from the dropdown menu.
6. Enter the amount.
7. Add an optional message if you like.
8. Click ‘Continue’.
9. Confirm details.
10. Click ‘Continue’.
2. Go to ‘Transfers & Payments’.
3. Under Interac e-Transfer® click ‘Send Money’'.
4. At the top, select the account you wish to send from.
5. Select the contact you want to send money to from the dropdown menu.
6. Enter the amount.
7. Add an optional message if you like.
8. Click ‘Continue’.
9. Confirm details.
10. Click ‘Continue’.
Mobile App:
1. Sign in to online banking on the mobile app.
2. At the bottom of the screen tap ‘Move Money’.
3. Tap Interac e-Transfer® at the top right corner.
4. Tap ‘Send’.
5. At the top, select the account you wish to send from.
6. Select the contact you want to send money to from the dropdown menu.
7. Enter the amount.
8. Add an optional message if you like.
9. Click ‘Continue’.
10. Confirm details.
11. Click ‘Continue’.
3. Tap Interac e-Transfer® at the top right corner.
4. Tap ‘Send’.
5. At the top, select the account you wish to send from.
6. Select the contact you want to send money to from the dropdown menu.
7. Enter the amount.
8. Add an optional message if you like.
9. Click ‘Continue’.
10. Confirm details.
11. Click ‘Continue’.
You can cancel an Interac e-Transfer® transaction before it has been deposited by the recipient.
Online Banking:
1. Sign in to online banking on a desktop computer or tablet.
2. Go to 'Transfers & Payments'.
3. Under Interac e-Transfer®, select 'History'. Pending transactions can be viewed here.
4. Select Cancel (red X). Click 'Continue'.
5. Confirm cancel transaction details and click 'Continue'.
6. Transaction successfully cancelled. The funds will be deposited back into the account where it was originally transferred from.
2. Go to 'Transfers & Payments'.
3. Under Interac e-Transfer®, select 'History'. Pending transactions can be viewed here.
4. Select Cancel (red X). Click 'Continue'.
5. Confirm cancel transaction details and click 'Continue'.
6. Transaction successfully cancelled. The funds will be deposited back into the account where it was originally transferred from.
Mobile App:
1. Sign in to online banking on the mobile app.
2. At the bottom of the screen tap ‘Move Money’.
3. Tap ‘Interac e-Transfer®’ at the top right corner.
4. Tap ‘History’.
5. At the top tap ‘Pending Transactions’.
6. Tap the Interac e-Transfer® you would like to cancel.
7. Select ‘Cancel’ (X).
8. Tap ‘Continue’.
9. Confirm cancel transaction details and click 'Continue'.
10. Transaction successfully cancelled. The funds will be deposited back into the account where it was originally transferred from.
2. At the bottom of the screen tap ‘Move Money’.
3. Tap ‘Interac e-Transfer®’ at the top right corner.
4. Tap ‘History’.
5. At the top tap ‘Pending Transactions’.
6. Tap the Interac e-Transfer® you would like to cancel.
7. Select ‘Cancel’ (X).
8. Tap ‘Continue’.
9. Confirm cancel transaction details and click 'Continue'.
10. Transaction successfully cancelled. The funds will be deposited back into the account where it was originally transferred from.
Note: Once money has been deposited by the recipient it cannot be cancelled. Be sure to verify the email address or cellphone number before you send money.
Note: You can now set up Autodeposit for your email address AND your cellphone number.
Online Banking:
1. Sign in to online banking on a desktop computer or tablet.
2. Go to ‘Transfers & Payments’.
3. Under Interac® e-Transfer click ‘Autodeposit Settings’.
4. Click 'Add Autodeposit'.
5. Under Register With, input the cellphone number or email address you would like to register and choose which account you would like your money to be automatically deposited into.
6. Agree to the acknowledgement and click ‘Continue’.
7. Confirm your autodeposit details and click ‘Continue’.
8. Enter the one-time password you receive via text or email address.
9. Click ‘Continue’.
10. A verification message will be sent to you via text or email to complete the registration. You will have the option of either completing the registration or declining it.
2. Go to ‘Transfers & Payments’.
3. Under Interac® e-Transfer click ‘Autodeposit Settings’.
4. Click 'Add Autodeposit'.
5. Under Register With, input the cellphone number or email address you would like to register and choose which account you would like your money to be automatically deposited into.
6. Agree to the acknowledgement and click ‘Continue’.
7. Confirm your autodeposit details and click ‘Continue’.
8. Enter the one-time password you receive via text or email address.
9. Click ‘Continue’.
10. A verification message will be sent to you via text or email to complete the registration. You will have the option of either completing the registration or declining it.
Mobile App:
1. Sign in to online banking on the mobile app.
2. At the bottom of the screen tap ‘Move Money’.
3. Tap ‘Interac e-Transfer®’ at the top right corner.
4. Tap ‘Autodeposit Settings’.
5. Click the + icon at the top right hand corner of the screen.
6. Under Register With, input the cellphone number or email address you would like to register and choose which account you would like your money to be automatically deposited into.
7. Agree to the acknowledgement and click ‘Continue’.
8. Confirm your autodeposit details and click ‘Continue’.
9. Enter the one-time password you receive via text or email address.
10. Click ‘Continue’.
11. A verification message will be sent to you via text or email to complete the registration. You will have the option of either completing the registration or declining it.
2. At the bottom of the screen tap ‘Move Money’.
3. Tap ‘Interac e-Transfer®’ at the top right corner.
4. Tap ‘Autodeposit Settings’.
5. Click the + icon at the top right hand corner of the screen.
6. Under Register With, input the cellphone number or email address you would like to register and choose which account you would like your money to be automatically deposited into.
7. Agree to the acknowledgement and click ‘Continue’.
8. Confirm your autodeposit details and click ‘Continue’.
9. Enter the one-time password you receive via text or email address.
10. Click ‘Continue’.
11. A verification message will be sent to you via text or email to complete the registration. You will have the option of either completing the registration or declining it.
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