To login, you must have an SCU debit card and a temporary Personal Access Code (PAC) provided to you by a staff member. Enter your full debit card number, then enter your PAC in the correct fields.

If this is your first time logging into online banking, you will be prompted to register for 2-Step Verification. You will require a phone number or email address to complete the registration. You will also have to complete a mandatory PAC change.

Whether you are using Online Banking or the Mobile App, the steps are the same:

1. Login to online banking or the mobile app using your debit card number and your existing Personal Access Code (PAC).

2. You will now see the Enable 2-Step Verification screen which will ask you to register a contact method to receive verification codes. You may register either your email address, your mobile phone number for texts, or a phone number for voice calls. Enter your chosen contact method and click the Send Code button.
   
   *NOTE: If you would like to register multiple contact methods, visit “Profile and Settings” in online banking or “Settings” in the mobile app once you are logged into online banking. By entering multiple contact methods, you will be able to choose how to receive verification codes when 2-Step Verification is required for future logins.

3. You will now be sent a one-time verification code via your chosen contact method (may take several minutes to receive). This code is valid for 10 minutes. If you selected email, please check your junk mail folder.  Enter the verification code then click “Continue”. If you do not receive the verification code select “We can send a new verification code” to try again.

4. Once you have entered the correct verification code, you will see a green check mark and “Enrolment complete”. Click “Continue” again to enter online banking.

Yes, you can change your contact method or add additional contact methods for 2-Step Verification. Having multiple contact methods set up allows you to choose how you will receive a verification code.

To change or add a contact method in Online Banking:

1. Select Profile & Settings from the menu on the left, then select Change 2-Step Verification Information.
2. Add or change your contact method. 
3. Follow the onscreen steps to complete the update or change.

1. Swipe left on the main screen once and select Settings, then 2-Step Verification Settings.
2. Add or change your contact method. 
3. Follow the onscreen steps to complete the update or change.

1. Select “Forgot Password?” under the login button on the login screen.

2. Enter your debit card number and your date of birth (YYYY-MM-DD). Select “Continue”.

3. You will then be asked to verify yourself using 2-Step Verification. You will be asked to select which contact method you would like to use to receive your one-time verification code. Then select “Continue”.

4. Enter the one-time verification code then select “Continue”. If you did not receive the code, you can select the option to receive a new verification code.

5. You will now be able to set up your new Personal Access Code (PAC). Be sure to meet all of the PAC requirements, as shown. Enter the same PAC twice, then select “Continue”.

6. You will receive a “Success” confirmation screen. Select “Go To Login” to login to online banking.

If you forget your PAC/password, of if you receive the error “Unsuccessful – PAC retries exceeded”, please use the Forgot Password link on the login page to reset your password.

If you receive the error “Sorry, your account has been locked out” please contact a branch. For assistance after hours, please call 1-888-236-1356.

In Online Banking:

1. Login with your current PAC.
2. In the menu on the left, select Profile and Settings, then select Change Personal Access Code.
3. Follow the on-screen steps.

In the Mobile App:

1. Login in with your current PAC.
2. From the home screen, swipe left once then select the Settings icon.
3. Select Change Personal Access Code.
4. Follow the on-screen steps.

Your PAC must meet these requirements:

• 8 to 30 characters long
• Contains at least one lower case letter
• Contains at least one upper case letter
• Contains at least one number
• Contains at least one special character, for example @ # % ! *. Spaces are allowed, but not required.

Whether you are using Online Banking or the Mobile App, the steps are the same:

1. Click Login.

2. Enter your full debit card number found on the front of the card and enter your Personal Access Code (PAC).

3. Select Remember Me.

4. Enter a name for this saved login.

5. Click Login.

Whether you are using Online Banking or the Mobile App, the steps are the same:

1. Click Login.

2. Select Manage Login Profiles on the login screen.

3. A trash icon will appear beside your saved login. Click the trash icon for the login you wish to delete.

4. Confirm the change.

To set up Face ID or Touch ID:

*You must have Face ID/Touch ID set up on your device prior to turning on the feature in the SCU app. 

*For Android devices, only Touch ID is available.

*You must have a Saved Login set up. See the section above for steps on how to set up a Saved Login.

1. Login to the mobile app.

2. From the home screen, swipe left once then select the Settings icon.

3. Select Biometric Setup.

4. Accept the agreement for use.

5. Toggle on the option for Face ID/Touch ID. 

To set up Quickview, you must first create a Saved Login (see the section above for more information).

1. Login to the mobile app using your Saved Login.
2. Select QuickView Settings from the bottom right of the QuickView area on the home screen.
3. Select up to three accounts to display in QuickView.
4. Save.

The following banking alerts are available:

• New bill payment payee added
• Personal Access Code (PAC) changed
• Online banking login
• Online banking account locked out
• Interac® e-Transfer recipient added
• Interac® Online Payment authorized

In Online Banking:

1. Login to online banking.
2. Select Messages and Alerts from the menu on the left.
3. Select Manage Alerts or Get Started Today.
4. Turn on notifications for the alerts you would like to receive and set up your email or cell phone number for text alerts.

In Mobile App:

1. Login to the mobile app.
2. From the home screen, swipe left twice then select the Alerts icon.
3. Select Manage Alerts.
4. Turn on notifications for the alerts you would like to receive and set up your email or cell phone number for text alerts.

IBM Trusteer Rapport is a free fraud protection software that protects your device and mitigates financial malware infections. By protecting your internet connection, Trusteer Rapport creates a tunnel for safe communication and helps block malicious attempts to access your accounts.

Trusteer Rapport can be downloaded in seconds and there is no need to restart your computer. It simply works in the background so you can bank and use the internet as usual. For more information, or for technical support visit IBM Trusteer Rapport.

Before sending an e-transfer you will need to register yourself and setup a recipient list. You only need to register once and then you are ready to go.

Registering in Online Banking:

1. Login to online banking.
2. Select Transfers from the menu on the left, then select Send INTERAC® e-Transfer.
3. Complete the Sender Profile by entering YOUR information.

Now you can add a recipient:

1. Select Transfers from the menu on the left then Add/Delete Recipients.
2. Enter the recipient’s name, email address or mobile phone number, and a security question and answer (this is case sensitive). When creating your security question always choose a question that only you and your recipient will be able to answer.
3. Add Recipient.

Registering in Mobile App:

1. Login to the mobile app.
2. Select the INTERAC® e-Transfer icon on the main screen.
3. Complete the Create a Profile screen by entering YOUR information.
4. Save.

Now you can add a recipient:

1. Select the INTERAC® e-Transfer icon on the main screen.
2. Select Settings from the top of the screen.
3. Select Manage Recipients, then select Add Recipient.
4. Enter the recipient’s name, email address or mobile phone number, and a security question and answer (this is case sensitive).
5. Add Recipient

Important information about sending an e-transfer:

• The recipient has 30 days to accept the transfer.
• Once the recipient has accepted the e-transfer, it cannot be cancelled. Always double-check the email address or mobile phone number before you send your e-Transfer. Keep your password secret at all times.

Sending an e-transfer in Online Banking:

1. Login to online banking.
2. Select Transfers from the menu on the left, then select Send INTERAC® e-Transfer.
3. Complete the transaction by choosing a recipient from your list, select how you wish to notify them (by email, text or both), which account you wish to take the money from, the amount, and an optional message for the recipient.
4. Send Transfer.

In Mobile App:

1. Login to the mobile app.
2. Select the INTERAC® e-Transfer icon on the main screen, then select Send Money.
3. Complete the transaction by choosing a recipient from your list, which account you wish to take the money from, the amount, and an optional memo for the recipient.
4. Continue.

If you did not receive a notice that the recipient was registered for Autodeposit when you sent the e-transfer, and the recipient has not yet accepted the funds, then you can follow the steps below to cancel a pending e-transfer.

In Online Banking:

1. Select Transfers from the menu on the left, then select Send INTERAC® e-Transfer.
2. Select Pending from the top menu to view any sent e-transfers that have not yet been accepted.
3. Choose to Cancel the pending e-transfer or resend a notification to the recipient. 

In Mobile App:

1. Select the INTERAC® e-Transfer icon on the main screen, then select Send Money.
2. Select Pending from the menu on the top of the screen to view any sent e-transfers that have not yet been accepted.
3. Choose to Cancel the pending e-transfer or resend a notification to the recipient.

When someone sends you an e-transfer from their financial institution you will receive an email or text message notifying you about an incoming e-transfer.

1. Click on the SCU logo, or if it is not shown in the email, click Select a Different Financial Institution and then choose Ontario under Credit Unions and locate Sudbury Credit Union in the list.
2. Choose to open SCU online banking or the SCU mobile app. Login.
3. Select the account which you would like to deposit the funds into.
4. Answer the security questions.
5. Accept.

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

For senders, there is added convenience of not needing to convey security answers while continuing to have the security of knowing who is receiving the funds, prior to sending.

Set up is simple:

1. Login to online banking or the mobile app and select INTERAC® e-Transfers, then Autodeposit from the settings menu.
2. Register your e-mail address and link your account. Any transfers to the registered email address will be automatically deposited into the account.
3. You will receive an email to confirm your registration. Check your inbox and click Complete Registration.

Easily request money you are owed with the INTERAC® e-Transfer request money feature. When you send a request for money, the recipient is notified instantly and can accept the request. If accepted, the requested amount will be automatically deposited into your account and you will be notified when funds are available.

To request money:

1. Login to online banking or the mobile app and select INTERAC® e-Transfers, then Request Money from the menu.
2. Add or select a contact and fill out the name and e-mail address or mobile phone number of the person you wish to send the request to.
3. Type in the specified amount you are requesting and select the account you would like the funds to be deposited into. You can also include a personalized message with the request.
4. Once the recipient has fulfilled your request, funds will immediately be deposited into your bank account and you will be notified by email or text.

Apple Wallet

iPhone:

1. Login to your SCU Mobile App.
2. Select Settings, then Setup Apple Pay.
3. Select the debit card that you would like to add to your Apple Wallet.
4. Follow the onscreen instructions to add your debit card.

1. Open the Wallet app.
2. Tap + in the upper right corner.
3. Follow the onscreen instructions to add your debit card.

Apple Watch:

1. Open the Apple Watch app on your iPhone.
2. Go to the My Watch tab. If you have multiple watches, choose one.
3. Tap Wallet & Apple Pay and select Add Credit or Debit Card.
4. Follow the onscreen instructions to add your debit card.

Google Wallet

1. Open the Google Wallet app or download it on Google Play.
2. Tap ‘Add to Wallet’ and follow the instructions.
3. Verify your card if needed.

Samsung Pay

1. Open Samsung Pay and register your Samsung Pay PIN.
2. Follow on screen instructions to add your debit card and then select your preferred method to verify the card.
3. Select your desired security or authentication options. You’re all set to start using Samsung Pay!

Apple Pay

No, WiFi or data is not needed to pay with mobile wallet in stores.

The device number may be required by the merchant when processing a refund. Follow the steps below to locate the device number.

In Apple Wallet:

1. Tap on the card
2. Select the menu icon from the top right.
3. View the Device Account Number

In Google Wallet:

1. Tap on the card
2. At the bottom, tap Details.
3. View the Virtual Account Number

In Samsung Pay:

1. Select Menu, then tap Cards
2. Tap on the card.
3. View the Digital card number.

In Online Banking:

1. Select Payments from the left hand menu, then select Add/Delete Payees.
2. Select Add Payee.
3. You may choose to Search by Payee Name or Browse by Type. Once you locate the correct payee (refer to your bill from the vendor for the correct name), enter in your account number for the payee which you will find on your bill. Be sure to enter all of the digits.
4. Submit.

In Mobile App:

1. Select Pay Bills.
2. Select Manage Payees from the top menu, then select Add Payee on the next screen.
3. You may choose to Search by Payee Name or Browse by Type. Once you locate the correct payee (refer to your bill from the vendor for the correct name), enter in your account number for the payee which you will find on your bill. Be sure to enter all of the digits.
4. Submit.

If you just submitted a bill payment and realize that you selected the wrong payee, you do have the ability to cancel the payment using the Mobile App only. Please note: The ability to cancel a bill payment is limited to a short period of time immediately following the submission of the payment and must be cancelled through the Mobile App.

To cancel a bill payment from the Mobile App:

1. Select the Scheduled icon on the home screen.
2. You will see the bill payment that you just submitted. Use the red trash can icon to delete it.

Scheduled Bill Payments can be cancelled anytime before the payment date. These types of bill payments can be cancelled through desktop Online Banking and through the Mobile App.

To cancel a Scheduled bill payment in Online Banking:

1. From your Account Summary screen, click on the Scheduled Bill Payments section found on the right side of the screen.
2. Locate the scheduled bill payment then click on the menu icon (three dots) to the right side of it and select the Delete option.

To cancel a Scheduled bill payment in the Mobile App:

1. Select the Scheduled icon on the home screen.
2. Delete the scheduled bill payment using the red trash can icon.

Yes. You can rename your accounts to something that is meaningful to you, such as My Vacation Account. Renaming accounts can only be done in Online Banking. This feature is not available through the Mobile App.

1. Login to online banking.
2. You will be shown the Account Summary screen. Locate the account that you would like to rename from the list of accounts displayed on the screen. Click the three dots located to the right of the account to open the menu.
3. Select Rename Account from the menu.
4. Enter the account name of your choice in the New Account Name field.
5. Click Continue.
6. Verify the change and Submit.

You may also contact a branch to have your accounts renamed by a staff member.

In Online Banking:

1. Select Account Services from the left side menu, then select Void Cheque.
2. Select the account of your choice from the drop-down list.
3. Submit.
4. Download.

This service is not yet available in the Mobile App.

You can enroll in ClickSWITCH through desktop online banking. This service is not available through the mobile app.

1. Login to online banking.
2. Select Payments from the menu on the left, then ClickSWITCH.
3. Select the Accounts that you would like to use for direct deposits or automatic bill payments, then click Enroll and Sign In. *Be sure to select all of the accounts that you may want to use as you will not have the opportunity to select additional accounts once you enroll. To have additional accounts added, contact a branch.
4. Read and Accept the Terms of Use.
5. Now you will see the ClickSWITCH dashboard. Select Switch Direct Deposits or Switch Recurring Payments depending on what you would like to do.
6. Choosing Enter Details will allow you to manually enter all of the information. Choosing Use Switch Assist will have you login to your other financial institution’s online banking to review the direct deposits and recurring payments you have set up.
7. If you select Enter Details, enter the requested information on the next screens to complete the switch. NOTE: If you are setting up a recurring bill payment that is NOT a fixed monthly amount, enter “Monthly Due” in the amount field to indicate that you would like to pay the full amount due each month.
8. Review the confirmation screen. There may be additional instructions here.

The status of the recurring payment and direct deposit switches you complete will be updated within ClickSWITCH.

1. Login to online banking.
2. Select Payments from the menu on the left, then ClickSWITCH.
3. Select View Existing Switches from the ClickSWITCH dashboard.
4. Your switches will appear here with a Current Status.

CRA Direct Deposit enrolment must be completed through desktop online banking. This service is not available through the mobile app.

1. Login to online banking.
2. Select Account Services from the menu on the left, then Setup CRA Direct Deposit.
3. Complete the next three steps; Payment Information, Authorization, and Confirmation.
4. Once you will be presented with a final confirmation screen. Please confirm that your direct deposit enrolment was successful by logging into your CRA account directly the following day.

Once you provide consent for your banking information to be shared with the CRA, your direct deposit information will be updated by your financial institution the following day. The CRA aims to process your direct deposit enrolment or information updates in one or two business days. Given the current environment, you may experience longer than usual processing times once the CRA receives your information from your financial institution.

If you are fully registered for CRA’s My Account, you can verify your direct deposit information through the online self-service portal.

1. Complete your one-time registration through online banking or the mobile app to get started. Select Transfers, then select International Transfers to begin. Be sure to have your Government issued photo ID (eg. drivers’ license or passport) ready to upload.

2. Add your recipient’s details, including their contact information and their bank account details.

3. Review and confirm your international transfer.

4. Execute the transaction.

You will need:

• Access to your online banking

• A chequing or savings account

• Government issued photo ID (eg. drivers’ license or passport) ready to upload

• The recipient’s contact information and bank account details including:

  • Full name, address, phone number and date of birth

  • Full name and address of receiving financial institution

  • Branch transit number

  • Account number

  • SWIFT or BIC code or US ABA number

*When registering, be sure to select all of the countries you are planning to send money to. If you need to add other countries after your initial registration, call International Transfers Support at 1-604-256-6200 between 10am – 10pm AST.

To update your personal information or add additional destination countries, call International Transfers Support (1-604-256-6200) between 10am-10pm AST. A representative from International Transfers support team will ask you a few questions to confirm your identity and will update your information in real-time.

For support related to the International Transfers service contact the International Transfers Support Team:

• Telephone: 604-256-6200

• support@internationaltransfers.ca

The MemberDirect Small Business Online Banking guide will help you get started.

Delegate passwords can only be reset by the account Signer who created the delegate's access. 

You can file and pay/remit the following business tax payments in Online Banking:

• GST/HST 34
• GST/HST Amount Owing Remittance (RC 159)
• GST/HST Interim Payments Remittance (RC 160)
• Corporation Tax (RC 159/RC 160)
• Payroll & Source Deduction - Current Year

The CRA Business Payments Online guide will assist you in making online payments.

CRA Direct Deposit for Businesses must be completed through Online Banking. This service is not available through the Mobile App.

1. Login to online banking.
2. Select Account Services, then select the option for CRA Direct Deposit for Businesses (CEWS).
3. Complete the next steps; Payment Information, Business Information, Your Information and Confirmation.
4. Once you have completed the steps, you will be presented with a final confirmation screen. Please confirm that your direct deposit enrolment was successful by logging into your CRA My Business Account directly the following day.