Business Online Banking

Business online banking is a convenient and secure way for businesses and organizations to do everyday banking at the office, at home or on the go with a smart phone, saving you time and money.

With Assiniboine's Business Online Banking, you can manage your accounts anytime, anywhere you have Internet access. If you have a dual-signature requirement on your accounts, you can be sure that your online transactions are authorized just like your cheques as each signer is provided with a unique login.

With business online banking, you can:

  • access account balances, activity and details any time.
  • transfer funds between accounts.
  • send and receive Interac e-Transfers†.
  • transfer funds to another Assiniboine member.
  • pay bills.
  • file remittances to CRA.
  • view statements.
  • set up delegate access for non-signing staff or bookkeepers.
  • consolidate your other ACU memberships to view under one login.
  • set up mobile banking for your cellular phone.
  • download your account transactions to common accounting programs.
  • check your Mastercard® and Credential® accounts online.
  • enjoy enhanced security features.

To use business online banking, you need:

  • access to the Internet.
  • a personal computer or mobile device with a minimum 800 x 600 display resolution.
  • a web browser with 128-bit encryption. See Supported Browsers for more information.
  • a card number and Personal Access Code (PAC).

Check out the Business Online Banking Member User Guide for information about setting up delegates, consolidating accounts, approving transactions and more.

For additional information, you can visit any ACU branch or contact your Business Financial Centre or Community Financial Centre representative.

Sign Up for Business Online Banking Expand/Collapse

What You Need to Sign Up

Access to the Internet

Even if you don't have access to the internet at home, you can do online banking using a secure login at other locations.

A personal computer or mobile device 

Online banking supports very basic minimum screen resolutions. The minimum resolution is an 800 x 600 display.

A web browser with 128-bit encryption

All modern browsers support 128-bit security encryption. If you're not sure what you have, see Browser Requirements for more information.

Contact Us For the Next Step

Visit any ACU branch or call your representative from the Business Financial Centre or Community Financial Centre. We will provide the account signers with a unique card number and Personal Access Code (PAC) which will be used to securely log in to online banking.

First Time Login Process for Business Online Banking Expand/Collapse

Logging in to online banking is just a few clicks away.

  1. You can access online banking using the login box on every page of the website.
  2. Enter your card number and your Personal Access Code (PAC), then click login.
  3. You will be prompted to change your PAC.
  4. The first time you log in, the direct service agreement appears. Once you have read and accepted the terms and conditions, you can continue to the site.
  5. Select three security questions and provide three answers to the questions.

NOTE: These questions will appear if you are logging in from an unregistered computer or device.

  1. To register the computer or device you are presently using, click the checkbox.

When you register your computer or device, a cookie will be placed on your computer/device which the online banking system will recognize as trusted, and you will not be asked one of the security questions when you log in. If you choose to delete your browser cookies, the system will ask you one of your security questions the next time you log in.

For your own security, do not register public computers or any other computer/device that you believe could be insecure.

 

Secure Login from a Registered Computer Expand/Collapse

Logging in From a Registered Computer or Device

You can always register a computer which is for your personal use and is in a secure location. Don't register a public computer.

By registering a computer, the login process is shortened to one step:

  1. Enter your 16-digit acu debit card number, and click login and in the Access Code field enter your Personal Access Code (PAC), then select login. The banking system will verify that the computer or device you are using is registered with the debit card number you entered.

Secure Login from a Non-Registered Computer Expand/Collapse

Logging in from a Registered Computer or Device

You can always register a computer which is for your personal use and is in a secure location. Don't register a public computer.

By registering a computer, the login process is shortened to one step:

  1. Enter your 16-digit acu debit card number, and click login and in the Access Code field enter your Personal Access Code (PAC), then select login. The banking system will verify that the computer or device you are using is registered with the debit card number you entered.

Manage Your Personal Access Code Expand/Collapse

Important information about your Personal Access Code

  • When you sign up for telephone banking or online banking, you will be provided with a Personal Access Code (PAC) number. This is different from your Personal Identification Number (PIN) which you use when you're using an ATM or making an Interac purchase.
  • You’ll need your PAC each time you use online banking services.
  • Your PAC number is a security code that keeps your account safe, so record your PAC in a secret place or memorize it.
  • When you receive your PAC, you can either keep the number you’re given or change it to a new number.
  • When you choose your own PAC, avoid using numbers that can be easily linked to you such as your date of birth, address, social insurance number, phone number, etc.
  • Never give your number to anyone else.
  • Change your PAC regularly. You can do this after you log in to online banking.
  • If you ever forget your PAC, contact the Member Communication Centre. We'll ask you some questions to establish your identity, and then set up a new PAC for you.

Frequently Asked Questions About Delegates Expand/Collapse

About Delegates

What is a delegate?

A delegate is someone who requires limited access to your online banking accounts. This can be someone within your company or someone outside. As a signer on the account, you can add up to three delegates. These may have either view-only or initiator access. Please note that Assiniboine cannot create delegates on your behalf.

How is a delegate different from a signer?

Signers have full authority on accounts; delegates only have access that signers give them to initiate transactions or view account information and they cannot approve transactions. To find out more about signers and delegates, see Business Online Banking Member User Guide.

What is the difference between a view-only delegate and an initiator delegate?

View-only delegates can only view account balances and activity in accounts you give them access to. For example, a receptionist may require view-only access to look at and track transactions.

Initiator delegates can view accounts and initiate transactions, which must then be approved by the required number of signers. For example, a bookkeeper may require initiator access to set-up bill payments and transfers.

Can I give my delegate access to see specific accounts only under my business membership?

Unfortunately not. Access is granted on a membership basis, so once you give access to a particular membership, there is no way of limiting access to specific accounts.

Can my delegate obtain information on my accounts when they visit the branch or phone the Member Communication Centre?

No. Assiniboine employees do not have any information on your delegates, nor do they have the ability to see who you have added or removed. They also do not have the ability to unlock or reset passwords for your delegates. As an account signer, you are responsible for managing your delegates.

About Adding Delegates

Can I see the delegates that my business partner has added?

Yes. You will be able to see the delegates that your partner has added, but only they can edit their access. However, you and your partner do have the ability to delete each other's delegates in order to ensure security. For example, your partner finds out that his delegate has suddenly left the company, and would like to delete his access right away, but is unable to get to a computer. You will be able to delete the delegate to ensure online access to your accounts remains secure.

Does my partner need to approve the addition of my delegate?

No. You and your partner are both free to add delegates on your own. Keep in mind that if your account requires both of you to sign, both you and your partner must approve any transactions that your delegates may initiate.

Why isn't the add delegate link working?

You can add up to a maximum of three delegates. Once you have added three delegates, the link becomes inactive.

About Delegate Logins and Passwords

How do I choose a delegate's login and password?

When you click on add delegate, you will be taken to the add delegate page where your delegate's login will be automatically generated and cannot be changed. Here you will enter a temporary password and communicate it to your delegate in a secure way. You have the option on the add delegate page to enter their phone number or email address to send the delegate’s info directly through the system.

Why can't I change my delegate's login?

Your delegate's login is automatically generated to ensure that it remains unique and secure, that way no one can change it and access your online banking information.

What should I do if my delegate forgets his or her password?

If your delegate forgets his or her password, you must assign a new one. On the delegate manager page, click edit beside your delegate's name; you will then be directed to the edit delegate page where you can enter a new temporary password. Remember to always give your delegates their passwords in a secure way. The delegate will be prompted to change the temporary password after logging in.

Can my delegates get locked out of online banking?

Yes. Delegates can be locked out if they enter an incorrect password, or incorrectly answer their security questions, three times in a row. This is a security feature that most online banking platforms use to prevent fraudulent activity online.

How do I restore access for a delegate who is locked out of online banking?

On the delegate manager page, click edit beside your locked delegate's name. You will be directed to the edit delegate page where you will check the unlock this account box to restore your delegate's access.

About Managing Delegate Access

How can I temporarily remove a delegate's access?

On the delegate manager page, click edit beside your delegate's name. You will be directed to the edit delegate page where you can change the delegate's status to inactive. When you want to restore access, follow the same steps to change the status back to active.

How can I permanently remove a delegate's access?

On the delegate manager page, click delete beside the delegate's name to permanently remove the user.

Will my delegate see my personal accounts?

Delegates can only see the accounts under memberships you have given them access to. If you have consolidated your personal membership with your business membership but don't want your delegates to see the personal membership, make sure your personal membership is not selected for delegate access.

About Transaction Approvals

How do I know if there's a transaction waiting to be approved?

There are a few different ways. When you log in, you will see a notification of pending transactions at the top of the screen. You can also sign up to receive an alert via email or text message when a pending transaction requires an approval. Or, the initiator of the transaction can simply let you know when you need to log in and approve a transaction. Every business is different, so you can work out a process that works best for your situation.

How long do I have to approve transactions?

Pending transactions will expire after seven days, except in the case of a scheduled transaction that is scheduled within those seven days. These will expire by the scheduled payment date.

What happens to unapproved transactions after the seven days?

If you haven't approved the transaction within the approval timeframe, the transaction will be labelled as expired. You will continue to see expired transactions in the transaction manager page for 30 days.

Can an initiator delegate approve transactions?

No. Initiator delegates can only create transactions on the system. These transactions will remain in pending status until the required signers log in and approve.

To learn more about business online banking, see Business Online Banking Member User Guide.

Business Online Banking Direct Service Agreement Expand/Collapse

The Direct Services Agreement is the legal agreement between you and Assiniboine Credit Union for use of online banking services.

  • You will see the agreement when you log in to online banking for the first time. Before you begin using online banking, you will need to read and agree to the terms and conditions outlined in the agreement.
  • The agreement explains how you can access and use our online banking services.
  • See Direct Service Agreement for Business Online Banking

®Credential and Credential Direct are registered marks owned by Credential Financial Inc. and are used under licence.

 

Online BankingExpand/Collapse

Related Products & Services Expand/Collapse