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Getting Started

Sign In For An Existing User

When you sign in for the first time, you will use your MemberCard number, your existing Personal Access Code (PAC) and the mobile number or email address associated with your account. This must be the same information that you have on file with Cypress Credit Union. Please notify us of any changes.

Step 1: Sign in with your current login credentials

Go to the sign-in screen and enter your MemberCard number and your Personal Access Code (PAC).

Step 2: Set up your new username

Enter a new username (the username cannot be your card number and avoid using your name). Choose something unique to you and something that you can easily remember because once you have created it, you can’t change it. If you try something that is not accepted, it likely means someone else has already chosen that username.

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.

Step 3: Set up a new password

Choose a password that has a minimum of 10 characters and includes:

  • 1 Uppercase
  • 1 Lowercase
  • 1 number

Special characters are optional.

Step 4: Verify your identity

You will need to enter your mobile phone number or email address. If the contact information entered does not match the information that Cypress Credit Union has on file, a verification code will be sent to the mobile phone number or email address that you entered. Enter the code you receive, in the verification popup window and click ‘Confirm’

Note: You will not receive a verification code if the contact information you entered matches the information we have on file

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 online banking, you will use the Username and Password you just created.

Sign In For a New User

When you sign in for the first time, you will use your MemberCard number, your date of birth, and a valid cell phone number or email address.

Step 1: Sign in using your debit card

This is the number on the front of your MemberCard

Step 2: Verify your identity

You will need to enter your date of birth and either your mobile phone 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 on 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). Choose something unique to you and something that you can easily remember because once you create it, you can not change it.

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.

Step: 4 Set up a password

Choose a password that has a minimum of 10 characters and includes:

  • 1 Uppercase
  • 1 Lowercase
  • 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 online banking, you will use the Username and Password you just created.

Sign In For Our New Small Business Online Banking User

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 MemberCard number, your date of birth, and a valid mobile phone number or email address.

Step 1: Sign in using your Business MemberCard

This is the number on the front of your MemberCard.

Step 2: Verify your identity

You will need to enter your date of birth and either your mobile phone 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 (the username cannot be your debit card number and avoid using your name). Also, if you have a Personal Account with Cypress Credit Union, make sure your usernames are not the same. 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. 

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 the username.

Step 4: Set up a password

Choose a password that has a minimum of 10 characters and includes:

  • 1 Uppercase
  • 1 Lowercase
  • 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 Business Online Banking, you will use the username and password you just created.

Consolidate Your Personal & Business Profiles

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 into online banking (profile consolidation setup is not available on the mobile banking app)
  2. Select ‘Business Services’
  3. Click ‘Profile Consolidation’
  4. Click ‘Add Profile’
  5. Enter your personal profile username
  6. Enter your personal profile password
  7. Click ‘Continue’
  8. Review the details and click ‘Continue’
  9. The 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 profile 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.

How Does the Small Business Online Banking Differ From the Personal Online Banking?

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. Provide delegates with their own login ID and password so they can sign in separately. For example, you can select a 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 holiday or on leave). Other signors on the business can also delete your delegates if required.
  • Unlock your delegates if their account is locked by 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 the business accounts that require two people to approve transactions. (You can have as many signors as the organization requires, but you only need 2 to sign for dual signature).

Manage your accounts anytime, anywhere through mobile access within our mobile app and mobile web banking (this option is only available for signors. 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. Stay 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.

Why Do I Need to Enter my DOB to Set Up Small Business Online Banking?

As a signor 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 mobile phone number on file with Cypress Credit Union is up to date. This will ensure that your identity can be validated at sign in.

You can update your information by calling 1.877.353.6311 or your local branch.

How Do I Download The Cypress Credit Union Mobile App?

Get instant and secure access to your accounts with the Cypress Credit Union mobile app. You can download the app by following these simple steps, and it’s free.

Existing Users

For Apple Users:

The new Cypress Credit Union app will be available as an app update. Install the update and you will be connected to our new Online Banking Mobile App. Follow these instructions to apply the update:

  1. Visit the App Store
  2. Search Cypress Credit Union
  3. Tap the Cypress logo
  4. Hit ‘Update’ and you’re set

For Android Users:

  1. Delete the old version of the Cypress Credit Union Mobile App
  2. Close all open apps and browser windows on your device
  3. Restart your device
  4. Install our new Cypress Credit Union App found on Google Play

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.

New Users

For Apple Users:

  1. Search ‘Cypress Credit Union’ in the Apple App Store
  2. Look for our app icon and verify that the author of the app is Cypress Credit Union
  3. Tap ‘Get’ and once installed click ‘Open’

For Android Users:

  1. Search ‘Cypress Credit Union’ in your Google Play app store
  2. Select the app icon and verify that the author of the app is Cypress Credit Union
  3. Tap the ‘Install’ button
How Do I Install The Cypress Credit Union Mobile App Onto My iPad or Tablet?

Our new Online Banking Mobile app is only available to install on iPhone and Android smartphones. Apps cannot be installed on tablets or iPads at this time, so in the meantime, to access online banking on your iPad or Tablet, you can use the browser of your mobile device (e.g. Safari) and visit our website to Sign In to Online Banking.

Manage Your Accounts

Help, I’m Locked Out

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 your branch and someone 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.

How Do I Change or Reset My Password?

Web Browser:

  1. On the sign-in page, click ‘Forgot Username or Password?’
  2. Click ‘Rest Password’
  3. Enter your username
  4. Select the identification method, and choose the email or mobile phone used in enrollment from the drop-down list
  5. Enter your email address or cell phone number and click ‘Continue’
  6. A password successfully reset message will be displayed. Click ‘Continue to Sign In’
  7. Sign in with your username and new password

Mobile App:

  1. Click ‘Sign In‘ 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 mobile phone number)
  4. Enter your email address or mobile phone number and tap ‘Continue’
  5. Enter the code that was sent to your email or mobile phone 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
Setting Up Alerts

You will need to set up your alerts in the new Online Banking for each individual account. Account alerts are unique to each account- different alerts can be set up on different accounts. Only one balance frequency notification can be selected (daily, weekly, or monthly) per account.

You can choose to receive alerts using all, a combination of, or one notification type (text, email, and/or push notification).

There are two types of alerts, account 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).

Web Browser:

  1. Sign in to online banking on a desktop/tablet
  2. Click ‘My Cypress’ and under Alerts select ‘Security’ or ‘Account’
  3. Select the account
  4. Under each heading toggle on/off the types of desired notifications (text message, email, push notifications)
  5. Set the limit and amount if applicable
  6. Click ‘Save’

Mobile App:

  1. Sign in to online banking on the mobile app
  2. Tap ‘More’ (located on the bottom right-hand corner), choose ‘Alert Settings’, and then tap either ‘Accounts Alerts’ or ‘Security Alerts’
  3. Choose the account
  4. Under each heading tap the type of alert you would like then toggle on/off the types of desired notifications
  5. Set the limit and amount if applicable
  6. Click ‘Save’
Setting Up Favourite Transactions

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 another Cypress Credit Union member.

Web Browser:

  1. Simply click the favourites icon (heart with a 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

Mobile App:

  1. Simply click the favourites icon (heart with a plus [+] symbol) after completing a transaction
  2. Give the favourite a name and click ‘Confirm’
  3. You will receive a successful verification message
How Do I Use Favourite Transactions?

Web Browser:

  1. Sign in to online banking on your desktop/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 homepage)

Mobile App:

  1. Sign in to online banking on the mobile app
  2. Navigate to your ‘Dashboard’ (bottom left-hand corner)
  3. Scroll to ‘Favourites’ 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, tap ‘Use’ (heart symbol)
Delete, Rename or Add a Photo to Favourite Transactions

Web Browser:

  1. Sign in to online banking on your desktop/tablet
  2. Select ‘Accounts’
  3. Under accounts click ‘Favourite Transactions’ (You can also click the heart icon located at the top right-hand corner on your home page)
  4. Here you can delete your favourite, edit (add an 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
  5. Here you can delete your favourite, edit (add an image, change the name, and choose if this favourite is visible on your home page) or use it.
Hide Accounts In Online Banking

You can change the way your accounts display so that you see only the accounts you want to see.

Web Browser:

  1. Sign in to online banking on your desktop/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 the account is visible.
  5. Select which accounts you want to be visible, then click ‘Save’

This option is not available on the Mobile App.

Update Your Contact Information

Web Browser:

  1. Sign in to online banking on your desktop/tablet
  2. Go to ‘My Cypress’, under ‘Settings’, click ‘Contact Details’ and update where applicable
  3. Tick the box to consent and click ‘Continue’

Mobile App:

  1. Sign in to online banking on the mobile app
  2. Tap ‘More’ (located in the bottom right-hand corner)
  3. Choose ‘Profile’ and then tap ‘Contact Details’ and update where applicable
  4. Tick the box to consent and tap ‘Continue’

Payments & Transfers

Add a New Bill Payee

Web Browser:

  1. Sign in to online banking on your desktop/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. Enter the code into the “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 on 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 the + symbol on the top right of the 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 the details and confirm by clicking ‘Continue’
  10. An authentication code will then be sent to you by email or text message. Enter the code into the “Enter Code” field and select ‘Continue’
  11. Choose ‘Manage Payees’ and verify the added payee is included on the list
Pay A Bill

To pay a bill, first, add your payee, if you have already set up your bill payee, then you are ready to go.

Web Browser:

  1. Sign in to online banking on your desktop/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’

If you wish to add another payment, click ‘Add Another Payment’ and repeat steps 4 and 5

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 Payments’
  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

Click ‘Add Payment’ if you wish to add another payment, then click ‘Add Another Payment’ and repeat steps 4 and 5

Click ‘Continue’, confirm payments and dates added and click ‘Continue’ to confirm

Set Up Recurring Bill Payments

Simply use the ‘Schedule Recurring Payments’ option to set up recurring payments on online banking. You can schedule a recurring bill payment up to three years in advance.

Web Browser:

  1. Sign in to online banking on your desktop/tablet
  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 the payee name, amount, payment frequency and start and end date. Click ‘Continue’
  6. Confirm your payment by clicking ‘Continue’

Mobile App:

  1. Sign in to online banking on the mobile app
  2. On the bottom navigation bar tap ‘Move Money’ then 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 the payee name, amount, payment frequency, and start and end date. Tap ‘Continue’
  5. Confirm your payments by tapping ‘Continue’
Edit Scheduled Bill Payments

On 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 and re-add it with the correct details.

Make a Loan Payment

Note: All loan payments are applied as principal-only payments. Regularly scheduled payments will still occur.

Web Browser:

  1. Sign in to online banking on your desktop/tablet
  2. Click on ‘Transfers & Payments’, under “Transfers” click ‘Transfer Funds’
  3. Under “Transfer From” click on the account that you’d like to transfer funds from
  4. Under “Transfer To” click the down arrow to show all your accounts, including your loans
  5. Select the loan you would like to make the principal payment to
  6. Under “Transfer Details” enter the amount and click on “Immediate, Schedule, or Recurring”
  7. Under the “Memorandum” you can include text for your reference (optional)
  8. Click ‘Continue’

Mobile App:

  1. Sign in to online banking on the 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” tap the down arrow to show all your accounts, including your loans
  5. Select the loan you would like to make the principal payment to
  6. Under “Transfer Details” enter the amount and top on “Immediate, Schedule, or Recurring”
  7. Under the “Memorandum” you can include text for your reference (optional)
  8. Tap ‘Continue’
Deposit A Cheque

With Mobile Deposit, you can deposit cheques anytime that is convenient for you, without having to visit a branch or ATM.

 Here is what you need to know:

  • The cheque cannot be drawn on the same account the funds are coming out of
  • The cheque cannot be post-dated or altered
  • Deposits need to be in Canadian funds and drawn from a Canadian financial institution
  • Keep remotely deposited cheques in a safe place for 90 days, then shred them

It’s quick, easy and secure… just follow these steps:

  1. Sign in to the Cypress Credit Union mobile app, at the bottom of the screen tap ‘Move Money’
  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 1.877.353.6311 or your local branch if you have questions regarding holds.

Stop a Cheque

Currently, a Stop Cheque can only be done in online banking on your desktop/tablet.

  1. Sign in and click ‘Accounts’ and then under ‘Cheques’ click ‘Stop Cheques’
  2. Click ‘Create a Stop Cheque’
  3. Enter your stop cheques 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  1.877.353.6311 or your local branch for assistance.

Transfer Funds Between Your Accounts

You can easily transfer money between your own accounts at Cypress Credit Union (including from your CAD to USD accounts, and vice-versa) in just a few simple steps.

Web Browser:

  1. Sign in to online banking on your desktop/tablet
  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:

  1. Sign in to online banking on the 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 ‘Memorandum’, you can include text for your reference (optional)
  7. Tap ‘Continue’
  8. Confirm transfer details and tap ‘Continue’
Transfer Funds to Another Cypress Member

Transferring money to another Cypress 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 funds, set your transfer as a favourite transaction (see steps under Manage Accounts).

 Web Browser:

  1. Sign in to online banking on your desktop/tablet
  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 Cypress Member’
  5. Enter the member’s account number (This must be obtained from the member you wish to transfer funds to. Cypress 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, enter the code into the ‘Enter Code’ field and click ‘Continue’

Mobile App:

  1. Sign in to online banking on the 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 Cypress Member’
  5. Enter the member’s account number. (This must be obtained from the member you wish to transfer funds to. Cypress Credit Union will not provide this information to you.)
  6. Under ‘Transfer Details’, enter the amount and tap on ‘Immediate, Scheduled, or Recurring
  7. Under ‘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, enter the code into the ‘Enter Code’ field and tap ‘Continue’

INTERAC e-Transfers

Set Up an INTERAC e-Transfer Profile

If you have an INTERAC e-Transfer profile already set up, just sign into Cypress 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:

Web Browser:

  1. Sign in to online banking on your desktop/tablet
  2. Go to ‘Transfers & Payments’
  3. Under ‘INTERAC e-Transfers’ click ‘Profile Settings’  
  4. You will be asked to confirm your information- name, email, and mobile phone number. Click ‘Continue’
  5. Enter the one-time password you receive via text or email and 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. Under ‘INTERAC e-Transfers’ tap ‘Continue’
  4. Verify your details and tap ‘Continue’
  5. Enter the one-time password you receive via text or email address and tap ‘Continue’
What is a Security Question? What are the Guidelines for the Security Answer?

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 to complete the deposit process. It is the sender’s responsibility to create a security question and an answer known only by 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
Add an INTERAC e-Transfer Recipient

Web Browser:

  1. Sign in to online banking on your desktop/tablet
  2. Go to ‘Transfers & Payments’
  3. Under ‘INTERAC e-Transfers’ click ‘Manage Contacts’
  4. Click the + icon at the top right-hand corner of the screen
  5. Enter the name of the person you wish to add
  6. Enter their email address/mobile phone number
  7. Select language preference- defaulted to English
  8. Select the notification method using the drop-down menu
  9. Enter the security question and the answer
  10. Re-enter the answer to the security question and click ‘Continue’
  11. Confirm the details of the contact added and click ‘Continue’
  12. Enter the one-time password you receive via text or email and 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 bottom right-hand corner
  4. Tap ‘Manage Contacts’ then tap ‘Add Contact’
  5. Enter the name of the person you wish to add
  6. Enter their email address/mobile phone number
  7. Select language preference- defaulted to English
  8. Select the notification method using the drop-down menu
  9. Enter the security question and answer
  10. Re-enter the answer to the security question and tap ‘Continue’
  11. Confirm the details of the contact added and tap ‘Continue’
  12. Enter the one-time password you receive via text or email and tap ‘Continue’

Note: For your security, only you and the recipient should know the security question and answer. You can communicate this to the recipient by phone or in person for additional security.

You can edit a recipient’s information at any time or delete a recipient if you no longer need to send them money by ‘Manage Contacts’

Send an INTERAC e-Transfer

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 compiled, you can now send an INTERAC e-Transfer transaction by following these simple steps.

Web Browser:

  1. Sign in to online banking on your desktop/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 drop-down menu
  6. Enter the amount and add an optional message if you like and click ‘Continue’
  7. Confirm details and 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-hand corner and tap ‘Send’
  4. At the top, select the account you wish to send from
  5. Select the contact you want to send money to from the drop-down menu
  6. Enter the amount and add an optional message if you like and tap ‘Continue’
  7. Confirm details and tap ‘Continue’
Receive an INTERAC e-Transfer

Cypress Credit Union members can receive an INTERAC e-Transfer transaction

  1. Click or tap the link in the email or text notification indication you have received a new INTERAC e-Transfer  transaction
  2. Skip over ‘Find your Financial Institution’ as this will not populate Cypress Credit Union
  3. Select province as ‘Saskatchewan’ first, then credit union as ‘Cypress Credit Union’
  4. Click or tap ‘Deposit’
  5. Sign in to online banking via the app, mobile web, or desktop. Choose the Cypress Credit Union account into which you wish to deposit the money

When receiving an INTERAC e-Transfer for the first time in the new Online Banking platform and if you had received INTERAC e-Transfers previously, you may be presented with the Cypress Credit Union name and logo. If this is the case, please follow these steps:

  1. Bypass selecting Cypress/clicking on the logo
  2. Scroll down to ‘Select a Different Financial Institution’
  3. Select Cypress Credit Union from the list

The reason for this is due to your device remembering where to go, which is the old platform that is no longer there. Once you complete this process for the first time, your device should remember where to go (which is the new online banking) and you will not have to repeat these steps.

Cancel an INTERAC e-Transfer

You can cancel an INTERAC e-Transfer transaction before it has been deposited by the recipient.

Web Browser:

  1. Sign in to online banking on your desktop/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

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 e-Transfer you would like to cancel
  7. Select ‘Cancel’ (X)
  8. Tap ‘Continue’
  9. Confirm cancel transaction details and tap ‘Continue’
  10. Transaction successfully cancelled. The funds will be deposited back into the account where it was originally transferred from

Note: Once the money has been deposited by the recipient it cannot be cancelled. Be sure to verify the email address or mobile phone number before you send money.

Sign up for Autodeposit

Note: You can now set up Autodeposit for your email address AND your mobile phone number.

Web Browser:

  1. Sign in to online banking on your desktop/tablet
  2. Go to ‘Transfers & Payments’
  3. Under ‘INTERAC e-Transfer’
  4. Click ‘Autodeposit Settings’
  5. Click ‘Add Autodeposit’
  6. Under ‘Register With’ input the mobile phone 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
  10. Click ‘Continue’

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. Tap the + icon at the top right-hand corner of the screen
  6. Under ‘Register With’ input the mobile phone 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 tap ‘Continue’
  8. Confirm your autodeposit details and tap ‘Continue’
  9. Enter the one-time password you receive via text or email
  10. Tap ‘Continue’

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.

Manage Small Business Banking

Consolidate Personal & Business Profiles

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 setup 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.

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.

What Is a Delegate?

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 signors 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 signor(s) to approve

Read Only Access: allows the delegate to view account information but does not permit them to perform any transactions

Each signor can add an unlimited number of delegates. All delegates can be seen and managed by all signors.

Notes on Delegates

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 signor can add, view, or edit a delegate.

Cypress 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.

Setting Up Delegates

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 mobile phone number)

9.     Enter the email address

10.  Enter the mobile phone number

11.  Type in any notes that may 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 the “Enter Code” field and click ‘Continue’

16.  Delegate added successfully

17.  The delegate will now receive their temporary password via email or text

Pending Transactions

If you have your membership set up as requiring two-signor approval for transactions like bill payments and INTERAC e-Transfers, 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 signor 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 the ‘Enter Code’ field and click ‘Continue’.

Note: Pending transactions expire after 7 days.