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 set up a series of security questions. You will also have to complete a mandatory PAC change.

If you have incorrectly entered your PAC and are receiving a message stating that your account access is locked, please contact a branch to have your access reset. 

In Online Banking:

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

In the Mobile App:

1. Login in with your current PAC.
2. Select the Settings icon on your screen. You may have to swipe left to locate it.
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.

In Online Banking:

1. Select Add a Memorized Account, found below the Login button on the login screen.
2. Enter a name for this saved login.
3. Enter your full debit card number found on the front of the card.
4. Submit.

In Mobile App:

1. Select the Settings icon on your screen. You may have to swipe left to locate it.
2. Select Saved Logins, then select Create New Login from the bottom of the screen.
3. Enter your full debit card number found on the front of the card.
4. Enable Remember Me.
5. Enter a name for this saved login.
6. Continue.

In Online Banking:

1. Select Manage Memorized Accounts, found below the Login button on the login screen.
2. Select Delete to the right of the login you want to remove.
3. Add a new login if required.

In Mobile App:

1. Select the Settings icon on your screen. You may have to swipe left to locate it.
2. Select Saved Logins.
3. Select the red circle with the minus symbol to the right of the login you want to remove.
4. Add a new login if required.

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. Select the Alerts icon on your screen. You may have to swipe left to locate it.
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.

To access telephone banking toll free for anywhere is North America, call 1-855-869-2196.

You will require your SCU debit card number and a Personal Access Code (PAC). This PAC is not the same PAC that you use to access online banking or the Mobile App. Please contact a branch if you do not have a PAC for telephone banking.

The Telephone Banking Guide provides a listing of the menu and transaction options that you will hear in telephone banking.

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.
• You can resend the notification for another 30 days (at no additional cost) before it will be automatically deposited back into your account.
• 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.
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.

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.
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. The Autodeposit feature continues to provide the value of INTERAC® e-Transfer, without the need to share financial information. 

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 settings 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.

In Online Banking:

1. Select Payments from the left hand menu, then select Add/Delete Payees.
2. Select Add Payee from the top menu.
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 Pay Bills.
2. Select Scheduled from the top menu.
3. You will see the bill payment that you just submitted and an option to delete will appear in red just below it. Delete the payment here.

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. Select Payments from the left hand menu.
2. Select Scheduled from the top menu.
3. You will see the bill payment that you just submitted. Delete the payment here.

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.

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.

This CRA direct deposit enrolment only applies to Canada Emergency Wage Subsidy (CEWS) payments. It does not apply to direct deposit requests for the corporation income tax refund and GST sales tax refund.

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.