Interac Instant launches on Thursday, December 4th!
Below you'll find everything you need to know along with a visual guide to help ensure all members are aware of the new features and how to use them.
View the visual guide here
What's New?
Real Time Payments: Payments are processed within seconds, improving liquidity of funds and enabling just-in-time payments.
Account Number Routing (ANR): Reduces reliance on email or mobile numbers, minimizing exposure to phising or spoofing.
Remittance Data: Detailed payment information helps match payments accurately, reducing errors in accounting and providing greater transparency to both parties.
How it works: Account Number Routing
Step 1: Log In
Open Online Banking → Go to “Transfers”.
Step 2: Add or Edit a Contact
Select “Add/Delete Contacts”.
Choose “Add New Contact” or select an existing one to edit.
Step 3: Turn on Account Number Routing
Select “Yes” on the Account Number Routing option.
Step 4: Enter Their Banking Info
Type in the recipient’s:
• Institution Number
• Transit Number
• Account Number
(There are directions within the guide on how to find this information on a cheque)
Step 5: Optional Notifications
If you want the person to get notified, you can add their email and/or mobile number.
Step 6: Save the Contact
Click “Continue” → Confirm their info is correct → Click “Confirm”.
Step 7: Send Your Transfer
Now go to “Transfers” → “Send Money”, choose the contact, and send instantly using their account number.
Still need help? View the visual guide here or contact us
How it works: Remittance Data
Step 1: Log In
Open Online Banking → Go to “Transfers”.
Step 2: Choose Send Money
Select “Send Money” and pick your recipient.
Step 3: Enter Amount
Enter the usual e-Transfer details (amount, account).
Step 4: Add Payment Details
Check the box labelled “Include Remittance Details”.
Step 5: Fill In Additional Information
You can include:
• Payee/Payor details
• Invoice/Documents details
• Adjustment Amount
(Document details and Adjustment amounts do NOT change the dollar amount being sent, they are for reference only)
Step 6: Review & Send
Confirm the info is correct → Click “Continue” to send funds.
Step 7: View Later If Needed
To view these details again:
Go to “Transfers” → “View History” (Sent/Received) → Choose appropriate Account and Date Range → Click “Continue”
From the populated transactions, click “Details” on the one in question.
*Note: Adding Remittance Data is not available through the Mobile App
Still need help? View the visual guide here or contact us
Please be advised of the following Holiday Hours & Closures:
WINNIPEG BRANCH
Wednesday, December 24th: 9:30 am - 3:00 PM
Thursday, December 25th: CLOSED
Friday, December 26th: CLOSED
Saturday, December 27th: CLOSED
Sunday, December 28th: CLOSED
Monday, December 29th: 9:30 am - 4:00 PM
Tuesday, December 30th: 9:30 am - 4:00 pm
Wednesday, December 31st: 9:30 am - 3:00 pm
Thursday, January 1st: CLOSED
GRAND RAPIDS BRANCH
Wednesday, December 24th: CLOSED
Thursday, December 25th: CLOSED
Friday, December 26th: CLOSED
Saturday, December 27th: CLOSED
Sunday, December 28th: CLOSED
Monday, December 29th: 10:00 am - 3:30 PM
Tuesday, December 30th: 10:00 am - 3:30 pm
Wednesday, December 31st: CLOSED
Thursday, January 1st: CLOSED
NOTICE: GRAND RAPIDS BRANCH will have reduced hours effective Monday, December 15th: Monday to Friday 10:00am to 3:30PM.
For questions, concerns or arrangements, please contact us
“Tap Into Your Local Summer” campaign—a national initiative designed to encourage local spending and support Canadian merchants. From July 1 to August 31, 2025, every approved in-person debit transaction—whether by tap or chip, earns members a chance to win!
Official Rules
The Tap into Your Local Summer contest (the “Contest”) is administered by Central 1 Credit Union, Meridian Credit Union Limited, and 189286 Canada Inc. (o/a CUCC) (“Contest Administrators”) in partnership with participating Canadian credit unions, and the Prize is sponsored by Interac Corp. (“Prize Sponsor”). The Contest Administrators, and not the Prize Sponsor, are collectively responsible for the administration, oversight, and fulfillment of the Contest. Interac and the Interac logo are trademarks of Interac Corp. Used under licence. All inquiries regarding the Contest should be directed to the Contest Administrators campaign@cucc-cu.ca.
1. Contest Eligibility
The Contest is open to legal residents of Canada (excluding residents of the Province of Quebec) who have reached the legal age of majority in their province or territory of residence at the time of entry. To be eligible, entrants must be personal account holders with a participating Canadian credit union offering Interac® debit cards and/or digital debit wallet functionality.
Employees, representatives and agents (and persons with whom they are domiciled, whether related or not) of participating credit unions and the Contest Administrators, the Prize Sponsor and their respective parent companies, affiliates, subsidiaries, advertising and promotional agencies, and any other entity involved in the development, production, implementation, administration or fulfillment of the Contest, are not eligible to enter or win.
2. Contest Period
The Contest begins at 12:00:01 a.m. Eastern Time (ET) on July 1, 2025, and ends at 11:59:59 p.m. ET on August 31, 2025 (the “Contest Period”).
3. How to Enter
Automatic Entry
Each eligible debit card or digital wallet transaction (in accordance with Section 1) made and approved at a Canadian point-of-sale terminal using an eligible debit card issued by a participating credit union during the Contest Period will automatically generate one (1) Contest entry. The more qualifying debit transactions you make during the Contest Period, the more entries you will receive.
To opt out of automatic entry, contact campaign@cucc-cu.ca with your credit union name, full name, and the last 4 digits of your debit card that match a card registered with a participating credit union. Use the subject line: Opt Out. By opting out of the use of your personal information in connection with this contest, you forfeit your chance to win any prize.
No Purchase Necessary (NPN) Entry
If you do not wish to enter by using your tap in person, but want to enter the Contest, you may do so by mailing a letter with the following information: your first name, last name, email address, phone number, last 4 digits of your debit card matching a card registered with a participating credit union, and, in 50 words or less, a response to: “Describe how using your Interac debit card helps you stay in control of your finances.
Unlimited no purchase necessary entries per person during the Contest Period. Each valid no purchase entry will be treated as equivalent to one (1) eligible debit transaction. You must also state in the letter that you agree to these Contest Rules. The email address or phone number provided must match the associated email address or phone number on your account. You must mail this letter to: CUCC, attention: Debit Campaign 3280 Bloor Street West, Suite 700B, Toronto, ON M8X 2X3. Participants are responsible for ensuring the letters are delivered before the end of the Contest Period. Each mail-in entry will result in one (1) entry in the random prize draw.
4. Prizes
A total of twenty (20) prizes of $1,000 CAD each available to be won (each a “Prize”.) Prize quantity and allocation are based on each Transaction Processor’s1 entry count and transaction volume. Winners are randomly drawn from each Transaction Processor’s entry pool.
Prizes are non-transferable, non-exchangeable, and non-refundable. Prizes must be accepted as awarded. Interac® e-Transfer will be used for payouts where possible. No cash alternatives or substitutions will be offered except at the Prize Sponsor’s sole discretion.
Prize Limit: One (1) prize per person and per household during the Contest Period.
5. Winner Selection
On or around October 15, 2025, a random draw will be conducted by the Contest Administrator to select potential winners from among all eligible entries received by each Transaction Processor. After the contest closes, the total number of eligible entries received via each Transaction Processor will be calculated. Individual prize quantity will be determined based on the total entries per Transaction Processor. Once total entries and prize quantities per transaction processor are calculated, individual random entries will be selected.
Each selected entrant will be contacted using the contact information provided and must:
• Correctly answer a time-limited mathematical skill-testing question without assistance (mechanical or otherwise).
• Consents to the publication of their first name, last initial, and credit union name on third party websites. For example, "Jane D from ABC Credit Union" may be displayed on https://cucc-cu.ca.
• Complete, sign, and return a declaration and release form confirming compliance with these Official Rules and releasing the Prize Sponsor, Contest Administrators and all affiliated parties from any liability.
Failure to comply within the specified time may result in disqualification and selection of an alternate winner.
Winners will be officially announced by October 31, 2025.
6. Odds of Winning
The odds of winning a prize depend on the total number of eligible entries generated by debit card transactions processed by each Transaction Processor during the Contest Period.
1 Transaction Processor(s) include: Central 1 (C2C), Meridian Credit Union and 189286 Canada Inc. (o/a CUCC) (Cooperative Node).
Click here to see complete campaign rules, terms and conditions
You may have noticed a slight change in how some service fees are being deducted from your account. Rest assured, that the overall dollar amount remains unchanged, the difference is simply on WHEN the deductions occur. This change also applies only to packages that offer free outgoing Interac e-Transfers and non-credit union ATM withdrawals (e.g., Buffalo, Moose, Eagle packages, etc.).
For these specific packages, the service fees for e-Transfers and non-CU ATM withdrawals would work as follows:
Under the OLD method: Charges were applied as transactions occurred, with a refund issued at the end of the month for any free amounts.
This change allows our Members to better recognize the total amount they pay in service charges every month, enhancing the transparency and understanding of their expenses. Members can now make more informed decisions about their transaction activity and better manage their finances.
For example, let’s say John is on the Buffalo package, which includes 2 free e-Transfers and 2 free non-CU ATM withdrawals each month. In October, John completed 5 e-Transfers and 3 non-CU ATM withdrawals:
Under the OLD method: John would incur charges of $1.00 for each e-Transfer (totaling $5.00) and $1.50 for each non-CU ATM withdrawal (totaling $4.50) as they happened. At the end of the month, he would pay his monthly package fee ($11.99) and receive refunds for the 2 free e-Transfers (-$2.00) and 2 free non-CU ATM withdrawals (-$3.00) as part of the account package. His total monthly service charges would come to $16.49.
In mid September, Me-Dian Credit Union will start our conversion to a new, advanced banking system software, which will allow us to operate more efficiently and provide new and improved services. This will require closing our branches and interrupting a number of services from Friday, September 13 until Tuesday, September 17. Updates will be provided on this webpage throughout the conversion so please check back often.
UPDATE (September 14, 2024): We are ahead of schedule and happy to report that Debit Card services are back online! ATM transactions and point of sale purchases are now available to all card holders.
UPDATE (September 15, 2024): Good News! Online banking and Mobile App banking are now online ahead of schedule as well. For those of you that use online banking and mobile app banking: On your first login, please use the full website to accept the online agreement and reset your password using your enrolled 2SV device; this cannot be done through the mobile app. For step-by-step instructions on reseting your password as well as other to-do activities, please refer to this guide.
To further protect our Members and as a step towards providing more advanced features, we will be introducing 2-Step Verification for online banking and mobile app banking very soon.
The launch date Tuesday, December 5, 2023, but you can start preparing for enrollment now.
1. For security purposes, saved/memorized accounts will not be carried over. You will be asked to manually enter your login ID and personal access code during your first login after the launch date, so keep this information accessible.
2. For users of our mobile app, it is always suggested to have the latest version installed for optimum user experience and the best protection for your data.
3. Need some help updating your app or remembering your login information? Feel free to contact us.
FREQUENTLY ASKED QUESTIONS
Q: Why is 2-Step Verification (2SV) necessary?
A: With cyber-threats becoming increasingly sophisticated, the use of passwords alone have grown vulnerable to these threats. 2SV provides a stronger, and more secure, authentication method to further protect you, your data, and your funds from cyber attacks.
Q: How does 2-Step Verification work?
A: During the login process, a verification code is generated and delivered to your registered mobile phone number or email address. You will then have to retrieve the code and enter it before access is granted to your online banking account. These codes are valid only for a single use and a limited time.
Q: What changes to my online banking experience can I expect?
A: For security purposes, once 2SV is made available in the platform, memorized or saved logins will not carry over. You will have to enter your Login ID and PAC manually in order to access online banking. From there you will be able to memorize or save your login information again. Touch ID/Biometrics and Quickview settings will also not carry over, but once you log in you can re-enable those features.
Q: Is 2SV registration mandatory for all Members?
A: We will provide a grace period where Members can choose to continue to access online banking without first registering for 2SV. After the grace period, all Members must be registered for 2SV before accessing online banking.
Q: How do I register for 2SV?
A: Once the feature is launched, you will automatically be taken to an enrollment page after logging into your online banking. From there, you can select to register either a phone number or email address that you can use to receive and retrieve notifications and verification codes.
Q: Can I register for 2SV under multiple notification channels?
A: Yes, although during enrollment you can register only one, either a mobile phone number or email address, to receive the initial notification, you can add the other notification channel under your Profile & Settings page once logged into online banking.
Q: Can I register more than one mobile phone number or email address?
A: Registration is limited to a single mobile phone number and a single email registration.
Q: If I have a mobile phone number and email address registered, will a verification code be sent to both?
A: No. If you have both notification channels registered, you are presented with a selection page where you must choose which channel will receive the notification for that particular login.
Q: How many attempts do I get to validate a verification code?
A: During the 2SV process of a login attempt, the maximum attempts to validate a verification code is three. If you are unable to validate the verification code after three attempts, the system will automatically lock you out.
Q: What happens if I have exhausted my maximum number of attempts to validate a verification code, and I am locked out?
A: If you are locked out because you were unable to validate a verification code during the 2SV process of a login attempt, please contact us to unlock your account.
