Bringing our services together

Beginning Friday, October 9, 2026, we will be merging the ACU and Westoba banking systems. Following this conversion, members will experience enhanced banking services and access to more locations for their day-to-day banking.   

 To ensure a smooth transition, please review the details about the upcoming conversion weekend.  

Service interruptions

From Friday, October 9 until Monday, October 12, access to most banking services will be temporarily unavailable while we carry out the work of merging our systems. Please see below for details on service interruptions and what you can expect.   

Date Branches Member Communication Centre Online and mobile banking Debit card (ATM and in-store purchases)
Friday, October 9 Closing 3:00 p.m. Open regular hours Offline at 6:30 p.m. Limited after 6:30 p.m.
Saturday, October 10 Closed Open regular hours Unavailable Limited availability
Sunday, October 11 Closed Closed Unavailable  Limited availability 
Monday, October 12 Closed (statutory holiday) Open 9:00 a.m. to 5:00 p.m. Available Available
Tuesday, October 13 Open regular hours Open regular hours Available Available

Debit card purchases and access through ATMs will be extremely limited throughout the weekend. We highly recommend that you have alternative methods of payment, such as credit cards or cash. 

e-Transfer interruptions and impacts

During the week leading up to conversion weekend, sending and receiving Interac e-Transfers will be impacted. This may affect your ability to move funds or receive payments. Please see below for details on outage windows and tips for a smooth transition. 

Interac e-Transfer®   Unavailable Available
Send Money Beginning Monday, October 5 at 2:00 p.m. Service resumes Monday, October 12
Receive and Autodeposit Beginning Wednesday, October 7 at 11:00 a.m. Service resumes Monday, October 12

Preparing for e-Transfer Downtime

  1. Clean-up pending e-Transfers - Ensure any of your sent e-Transfers are accepted prior to conversion weekend, otherwise they may be cancelled.
  2. Autodeposit e-Transfers: Incoming e-Transfers to members with enabled Autodeposit will be declined, and the sender will need to re-initiate the transfer once service resumes.

 During conversion weekend, you'll still receive notifications if someone sends you an e-Transfer. However, while the system is down, you won't be able to accept the funds until service resumes.

How to prepare for conversion weekend

Update contact information

To receive the most up-to-date information regarding conversion weekend, please ensure that the email address and mobile phone number we have on file for you are up to date. You will also need them and your current debit card number to log into online banking for the first time after the conversion.

You can update your information at any time by logging into your online banking account in the ‘Profile and Settings’ section, or by contacting your branch. 

Alternate method of payment

Debit card purchases and access through ATMs will be extremely limited throughout the weekend. We highly recommend that you have alternative methods of payment, such as credit cards or cash.  

e-Transfers

Make sure to complete any e-Transfers well in advance. Reminder, send money is unavailable beginning Mon, Oct. 5 at 2 pm and receive/autodeposit is unavailable beginning Wed, Oct. 7 at 11 am.  

Ensure any of your sent e-Transfers are accepted prior to conversion weekend, otherwise they may be cancelled. 

Your e-Transfer profile and recipients should be moved to the new platform, but following conversion weekend there is a chance you may need to re-register. Now is a great time to review your recipient list, remove any outdated recipients, and save a copy just in case.   

Bill payees and recurring bill payments

Pay bills ahead of conversion weekend to avoid any interruptions in payments or processing delays. 

All your existing bill payees and recurring bill payments will be transferred automatically to the new platform. However, this is a great opportunity to review and clean up your payee list—remove any outdated or unused payees to streamline your future payments. 

Preauthorized payments and deposits

All existing automatic deposits and withdrawals or preauthorized payments will continue without interruption.  

Recurring transfers

All your recurring account transfers will continue without interruption.   

Statements and transaction history 

To ensure you have uninterrupted access to your past records, please download and/or print any historical statements you may need prior to October 9, as past statements may not be available in online banking immediately following conversion.

Note: Once the banking system conversion is complete, you will not have access to your transaction history. 

Enhanced banking services

Members will benefit from an expanded range of digital banking services designed to make managing your finances easier, safer, and more personalized than ever. Here is a preview of some new features you can look forward to: 

Lock a lost or stolen debit card

If you’re concerned your card is lost or may have been compromised, you can quickly lock or unlock it through online banking or the mobile app. You can also set withdrawal limits to help manage spending and keep your accounts secure.

Open new accounts - no branch required

ACU’s digital banking gives you the freedom to open and fund new accounts quickly and securely, in just a few steps, all from the comfort of your home. 

Create favourite transactions

This feature lets you mark and quickly access your most common payments or transfers, making everyday banking faster and more convenient. 

Mobile wallet

Add your ACU debit card to Apple Pay, Google Pay, or Samsung Pay and enjoy secure, contactless payments wherever you go. 

Live chat support

Instantly connect with one of our representatives via live chat on our website or while you are signed into online banking or the ACU mobile app. 

Learn more

 

Accessing digital banking

Following conversion weekend, in order to access online or mobile banking, you will be required to onboard to ACU digital banking.

  1. To access online banking visit acu.ca
  2. Select Sign in
  3. Enter your debit card number. Select Continue
  4. Select your date of birth 
  5. Enter your contact information (email or mobile phone). Select Confirm 
  6. Enter the One Time Passcode (OTP) you received to your email or text message and select Continue 
  7. Enter a valid username and password* 
  8. Acknowledge the Direct Services Agreement 
  9. Select Continue  

* Be sure to verify that your username is appearing correctly before continuing as it cannot be changed.

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What you need to know

  • Business members - Once you’re logged in to digital banking after March 23, you will need to recreate any recurring or one-time future-dated CRA Corporate Bill Payments that you may have had previously scheduled. 
  • Currently a member of both ACU and Caisse - you will continue to use the same login credentials you currently use for ACU digital banking post conversion weekend. Your legacy Caisse accounts will be available within your existing ACU digital banking profile.
  • If you have multiple legacy Caisse debit cards - you can use any of these cards to log into online banking for the first time.

Upcoming statement changes

Starting in March 2026, your monthly digital and/or printed statement will be changing.

We are moving to a relational statement model for our members. What this means is you’ll get a complete picture of all your financial activity - from savings to loans and joint accounts to investments - all in one statement.

Benefits of relational statements:

  • Reduces the number of statements required per member
  • Easier to understand
  • Month-end statement cycle
  • Available in your choice of English or French

What you need to know

  • Legacy Caisse members:
    • Your last statement in the current format will be for March 1 – 20
    • Your first relational statement will be for March 23 – 31, 2026
  • Digital statements will be available in online banking within 10 days of the previous month’s end
  • Printed statements are typically mailed within 14 days of the previous month’s end
  • Throughout the month of March, members may receive multiple statements as we transition to the new format
  • Historical statements may not be available in online banking immediately following conversion weekend

Digital banking how to's

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Need help getting started or looking for step-by-step instructions?

We’ve created a set of easy-to-follow guides to help you make the most of ACU digital banking. Whether it’s your first time logging in, setting up alerts or exploring new features, our tutorials walk you through each process.

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Get started with your ACU digital banking

How to log in
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Managing your money

How to manage your money
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Open accounts online, anytime

How to open a new account
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Customize your banking experience

How to personalize your experience
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Business-only features

How to use business features

 

Your video guides to getting started with ACU online banking 

Browse our collection of short, easy‑to‑follow demos that show you exactly how to use ACU’s online banking. It’s a simple way to learn everything from everyday transactions to account management and more.

Westoba product changes

Effective October 12, 2026, we will be transitioning Westoba accounts to ACU accounts that best reflect how our members currently bank, borrow and invest with us.

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Have questions? We're here to help.

Whether you're looking for more information or need guidance on your next financial move, our team is ready to support you. Reach out and let us know how we can assist.
Contact us