Electronic Services

 

ABMs  |  TELESERVICE TELEPHONE BANKING |  MEMBERDIRECT ON-LINE BANKING | HYPERWALLET | CAFT  | E-SWITCH  |  CREDENTIAL DIRECT ON-LINE TRADING

Save time, save money, and enjoy the convenience of our electronic services.

 

Automated Banking Machines (ABM)

 

Credit Union ABMs allow you to handle your finances with speed, convenience and privacy around the clock, every day of the year. All you need is a Member Cardâ debit card or a Global Payment MasterCardâ along with a Personal Identification Number (PIN), which allows you access to cash and deposit services at any credit union ABM in Saskatchewan. You can also access your accounts for cash withdrawals at any ABM within the INTERAC Network in Canada or CIRRUS Network worldwide. Branch and ATM Locations

 

TELESERVICE® Telephone Banking  (306) 752-1909 or toll free 1-800-667-1909

Round-the-clock convenience at your fingertips. It’s easy to use and provides access to your account 24 hours a day, 7 days a week, through any touch-tone phone. Your own confidential Member Access Code (MAC) allows only you to access your account.

• Obtain current account balances at the touch of single button without stepping through menus
• Request your account history.
• Request statement history by fax with fax-tracking of all information requested during the session.
• Transfer funds between accounts and memberships including inter-customer transfers.
• Make your loan payments.
• Pay your bills with the option to future date. Hundreds of vendors are listed with new vendors being added all the time. A great feature for snowbirds and vacationers.
• Inquire, create, and remove Stop Payments.

Recent enhancements include:

• Enhanced transaction search capability.
• Ability to switch to another account without having to hang up and redial.
• Report lost or missing debit, payment or credit cards.
• Help is available at any point in the session by pressing the * key.

 

If you wish to sign up or if you have any questions, call us or send us an e-mail.

View our TeleService Flowchart.

 

MemberDirect® is our free on-line banking service. You may pay bills, make your loan payments, get your statement information, transfer funds, plus have access to many other services. All of this is available 24-hours a day, 7 days a week. Visit your local Advantage Credit Union branch to receive your personal access code and start E-banking today.   If you already have a Personal Access Code, simply click the “Sign On” button below.

 

Features:

• Create new chequing, savings, term deposit, and RRSP accounts.
• Now that you receive imaged cheques in your statement, you can also view images of your cheques (front and back) on-line (click on the word “Cheque”).
• Obtain RRSP and RRIF contract information.
• Obtain current deposit and foreign exchange rates.
• Obtain up-to-the-minute account balances.
• Transfer funds between accounts and even between memberships; includes future dated and recurring transfers, with options to view and modify recurring transfers.
• Review and print your statement information.
• Statements can be downloaded in Comma Delimited text (CSV).
• Pay bills using a bill payment list you create; includes future dated bill payments, with options to view and modify pending payments.
• Make your loan payments.
• Export account history to selected personal financial management packages, including Simply Accounting, Microsoft Money, Quicken, and QuickBooks.
  Just select to have the data in a different format as follows:

-          Log on to MemberDirect®.

-          From the Accounts Summary screen, select Account Activity from the links on the left side of the screen.

-          From the Account Activity screen, select the account you want the statement for.

-          Change the start and end dates to display the date range for which you wish to create the statement.

-          In the Activity Format section, click the drop down arrow and select the program you wish to import the data to.

-          Click the Submit button and you will be prompted to save a file to disk. This is the statement data which you will import into your financial program.

-          Click Save to Disk and OK, choose a location on your hard disk to save the file in.

• Once you have saved the file, you will need to refer to the user guide for your financial program for information on importing data from a file.
• Create or remove Stop Payments on cheques
• View your MasterCard® Credit Card balance as well as your investments with Ethical Funds and Credential Portfolios.
• hyperWALLET™

 

Security:

·         128 Bit encryption

·         Requires a unique logon ID and password

·         Browser-based service which means you can access Internet Banking without downloading software

·         Encryption security and Internet firewalls keep your information safe.

 

If you have problems accessing MemberDirect®, please note the system requirements below.

 

Minimum Hardware Requirements:

·         VGA or higher resolution monitor

·         An Internet connection with a minimum speed of 33.6Kbps

 

PC users also require: Pentium processor, 16 MB ram memory, Windows 98 or newer, and one of either Internet Explorer or Netscape (See browser requirements below) with 128-bit Secure Socket Layer (SSL) encryption enabled.

 

MAC users also require: Power PC G3 or higher, 32 MB ram memory, System 7.X operating system, either Internet Explorer or Netscape (See browser requirements below) with 128-bit Secure Socket Layer (SSL) encryption enabled.

 

Minimum Browser Requirements:

If you are having trouble accessing the online banking system it may be because you need a browser upgrade.

 

·         Internet Explorer: Internet Explorer v 6.0 or higher.  To download the latest version of Internet Explorer 6.0 from Microsoft that includes 128-bit encryption [Click Here].

·         Netscape: Netscape v 6.2 or higher.  To download the latest version of Netscape that includes 128-bit encryption [Click Here].

           

If you are experiencing trouble downloading the current Browser version, please contact MemberDirect support at 1-888-273-3488 or by e-mail.

 

How to check the ENCRYPTION STRENGTH of your browser?

If you are having trouble accessing the online banking system it may be because you need higher encryption security levels.

 

·         Internet Explorer: Click on HELP in the top menu of your browser window. From the dropdown menu choose ABOUT INTERNET EXPLORER. A popup menu will appear that will supply you with the CIPHER STRENGTH (encryption level) of your browser. Our online banking system requires a 128-bit encryption level. If you are not currently running 128-bit encryption level you will need to complete a browser

 

·         Netscape Navigator: If you are using Netscape Communicator you must upgrade to version 6.2

 

If you are having trouble downloading 128-bit encryption please contact us at 1-888-273-3488 or e-mail MemberDirect Internet Banking support.

 

	Originating pre-authorized debits and direct deposit transactions for your business has never been easier.
By using the new on-line CAFT service, you can originate Internet AFT payments such as: ®        Payroll ®        account payable and receivable ®        utility bills ®        property and business taxes ®        membership fees ®        rent payments through Payment Services at www.paymentsanytime.com®
For more details, contact us or view the CAFT brochure and user guide.   To sign up, stop by any branch of Advantage Credit Union to set up the required profile. Our staff can provide you with all the information you need to get you started.

 

Advantage eSwitch

 

If you want to move your account and your preauthorized payments (PAPs) from another financial institution to the credit union, Advantage eSwitch painlessly handles the entire process!

 

All you need to do is:

·         gather all your billing information

·         complete an authorization form at the credit union

·         wait for a phone call

 

Advantage eSwitch handles the rest by:

·         finding out how to contact your billers

·         informing billers of the change to the account

·         managing the timing of the changes

·         following up and troubleshooting if required

·         communicating with your clients

 

It doesn’t get any simpler! Contact us and make the switch today.

 

Online Trading with Credential^® Direct

 

It’s EASY to trade on-line! Visit your local Advantage Credit Union to apply.

If you already have an access code simply click the link below.  To see how on-line trading works, click the demo button below for a guided tour.

 

 

Press Release – (September 12, 2007) Credential Direct continues to dominate online brokerage rankings.

Did you know that on-line investing is one of the fastest growing businesses in the Canadian financial services industry? Hundreds of thousands of Canadians are using the Internet to buy and sell investments at a cost that’s much lower than a conventional full-service broker. The good news is that now you can enjoy the power of on-line trading while investing with people you know. Credential Direct is an on-line brokerage designed exclusively for the credit union system. For as little as $25 a trade, you can invest how you want, when you want – with the people you trust.

Credential Direct offers similar products and services as other major on-line brokerages, including stock quotes, market indices, portfolio tracking and plenty of research tools. It is easy to track the performance of your investments.

But there’s more. With Credential Direct it is easy to check balances and to move money on-line between your credit union account and your trading account with their Electronic Funds Transfer service.

 

A full range of features

 

Credential Direct puts you directly in charge of your investments – you decide what to trade and when to trade it. As a Credential Direct client, you get:

 

Investment Choices

• Buy and sell stock on major exchanges in Canada and the US
• Choose from more than 1,800 mutual funds, including the credit union’s own Ethical Fundsâ and Credentialâ Portfolio Funds
• Trade fixed income products like bonds and GIC’s though Credential Direct’s friendly phone service at 1-877-742-2900

 

Research Tools

• Delayed and real time quotes for stocks
• Mutual fund quotes
• Automatic tracking of up to five baskets of investments
• Easy to use performance charts
• Up-to the-minute financial news
• Independent research reports

 

Safety and Security

• 128-bit encryption, the industry standard for protecting of your on-line transactions
• Certified secure by Verisign, a leader in the field of e-commerce security verification.
• In association with Credential Securities Inc., Credential Direct is covered by the Canadian Investor Protection Fund (CIPF)
• Requires a unique login ID and password

 

System Requirements

• Internet access with a Web browser – Internet Explorer 4 or higher with domestic security or Netscape 4 or higher with 128-bit encryption
• Or a touch-tone telephone

 

Credential Direct is a division of Credential Securities Inc., and operates as a separate business unit. Credential Securities Inc. is a subsidiary of Credit Union Central of Canada. Unless otherwise stated, cash balances and securities sold are not covered by Canada Deposit Insurance Corporation or by any other government deposit insurer, which insures deposits in credit unions. Securities sold are not guaranteed, their values change frequently and past performance may not be repeated. Credential Securities is a Member-CIPF.

TM Credential Direct and Credential Direct & design are trademarks owned by Ethical Funds Inc. and are used under license.