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Online Banking Guide

Discover convenience with online banking

This helpful guide will answer all of your online banking questions.
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 Frequently Asked Questions
Personal  |  Business

On This Page (Personal Accounts)
On This Page (Business Accounts)

Get Started with Online Banking on Computer or Laptop

You will need your 18-digit debit card number (personal members) or your Login ID (business members), your date of birth, and a valid mobile phone number or email address.

  1. In the top right corner of your screen, click the green "Sign In" button.
  2. Input the 18 digits on the back of your debit card, or your Login ID. Click "Continue".
  3. Verify your identity by entering your date of birth and a phone number or email address. You will receive a verification code to that phone number/email address. Enter the code and continue.
  4. Set up a username. Avoid using only your name as your username, as this is easy to guess. Choose a unique username that you will remember - once you create it, you cannot change your username. Your username can be up to 35 alphanumeric characters. Special characters are optional.
  5. Create a password with a minimum of 10 characters (max 35). It must include at least 1 uppercase letter, 1 lowercase letter, and 1 number. Special characters are optional.
  6. Confirm your sign-in details. Once everything looks correct, click "Create user profile". 

Future logins:  Now that your online banking is set up, use your new username and password to login next time. Visit the app store on your smartphone to download the RCU mobile app, so you can bank on the go!

Get Started with RCU Mobile App

The RCU mobile banking app works on the following mobile operating systems:

  • Apple (iOS): the current iOS version and the last 2 major versions
  • Android: the current Android version and the last 4 major versions

You will need your 18-digit debit card number (personal members) or your Login ID (business members), your date of birth, and a valid mobile phone number or email address.

  1. Download the "RCUBanking" app from your smartphone's app store. Once downloaded, open the application.
  2. Input the 18 digits on the back of your debit card, or your Login ID. Click "Continue".
  3. Verify your identity by entering your date of birth and a phone number or email address. You will receive a verification code to that phone number/email address. Enter the code and continue.
  4. Set up a username. Avoid using only your name as your username, as this is easy to guess. Choose a unique username that you will remember - once you create it, you cannot change your username. Your username can be up to 35 alphanumeric characters. Special characters are optional.
  5. Create a password with a minimum of 10 characters (max 35). It must include at least 1 uppercase letter, 1 lowercase letter, and 1 number. Special characters are optional.
  6. Confirm your sign-in details. Once everything looks correct, click "Create user profile". 

Future logins:  Now that your online banking is set up, use your new username and password to log in next time.

  1. Download the "RCUBanking" app from your smartphone's app store. Once downloaded, open the application.
  2. Log in using your existing username and password.

Forgot your username or password? See our FAQs for more help!

Mobile Wallet

  
Google Pay Logo (1)

Google Pay

Make purchases with your eligible Android devices.
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Apple Pay Logo (1)

Apple Pay

Make purchases with your eligible Apple devices.
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Samsung Pay Logo (1)

Samsung Pay

Make purchases with your eligible Samsung devices.
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Online Banking Features

View your RCU bank statements on your computer, laptop, or mobile app by logging in to online banking.
  1. Navigate to Accounts > View eStatements (in browser) or Activity > View eStatements (in app).
  • Set up 'favourite transactions' to save yourself time in the future.
  • Decide which accounts you want visible and the order they display.
  • Add or change your profile and background picture*.
  • Create shortcuts to easily view your account balances without signing in. Up to 3 accounts can be added to view balances easily. 
  • Set up 3D Touch Shortcuts on your Apple® device to view balances easily.
  • Rename your accounts and set up a default (main) account.
*Background picture only available on mobile app
Add transactions to your 'favourites' so you can perform them again easily.
  1. To add a favourite transaction, you must perform the transaction first.
  2. In the 'completed' notification screen after performing a transaction, there will be an option to add the transaction to Favourites. 
  3. Name your transaction, then save and continue.
To use a Favourite Transaction, navigate to Accounts > Favorite Transactions (in browser) or Dashboard > Favourites (in app). In this menu, you can also delete favourite transactions and edit the names.
 
Note:  You cannot edit the details of a favourite transaction (amount, account, etc.). To change a favourite transaction, delete it and add a new one once the correct transaction is performed. 
Easily view all your past transactions on a timeline, including sign-in times, paycheque deposits, bill payments, and more.
  1. On the opening page, scroll down to "Activity" and click it (on computer) or tap on Activity > Activity history in the bottom menu (in app).
In the event that you lose your phone, you can protect yourself and your information by disabling mobile access from a desktop computer.
  1. Under the My Rocky > Settings menu, click on Devices.
  2. Click the toggle beside any device you'd like to lock.
As an enhanced security measure, we’ll send you a one-time security code via text message or email to alert you when security-sensitive activities are performed.
 
See 'Set Alerts' for steps to do this.
Through your online banking, you can open a new chequing or savings account or non-registered term deposit. This feature is available for personal accounts only.
  1. Navigate to Accounts > Open account
Two-way secure messaging lets you safely communicate with us electronically within the RCU online banking and mobile app platforms.

Bill Payments

You will need to add a payee before you can send bill payments. This step is only required the first time. 

  1. Log in to your online banking.
  2. If you’re using a browser, navigate to the Transfers & Payments tab, then under Payments select Manage payees. If you’re using the app, tap More (in the bottom menu) then Manage Payees.
  3. Click Add Payee (browser) or + (app).
  4. Search for the vendor name, enter your payee account number, and confirm your payee details.
  5. This request requires an additional security step. Select how you want to receive your confirmation code.
  6. Enter the confirmation code you receive to confirm that you want to add this bill payee, then continue.

To pay a bill, first add a payee (see above).

  1. Log in to your online banking.
  2. If you’re using a browser, navigate to the Transfers & Payments tab, then under Payments select Pay bills. If you’re using the app, tap Move money (in the bottom menu), Payments, then Pay bills.
  3. Choose the account you’d like to pay from. If you’re using our app, click Add Payment.
  4. Select the bill vendor and enter the payment amount.
  5. Change the payment date if you wish to schedule the bill payment for a future date.
  6. Continue when you’re done, and confirm your payment.

You can schedule a recurring bill payment up to three years in advance.

    1. Log in to your online banking.
    2. If you’re using a browser, navigate to the Transfers & Payments tab, then under Payments select Pay bills. If you’re using the app, tap Move money (in the bottom menu), Payments, then Pay bills.
    3. Select Schedule recurring payments (browser) or Recurring Payments (app).
    4. Specify the vendor, amount, frequency of the payment, and start and end date.
    5. Continue when you’re done, and confirm your payment.
    With recurring payments, you don’t have the ability to edit details such as the “pay from” account, frequency, starting date, ending date, etc. To make changes, you will have to delete the payment series and re-add it with the correct details.
    Note:  Deleting a payee WILL NOT automatically delete any future-dated or recurring payments for this payee. Before deleting a payee, review your list of scheduled bill payments and delete any future payments to this payee as necessary.
      1. Log in to your online banking.
      2. If you’re using a browser, navigate to the Transfers & Payments tab, then under Payments select Manage payees. If you’re using the app, tap Move money (in the bottom menu), Payments, then Manage payees.
      3. Find the payee and click on the trash icon.
      4. Confirm the payee to be deleted.

      RCU’s online banking offers a convenient way to cancel bill payments.

      1. Log in to your online banking.
      2. If you’re using a browser, navigate to the Transfers & Payments tab, then under Payments select View scheduled payments. If you’re using the app, tap Move money (in the bottom menu), Payments, then View scheduled payments.
      3. Select the account the bill payment was made from.
      4. Select the payment you would like to delete.
      5. Confirm payment to be deleted.

       Note:  If you are approx. 1 day away from the payment, you may not be able to cancel it yourself. If the payment is not visible to you, contact us (403-845-2861) and we will attempt to cancel it for you.

      Interac e-Transfers

      To send someone an Interac e-Transfer, they need to be on your list of recipients. You only need to do this step the first time you e-Transfer to a new person.

      1. Log in to your online banking.
      2. If you’re using a browser, navigate to the Transfers & Payments tab, then under Interac® e-Transfer select Manage contacts. If you’re using the app, tap Move money (in the bottom menu), INTERAC e-Transfer®, then Manage contacts.
      3. Click Add contact (browser) or + (app).
      4. Enter the recipient’s name, email address and/or mobile phone number, and notification method.
      5. Enter a security question that the recipient will know the answer to, as well as the security answer they must provide to receive and deposit the money.
      6. Confirm your contact details.
      7. This request requires an additional security step. Select how you want to receive your confirmation code.
      8. Enter the confirmation code you received to confirm that you want to add this recipient.

      To send an Interac e-Transfer, you must have a profile created and your recipient added to you contact list.

      1. Log in to your online banking.
      2. If you’re using a browser, navigate to the Transfers & Payments tab, then under Interac® e-Transfer select Send Money. If you’re using the app, tap Move money (in the bottom menu), INTERAC e-Transfer®, then Send.
      3. Select the account you would like to transfer funds from.
      4. Select the recipient and the amount of the transfer. Optionally, add a message.
      5. Click continue.

      Let the recipient know the answer to your security question, but DO NOT put it in the message section of the transfer. Your account will be debited the transfer amount immediately, plus a service fee (if applicable).

      To receive an Interac e-Transfer you must have a profile created.

      1. When someone sends you an Interac e-Transfer, you will receive a notification either through email or text message.
      2. Click on the link to access a secure Interac website. You will be taken to the Interac website and asked to select your financial institution.
      3. Log in to your online banking.
      4. Enter the answer to the security question and click Accept.
      5. Select the account you would like the funds deposited into, and click Continue.
      6. Confirm transfer details and click Confirm.
      Tip:  If you want to skip these steps in the future, set up Autodeposit. Any incoming e-Transfers will automatically be deposited, without having to answer the security question. It is also the most secure option for fraud prevention. 

      The Interac Autodeposit feature allows you to have money sent via Interac e-Transfer automatically deposited directly into your RCU account, without having to answer a security question. 

        1. Log in to your online banking.
        2. If you’re using a browser, navigate to the Transfers & Payments tab, then under Interac® e-Transfer select Autodeposit settings. If you’re using the app, tap Move money (in the bottom menu), INTERAC e-Transfer®, then Autodeposit settings.
        3. Select Add autodeposit (browser) or + (app).
        4. Select what you want to register with and enter either your mobile phone or email address.
        5. Select the account where deposits will be made and check the box to acknowledge the statements.
        6. Confirm the autodeposit details and continue.
        7. This request requires an additional security step. Select how you want to receive your authentication code.
        8. Enter the confirmation code you received and continue.
        9. You will receive an email or text message from Interac to complete the autodeposit registration.
        You must have a contact set up to request an e-Transfer from them.
        1. Log in to your online banking.
        2. If you’re using a browser, navigate to the Transfers & Payments tab, then under Interac® e-Transfer select Request money. If you’re using the app, tap Move money (in the bottom menu), INTERAC e-Transfer®, then Request money.
        3. Select your contact. Fill in the request amount and the optional invoice #, payment due date, and message.
        4. Check the box that you have obtained consent to request money.
        5. Select which account you'd like the money deposited into, and continue.
        6. Confirm the details and proceed.

        You can cancel pending, declined, or expired transactions. 

        1. Log in to your online banking.
        2. If you’re using a browser, navigate to the Transfers & Payments tab, then under Interac® e-Transfer select History. If you’re using the app, tap Move money (in the bottom menu), INTERAC e-Transfer®, History, then Pending Transactions.
        3. Choose the pending transfer you want to cancel and click the cancel or “X” button.
        4. Click continue and confirm the transaction details.
          Personal Interac e-Transfer Limits:

          		 Sending Receiving
          Per Transaction $6000 $10,000
          Per Day $10,000 $20,000
          Per 7 Days $10,000 $70,000
          Per 30 Days $20,000 $300,000
          Business Interac e-Transfer Limits:

          		 Sending Receiving
          Per Transaction $10,000 $10,000
          Per Day $20,000 $100,000
          Per 7 Days $30,000 $300,000
          Per 30 Days $40,000 $900,000

          Transfer or Send Money

          You can easily transfer money between your RCU accounts in just a few simple steps. 

          Tip:  You can schedule transfers up to two years in advance, or have them repeat daily, weekly, or monthly up to ten years. You can even make an RRSP or TFSA contribution by transferring into an existing variable RRSP or TFSA.  

          1. Log in to your online banking.
          2. If you’re using a browser, click Transfers & Payments, then under Transfers select Transfer funds. If you’re using the app, tap Move money (in the bottom menu) then Transfer funds.
          3. Choose the account you would like to transfer the funds from, the account you would like to transfer to, and enter the amount you would like to transfer.
          4. Select the transfer type (it can be immediate, scheduled for a future date, or recurring). Add an optional Memo.
          5. Continue and confirm the transfer details.


          To transfer money to another RCU member's account, you will need to know their 12-digit account number. You must also have a valid email address or mobile phone number on file to complete the request.

          Tip:  Add your member-to-member transfers as a Favourite Transaction. Then, for future transfers, you won't have to remember their account number.

          1. Log in to your online banking.
          2. If you’re using a browser, click Transfers & Payments, then under Transfers select Transfer funds. If you’re using the app, tap Move money (in the bottom menu) then Transfer funds.
          3. Choose the account you would like to transfer the funds from.
          4. Under "Transfer to", select Another Rocky CU member.
          5. Input the member's account number and the amount you would like to transfer.
          6. Select the transfer type (it can be immediate, scheduled for a future date, or recurring). Add an optional Memo.
          7. Continue and confirm the transfer details.

          Deposit Cheques

          You can deposit a cheque from the comfort of your home, as long as you have a smartphone!
          1. Log in to your online banking on the RCUBanking mobile app.
          2. In your Dashboard, tap on Mobile Deposit.
          3. Select the account you want to deposit the funds into, then type in the correct amount on the cheque.
          4. Follow the prompts to take a picture of the front and back of the cheque.
          5. Continue and confirm the details.
          6. Keep the physical cheque in a safe place for 90 days, then destroy it.

          Exceptions/Conditions

          • The cheque cannot be post-dated or altered.
          • Deposits need to be in Canadian funds drawn on a Canadian financial institution.
          • The cheque can’t be drawn on the same account the funds are coming out of.
          • All deposits should be payable to, and endorsed by, the account holder.
          • The limit is $100,000 per cheque.
          • Funds will immediately appear in your account, but normal hold times still apply for all deposited amounts.

          Set Alerts

          Alerts are notifications that RCU will send you when certain activities (that you specify) occur on your accounts. It's a security measure to help keep your money safe! We recommend you set up alerts so you will be notified if a transaction or action has happened that you didn’t perform.
          1. Log in to your online banking.
          2. There are two types of alerts you can receive; Account alerts (about transactions) and Security alerts (about logins). If you're using a browser, navigate to the My Rocky tab, then under Alerts click either Account or Security. If you're using the app, tap More (in the bottom menu), Alert settings, then either Account alerts or Security alerts.
          3. Toggle each individual alert on or off according to your preferences, then Save your new alert settings.

          Stop Payments

          1. Log in to your online banking in a browser. This feature is not available on the mobile app.
          2. Check your account to ensure the cheque has not already processed.
          3. Navigate to the Accounts tab, then under Cheques select Stop cheques.
          4. Click Request a stop cheque.
          5. Select the account the cheque is drawn on.
          6. Select a reason for the stop cheque request.
          7. Enter the cheque date, the name of the payee, cheque number, and cheque amount.
          8. Continue and confirm cheque the stop details.

          Note:  A service fee will be applied if the debit is returned as Stop.

          You are not able to request a stop payment on a pre-authorized payment through your online banking. Please contact 403-845-2861, and we will request the stop payment on our end. Beforehand, check your account to ensure the payment has not already processed.

          Update Personal Information

          To update your home address, phone number(s), and email address yourself, we need to have either your mobile phone number or your email address in our system.

          1. Log in to your online banking.
          2. If you're using a browser, navigate to My Rocky, then under Settings click Contact details. If you're using the app, tap More (in the bottom menu), Profile, then Contact details.
          3. Update any outdated information, check the Privacy Agreement checkbox, and continue.
          4. This action requires an additional security step. A code will be sent to either the email address or phone number we have on file for you.
          5. Input the security code you received, and continue.

          Reference Guide for Business Members

          Delegate Management

          Start by logging in to your online banking with your business profile.
          1. Select Business Services.
          2. Click Delegate Management, then Add Delegate.
          3. Create the delegate a username (5-35 alphanumeric characters), and enter the name of the delegate.
          4. Select the delegate's access level.
          5. Select how the delegate will receive their setup instructions, and enter either their email or mobile number.
          6. Enter any note that applies to the delegate. (Eg. bookkeeper, accountant, etc.)
          7. Accept and continue, confirm the details.
          8. You will receive a one-time password. Enter it to successfully add the delegate.
          9. The delegate will now receive their temporary password via email or text; you must notify them of their user name you have created for them.
          Start by logging in to your online banking with your business profile.
          1. Select Business Services.
          2. Click Delegate Management, then select the Edit icon beside the delegate you'd like to make changes to.
          3. Make the necessary changes. 
          4. Accept and continue, confirm the details.
          5. You will receive a one-time password. Enter it to successfully edit the delegate.
          Start by logging in to your online banking with your business profile.
          1. Select Business Services.
          2. Click Delegate Management, then find the delegate in your list.
          3. Click the Reset Password button for the desired delegate.
          4. They will receive prompts to reset their password. 
          Note:  There is no option to delete a delegate after they are added. However, you can use the Lock feature to disable their access. 
          1. Log in to your online banking with your business profile.
          2. Select Business Services.
          3. Click Delegate Management, then find the delegate in your list.
          4. Toggle the lock feature on or off as desired for each of your delegates.

          Set Alerts

          Note:  Setting alerts is very important so that you get notified when you need to provide a second authorization for a transaction. We recommend turning on alerts so you will know when their is a pending transaction.
          Note:  Setting alerts will only affect your individual profile, not the other signers on the account. They will need to opt-in for their own alerts. 
          1. Log in to your online banking with your business profile.
          2. Navigate to the MyRocky tab, under Alerts select Business.
          3. Toggle which notifications you'd like to receive.

          View Pending Transactions

          Pending transactions require further authorization before they can be completed.
          1. Log in to your online banking with your business profile. 
          2. Select Business Services, then Pending Transactions.
          3. From here, you can view pending transactions that you created which are awaiting further action, or pending transactions that another delegate has sent to get your approval. You can also view any cancelled or expired transactions.

          Profile Consolidation

          Note:  You can only consolidate your profile through your business profile, not the other way around.
          1. Log in to your online banking business profile.
          2. Select Business Services, then Profile Consolidation.
          3. Click Add Profile.
          4. Enter your personal profile's username and password.
          5. Confirm the details and continue. 
          6. You may need to refresh your page to see the change.
          1. Log in to your online banking business profile.
          2. Select Business Services, then Profile Consolidation.
          3. Locate the profile you'd like to delete, then click on the trash bin icon.
          4. Verify the details and continue.
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