Banking During COVID-19 FAQ'S



 
1)  Crossroads Credit Union’s IN-BRANCH services are suspended TEMPORARILY during the COVID-19 pandemic, now how can I do my banking?

We are still here to serve you, just in another way! Some of your options include:
Using online banking (MemberDirect) and our Mobile App to access your accounts and check balances, transfer funds, deposit cheques, and pay your bills. Not set up for this yet? No problem!  Give us a call and we are more than happy to help you out!

You can use our DING FREE ATM’S to make deposits and withdrawal cash. IMPORTANT, the Canora ATM DOES NOT use envelopes, this will only jam the machine, please just place the cash/cheques directly into the slot when prompted to do so.

Use Deposit Anywhere through our Mobile App to deposit your cheque(s) directly into your account.  Make sure you write on the back of your cheque(s) that you deposited it via the Mobile App, the date and hang onto them for 90 days.

INTERAC E-transfer® - Needing to send or receive money, this can be done through an e-transfer. Not sure how it works?  Click here for details.

Use our Night Depositories in Canora, Preeceville & Sturgis to drop off cheques and bills payments that you need processed.  Sturgis’s will not be available for drop off during lunch and outside of regular business hours when the branch is closed.  Our staff will be processing these transactions throughout the day during our regular business hours.

Call, text or email us (Canora 306-563-5641, Preeceville 306-547-3213, Sturgis 306-548-2963, Wadena 306-338-2581) with your transaction request and we will happily find a solution that will work for you!  Rest assured, we are here for you – reach out to us, we are in this together.
 

2)  How can I make my deposits?
You can use Deposit Anywhere through our Mobile App to deposit your cheque(s) directly into your account.  Make sure you write on the back of your cheque(s) that you deposited it via the Mobile App, the date and hang onto them for 90 days.  Worried about holds?  A hold period allows enough time for us to verify that the funds are available. Depending on your relationship with Crossroads CU, the hold may be released. Call your local branch to inquire about how holds pertain to you.

You can utilize our Night Depository at our Canora, Preeceville and Sturgis branches.  Put your cash or cheques into an envelope and slip it into our Night Depository.   Our staff are processing these transactions throughout the day during our regular business hours (M-F 9am - 4pm and in Canora and Preeceville  Saturdays 10-4).

Sturgis’s will not be available for drop off during lunch, outside of regular business hours or on Saturdays.  

You can use our ATM’s at the Canora, Preeceville and Wadena branches to make your deposits!  Worried about a hold?  Holds are placed on cheques for your safely, to reduce the risk of you being a victim of a fraudulent transaction.  To find out how holds pertain to you, call your local branch.  
 
3)  Can I put cash deposits in the Night Depository to be deposited into my account?
Absolutely! You can put cash or cheques through the night depository for deposit to your account, just ensure they are in an envelope including your name.  Envelopes can be found at the ATM.

4)  I am having issues using Deposit Anywhere on my Android phone. What am I doing wrong?
It’s not you, it’s the update!  Android phones that have been updated to Android 10 are not able to click the “take photo” button.  This is due to the home button overlaying the “take photo” button.  There is a fix scheduled in the coming weeks, but here is a work around until then.
  • Go into your Android Settings
  • Select Display
  • Select the Navigation Bar
  • Change from Navigation Buttons to FULL SCREEN GESTURES

5)  How can I pay my bills?
We have many options available for you to pay your bills.  You can use online banking (MemberDirect). If you need help or would like to set this up, please call your local branch and we will be more than happy to get you started! 

If you have online banking access, you can download the Crossroads Credit Union Mobile App and use it to make your bill payments. (All of the bill payees that you have paid before, will automatically already be in there!)

Use our Night Depository at our Canora, Preeceville and Sturgis branches.   Take the bottom portion of your bill write how much you would like to pay, sign it and place it into an envelope and slip it into the Night Depository.  Our staff will be processing these transactions throughout the day during our regular business hours.

Sign-up for pre-authorized payments.  Many of your bills can be set up so they automatically come out of your account when they are due.

If those options don’t work for you, call your local branch and we will pay them over the phone for you – we will be waiving the fee for telephone transaction through the COVID-19 Pandemic.
 
6)  How do I add a bill payee to my online banking or Mobile App?
Online Banking.
On the right-hand side go to Payments and then Add payee.
Click on Add Payee
Then Search for the Payee Name  (Note: For “Town of” Payees search the Town Name First ex: Wadena…then a list of options will be displayed)
Choose Your Bill Payee
Input your account # 
Bill Statements will generally indicate an account # for online banking that you should be using.
Hit Submit
 
Mobile App
Go to Pay Bills
At the Top on the right-hand side go to Mange Payees
At the Top on the right-hand side go to Add Payee
Search for the Payee Name
Choose Your Bill Payee
Input your account #
Hit Add Payee
 
7)  How Do I send an INTERAC E-transfer®? 
Online Banking:
On the left-hand side choose Transfers
Then choose Send Interac e-Transfer from the list
Choose your recipient and the account you would like to send the money from and the amount
Send the transfer

To Add a recipient, you must have their email address or mobile phone number.  Be sure never to include the answer to the security question in the message field.

Mobile App:
Open the Crossroads Credit Union App
On the Main Screen Choose INTERAC e- Transfer®
Choose the account you would like to send it from, the recipient and the amount.
Hit Continue and then confirm

To Add a recipient, choose settings on the top right-hand corner then choose Manage Recipients, then choose add recipients. You must have their email address or mobile phone number.  Be sure never to include the answer to the security question in the message field.

8)  I Don’t Have a Debit Card, how do I get one?
No debit card - No problem!  Just call or text your local Crossroads Branch (Canora 306-563-5641, Preeceville 306-547-3213, Sturgis 306-548-2963, Wadena 306-338-2581) and we will arrange a day/time that will work for you to pick one up ensuring we follow the Social Distancing rules.
 
9)  Is my money secure?
Deposits held in Saskatchewan credit unions are fully guaranteed through the Credit Union Deposit Guarantee Corporation (CUDGC).  There is no limit to the size of deposit covered by the guarantee.

The Corporation’s system of deposit protection, including preventive approaches, strong levels of credit union capital and a strong guarantee fund ensure even the largest deposits are fully guaranteed.

In the history of the Corporation, no one has ever lost a dollar deposited in a Saskatchewan credit union.

10)  I am suffering financial hardship due to the COVID-19 Pandemic, what can I do?

We understand the impact that COVID-19 has had on so many. If you are facing financial hardships due to COVID-19, please reach out to us by phone, text (Canora 306-563-5641, Preeceville 306-547-3213, Sturgis 306-548-2963, Wadena 306-338-2581) or email reception@crossroadscu.ca.  We will work with you to help meet your needs and help to reduce the financial pressure you may be suffering due to COVID-19.
 

11)  Are there any government supports due to COVID-19?
 Yes, there are.  Click here for more information and to see if you qualify for any of them.
 
12)  When will our doors be physically open to the public?
Since the Provincial Government’s Re-Open Saskatchewan plan was released, we have had questions about when Crossroads Credit Union’s doors will physically be opened to the public?
Crossroads is fortunate that we have been able to continue service to our members, during these uncertain times, just in a different way. 

We hope you are not waiting for our doors to be unlocked to fulfill your banking needs.  WE ARE STILL HERE TO SERVE YOU and are working with our members on a case-by-case basis to find a solution that works for their situation.  Please, call, text, email or use our toll-free number 1-877-535-1299 to reach out to us.  We are here for you.

Our top priority has not changed – the health and safety of our members and employees remains our number one priority.  We will be reviewing and reconsidering options during Phase 3 of the Re-Open Saskatchewan Plan; however, our in-branch services may look a bit different than you are used to, physical distancing and certain guidelines will need to be followed. We will provide you with more information as we know more.

We thank you for your continued support and patience through this unprecedented time.  Let’s all work together to continue to help flatten the curve.
 
Credential Direct CUDGC