Crossroads Credit Union - Personal & Business Banking - Online Banking and Our Mobile App

Stay connected with your accounts and financial responsibilities with online banking. Manage your accounts, open accounts, transfer money between accounts, transfer money to another Crossroads CU member with just their account number, pay bills, send an INTERAC® e-Transfer, send a Secure Message to our advisors, download a VOID cheque and so much more ~ whenever it's convenient for you.

Need to sign up for digital banking? Contact us and we'll get you started.

Mobile App

Get instant and secure access to your accounts with the Crossroads Credit Union mobile banking app.

- Check your account balances and activity
- Manage your bills
- Schedule payments
- Lock your debit card
- Transfer money between accounts
- Transfer money to another Crossroads CU member
- Use INTERAC^®e-Transfer to send and receive money securely
- Deposit your cheques using Mobile Deposit Capture
- Download a VOID Cheque
- Sign up for CRA Direct Deposit
- Send a secure message to our advisors
- Upload a Profile & Background picture

All from the palm of your hand anytime - anywhere.

* Members must be signed up for Digital Banking access in order to access the app, to sign up contact us.

In addition to your username and password, your digital banking account is protected with Two Factor Authentication (2FA), sometimes also referred to as Two Step Verification (2SV), or as a form of One Time Passwords (OTP). High-risk transactions may require you to reauthenticate that you are the owner of the account. Such high-risk transactions may include adding a bill payment vendor, adding an eTransfer recipient, or changing your personal information.

We use industry standard TLS encryption on our desktop website and mobile app, enabling you to easily and securely complete banking transactions on your smartphone, tablet or computer.

Existing Users

For Apple Users:
The new Crossroads Credit Union Mobile App will be available as an app update! Install the update and you will be connected to our new Digital Banking Mobile App.

For Android Users:
1. Delete all old versions of the Crossroads Credit Union Mobile App.
2. Close all open apps and browser windows on your device.
3. Restart your device.
4. Install our new Crossroads Credit Union Mobile App found on Google Play.

Note: If you have already downloaded the new app without taking these steps, you can delete both the old and new apps; restart and re-install the new app.

New Users

For Apple Users:
1. Using your iPhone, in the App Store search for ‘Crossroads Credit Union.’
2. Look for our app icon and verify that the author of the app is Crossroads Credit Union
3. Tap ‘Get’ and once installed click ‘Open’.

For Android users:
1. Using your Android phone, open the Google Play™ Store and tap the search icon and search for 'Crossroads Credit Union'.
2. Select the app icon, and verify that the author of the app is Crossroads Credit Union
3. Tap the ‘Install’ button.

Check account balances and activity
Pay bills
Transfer funds
Deposit cheques - with Mobile Deposit Capture
Schedule payments
Transfer to another Crossroads CU member with just their account number
Find branches/ATMs
Send secure messages to our advisors
Upload a profile and background image
Download a VOID Cheque

Our digital banking system (online banking & mobile app) has industry-leading security capabilities, including strong fraud prevention, cyber security features and high-risk transaction protections to ensure that your transactions are secure while data is transmitted between your device and our banking server.

We use industry standard TLS encryption on our desktop website and mobile app, enabling you to easily and securely complete banking transactions on your smartphone, tablet or computer.

Yes, you can set up shortcuts through the widget function on your mobile device by following these steps:

1. Sign into your mobile app.
2. Navigate to ‘More’ (bottom right-hand corner).
3. Tap ‘General Settings’.
4. Tap ‘Widget Settings’.
5. Click on the Account balances to turn the functionality on and then click ‘Add account’.
6. Enter the account name you want to display.
7. Select the account you want to display.
8. Under Balance Display, it’s recommended to leave ‘Account balance’ checked.
9. Under Visibility, it’s recommended to leave ‘Both’ checked.
10. Tap the + Icon in the top right-hand corner of the screen.
11. Follow the same process to add up to 2 more accounts you'd like to view.
12. Sign out of the app. The next time you go to sign in, you will see your account balance displayed. If you set up more accounts, swipe right to see your quick balances.

You will then be able to add up to three accounts you'd like to view. If you're sharing this device, we recommend you turn off this option.

Note: You are also able to add some of your favourite transactions as shortcuts in the widget, making it even easier for you to do your banking!

Everything you need to know can be found in our HELP CENTRE section of our website. You can check it out by clicking here!

Debit Card Management (DCM)

If your debit card is ever lost or stolen, Debit Card Management provides you with the power to lock and unlock access to debit cards and accounts in an instant through digital banking or our mobile app.

With Debit Card Management, you can:

- Lock/unlock your debit card(s) to prevent all transactions.
- Lock/Unlock transactions by select provinces/territories.
- Lock/Unlock transactions by merchant category.
- Lock/Unlock point of sale (POS) transactions within Canada.
- Lock/Unlock point if sale (POS) transactions outside of Canada.
- Lock/Unlock ATM transactions within Canada.
- Lock/Unlock ATM transactions outside of Canada.
- Lock/Unlock contactless payment (tap/in-app).
- Lock/Unlock contactless smartcard payment (flash transactions – NFC and tap)
- Set Limits for POS and ATM.

Instant Security. Total Peace of Mind.

How to Access:

• Mobile App: More → Manage Debit Cards
• Online Banking: Accounts → Cards → Manage Debit Cards

Deposit cheques with our App

With Mobile Deposit, you can deposit cheques anytime that is convenient for you, without having to visit a branch or ATM.

Here's how it works.

Download the Crossroads CU Mobile Banking App
Open the app
Tap Mobile Deposit
Choose your account and the amount of your deposit
Snap a photo of the front and back of your cheque
Tap "Continue"

CRA DIRECT DEPOSIT

Skip the wait and get your tax refunds and benefit payments deposited directly into your account—fast, safe, and hassle-free. And here’s the best part: you can sign up right from our app or online banking.
It’s quick, secure, and puts your money where you need it—right away.

How do I sign up for CRA Direct Deposit?

If you’re using a desktop, login to digital banking and go to 'Accounts'.
Click 'CRA direct deposit'.
Click 'Enroll Now'.
Enter your Social insurance number, and Date of birth (MM/DD/YYYY).
Read through and authorize Acknowledgements and Privacy Statement, and then select 'Continue'.
Confirm the CRA Direct Deposit Details and then select 'Continue'.
The Direct Deposit Form has now been submitted to CRA.

If you’re using the mobile app, login and go to 'More'.
Click 'CRA direct deposit'.
Click 'Enroll Now'.
Enter your Social insurance number and Date of birth.
Read through and authorize Acknowledgements and Privacy Statement, and then select 'Continue'.
Confirm the CRA Direct Deposit Details and then select 'Continue'.
The Direct Deposit Form has now been submitted to CRA.

While publicly available information suggests a one-business-day turnaround, please note that this timeline is managed by the CRA and is subject to change. You can verify that your profile was updated by visiting the Canada Revenue Agency website.

You will receive your CRA direct deposits into the most recent bank account the CRA has on file. Direct deposits will only be made into one account, at one financial institution. If you had CRA Direct Deposit set up at another Financial Institution and choose to set it up through your Crossroads Digital Banking profile it will then remove the initial Direct Deposit set up at the other Financial Institution and activate the new Direct Deposit.

Yes, two people may request their payments be deposited to the same account. Each individual will need to enroll for direct deposit using their own online banking login.

Individuals must have filed at least one income tax return in the past to be eligible to enroll for direct deposit with the Canada Revenue Agency. The account you are using for Direct Deposit must have also been set up for at least 30 days, be a Canadian Currency Account and a chequing or savings account.