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Getting started
How do I:
  • login?
  • log in to the new digital banking for the first time, if I’m not receiving an email or text code?
  • find the right browser to access digital banking?
  • use my PAN/debit card number every time I log in?
  • change my username?
  • reset my password?
  • use digital banking if I don't have a email address or cellphone number?
  • where can I find the Synergy CU Mobile App?
  • sign in as a new digital banking user?
  • sign in as an existing user?
  • book an appointment?
  • deposit a cheque with my phone?
  • become a member?
  • install the app onto my iPad or tablet?
Manage accounts
How do I:
  • find a shortcut to view my account balances without signing in?
  • unlock my account?
  • get my device to recognize my fingerprint, so I can still access my account?
  • open an account?
  • find my account number?
  • view eStatements?
  • order new cheques?
  • change/reset my password?
  • set up alerts?
  • add a favourite transaction?
  • use a favourite transaction?
INTERAC e-Transfer®
How do I:
  • set up a profile?
  • add a contact?
  • send an e-Transfer?
  • receive an e-Transfer?
  • cancel an e-Transfer?
  • find what the limits are?
  • sign up for Autodeposit?
Transfers
How do I:
  • transfer money to another Synergy member?
  • use the Customer Automated Funds Transfer (CAFT) program?
  • send a wire transfer?
Payments
How do I:
  • pay business taxes/make CRA payments?
  • make an extra loan payment?
  • advance from my quick loan?
  • payout my loan?
  • add a bill payee?
  • make a recurring bill payment?
  • pay multiple bills at one time using the app?
Cards
How do I:
  • order a new debit card?
  • report a lost or stole card?
  • make a payment on my credit card?
  • access MyCardInfo?/What is MyCardInfo?
  • redeem my rewards?
Business partners sharing creative ideas
Small business
How do I:
  • know the difference between small business and personal digital banking?
  • enter my date of birth to set up my business account?
  • ensure access for my delegates now that I've transitioned over to digital banking?
  • know when there is a transaction needing my approval?
  • consolidate my personal account to my business account?
  • learn what a delegate is?
  • set up a delegate?
  • choose a delegate's login and password?
  • connect to Quicken/QuickBooks?
  • get my full business's name to show on digital banking?
Dog in winter
Personalization
How do I:
  • change my profile picture?
  • change my background on the app?
  • edit my favourites?
  • customize my accounts?
Woman using laptop and featuring security icons
Security
How do I:
  • send an INTERAC e-Transfer® more securely?
  • choose a security question?
  • know sending an INTERAC e-Transfer through email or text message is secure?
  • ensure an INTERAC e-Transfer notification will be sent to my contact/recipient?
  • what is two-factor authentication (one-time passcode)?

Getting started

If you get the error “Identification details entered do not match our records” while setting up your digital banking profile, you will need to update the contact information we have on file for you.

You can do so by calling our Member Contact Centre at 1-866-825-3301 or use our contact us form. For after-hours assistance, please call 1-800-574-7221.

You can fill out our online form and we will get back to you to let you know when you will be able to access the digital banking platform. Or if you require immediate assistance, please call 1-866-825-3301 or use our contact us form. For after-hours assistance, please call 1-800-574-7221.
If you do not receive your secure code by email or text message within 10 minutes, please check your Junk mail/Spam or other folders. Alternatively, you can try again either with your email or phone number.

If you do not receive a code using either method, you may need to update your contact information with us. We would be happy to help. You can do so by calling our Member Contact Centre at 1-866-825-3301 or use our contact us form. For after-hours assistance, please call 1-800-574-7221.

If you do not receive a code using either method, we will need to update the contact information we have on file for you. You can fill out our online form and we will get back to you to let you know when you will be able to access the digital banking platform. Or if you require immediate assistance, please call 1-866-825-3301 or use our contact us form.

We recommend using the most recent version of one of the following supported browsers:

  • Google Chrome
  • Apple Safari
  • Mozilla Firefox
  • Microsoft Edge

No, the good news is now you can log in with the use of your personal username instead of having to remember a 17- or 19-digit card number.

Once you create your username, it is not able to be changed at this time. It is good to know that you’ll want to choose a username you love, that is unique to you, tough for others to guess, and is something different than your debit card number.

If you forget your username, you may be able to use your debit card number as an alternative login method. You also can contact us and we can assist with recovering your username.
If you forgot your password, that’s OK, you can reset it!

Click the ‘Forgotten password?’ link on the login page and follow the instructions. You will need your username and the email address or cellphone number you have on file with Synergy.

View the interactive demo: Reset Password
To access digital banking, you need an email address or cellphone number to be able to receive the secure code to initiate log in. If you need assistance in setting up an email account, please If you need assistance setting up your account, please visit the email providers’ website for assistance (such as Sasktel, Outlook, Gmail, Yahoo, etc.).

You can access the Synergy Credit Union mobile app by searching for "SynergyCU Mobile App" in the App Store or " SynergyCU Mobile App" in the Google Play Store.

  • Android users: Please delete your previous Synergy CU Mobile Banking app on your Android smartphone before you install the new app.
  • iPhone users: you can update the existing Synergy Mobile Banking app without needing to uninstall the app first.

Alternately, you can access the apps by selecting the appropriate quick link on the footer of synergycu.ca

We are excited you are taking this step! First, you will need to create a profile.
  1. Go to the login screen and enter your Member Card® debit card number and click ‘Continue.’
  2. Enter your date of birth and the mobile phone number of email address associated with your account. Click ‘Continue.’
  3. A popup window may display asking for the code you received by text message or email. Enter the code, if applicable, and click ‘Continue.’
  4. Enter a new username (username cannot be your debit card number).
  5. Enter a new password (following the password rules provided).
  6. Re-enter password for verification.
  7. Read and acknowledge the direct service agreement and click ‘Continue.
  8. Confirm details and click 'Create user profile'.
  9. User profile is successfully created. Click 'Proceed to sign in'.
  10. You will be redirected to the login screen. Enter your new username and password.

You might also be interested in:

  1. Go to the login screen and enter your Member Card® debit card number and click 'Continue'.
  2. Enter your current online password. Click 'Continue'.
  3. Read and acknowledge the Direct Services Agreement.
  4. Enter a new username (username cannot be your debit card number).
  5. Enter a new password (following the password rules provided).
  6. Re-enter password for verification.
  7. Enter your mobile phone number of email address associated with your account.
  8. A popup window may display asking for a code you received by your mobile device (text message) or email address associated with your account. Enter the code and click 'Continue'.
  9. Confirm details and click 'Create user profile'.
  10. User profile is successfully created. Click 'Proceed to sign in'.
  11. You will be redirected to the login screen. Enter your new username and password.

    You might also be interested in:
You can do this in a variety of ways:
You may also be interested in:
With Mobile Deposit, you can deposit your cheque into your PowerPack or SmartPack account without needing to visit a branch or ATM.
You can deposit your cheques anytime of the day or night (anywhere you have Internet connection). It's quick, easy and secure...just follow these simple steps:
  1. Contact Synergy to set your account up for Mobile Deposit (this is a one time occurrence).
  2. Open the app on your iPhone or Android smartphone.
  3. Open the menu options in the top left corner.
  4. Select ‘Mobile Deposit.’
  5. Select the account you want to deposit the cheque to
  6. Enter the amount of the cheque.
  7. Take a photo of the front and back of the cheque and click ‘Continue.’

You may also be interested in:

We are so excited for you to join us. We have a few different options for you to become our newest member:

 

You may also be interested in:

Our new digital banking app is only available to install onto iPhone and Android Smartphones. Apps cannot be installed onto tablets or iPad.

At this time, access to the mobile app is not available on an iPad or tablet. In the meantime, to access online banking on your iPad or tablet, you can use your mobile device’s browser (e.g. Safari) to visit https://banking.synergycu.ca.

Manage accounts

Yes. You can set up shortcuts through the widget function on your mobile device by navigating to the menu (three-line stack icon), choosing ‘Settings’ and tapping on ‘Widgets.’ There you will be able to add up to three accounts you would like to view. If you’re sharing this device, we recommend you turn off this option.

You can also add some of your favourite transactions as shortcuts in the widget, giving you an even quicker way to do your banking.
Unsuccessful attempts with facial or thumbprint recognition, or entering your password incorrectly can cause a lockout on your account.

To get it unlocked, please call us at 1-866-825-3301 or for after-hours assistance, please call 1-800-574-7221.You can also select the ‘Forgotten Password’ link to reset your login.

View the interactive demo: Reset Password
Yes, you always have the option to sign in with your username and password. Just tap ‘Cancel’ when the app asks for your fingerprint.

For new members, we have a few different options for you:

 

For existing members:

  1. Sign in to Digital Banking via desktop or mobile app.
  2. Choose Accounts and select ‘Open account.’
  3. Determine type of account you are looking for and select ‘Check the accounts.’
  4. Choose the account package that meets your needs and select ‘Open Account.’
  5. Make an initial deposit (optional), select your intended use and click ‘Continue.’
Note: Some accounts require a minimum deposit. To open an RRSP or TFSA account, you must have an existing plan with Synergy Credit Union.

 

You may also be interested in:

Your account number can be located:

  • On your statements
  • Within your digital banking [link coming soon]
  • On the bottom number of your cheques
  • If you have misplaced or forgotten your account number, please contact us 1-866-825-3301 or stop in at any of our locations to obtain your full account number. For security purposes we will not include any account numbers via email.
  1. Log into your Digital Banking account.
  2. Click on ‘Accounts.’
  3. Click ‘View eStatements.’
  4. Select the account that you would like to view.
  5. Select the year and then the month of the statement you wish to look at.
eStatements are available to view on desktop and on mobile apps.

To order cheques, we encourage you to call the Member Contact Centre at 1-866-825-3301 or stop by your nearest branch and Synergy’s team will be happy to assist.

 

If you are interested in other payment options, you may be interested in:

On desktop/tablet:

  1. At the login page, click ‘Forgotten password.’
  2. Select 'Click here to recover your access.’
  3. Enter your email address or phone number and click ‘Continue.’
  4. Enter the code that was sent to your email inbox or mobile phone via text message.
  5. Enter your new password and confirm the new password. Click ‘Continue.’
  6. You will be returned to the login page.
  7. Login with your username and new password

On app:

  • At the sign-in page, tap ‘Forgotten password.’
  • Enter your username and select either e-mail or text message used in enrollment.
  • Enter your email address or phone number and select ‘Continue.’
  • Enter the code that was sent to your email inbox or mobile phone via text message.
  • Enter your new password and confirm the new password.
  • Tap ‘Continue.’
  • You will receive a prompt that the password was successfully updated.
  • Login with your username and new password.

 

You may also be interested in these interactive demos:

Steps:
  1. Login to digital banking on desktop/tablet or the app.
  2. Navigate My Synergy > Alerts or Menu > Alerts on app
  3. Click/tap 'Security' or 'Account'.
  4. Select the notification types.
  5. Toggle on/off the types of notifications to receive (text message, email, push notifications.
  6. Click/tap 'Save'.
You can choose to receive alerts using all, a combination of or one notification type (text, email and/or push notification). However, there are 3 mandatory security alerts that are received by email and cannot be turned off. 

Account alerts are unique to each account – different alerts can be set up on different accounts. Only one balance frequency notification can be selected (daily, weekly or monthly) per account.

You may be interested in:

  • Select ‘Transfers & Payments’ (on the app tap the menu icon and then ‘Transfers’)
  • Go to ‘Transfers’ and then ‘Transfer Funds’
  • Select the transfer to account from the dropdown or select another Synergy member and enter the account number
  • Enter the amount
  • Enter a memo (optional)
  • Select ‘Continue’
  • Review the details and select ‘Continue’
  • Click the favourites icon (heart with plus [+] symbol)
  • Enter the favourite name
  • Select add to favourites

To add another favourite transaction, follow the above steps using whatever transaction is desired i.e.: recurring bill payment, e-Transfer.

 

You might also be interested in:

  • INTERAC e-Transfer
  • Mobile payment options (Google Pay, Samsung Pay and Apple Pay)
  • Check out 'Adding a favourite' interactive demo video

 

  1. Login to Digital banking
  2. Select ‘Accounts’ from the navigation menu
  3. Select favourite transactions
  4. Click on the use icon
  5. Verify the details and make any changes
  6. Click ‘Continue’

INTERAC e-Transfer®

  • If you have an INTERAC e-Transfer profile already set up, just log in to Synergy digital banking and you will be able send and receive e-Transfer transactions.
  • If you do not have an INTERAC e-Transfer profile created, go to ‘Transfers & Payments’ (on app tap the menu icon then select Transfers) and select ‘Interac e-Transfer.’
    • Click ‘Profile settings.’
    • You will be asked to confirm your information – name, email, mobile phone.
    • Click ‘Continue.’
    • Verify your details and click ‘Continue.’
    • Enter the one-time password you received at your mobile devices (text message) or email address.
    • Click ‘Continue.’

 

You may also be interested in:

  1. Go to ‘Transfers & Payments’ (on the app tap the menu icon then select Transfers) and select ‘Interac e-Transfer.’
  2. Click ‘Manage contacts.’
  3. Click ‘Add contact.’
  4. Enter the name of the person you wish to add.
  5. Enter email address/mobile phone number.
  6. Select language preference – defaulted to English.
  7. Select the notification method using the drop down menu.
  8. Enter the security question and the answer.
  9. Re-enter the answer to the security question.
  10. Click ‘Continue.’
  11. Confirm the details of the contact added
  12. Click ‘Continue.’
  13. Enter the one-time password you received to your mobile phone (text message) or email address.
  14. Click ‘Continue.’

Sending money by INTERAC e-Transfer® is quick and easy. First, you will need to set up a user profile and a recipient list. Once that is completed, you can now send an INTERAC e-Transfer transaction.

  1.  Go ‘Transfers & Payments’ and click ‘Interac e-Transfer.’
  2. Click ‘Send money.’
  3. Select the account you wish to send from.
  4. Select contact from dropdown menu.
  5. Create a security question that relates the contact will answer.
  6. Enter the amount.
  7. Add optional message.
  8. Click ‘Continue.’
  9. Confirm details.
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Synergy Credit Union members can receive an INTERAC e-Transfer® transaction. Money received by email will be deposited directly into your personal or business Synergy Credit Union account.

  1. Click or tap the link in the email or text notification indicating you have received a new INTERAC e-Transfer transaction.
  2. Skip over 'Find your Financial Institution' as this will not populate Synergy Credit Union.
  3. Select Province as 'Saskatchewan' first, then credit union as 'Synergy Credit Union.'
  4. Choose the Synergy Credit Union account into which you wish to deposit the money.
  5. Log in to Digital Banking to deposit the funds.


When receiving an INTERAC e-Transfer for the first time in the new Digital Banking platform (which was launched March 16, 2021), and if you had received INTERAC e-Transfers previously, you may be presented with the Synergy name and logo. If this is the case, please follow these steps:

  1. Bypass selecting Synergy/clicking on the logo
  2. Scroll down to “Select a different financial institution”.
  3. Select Synergy Credit Union from the list.

The reason for this is due to your device remembering where to go, which is the old platform that is no longer there.

Once you do this for the first time, your device should remember where to go (which is the new digital banking) and you would not have to repeat these steps.

You can cancel an INTERAC e-Transfer® transaction before it has been deposited by the recipient.

An Interac e-Transfer can only be cancelled if the status has changed to ‘Recipient Notified’, then you will have the option to cancel or resend the notice.

  1. Log in to digital banking
  2. Click ‘Transfers & Payments’ (on the app tap the Menu icon, then Transfers) and choose ‘pending INTERAC e-Transfer transactions.’
  3. Find the transfer you wish to cancel and click the ‘cancel’ button
  4. Choose the account in which to deposit the reclaimed funds
  5. Click ‘continue’
  6. Review your information and click ‘confirm’ to cancel the transfer

 

You may also be interested in:

INTERAC e-Transfer® limits are in place to protect you and your financial institution. If you have any questions regarding your limits, please contact the Member Contact Centre at 1-866-825-3301, email (webmail@synergycu.ca), or by Live Chat. We're here to help.

  1. Login to Digital Banking
  2. Select 'Transfers & Payments' from the navigation menu
  3. Select 'Interac e-Transfer'
  4. Click 'Autodeposit settings'
  5. Click 'Add autodeposit'
  6. Enter email address
  7. Select an account from the dropdown
  8. Check off the acknowledgment
  9. Click 'Continue'
  10. Confirm details
  11. Click 'Continue'
  12. Receive one-time pass code (OTP)
  13. Enter the OTP
  14. Click 'Continue'
  15. Confirmation screen appears that is has been successfully added.
  16. Receive notification from Interac to complete registration

Looking for more information on INTERAC e-Transfer?

Dive deeper into all things INTERAC e-Transfer

Transfers

Transferring money to another Synergy member is fast and easy – all you need is their account number. Then:

  1. Log in to digital banking on desktop/tablet or app.
  2. Select ‘Transfers & Payments’ (on app open the menu and then select ‘Transfers’).
  3. Select ‘Transfer funds.’
  4. Select the account you wish to transfer funds from.
  5. Under ‘Transfer to’ select ‘Another Synergy Member.’
  6. Enter the Member’s Account number (must be obtained from the member you wish to transfer funds to. Synergy will not provide this information to you.)
  7. Select ‘Continue’
  8. Select ‘Continue’ when asked to confirm.
  9. Select either e-mail or text to receive a one-time pass code.
  10. An authentication code will then be sent to you by email or text message and simply enter the received code into enter code field and click ‘Continue’.

Transfers to other members can also be set up as scheduled and recurring.

You might also be interested in:

Compliance with CRA’s payroll regulations, especially around tax and other deductions, vacation pay, etc. can be time consuming for business owners. CAFT makes the process seamless, allowing you to put your focus on building your business and helping your team while still meeting government requirements.

You can use CAFT to:
  • move money electronically between Canadian financial institution
  • make direct deposit payments for payroll
  • pay your payables and collect your receivables

Contact us to get started or if you have additional questions.

Wires can be sent within Canada, the USA, and to more than 100 countries around the world in more than 91 different currencies. We encourage you to call the Member Contact Centre (1-866-825-3301) or stop by your nearest branch and Synergy’s team will be happy to assist.


Payments

The ability to add Canada Revenue Agency as a payee is not available for members to complete on their own. We encourage you to call the Member Contact Centre at 1-866-825-3301 or stop by your nearest branch and Synergy’s team will be happy to assist.

 

You may be interested in:

If you had any scheduled or recurring CRA payments set up in the previous system, you will need to set these up again. These did not transfer to the new digital banking system.

Making an extra principal only payment on a loan is simple with our new digital banking platform.

  • Log in to Digital banking on desktop or app
  • Select ‘Transfers & Payments’ (on app tap the menu icon, then ‘Transfers’).
  • Select ‘Transfer funds.’
  • Choose the account you want to transfer the funds from.
  • Choose the amount.
  • Select the loan you wish to make a payment on from the drop-down menu under ‘Transfer to.’
You can also set up recurring payments or schedule future payments.

You can also call the Member Contact Centre at 1-866-825-3301 or stop by your nearest branch and Synergy’s team will be happy to assist.


You may also be interested in:

To advance funds from your Synergy Quick Loan, we encourage you to call the Member Contact Centre at 1-866-825-3301 or stop by your nearest branch and Synergy’s team will be happy to assist.

 

You may also be interested in:

To find the payout amount of your loan or get a loan payout letter emailed to you, we encourage you to call the Member Contact Centre at 1-866-825-3301 or stop by your nearest branch and Synergy’s team will be happy to assist.

 

You may also be interested in:


  1. Log into Digital banking on desktop/tablet or the app
  2. Go to ‘Transfers & Payments’ (on the app tap the menu icon and then ‘Payments’).
  3. Select ‘Manage Payees.’
  4. Click or tap ‘Add payee.’
  5. In the ‘Search for payee by name’ box, type the first 3 characters of the payee name.
  6. A list of possible payees will be displayed. Select the applicable payee.
  7. Enter the payee account number and click or tap ‘Continue’.
  8. Review your details and confirm by clicking ‘Continue’.
  9. An authentication code will then be sent to you by email or text message and simply enter the received code into enter code field and select ‘Continue’.
  10. You will receive a successful verification message.
  11. Choose ‘Manage Payees’ and verify the added Payee is included in the list.

 

You might also be interested in:

  1. Log onto Digital banking on desktop/tablet or app.
  2. Go to ‘Transfers & Payments (on the app, tap the menu icon and then ‘Payments’).
  3. Select ‘Pay bills.’
  4. Choose the account you want to pay from.
  5. Click ‘Schedule recurring payments.’
  6. From the drop down, select the bill you want to schedule.
  7. Enter the amount, payment frequency, and start and end dates. Click ‘Continue.’
  8. Review details and click ‘Continue.’
Please note: If you had any scheduled or recurring CRA payments set up prior to our new digital banking launch, you will need to set these up again. These did not transfer to the new digital banking system.

You might also be interested in:

  1. Open the app and sign in.
  2. Go to 'Menu' > 'Payments'.
  3. Select 'Pay bills'.
  4. Choose the account you wish to use.
  5. Tap 'Add payment'.
  6. Select the bill payee you want to pay.
  7. Enter the amount and payment dates.
  8. Tap 'Add payment'.
  9. Tap 'Add another payment' for each bill you have to pay.
  10. Tap ‘Continue’.
  11. Confirm payment details and tap 'Continue'.
  12. Successful payment message is received.

Cards

To order a new debit card, we encourage you to call the Member Contact Centre at 1-866-825-3301 or stop by your nearest branch and Synergy’s team will be happy to assist.

 

You might also be interested in:

Synergy Collabria Credit Card
If you suspect your Synergy Collabria credit card has been lost or stolen, please call cardholder support at 1-855-341-4643 or international collect at 1-647-252-9564.

Member Card® Debit Card
For lost/stolen Member Card debit cards, please call toll-free 1-888-277-1043. If you are calling from outside North America, please call 1-905-305-4099.
You can add your credit card provider and account number as a bill payee on digital banking. Once the account has been successfully added to your bill payees, you can make a payment to that account. Payments can take up to 3 business days to process so ensure you make the payment well in advance of the due date.

Alternatively, you can enroll in Automatic Payments through MyCardInfo. Automatic Payments enables monthly balances to be pulled automatically from a chequing or savings account. You can choose to setup payments for the minimum monthly balance, or the full statemented balance.

MyCardInfo is Collabria's online account management tool where you can access account information 24/7. You can register for a MyCardInfo account for free as a Collabria cardholder. With MyCardInfo, you can check current balances, review recent activities, verify the last payment made, make payments, view eStatements and more.



You may also be interested in:


Rewards can be redeemed online through MyCardInfo. Once you are logged onto your MyCardInfo account, you can click the "Check My Rewards" link in the footer.

Small Business

Small business digital banking offers the same features as personal digital banking, with the addition of some powerful features to help you save time and money. Within small business digital banking, you can:

  • Manage your delegates:
    • Create and set up delegates as Initiator or Read-only. Provides delegates with their own login ID and password so they can log in separately. For example, you can select view-only status for your accountant and initiator status for an employee who pays your bills.
    • Add/modify delegate(s) securely and easily within your small business online banking. You can manage this aspect yourself, where you can add, edit or delete delegates (if needs change). You can also temporarily disable delegates' access (when employees are on holidays or on leave). Other signers on the business can also delete your delegates, if required.
    • Unlock your delegates if their account is locked through entering the wrong login information three times. You can also change the delegate's password (PAC).
  • Consolidate accounts so you can see personal and business accounts with just one login.
  • Set up dual signers on business accounts that require two people to approve transactions. (You can have as many signers as the organization requires, but you only need 2 to sign for dual signature).
  • Manage your accounts anytime; anywhere through mobile access with our Banking App and Mobile Web Banking (this option is only available for signers. Delegates can only access small business digital banking through the full website).
  • Pay your federal taxes online to the Canada Revenue Agency.
  • Create a similar transaction (based on previous transactions) to reduce the amount of steps to make the same transaction.
  • Manage your Small Business Alerts. Stay informed when you need to approve transactions or if you have transactions that are about to expire. You can view small business alerts by email or text message anywhere, anytime. (Text messaging rates may apply.) Set up is needed before alerts will be received.
As a signer on the business, we need to authenticate you as an individual. It’s important that your personal information (date of birth, email address and cellphone number) in your file is up to date so we can validate who you are.

You can update your personal information by calling us at 1-866-825-3301.
Yes, your business’ delegates did not carry over to Synergy’s new digital banking. You will be required to re-create access for any of your existing delegates before they can sign in. When you process your delegate set up, it will need to be completed via desktop as this feature is not available to do on the mobile app.

You may also be interested in:
Transactions that another signer or a delegate has initiated and require your approval can be viewed under 'Pending transactions'.
  1. Login to digital banking
  2. Select ‘Business services’
  3. Click ‘Pending transactions’ to view transactions that require approval (created by another signer or a delegate)
  4. Select to approve or decline the transaction
  5. Some transactions may require you to enter a one-time passcode as a security feature. If this is the case, an authentication code will then be sent to you by email or text message and simply enter the received code into enter code field and click ‘Continue’.

Pending transactions expire after 7 days.

Profile consolidation allows you, as a small business member, to add your personal account. This enable you to switch back and forth between your business and personal account.

To set up profile consolidation:

  • Login to digital banking (profile consolidation set up is not available on the app)
  • Select ‘Business services’
  • Click ‘Profile consolidation’
  • Click ‘Add profile’
  • Enter personal profile username
  • Enter personal profile password
  • Click ‘Continue’
  • Review details and click ‘Continue’
  • Personal profile is successfully added

You may also be interested in:

Delegates are people such as an accountant, bookkeeper or employees who can be granted limited access to small business digital banking. Delegates can be created by any one of the authorized signers that have small business digital banking access.

Delegates will have their own login (starts with a 'D') and their own password (PAC). Delegates will be able to see the accounts and associated transactions related to the Login ID the business signer sets up for them.

Delegates can be set up with:

  • Initiator access. Allows delegates to create transactions for the authorized signer(s) to approve without making the delegate an actual signer on the account(s). Delegate can initiate transactions like a bill payment, transfer, or INTERAC e-Transfer. The Initiator delegate can also create a similar transaction from previous transactions or recall a transaction (prior to approval). Initiated transactions require approval by the signer(s) in order to complete the transaction.
  • Read-only access. Allows delegates to view account information, but does not allow them to perform any transactions on the account.
  • Login to digital banking via desktop or tablet (can’t be done on the app just yet)
  • Select ‘Business services’
  • Click ‘Delegate management’
  • Click ‘Add delegate’
  • Enter delegate username (5-35 alphanumeric characters)
  • Enter the name of the delegate
  • Click the radio button to select the access level - initiator or read-only
  • Click the radio button to select how the password will be received (email or mobile number)
  • Enter the email
  • Enter the mobile phone
  • Type in any notes that apply to the delegate
  • Accept express consent
  • Click ‘Continue’
  • Review details and click ‘Continue’
  • An authentication code will then be sent to you by email or text message and simply enter the received code into enter code field and click ‘Continue’
  • Delegate added successfully
  • The delegate will now receive their temporary password via email or text

Notes on Delegates:

  • There is no maximum number of delegates that can be set up
  • Once the username is selected it cannot be changed
  • The username will need to be communicated to the delegate separately
  • Any account signer can add, view, or edit a delegate.
  • Synergy does not have access to your delegates so we are unable to add, edit, delete, lock or reset their password on your behalf.

There are a few simple and easy steps to get your delegates up and running on Small Business Online Banking:

  1. Log in to digital banking via desktop.
  2. Select 'Business services'
  3. Select the 'Add/Modify Delegates' option.
  4. Select the 'Add Delegate' link. The delegate's member number (begins with a capital 'D') is automatically generated and cannot be changed. This is the number your delegate will use to login to Small Business Online Banking.
  5. Enter a temporary password (PAC) for your delegate (it must be 5 to 8 digits and should not begin with a 'zero').
  6. Enter the delegate's first and last name.
  7. Choose if the delegate has Initiator or Read-only status.
  8. Send the delegate their Login ID number and PAC through a secure way (we recommend telling them in person or giving them a call).
  9. Select the Login ID number to share with the delegate.
  10. Your delegate will be prompted to change his/her temporary password when logging in for the first time.
    • The new password is recommended to be 8-30 characters, containing at least:
      • one (1) upper case letter (capital letter)
      • one (1) lower case letter (small letter)
      • one (1) number
You can download your transactions into the format needed for Quickbooks and Quicken by scrolling to the bottom of your account and selecting the 'Export' button. These documents can then be uploaded into Quickbooks or Quicken.
Digital banking has a character limit when it comes to the business name and your business name may be outside the limits. This will not impact any of the information sent with bill payments or what is stored in our banking system.

Personalization

With our new digital banking platform, you have the ability to personalize your digital experience. You can add or change the profile picture on desktop and the app.

To change your profile picture:

  1. Login to digital banking (desktop or app)
  2. From the menu select 'Settings' > 'Profile picture'
  3. Click the camera' icon to add photo*
  4. Select the picture** and click 'Add'
  5. Click 'Save'
The profile picture is added/updated. Profile picture changes will carry over from app to desktop and vice-versa.

To reset your profile picture:

  1. Login to digital banking (desktop or app)
  2. From the menu select 'Settings' > 'Profile picture'
  3. Tap 'Reset' > ‘Yes, reset’
  4. The default image is displayed

*For best results on desktop use a .jpeg or .png image that is 40x40 or 90x90 pixels.

**Using the app, you can edit the circle to crop the image to your preference.

With our new digital banking platform, you have the ability to personalize your digital experience. You can add or change a profile picture or change the background on your app.

To add or change your background picture:

  1. Open the app and sign in
  2. From the menu tap 'Settings' > 'Profile picture'
  3. Under Background options are ‘Take picture’, ‘Add photo’ or ‘Reset’
  • Take picture opens your camera
    1. Take picture and tap OK
    2. Edit your background image and select ‘Save.
  • Add photo opens your gallery*
    1. Select an image from your library and tap ‘Save’

*The picture must be formatted as a .jpeg or .png

To reset your background picture:

    1. Open the app and sign in
    2. From the menu tap 'Settings' > 'Profile picture'
    3. Tap 'Reset" > ‘Yes, reset’
    4. The default image is displayed
    You can edit the name and add a picture to your favourite transactions.
    1. Login to digital banking (desktop or app)
    2. From the menu select ‘Accounts’ > ‘Favourite transactions.’
    3. Click the edit icon
    4. Type the name of the favourite transaction
    5. Click the camera' icon to add photo*
    6. Select the picture** and click 'Add'
    7. Click 'Save'

    You might also be interested in:

    Accounts can be customized by adding a friendly name, selecting the main account, hiding it from selection list and changing the order in which the accounts are displayed.

    To add a nickname:
    1. Login to digital banking
    2. From the menu select 'Accounts' > 'Customize Accounts'
    3. Click the 'pencil' icon
    4. Type in the nickname of the account
    5. Click 'Update'
    To change the main/default account:
    1. Login to digital banking
    2. From the menu select 'Accounts' > 'Customize Accounts'
    3. Click the 'star' icon next to the preferred account
    4. Click 'Save'
    To make an account hidden/visible:
    1. Login to digital banking
    2. From the menu select 'Accounts' > 'Customize Accounts'
    3. Toggle the visibility on or off under visible
    4. Click 'Save'
    To change the display order of the accounts:
    1. Login to digital banking
    2. From the menu select 'Accounts' > 'Customize Accounts'
    3. Click on the icon under Order and drag and drop the account to your preferred order
    4. Click 'Save'

    Security

    Just like any other form of banking, we all play in helping ensure our activity is done safely.

    • Exercise caution when it comes to sending or receiving money.
    • Only send money to people you know and trust, just as you would cash. An INTERAC e-Transfer transaction cannot be reversed once a recipient has deposited the funds.
    • Always use a strong password that cannot easily be guessed or found – and make sure you share it via a safe, and different channel.
    • Better yet: Suggest that your recipient set up INTERAC e-Transfer Auto-deposit for ease and added security.

    Too often in the news we hear stories where the transfer is sent to the wrong email address or intercepted by a fraudster who has hacked an email address and the scammer is able to easily answer the question. Do not ask questions such as:

    • What month is my birthday?
    • What is my daughter’s name?
    • What team do I cheer for?

    For many of us, those answers can be easily answered with a quick search of our social media feed.

    We suggest that you create a unique question and send it to your recipient by another channel, like a text message if you are sending the transfer by email, and ensure it is kept confidential. It might be an extra step, but it is one that can help ensure your money ends up where you intended it.

    This type of transfer is designed to be as secure as possible. You are not sending money by email or text message: Only the notification travels over the Internet to advise the recipient that the transfer has been initiated and to provide instructions on how to deposit the money. Your money is always residing with your financial institution, like Synergy Credit Union, and is transferred through existing payment networks that banks and credit unions have used for years to settle cheques, bank machine deposits and withdrawals. Security measures have been built into the system, including:

    • Encryption technology
    • Confidential user IDs and passwords issued by financial institutions
    • Secure login process
    • A security question and answer to ensure only the intended recipient receives the money
    • 128-bit browser encryption

    Always make sure you have entered the correct mobile phone number each time you wish to send money via INTERAC e-Transfer. There are also other reasons you could get this message:

    • The phone number entered is a land line.
    • You entered a non-Canadian mobile phone number.
    • The recipient has blocked Interac e-Transfer notifications from being sent to his/her mobile phone number.
    • The recipient is encountering technical issues on his/her mobile phone and therefore the message cannot be delivered (e.g., mobile network unavailable)
    • The Mobile Network Operator does not support all text messages

    One-time security codes provide an additional layer of protection that safeguards sensitive information and certain online banking activities. It’s a numeric security code (up to 7 digits) that you will receive via text message to your mobile phone or to your email address when you perform certain activities. The code is time sensitive and only valid for one transaction. Here are some examples of when one-time passcodes are used:

    • Register for digital banking
    • First time you sign into digital banking
    • Add a new bill payee
    • Update your contact information
    • Change or reset your password
    • Transfer funds to other Synergy members
    • Add an Interac e-Transfer® recipient

    ®Trademark of Interac Inc. Used under license.


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