Select a category to quickly navigate through our library of answers.
Commonly Asked Questions
Synergy's branch routing numbers.
Branch | Route/Institution # |
Transit/Branch # |
Denzil | 889 | 00638 |
Kindersley | 889 | 41178 |
Lashburn | 889 | 31328 |
Lloydminster | 889 | 61408 |
Macklin | 889 | 11478 |
Maidstone | 889 | 03038 |
Marsden | 889 | 01438 |
Marshall | 889 | 41558 |
Neilburg | 889 | 21428 |
Paradise Hill | 889 | 41418 |
New Community Saskatoon | 889 | 61838 |
St. Walburg | 889 | 02378 |
Great news, you now have the option to download the void cheque which can be used to provide banking information for payroll, direct deposit, or pre-authorized payment.
To access the feature in online banking, go to:
Menu > Accounts > Cheques > Download void cheque
To access the feature on the Synergy CU mobile app for Android or iPhone, navigate to:
Menu > Activity > Download void cheque
You may also be interested in:
- Mobile Deposit (deposit cheques with the mobile app)
- INTERAC e-Transfer®
- CAFT (Customer Automated Funds Transfer) for business
- On your statements
- Within your digital banking
- On the bottom 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.
Saturday 9:00 am-3:00 pm (Lloydminster Branch Only)
Member Contact Centre hours:
Monday-Friday 8:00am–8:00pm
Saturday-Sunday 9:00am–5:00pm
Did you know that you can access your account 24/7 using digital banking?
With digital banking you can view your account history, make online transfers and bill payments, view eStatements...and more. All from the comfort of your own home.
To learn more about the convenience of banking online, please try our Digital banking demos.
- Term deposit rates
- Tax-free savings account (TFSA) rates
- Registered retirement savings plan (RRSP) rates
- Personal mortgage rates
- View all rates
Instructions for Advancing Funds from Your Quick Loan:
- Log in to online banking or use the app.
- Navigate to ‘Transfers’ and choose ‘Transfer Funds.’
- Select the "Quick Loan" from which you want to advance funds.
- Choose the account to transfer the funds to.
- Input the amount you want to transfer.
- Select the appropriate transfer type (e.g., immediate transfer, scheduled transfer, etc.).
- (Optional) Input a memo to provide additional information about the transfer.
- Choose ‘Continue’ to proceed.
- Review and confirm the transfer details.
- Choose ‘Continue’ again to finalize the transaction.
- Once completed, you will receive a successful verification message.
If you encounter any issues or have questions, feel free to call our Member Contact Centre at 1-866-825-3301 or visit your nearest branch for assistance.
- Log into your digital banking account
- Click on ‘Accounts.’
- Click ‘View eStatements.’
- Select the account that you would like to view.
- Select the year and month of the statement you wish to view.
- Through the online calendar booking
- Live chat with a Synergy representative
- Give us a call at 1-866-825-3301
- Visit us at any branch location
- Login to Digital Banking.
- Click the mail icon to open messages.
- Find the message (you may need to expand your dates using the magnifying glass icon).
- Click on the archive icon to the right of the message.
- Message is successfully archived.
- Login to Digital Banking.
- Click on the mail icon to open messages.
- Click on the archived icon.
- Click on the message to open and view the message.
Getting Started
We are so excited for you to join us. We have a few different options for you to become our newest member:
- Use our contact us online form to get started
- Stop by your nearest branch
- Call 1-866-825-3301 and someone from our Member Contact Centre will be happy to help you.
You may also be interested in:
- Contact us form
- Live chat with a Synergy representative
- Give us a call at 1-866-825-3301
- Visit us at any branch location
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 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.
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.
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.
Synergy’s digital banking now gives you the option to recover your username without having to call our Member Contact Centre.
For online/mobile banking
- Open online banking link
- Click ‘Forgot username or password?’ link
- Click ‘Recover username’
- Select the identification method
- Enter either mobile phone or email address
- Click ‘Continue’
- Enter the one-time passcode that was sent by text or email
- Select the username. For security purposes a portion of the username is masked
- Enter your password
- Click ‘Continue’
- A message containing your username is sent to you email or mobile phone, whichever you chose above
- Click ‘Continue to login’ to sign onto Digital Banking
For the Synergy CU app
- Open app
- Touch ‘Sign in’
- Tap ‘Sign in with a different user’ (if you have previously used the app to sign in), otherwise proceed to step 4
- Touch ‘Forgot username?’
- Select the identification method
- Enter either mobile phone or email address
- Touch ‘Confirm’
- Enter one time passcode sent to your email or mobile phone > Tap ‘Confirm’
- Touch ‘Continue’
- Select the username. For security purposes a portion of the username is masked
- Enter your password
- Tap ‘Continue’
- A message containing your username is sent to you email or mobile phone, whichever you chose above
- Touch ‘Continue to login’ to sign onto the app
If you've forgotten your password, don't worry; you can easily reset it. Follow these steps:
-
Go to the login page of Synergy's online banking platform.
-
Look for the 'Forgot username or password?' link on the login page and click on it.
-
You will be guided through the password reset process. You may need to provide the following information:
- Your username
- The email address or cellphone number associated with your Synergy account
Browser Reminder: After resetting your password, it's essential to ensure that your device or computer's browser does not autofill your old login details. To prevent this, consider clearing your browser cookies and any saved login information.
By following these steps, you can regain access to your account and set a new, secure password. If you encounter any difficulties during the process, don't hesitate to reach out to our call centre at 1-866-825-3301 for further assistance.
You can access the Synergy Credit Union mobile app by searching for 'Synergy CU Mobile App' in the App Store or 'Synergy CU Mobile App' in the Google Play Store.
Alternately, you can access the apps by selecting the appropriate quick link on the footer of this page.
- Go to the login screen and enter your Member Card® debit card number and click ‘Continue.’
- Enter your date of birth and the mobile phone number of email address associated with your account. Click ‘Continue.’
- A popup window may display asking for the code you received by text message or email. Enter the code, if applicable, and click ‘Continue.’
- Enter a new username (username cannot be your debit card number).
- Enter a new password (following the password rules provided).
- Re-enter password for verification.
- Read and acknowledge the direct service agreement and click ‘Continue.
- Confirm details and click 'Create user profile'.
- User profile is successfully created. Click 'Proceed to sign in'.
- You will be redirected to the login screen. Enter your new username and password.
You might also be interested in:
To install the app on your iPad or tablet, follow these steps:
-
For iPad:
- Visit the Apple App Store on your iPad.
- Search for 'Synergy CU Mobile App' in the App Store.
- Once you find it, click "Install" to download and install the app.
- After installation, open the app and sign in.
-
For other tablets:
- Our Android app remains exclusively designed for Android phones. To access online banking on your tablet, simply use your tablet's browser to visit online.synergycu.ca.
The following permissions and activities are required by our mobile app to operate. You may see a prompt to allow access when using those features.
- “Access Camera” permission is used by the app to deposit a cheque via mobile deposit capture, store a custom profile and background picture.
- “Access Location” permission is used by the app to accurately locate the nearest ATM or branch in the “Find Us” feature.
- “Call permission” is used to automatically call the user’s preferred branch by tapping on the phone number in the “Find Us” feature.
- “Read Contacts” permission is used to set up new Interac e-Transfer® contacts and send an Interac e-Transfer. Only the device contact information a user confirms is readable by Interac.
- “Internal Storage” permission is required to view, share and download PDF files from the mobile app to a user’s device. A Synergy CU monthly account statement is an example of a PDF file.
- “App Activities” uses mobile app interaction data for analytics on usage and crash information for the current app version. We also monitor application stability using the crash logs to make ongoing improvements. Data collected on app activities, information and performance is completely anonymous and aggregated – individual users are not identifiable.
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:
- Contact Synergy to set your account up for Mobile Deposit (this is a one time occurrence).
- Open the app on your iPhone or Android smartphone.
- Open the menu options in the top left corner.
- Select ‘Mobile Deposit.’
- Select the account you want to deposit the cheque to
- Enter the amount of the cheque.
- Take a photo of the front and back of the cheque and click ‘Continue.’
- Use good lighting and avoid heavy shadows falling across the cheque
- Use a plain, dark background
- Ensure camera lens is clean and free of fingerprints
- INTERAC e-Transfer®
- ding-free® ATMs
- Mobile payment options (Apple Pay, Google Pay and Samsung Pay)
We recommend using the most recent version of one of the following supported browsers:
- Google Chrome
- Microsoft Edge
- Apple Safari
- Mozilla Firefox
- iPhone/iPad IOS 13
- Android OS 6
Please ensure that your chosen browser and/or operating system on your devices are always kept up to date with the latest security patches and updates. This will help protect your sensitive financial information and ensure a smooth banking experience.
Manage Accounts
Your account number can be located:
- On your statements
- Within your digital banking
- 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.
On desktop/tablet:
- At the login page, click ‘Forgotten password.’
- Select 'Click here to recover your access.’
- Enter your email address or phone number and click ‘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. Click ‘Continue.’
- You will be returned to the login page.
- 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:
- Open the app and login
- Open menu icon
- Tap Settings > Biometric authentication
- Tap on preferred biometric type
- Tap Activation button at the bottom
- Accept terms
- Success message is displayed and preferred biometrics are now active
- You can deactivate your biometrics by following the same steps as above.
- If you uninstall the Synergy CU mobile app, you will need to active your biometrics again once the app has been reinstalled.
- Biometric access only works on the account on which you have activated it. If you are logging in as a different user, you will need to cancel the biometric login and enter the password instead.
- Sign into your Digital Banking account.
- Click on ‘Accounts.’
- Click ‘View eStatements’.
- Select the account that you would like to view.
- Select the year and then the month of the statement you wish to view.
- Sign into the app.
- Tap the Activity icon at the bottom of the screen.
- Tap 'View eStatements'.
- Select the account, then the year, and the month of the statement you wish to view.
For new members, we have a few different options for you:
- Use our contact us online form to get started
- Stop by your nearest branch
- Call 1-866-825-3301 and someone from our Member Contact Centre will be happy to help you.
For existing members:
- Sign in to Digital Banking via desktop or mobile app.
- Choose Accounts and select ‘Open account.’
- Determine type of account you are looking for and select ‘Check the accounts.’
- Choose the account package that meets your needs and select ‘Open Account.’
- Make an initial deposit (optional), select your intended use and click ‘Continue.’
You may also be interested in:
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:
- Login to digital banking on desktop/tablet or the app.
- Navigate My Synergy > Alerts or Menu > Alerts on app
- Click/tap 'Security' or 'Account'.
- Select the notification types.
- Toggle on/off the types of notifications to receive (text message, email, push notifications.
- Click/tap 'Save'.
- Set up alerts interactive demo
- Select 'Transfers & Payments.' (In the Synergy CU mobile app, tap the 'Move Money' icon, and then 'Transfers.')
- Go to 'Transfer Funds.'
- Choose the recipient or account from the dropdown menu.
- Enter the amount and an optional memo.
- Tap 'Continue.'
- Review the details and select 'Continue' again.
- Click the heart icon with a plus [+] symbol.
- Enter a name for your favorite transaction.
- Select 'Add to Favorites.'
To add another favorite transaction, simply follow the same steps mentioned above, but use the desired transaction (e.g., a different recurring bill payment or another INTERAC e-Transfer®).
For more information, check out our interactive demo video on 'Adding a favourite'.
You might also be interested in:
- INTERAC e-Transfer
- Mobile payment options (Google Pay, Samsung Pay, and Apple Pay)
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:
- The answer must be one word.
- The answer must not contain any blank spaces.
- The answer is not case sensitive and letters and/or numbers are accepted.
- The answer cannot contain special characters (i.e., &, $, etc.).
- The answer should be kept strictly confidential between the sender and recipient.
- The security question and/or answer must not be included in the optional message attached to the
- INTERAC e-Transfer transaction.
- Go to ‘Transfers & Payments’ (on the app tap the menu icon then select Transfers) and select ‘Interac e-Transfer.’
- Click ‘Manage contacts.’
- Click ‘Add contact.’
- Enter the name of the person you wish to add.
- Enter email address/mobile phone number.
- Select language preference – defaulted to English.
- Select the notification method using the drop down menu.
- Enter the security question and the answer.
- Re-enter the answer to the security question.
- Click ‘Continue.’
- Confirm the details of the contact added
- Click ‘Continue.’
- Enter the one-time password you received to your mobile phone (text message) or email address.
- Click ‘Continue.’
- Go to ‘Transfers & Payments’ (on the app tap the menu icon then select Transfers) and select ‘Interac e-Transfer.’
- Tap ‘Manage contacts.’
- Tap the plus (+) icon on the top right.
- Tap the person+ icon to open up your contact.
- Select the contact you want to add to your Interac e-Transfer contacts.
- Tap the contact type (mobile phone, email, or both). You will see a green check next to the contact.
- Select the 'Continue' button.
- Select language preference – defaulted to English.
- Select the notification method using the drop down menu.
- Enter the security question and the answer.
- Re-enter the answer to the security question.
- Tap ‘Continue.’
- Confirm the details of the contact added.
- Tap ‘Continue.’
- Enter the one-time password you received to your mobile phone (text message) or email address.
- Select ‘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.
- Go ‘Transfers & Payments’ and click ‘Interac e-Transfer.’
- Click ‘Send money.’
- Select the account you wish to send from.
- Select contact from dropdown menu.
- Create a security question that relates the contact will answer.
- Enter the amount.
- Add optional message.
- Click ‘Continue.’
- Confirm details.
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.
- Click or tap the link in the email or text notification indicating you have received a new INTERAC e-Transfer transaction.
- Skip over 'Find your Financial Institution' as this will not populate Synergy Credit Union.
- Select Province as 'Saskatchewan' first, then credit union as 'Synergy Credit Union.'
- Choose the Synergy Credit Union account into which you wish to deposit the money.
- 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:
- Bypass selecting Synergy/clicking on the logo
- Scroll down to “Select a different financial institution”.
- 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.
- Log in to digital banking
- Click ‘Transfers & Payments’ (on the app tap the Menu icon, then Transfers) and choose ‘pending INTERAC e-Transfer transactions.’
- Find the transfer you wish to cancel and click the ‘cancel’ button
- Choose the account in which to deposit the reclaimed funds
- Click ‘continue’
- Review your information and click ‘confirm’ to cancel the transfer
You may also be interested in:
- Edit your recipient information to include the valid email address.
- Select the Resend Notification from the Pending Transfer screen.
- Click Confirm.
INTERAC e-Transfer® limits are in place to protect you and your financial institution. If you have any questions regarding your limits, you have a couple options to learn more.
- Log in to digital banking.
- Click ‘Transfers & Payments’ (on the app tap the Menu icon, then Transfers) and choose ‘pending INTERAC e-Transfer transactions.’
- Click either Send money or Request money to see limits.
You can also reach our Member Contact Centre at 1-866-825-3301, email us at (webmail@synergycu.ca), or start a live chat by clicking the chat bubble on our website and digital banking. We're here to help.
- Login to Digital Banking
- Select 'Transfers & Payments' from the navigation menu
- Select 'Interac e-Transfer'
- Click 'Autodeposit settings'
- Click 'Add Autodeposit'
- Enter email address
- Select an account from the dropdown
- Check off the acknowledgment
- Click 'Continue'
- Confirm details
- Click 'Continue'
- Receive one-time pass code (OTP)
- Enter the OTP
- Click 'Continue'
- Confirmation screen appears that is has been successfully added
- Receive notification from Interac to complete registration
First, notify the person ahead of time you will be sending the request.
Then:
- Log in to digital banking
- Hover over ‘Transfers & Payments’ from the navigation menu (if using the Synergy CU app navigate Menu > INTERAC e-Transfer > Request money)
- Find INTERAC e-Transfer and click ‘Request money’
- Select a contact
- Enter the amount
- Enter the invoice number (optional)
- Enter the payment due date (optional)
- Enter a message (optional)
- Select the account to deposit the funds to. Your main/favourite account displays as default
- Check that you have obtained consent from your contact
- Click ‘Continue’
- Confirm the transaction details
- Click ‘Confirm’
- Enter One Time Passcode (OTP) sent to your phone or email (which ever you choose the OTP to be sent to)
- Click ‘continue’
- Request money success message is displayed
We are excited to introduce auto reclaim to INTERAC e-Transfer transactions. If a receiver doesn’t deposit funds from an INTERAC e-Transfer, the funds will automatically be deposited back into your account. This can happen when:
- The receiver declines the INTERAC e-Transfer
- The receiver exceeds the number of attempts permitted to answer your question
- The Autodeposit fails.
- The recipient declined the transfer.
- The 30-day time period for the recipient to claim the transfer has expired.
- The email address you entered for your recipient is invalid.
- The recipient was unable to answer the security question.
- Once the sender receives this notification, they can follow the links in the message to cancel and re-deposit the funds. Service charges are non-refundable.
- Exceeds sending or receiving limits - per transaction, per day, per week (rolling total) or per month (rolling total).
- The account you are attempting to send from or deposit to is restricted from use with this feature.
- The communication between online banking and your credit union’s banking system has timed out.
- The contact information for your recipient or your profile may not be set up correctly.
- INTERAC e-Transfer contact:
- Check the contact details for your recipient.
- Ensure the notification method matches the contact type you have entered. For example, if you have the email, ensure the notification method is also email; mobile phone is mobile phone for the notification; and if both then the notification method shows both email and mobile phone.
- Try sending the e-Transfer again.
To illustrate, here are steps using email only: When logged into digital banking, navigate to Interac e-Transfer > Manage contacts > Edit contact > delete cell number > change notification method to email only > save changes.
- Check the contact details for your recipient.
- INTERAC e-Transfer profile:
- Ensure the notification method matches the contact type you have entered. For example, if you have the email, ensure the notification method is also email; mobile phone is mobile phone for the notification; and if both then the notification method shows both email and mobile phone.
- Try accepting the e-Transfer again.
- Ensure the notification method matches the contact type you have entered. For example, if you have the email, ensure the notification method is also email; mobile phone is mobile phone for the notification; and if both then the notification method shows both email and mobile phone.
- INTERAC e-Transfer contact:
- For assistance with any of these issues, please contact us at 1-866-825-3301 and we would be happy to help you.
- Use the search option on the top right corner, type 'Synergy Credit Union' and complete the transfer.
- Open a new webpage, or refresh the cache and browsing data and look for the Saskatchewan on the drop-down list.
- Accept the e-Transfer through our mobile app.
Looking for more information on INTERAC e-Transfer?
Transfers
Transferring money to another Synergy member is fast and easy – all you need is their account number. Then:
- Log in to digital banking on desktop/tablet or app.
- Select ‘Transfers & Payments’ (on app open the menu and then select ‘Transfers’).
- Select ‘Transfer funds.’
- Select the account you wish to transfer funds from.
- Under ‘Transfer to’ select ‘Another Synergy Member.’
- 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.)
- Select ‘Continue’
- Select ‘Continue’ when asked to confirm.
- Select either e-mail or text to receive a one-time pass code.
- 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:
- move money electronically between Canadian financial institution.
- make direct deposit payments for payroll.
- pay your payables and collect your receivables.
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. Once the set up is completed by our team, you will be able to make the payments through online banking or the mobile app.
You may be interested in:
Making an extra principal only payment on a loan or mortgage account is simple with digital banking.
- 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.
- Enter the amount.
- Select the loan account you wish to make a payment on from the drop-down menu under ‘Transfer to.’
- Log in to Synergy’s digital banking on desktop or the app
- Navigate to ‘Transfers’ and choose ‘Transfer Funds’
- Select the "Quick Loan" to advance from
- Select the account to transfer to
- Input the amount
- Choose a transfer type
- Input a memo (optional)
- Choose ‘Continue’
- Confirm transfer details
- Choose ‘Continue’
- You will receive a successful verification message
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:
- Log into Digital banking on desktop/tablet or the app
- Go to ‘Transfers & Payments’ (on the app tap the menu icon and then ‘Payments’).
- Select ‘Manage Payees.’
- Click or tap ‘Add payee.’
- In the ‘Search for payee by name’ box, type the first 3 characters of the payee name.
- A list of possible payees will be displayed. Select the applicable payee.
- Enter the payee account number and click or tap ‘Continue’.
- Review your details and confirm by clicking ‘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 select ‘Continue’.
- You will receive a successful verification message.
- Choose ‘Manage Payees’ and verify the added Payee is included in the list.
You might also be interested in:
- INTERAC e-Transfer®
- Mobile payment options (Google Pay, Samsung Pay and Apple Pay)
- Log onto Digital banking on desktop/tablet or app.
- Go to ‘Transfers & Payments (on the app, tap the menu icon and then ‘Payments’).
- Select ‘Pay bills.’
- Choose the account you want to pay from.
- Click ‘Schedule recurring payments.’
- From the drop down, select the bill you want to schedule.
- Enter the amount, payment frequency, and start and end dates. Click ‘Continue.’
- Review details and click ‘Continue.’
You might also be interested in:
- Setting up a recurring payment demo
- INTERAC e-Transfer®
- Mobile payment options (Google Pay, Samsung Pay and Apple Pay)
- Open the app and sign in.
- Go to 'Menu' > 'Payments'.
- Select 'Pay bills'.
- Choose the account you wish to use.
- Tap 'Add payment'.
- Select the bill payee you want to pay.
- Enter the amount and payment dates.
- Tap 'Add payment'.
- Tap 'Add another payment' for each bill you have to pay.
- Tap ‘Continue’.
- Confirm payment details and tap 'Continue'.
- 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:
You may also be interested in:
We have been made aware of an issue when attempting to add your debit card to Google Pay. Error* code OR-TAPSH-08 appears and you are unable to successfully add your card.
How to report OR-TAPSH-08 to Google Pay Help Centre
- Go to the Google Pay Help Centre - https://support.google.com/pay/gethelp
- Proceed through the steps required to report an issue. In Step 1, indicate OR-TAPSH-08 in the “What can we help you with?” question.
- Select Add payment method to proceed to the Next Step.
- Step 2 displays a selection of resources to allow further troubleshooting. These resources will not result in resolution, so please click Next Step.
- In Step 3, you will indicate OR-TAPSH-08 as the error message, ensure your email address is supplied for contact. In point 3, please type, “Attempting to add debit card to Google Pay. Receive OR-TAPSH-08 error after entering card information and accepting Google’s Terms and Conditions” - and select Next Step.
- You will be presented with contact options to reach Google. Please choose the method most convenient to you to log a ticket and receive a Case ID. (We have received feed back that both email and Chat have been successful).
- When the issue is resolved, you will receive an email message from Google. At that time, you will be able to proceed with adding your card to Google Pay. (NOTE: This is a timed action – you will have 48 hours add the card to Google Pay after you receive the email.)
*This error is not a function of issues at the credit union or our providers. It is driven by Google. Google has request that impacted device holders reach out to Google Support for resolution. Resolution may take several days following the issue being reported.
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.
You might be interested in the following how-to video:
- Set Up Delegates demo.
- Login to digital banking
- Select ‘Business services’
- Click ‘Pending transactions’ to view transactions that require approval (created by another signer or a delegate)
- Select to approve or decline the transaction
- 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
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:
- Log in to digital banking via desktop.
- Select 'Business services'
- Select the 'Add/Modify Delegates' option.
- 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.
- Enter a temporary password (PAC) for your delegate (it must be 5 to 8 digits and should not begin with a 'zero').
- Enter the delegate's first and last name.
- Choose if the delegate has Initiator or Read-only status.
- Send the delegate their Login ID number and PAC through a secure way (we recommend telling them in person or giving them a call).
- Select the Login ID number to share with the delegate.
- 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
- The new password is recommended to be 8-30 characters, containing at least:
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:
- Login to digital banking (desktop or app)
- From the menu select 'Settings' > 'Profile picture'
- Click the camera' icon to add photo*
- Select the picture** and click 'Add'
- Click 'Save'
To reset your profile picture:
- Login to digital banking (desktop or app)
- From the menu select 'Settings' > 'Profile picture'
- Tap 'Reset' > ‘Yes, reset’
- 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:
- Open the app and sign in
- From the menu tap 'Settings' > 'Profile picture'
- Under Background options are ‘Take picture’, ‘Add photo’ or ‘Reset’
- Take picture opens your camera
- Take picture and tap OK
- Edit your background image and select ‘Save.
- Add photo opens your gallery*
- Select an image from your library and tap ‘Save’
*The picture must be formatted as a .jpeg or .png
To reset your background picture:
- Open the app and sign in
- From the menu tap 'Settings' > 'Profile picture'
- Tap 'Reset" > ‘Yes, reset’
- The default image is displayed
- Login to digital banking (desktop or app)
- From the menu select ‘Accounts’ > ‘Favourite transactions.’
- Click the edit icon
- Type the name of the favourite transaction
- Click the camera' icon to add photo*
- Select the picture** and click 'Add'
- Click 'Save'
You might also be interested in:
- INTERAC e-Transfer
- Mobile payment options (Google Pay, Samsung Pay and Apple Pay)
- Login to digital banking
- From the menu select 'Accounts' > 'Customize Accounts'
- Click the 'pencil' icon
- Type in the nickname of the account
- Click 'Update'
- Login to digital banking
- From the menu select 'Accounts' > 'Customize Accounts'
- Click the 'star' icon next to the preferred account
- Click 'Save'
- Login to digital banking
- From the menu select 'Accounts' > 'Customize Accounts'
- Toggle the visibility on or off under visible
- Click 'Save'
- Login to digital banking
- From the menu select 'Accounts' > 'Customize Accounts'
- Click on the icon under Order and drag and drop the account to your preferred order
- 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