Banking System Conversion


Thank you to our members and employees for getting us through a successful conversion!

Need online banking assistance? Call our technical support line at 1.855.801.5770 or send us an email at info@northsave.com

Review Our
Post-Conversion Checklists

Our Post-Conversion Checklists will help you set up your online banking on or after November 22.

Check Out Our How-To Videos

Our Banking System Conversion videos will provide you with tips on how to prepare before and after the conversion. Please ensure to watch the videos that apply to you!

e-Statement Notification

Members who receive e-Statements and have a valid email on file with us, will now receive an email notification from unsubscribeestmt@northsave.com when your e-Statement is ready for review.

If you have any concerns about the legitimacy of the message, please do not use the embedded links and use instead the official Northern Savings Credit Union website at www.northsave.com to access your e-Statement.

If you do not wish to receive these notifications, simply select "unsubscribe" at the bottom of the message or email us at info@northsave.com.

What Hasn't Changed

Most of our system changes happened behind the scenes, which means a lot of your banking has remained the same.

Account Nicknames Expand/Collapse

To ensure you can easily identify your accounts after the upgrade, we recommend that you rename them using a nickname that is meaningful to you, such as “Vacation Fund”. You can do this by going to “My Accounts” and clicking “Rename an Account.” We recommend doing this for accounts you are joint on as well – such as a child’s account.

Debit & Credit Cards Expand/Collapse

Your existing Northern Savings Debit Card(s) and Collabria Credit Card(s) will continue to work as they do today. In fact, after our conversion, you will use the PAN on the front of your Northern Savings Member Card Debit Card to login to online banking.

Pre-Authorized Payments & Direct Deposit Expand/Collapse

Your pre-authorized payments and any direct deposits (such as pension, Old Age Security, and payroll) you have set up will continue to be processed as they are today.

Bill Payees Expand/Collapse

Any bill payees you have set up today will be transferred to the new system. If you have a joint account, bill payees will be transferred to the primary owner on the account. If a joint owner requires the bill vendors on their account, they will need to add these through online banking or by one of our team members after conversion weekend. Send us an email at info@northsave.com and we can help you out.

Cheques Expand/Collapse

Any existing cheques you have will continue to work after the conversion takes place.

What Has Changed

There will be some changes with your online banking experience including:

Login to Online Banking Expand/Collapse

When you first login to online banking (on or after November 22), there will be some things that look different. You will need to use your Member Card debit card PAN number (the 19-digit number on the front of your card) rather than your member number and branch to login.

If you don’t have a Member Card debit card and currently have access to online banking, you will receive a Secure Login ID number in the mail, which you will use to login to your accounts through online banking.

Your Personal Access Code (PAC) will also be changing. We will be mailing you a temporary PAC, if you did not receive your temporary PAC, please email us at info@northsave.com and we can assist you.

Account Activity History Expand/Collapse

When selecting “Account Activity” you will notice that there are no transactions in your history, don’t be alarmed! Our new system is not transferring previous transactional history to online/mobile banking, be assured that you can view historical transactions by accessing your e-Statements, found under the following path > My Accounts > View e-Statements.

If you require a printed statement, reach out to your branch and we can print one off for you or send us an email at info@northsave.com



Account Summary View Expand/Collapse

When you launch your “Account Summary” page you may notice both your single-owned accounts and joint accounts now appear in one view. If you prefer not to have all these accounts in one view, please reach out to us by email at: info@northsave.com and we will update your view.

Interac e-Transfers Expand/Collapse

Recipient List – Your e-Transfer recipient list won’t carry forward with the upgrade. Ensure you can easily recreate it, please note down or screenshot each recipient’s email address, mobile number and the security question you use with them.

Autodeposit - In advance of our banking system conversion, you must deregister from Autodeposit. If you do not deregister, there will be issues with receiving e-Transfers after the conversion. After the upgrade, you'll need to reset your Autodeposit information in order to continue to receive e-Transfers without answering security questions.

Alerts Expand/Collapse

After conversion you will need to reset your security Alerts. To do this go to: Messages and Alerts > Manage Alerts and then set up the Alerts you wish to add.

Statements Expand/Collapse

We will be switching statement providers after the conversion takes place. We hope you will appreciate the new look and feel of our statements. The statements are easy to read, modern, and will include all your accounts - both single and jointly owned.

For November, you will see a final statement which will include transactions from November 1 - November 19. Following that, you will receive a second statement which will include transactions that occur once the conversion is live until November 30 (these will be the new statements). You can expect both of these statements to arrive (either by mail or through online banking for e-Statements, the first or second week of December).

Additionally, those who are signed up for e-Statements, will now receive an email letting you know your online statement is ready for review!

FAQs

Here are a few common questions we have been asked by our members. If you have a question that isn't listed, please reach out to us at info@northsave.com, we're here to help!

Why are you making these changes and why now? Expand/Collapse

We know it's an inconvenience to go through these changes; however, our new system will allow us to provide better service and keep your information even more secure.

We chose a system that provides us with a great platform to continue to build on and provide you with the new features you expect now and in the future.

Will there be any changes to service fees or account packages? Expand/Collapse

Effective November 19, 2021, there will be some minor changes to some of our service fees and account packages. Please check out the changes here >

My mortgage, property taxes, etc. come out automatically. Is this all going to be lost? Expand/Collapse

You can expect to have no changes to your automatic payments.  Everything you have set up will convert and continue to be debited from your accounts.

Why is my loan/mortgage payment showing as $0 in online banking? Expand/Collapse

Our new system will show a payment three days prior to the payment due date, until then, the payment amount will appear as $0.

Why is my Share account showing a $0 balance? Expand/Collapse

Each member will now have their own unique Share account. If you notice that your Share has a zero dollar balance, it is likely because you are a joint account holder and Shares were previously held jointly. We will contact you in the near future about adding your Share requirement.

Do I have to do anything about my payroll, Canada Pension and OAS that are deposited automatically every month? Expand/Collapse

There will be no changes to your direct deposits, including pensions and payrolls.  All automatic direct deposits will continue to be deposited to your accounts as they are today.

Why are you moving to Member Card (debit card) PAN login? Expand/Collapse

We understand that this change is an inconvenience, however, moving from member number to PAN login, provides each member with a unique way to access their accounts, which delivers an extra layer of security.

PAN login is not unique to Northern Savings, in fact most financial institutions have implemented login using debit card. 

We hope you enjoy the benefits that come with PAN login such as being able to see all your single and joint owned accounts in one view.

What if I have multiple Member Cards, which one do I use to log in to online banking? Expand/Collapse

If you have more than one personal Northern Savings Member Card (debit card), any of your cards should work to log in to online banking. However, if you use different cards to login, you will need to set up Increased Authentication (your three security questions and answers) for each card.

If you have a business Member Card, you will use that card to access your business account.

Is there a way I can memorize my Member Card on online banking so I don't need to input it each time I access online/mobile banking? Expand/Collapse

Yes! You can choose to memorize your account on online banking, or on our app, this will allow you to only input your Access Code when accessing online banking in the future.

You simply need to check the "Memorize Account" button at the bottom of the login box.

How do I find historical transactions and cheque images after the Conversion? Expand/Collapse

Your historical transactions, including cheque images can be found in your e-Statements found on our full online banking site.

Are there any services that won't be available after conversion? Expand/Collapse

Text banking, ePost, and USD Me-to-Me transfers will no longer be offered after the conversion. It has been determined that these services are either not being used at all, or being used by a very small percentage of our membership, with usage continuing to decline over the years. Learn more >

Are there any new services that will be available after conversion? Expand/Collapse

Yes! We have added the ability to delete same day bill payments made through online banking, as well as the ability to perform online transfers between your Canadian and US dollar accounts.

Are there changes to loan/mortgage payments? Expand/Collapse

Loan and mortgage payments are now debited out of your account in the early morning. If funds are not available, our system will attempt to take the payment later in the day.

MemberDirect Small Business

In addition to the changes noted above for Online Banking, MemberDirect Small Business (MDSB) users will need to reset delegates and consolidate accounts (if applicable).

To do this log in to online banking and navigate to Business Services on the left hand side, select “Manage Consolidated Accounts” or “Add/Modify Delegates”.

MemberDirect Small Business FAQs

Will my scheduled CRA Payments continue to be made? Expand/Collapse

Please cancel any future-dated CRA business tax payments prior to November 19. You will need to reset these post conversion.