Skip to main content

Ways to Bank

Freely manage your money wherever, whenever - securely and conveniently.

Explore our banking tools

Select Icon

Online Banking

Manage your finances with ease 24/7 at home, work or while you’re out. With many extra features, it's also an important source of info for you.
What you can do
  • View account balances
  • Pay bills
  • Transfer funds – immediately or future dated
  • Send & receive Interac e-Transfer® transactions
  • View & download e-Statements
  • View cleared cheques
  • Change your address
  • Set up mobile text banking & alerts 
  • Create or cancel stop payments
and more!

Not signed up?
All you need to start banking online is a Personal Access Code (PAC). To get yours, simply stop by your local branch.
Select Icon

Mobile App

Everyday banking where and when it suits you. All you need is your mobile device.

What you can do
  • Check account balances
  • Transfer funds between Northern Savings accounts
  • Send & receive Interac e-Transfer® transactions
  • Pay bills and manage bill vendors
  • Deposit cheques with Deposit Anywhere
  • Find your nearest surcharge-free ATM
  • Set up “Quick View” to see account balances without logging in
and more!

Features & benefits
  • Same login details as online banking
  • Compatible with Apple & Android devices
  • Intuitive, user-friendly navigation
  • Benefits from industry-standard security
Select Icon


Access your monthly statements for free anytime, 24/7 via your secure online banking.
Features & benefits
  • Securely stored and accessible using your personal access code
  • Can be retrieved anytime, anywhere, by logging into online banking
  • e-Statements look identical to paper statements
  • Conveniently available online for up to two years
  • Reduces paper and envelopes
How it works
To view your e-Statements, simply:
  • Sign into online banking
  • Under “My Accounts”, click “View e-Statements”
Not yet signed up for online banking?
All you need to start banking online is a Personal Access Code (PAC). To get yours, simply stop by your local branch.
Select Icon

Me-to-Me Transfer

Send and receive funds between your own accounts at Northern Savings Credit Union and other Canadian financial institutions.
Features & benefits
  • Set-up transfers: daily, weekly, monthly or annually
  • Transfer Canadian funds
  • $1,000 per transaction
  • Multiple transactions can be done daily
How to register:

Before you can start to transfer between accounts, you will need to fill out the Me-To-Me transfer form:
  • Follow the instructions on the form, providing account information, a personalized cheque from your other financial institution and your authorization
  • Mail or drop-off your signed authorization form and personal void cheque to your branch
  • We will verify the proof of account and set up the link to your external account
  • Once the Me-to-Me link is established you will be able to "transfer to” and “transfer from” your external account in the Transfer Funds page found in online banking
Select Icon

Deposit AnywhereTM

Quickly and securely deposit Canadian cheques anytime, using your smartphone or tablet.

Features & benefits
  • No fees
  • Instant deposits (though standard holds apply)
  • Benefits from industry-standard security
How it works
On your mobile device, simply:
  1. Open & log into the Northern Savings App
  2. Select “Deposit”
  3. Snap a photo of the front and back of your cheque
  4. Confirm the cheque details & tap “Submit”
Mobile deposit tips
  • Be sure to use the original cheque, not a photo, photocopy, or PDF
  • Look out for red flags indicating a cheque might not be valid, such as spelling errors, out of country banks etc.
  • If you’re unsure if a cheque is legitimate, bring the cheque to your branch
Select Icon


Monitor your online banking activity for added security, with alerts to your phone or email.
Alert types
There are a number of alerts available to help safeguard your account:
  • Personal Access Code (PAC) Change – notifies you if your PAC has been changed.
  • Online Banking Locked – notifies you if online banking access has been locked due to too many failed login attempts.
  • New Bill Payment Vendor Added – notifies you if a new bill payment vendor account is added to your online banking.
  • Interac e-Transfer Recipient Added – notifies you if a new Interac e-Transfer recipient is added to your online banking.
  • Enhanced Personal Message (EPM) – notifies you if you’ve received a message from Northern Savings via online banking.
How it works
To set up alerts, simply:
  1. Sign in to online banking
  2. Select "Messages and Alerts" on the left hand menu
  3. Select "Manage Alerts"
  4. Choose an alert and click "Add"
  5. Select the method you'd like to be notified by and press "Submit"

You can unsubscribe from an alert or change it at any time through online banking.

Not signed up for online banking?
All you need to start banking online is a Personal Access Code (PAC). To get yours, simply stop by your local branch.

Explore our payment tools

Select Icon

Interac e-Transfer®

Send and receive money from one Canadian bank account to another, using your mobile app or online banking.
How it works
To send an Interac e-Transfer:
  1. Log into your online banking
  2. Create a profile with your email address and/or mobile phone number, if you haven’t already done so
  3. Select 'Send Interac e-Transfer' under 'Transfers'
  4. Select a recipient, or add a new recipient profile by entering the person's name or business name, plus an email address and/or mobile number
  5. Choose if the recipient will receive a notification by email and/or text message
  6. Create a security question and answer that only you and the recipient know
  7. Add an optional personal message but don't include the answer to the security question
  8. Select an account from which to make the transfer and enter the amount
  9. Send the Interac e-Transfer (your account will be debited the transfer amount immediately, plus any applicable fees)
To receive an Interac e-Transfer:
  1. Ensure the link received via email or text message is secure (the URL should start with 'https', not 'http')
  2. Click on the link and you'll be taken to a secure Interac website
  3. Follow the instructions on the site to select Northern Savings Credit Union and click 'Deposit', and you'll be redirected to our online banking login screen
  4. Log in to answer the security question and accept the transfer
  5. Select the account you wish to deposit the money into
Transaction limits*
  • Per transaction: $3,000
  • Daily: $10,000
  • Weekly: $10,000
  • Monthly: $20,000
*For personal accounts.

Mobile Wallet

Load your Northern Savings Member Card or credit card on your mobile device and start using it for everyday purchases or online.
How it works
  1. Open/download the Apple Wallet, Google Wallet or Samsung Pay app, which is either already installed on your phone or available in the app store.
  2. Follow the instructions specific to your device to add your Northern Savings Member Card and credit cards.
  3. When you're making a purchase at a store that offers mobile payments, launch your preferred app, choose your card and hold your phone to the reader to complete payment. 

Member Card®

Pay for purchases directly from your accounts or access cash at over 43,000 surcharge-free North American ATMs.
What you can do
  • Withdrawals
  • Deposits (at Northern Savings' ATMs and other Canadian credit union ATMs)
  • Transfers
  • Balance inquiries
  • PIN changes (at Northern Savings' ATMs and most other Canadian credit union ATMs)
  • In-store purchases
Find an ATM
With your Member Card, you can use ATMs on THE EXCHANGE® Network in Canada and Allpoint Network in the US surcharge free.

Find the nearest ATM

Lost or stolen debit card?

Need help setting up one of our tools?

Don’t hesitate to reach out. We’re just a call, email, or quick branch visit away when you need us.
Select Image

Keep your accounts extra cyber safe

Our digital banking has powerful security in place, but there’s also steps you can take to keep your business finances safe online.
Running a business is a lot of work. Sometimes it can seem more efficient to let one of your team take your debit card to purchase supplies or use your online banking details to make a transaction.

But, even if it’s someone you trust completely, sharing your password or PIN puts your accounts at risk, as they may not be as cautious as you are with these credentials.
Public Wi-Fi doesn’t always have the security and encryption to protect your data. This means you can’t be sure who might see what you’re doing online.

As a result, it’s best to log into your digital banking from the security of your private home network. If you’re out and about, use your cellular data plan or a Virtual Private Network (VPN) instead of Wi-Fi.
It’s important to set a unique, hard to guess password for your digital banking. That way if a password for another website is exposed, your banking will still be secure.

Here are some tips for creating a strong password:
  • Use a mix of lowercase and uppercase letters, numbers, and symbols
  • Never use personal details, like birthdates and children’s names, or common words, like “password”
  • Use a string of words to create a complex phrase that’s at least 8 characters long



The digital landscape is constantly evolving, which is why providers release periodic security patches to address new changes, risks, and vulnerabilities.

So, to keep your systems secure, make sure you update your browsers, devices, and anti-virus software when these patches come out.

Send or receive money in a variety of currencies

It's easier than ever to send money anywhere in the world — securely, reliably, and swiftly.

Neighbours Helping Neighbours.

Select Icon
See contact options
Select Icon
Fill out contact form
Select Icon
Find a branch