cusuccess.accesscu.ca/carpathia

As we complete our operational alignment between Casera Credit Union, Carpathia Credit Union, and Access Credit Union, we are excited to inform our members that our database integration will take place over the weekend of June 7 - 10, 2024.

A weekend integration is scheduled to reduce the impact on members’ day-to-day transactions. We’re working hard to minimize inconvenience to our members. However, there will be some impacts to you during integration weekend.

Prepare for the new Access digital experience Monday, June 10, 2024

With this integration, we will be upgrading your digital experience to a new platform.

Are you an Ideal Savings member? Click here

Please see below for important information regarding how to prepare for and key dates to keep in mind.

Service disruptions:

How can you prepare for the integration weekend?

Interac e-Transfers® will be impacted starting Monday, June 3.

Please review the outage schedule below to prepare for this service interruption. Full access to Interac e-Transfers will be restored once you have onboarded to the new online banking experience, on or after Monday, June 10, 2024.

Before Monday, June 3:

Send Money:

Send any planned e-Transfers.
Advise your recipients to accept any pending e-Transfers.
Cancel any pending e-Transfers that have not been accepted by your recipients.

Before Wednesday, June 5:

Recipient List & History:

Take note of e-Transfer history and recipient list, including email/phone numbers. These features will not carry forward to the new online banking experience.

Accept Money:

Check email and text notifications and action pending e-Transfers accordingly.

Request Money:

Fulfill any Request Money® transactions.

ATM & POS Transactions

ATM and POS transactions will be limited. Please take out cash or use credit cards during the integration weekend. If you are withdrawing cash, please do so before Friday, June 7 (or be prepared to use an alternative method of payment for purchases June 7-10).

Online & Mobile Banking

Online, mobile, and telephone banking will be unavailable during integration activities. Please complete any urgent transactions before
5:00 p.m. CDT on Friday, June 7.

Member Services

Branches and our Member Solutions Centre will be closed from Friday, June 7 at 5:00 p.m. until Monday, June 10 at 8:30 a.m. Please complete any urgent transactions early in the day on Friday, June 7 to avoid delays.

Other features that require action:

Me2Me Transfers

Complete any Me2Me transfers before Wednesday, June 5.
The Me2Me function is not available on the new online banking experience.
Recurring transactions set up prior to merge will continue. Existing external account information will be retained.

Transfer Frequencies

For members who currently use semi-annual or semi-monthly transfer frequencies, these transfer dates/details will be missing in online banking; however the transactions will continue to process.

Business member impacts

Pending two-signor transactions will not carry over after integration weekend. Please action these transactions prior to June 7, 2024.
Corporate Capture will not work over integration weekend.
Delegate(s) logins will need to be set up after integration.
CRA future dated payments will not carry over after integration weekend. Please delete any CRA payments due after June 7, 2024.
Business CRA bill payees and payments will not carry over after integration weekend. Please make note of your CRA bill payee details before June 7, 2024.

What you need to know (and do) after integration weekend

What will not change after integration?

Account Nicknames named prior to conversion will carry the nickname forward into the new system.
Existing ATM/Debit Cards will remain active and valid. PINs will remain the same.
Automatic Transfers such as pre-authorized payment and direct deposits, will carry over to the new system. This includes bill payments, payroll deposits (excludes CRA Payments), and automatic loan payments.
Bill payees (excluding business CRA) and future dated bill payments (excluding personal & business CRA) set up prior to June 7th.
Cheques will continue to clear as expected.
Stop Payments put in place prior to conversion will remain after conversion weekend.

What do members need to know and/or do after integration?

After integration weekend, Carpathia members will sign into online banking from the accesscu.ca website or download the Access CU mobile app.

Onboarding

After integration, Carpathia members can onboard via the Access CU mobile app or via the accesscu.ca website: 

Go to accesscu.ca and click 'Sign In' or download the mobile app.

Onboard to Access’ online banking using your Carpathia debit card or the online banking temporary login code mailed to you in May 2024.*
*Only members without a debit card and active online banking will receive this temporary login.

To verify identity, enter date of birth and mobile phone number or email address that we have on file. You will receive a verification code on your phone or email. Enter the code.

Note: Business members will use their personal cell phone or email address for verification when onboarding.  

Choose a username and password.

You will need to validate against date of birth and cell/email on file and will be prompted to create a strong password (PAC) after One Time Passcode (OTP) validation*.

**NEW USERNAME REQUIREMENTS:**
Alphanumeric: Can include: Upper case, lower case, numbers, and certain special characters (dash -, underscore _)
Between 4 and 35 characters
Cannot use the debit card number
Cannot use an email address
Must be unique (does not already exist for another user)
Cannot contain profanity

Remember - You cannot change your username once selected!

**STRONG PAC REQUIRES:**
10 to 34 characters One Upper One Lower One number
*Select your area code in the first box, and then enter the rest of the 10 digits in the next box. If you add +1 XXX XXX XXXX in the cell box, you will get an invalid phone number error and not receive your One Time Passcode (OTP).

Click 'Create User Profile' to finish.

The next time you login, simply use the username and password created. 

You can set up biometrics once you have logged in for the first time.

Please visit accesscu.ca/digital for tutorials, tips and tricks, and a full list of features and benefits.

Note: If you already use online banking as an Access CU or Hubert member, you will continue to sign in as normal with those credentials and your Carpathia accounts (where applicable) will be viewable on that login when service returns.

MOBILE BANKING

After integration weekend, Carpathia members will need to download the Access mobile app.

TIP: Please delete the old Carpathia app to avoid confusion.

Features to explore

Once you have logged in, take some time to get your online banking up and running your way!
Enroll in Autodeposit

- Autodeposit settings are deactivated during integration. If you use this feature, please re-enroll before trying to accept your first e-Transfer.
- If you wish to manually deposit e-Transfers, Select Manitoba for Province, and select Access Credit Union under the Credit Union dropdown.

e-Transfer recipients

- Add your contacts back to your e-Transfer profile.

Set security Alerts to your preference

- Note – SMS messages will come the number 22377 and emails from (notifications@alerts.accesscu.ca)

Add your debit card to your mobile wallet

- Please note that even if you have a Carpathia-branded card, you’ll need to select the Access card in the mobile wallet app.

Set up and/or make a payment, if required, to your personal CRA account

- Future Dated Payments (one time and recurring) will not carry forward to the new online banking experience (the Bill Payee will come over, the payment will not).

Business Members

You may be able to view accounts that require two signors, however you will not be able to complete any transactions on online banking unless you have two signors available.

If you receive the below message, you are attempting to transact on a dual signor account:

“The transaction was not completed. Kindly reach out to your credit union branch to complete this transaction.”

Delegate(s) logins will need to be set up again.
Consolidate your business profiles to your preference.
Reset any business CRA Future-Dated Payments.
Re-add CRA bill payees and payments.
Enroll to MyCRA to view tax documents.
Business CAFT users will migrate to a new provider, subsequent details and training will be communicated in May.

The new online and mobile banking service also offers several new features and security benefits, allowing you make the most of your business online banking account:

Online dual signature access for businesses with dual-signing authority
Increased Interac® e-Transfer send limits
Ability to consolidate accounts once your business is set up online
Higher Mobile Capture limits when depositing cheques via mobile app

For more information, please visit: https://www.accesscu.ca/en/business/convenience/digital-banking

Statements

Access Credit Union uses a ‘relational statement’ model. This means the information presented on your one statement is inclusive and personalized to you, the member, and therefore, based on accounts in which you have an ownership role, including any joint accounts you may be a part of.

Statement cycles

After the integration, you will receive your statement on a month-end cycle.

Your final Carpathia statement will depend on your existing statement cycle option:

June 1 – 7 (Last day of the month)
January 1 – June 7 (Semi Annual last day June/December)
April 1 – June 7 (Semi Annual last day March /September)

You will receive your first Access branded statement for June 8 – 30 (in July).

Note: Any rate changes that occur during June may not appear on the first Access statement but will be calculated as normal.

Statement delivery options

The option to change statement delivery options from online banking will not be available post-integration.

If you currently use online banking, you will receive e-statements going forward. If you require paper statements, please visit a Carpathia branch to set your statement preferences.

You will have 7 years of historical e-statements loaded onto the Access online banking platform (although this may not be immediately viewable after integration).

If you currently have all of your statements set to ‘receive a printed statement’ and do not have access to online banking, your statement will continue to be mailed to your home every month.

Click here for more information on statements.

Business statements

Businesses and Organizations: where the Tax Reported Owner is a business or organization, all accounts will display on one statement even if accounts have different signers assigned. This also means that all signers of the business or organization who have online access will be able to view the e-statements which include accounts they are not signers on.

Sole Proprietorships: as defined by CRA, a sole proprietorship is a business that has not been registered independently from the owner. Under this membership structure all accounts, both business and personal, are owned by the individual. This means that your statement will also consolidate all business and personal accounts.

Access account packages will be available for legacy Carpathia members starting on February 1, 2024

As Carpathia Credit Union legally merged with Access Credit Union on July 1, 2023, we are progressing through the next phase of the merger with our product alignment.

On February 1, 2024, all Access Credit Union account packages will be available for legacy Carpathia Credit Union members. That means your current Carpathia account package will change automatically to an equivalent Access product and Access service fees will come into effect.

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Carpathia-personal_savings

Carpathia-business_chequing

Carpathia-business_savings

Interest Payments

Variable registered products will pay out interest at the end of June and December, the current cycle at Carpathia is March and September. No accrued interest will be lost because of this change.

Variable TFSA, RRSP, and RRIF accounts currently pay interest monthly. This will change to a semi-annual interest payment cycle.

There will be no change for variable LIRA accounts in terms of interest calculation and payment.

	Carpathia		Access
	Interest calculation	Interest paid	Interest calculation	Interest paid
TFSA/RRSP/RRIF Variable	Closing daily balance	Monthly	Closing daily balance	Semi-Annually Last day of June and December
LIF/Federal RLIF/PRIF /LIRA Variable	Closing daily balance	Annually Last day of December	Closing daily balance	Semi-Annually Last day of June and December
LIRA Variable	Closing daily balance	Semi-Annually Last day June & December	Closing daily balance	Semi-Annually Last day of June and December

Term Deposits (registered and non-registered)

All Carpathia terms operate similarly to Access in which terms are opened in six month increments to a maximum of five years.

However, term products may not appear on your first few Access statements after technical alignment. More details to follow.

Service Fees

As a reminder, some service fees have been aligned to Access CU for January 1^st. Learn More.
Remaining service fees will be aligned to Access’ current fee structure effective February 1, 2024. See details here.

Member Support

Have questions? We’re here to help. Please contact your branch for assistance.

Member Services

BANKING SERVICES: It’s business as usual for cheques, debit cards, pre-authorized payments, investments, loans and mortgages. All existing account numbers and debit cards issued by the legacy credit unions will continue to operate as normal.

CREDIT CARDS: Changes are expected for Collabria credit cardholders. More information will be shared shortly.

BRANCHES: All existing branch locations, staff, and hours remain the same for legacy Carpathia branches. Full service and operational alignment will take place in 2024. Additional details to follow in the coming months.

MEMBER SERVICE & SUPPORT: Please continue to contact your local branch for support at (204) 989-7400 until further notice.

ONLINE/MOBILE BANKING: Members can continue to bank using the Carpathia website and mobile banking app until full operational alignment in 2024. Additional information to follow.

STATEMENTS: At this time, there are no changes to member statement cycles, delivery methods, or formats.

Next Steps

Effective July 1, 2023, Carpathia has become Access Credit Union. Together, we are a credit union that focuses on our members first. One that is future-focused, innovative, and strong; not only in our financials, but in our values, our people, and our communities.

We’ve begun integrating our operations and in 2024, will unify our website and banking system to complete the full Access Credit Union experience.

From now until full operational integration is complete, this carpathia.cusuccess.ca website is your go-to source to get information about integration activities, progress updates, and member advisories.

Integration Weekend: June 7-10, 2024

ATM/POS limitations, online, mobile, and telephone banking will be unavailable.

Prepare for the new Access digital experience Monday, June 10, 2024

What you need to know about integration weekend

How can you prepare for the integration weekend?

Interac e-Transfers® will be impacted starting Monday, June 3.

ATM & POS Transactions

Online & Mobile Banking

Member Services

Other features that require action:

Business member impacts

What you need to know (and do) after integration weekend

What will not change after integration?

What do members need to know and/or do after integration?

Features to explore

What’s different?

Business Members

Statements

Business statements

Member Support

Access account packages will be available for legacy Carpathia members starting on February 1, 2024

Account Packages

Looking for a print version? You can download the account package changes here.

Interest Payments

Term Deposits (registered and non-registered)

Service Fees

Member Support

Member Services

Carpathia Credit Union Merger with Access Credit Union

Operational Alignment Schedule

Next Steps

Get In Touch

Connect with Access Credit Union