Skip to main content
  • FAQ


We know managing money can get a little confusing – not to mention, overwhelming – so, to help, here are the answers to the frequently asked questions we hear from other members on a variety of topics.


Do I need to be registered for online banking?

Yes, you must be registered for online banking with NDCU. If you haven't tried our online banking yet, visit your nearest branch to set up your personal access code and get started today.

Do I have to pay anything?

No, the NDCU Mobile App is free to download, and you’ll never be charged for using it. However, since the mobile app uses data, your carrier may charge, so standard data and messaging rates may apply. You may also incur service charges for various online services depending on the type of account you have.

Is the mobile app available on all Apple devices?

It is designed specifically for your iPhone®, iPod Touch®, and iPad®. Some older models and iOS versions might not be supported.

How do I download the mobile app on my Apple device?
1. Using your Apple device, search for "NDCU" in the App Store
2. Select the app icon, and verify that the author of the app is NDCU
3. Tap the icon marked "Free"
4. Tap again when it changes to "Install"
5. When prompted, enter your Apple credentials
6. App will download
7. Use it!

How do I remove the app from my iPhone®, iPod Touch®, and iPad®?

Removing the app is as easy as tapping and holding your finger down on the NDCU Mobile App icon, then tapping the "X" that appears in the top right corner.

Is the mobile app available on all Android devices?

Automated filtering on the Google Play store may limit the devices to which the Android app may be downloaded too.

How do I download the mobile app on my Android device?
1. Using your Android device, search for "NDCU" on Google Play™
2. Select the app icon, and verify that the author of the app is NDCU
3. Tap the icon marked "Install"
4. Tap the icon marked "Accept"
5. App will download
6. Use it!

How do I remove the app from my Android device?

Removing the app on your phone or tablet using Google Play can be done by following these steps:
1. Visit your device's Settings menu > Apps or Application manager (this may differ depending on your device).
2. Touch the app you’d like to uninstall.
3. Select Uninstall. 

What is QuickView?

The unique QuickView feature displays the balances of your selected accounts at any time the app is open, without needing to login first.

Does the QuickView feature automatically display my balances?

The default setting of the QuickView feature is "Off". You can turn QuickView “On or Off” under Settings / Preferences on the mobile app.

Will the mobile app work if I have a shared or joint account?

Yes, just enter your account details as you normally would.

Will I still see my Personal Access Image when I log in?

No, since the authenticity of the app is already verified, you won't have to go through the Increased Authentication step to access your accounts and start banking.

If my phone is lost or stolen, will my information be at risk?

Your account can only be accessed by entering your personal access code. However, if you've activated the QuickView feature, your account balances will be visible. For additional security, we recommend you keep your device password protected. As a rule, you should contact your mobile carrier right away to deactivate your phone. You may also change your personal access by contacting us during our regular hours of operation.

I'm using a different brand of smartphone. Can I still access mobile banking?

At this point in time NDCU only offers the Apple and Android app.

What is Deposit Anywhere?

Deposit Anywhere is a feature on our mobile app that allows you to deposit Canadian cheques by taking a photo of them and submitting them to our financial institution – anywhere, anytime.

How do I get Deposit Anywhere?
Deposit Anywhere is available within the NDCU Mobile App.


How do I use Deposit Anywhere?

Depositing a Canadian cheque with Deposit Anywhere is easy. Open up our mobile banking app, tap the “deposit” button, select the account you’d like the funds deposited to, enter the amount, take a photo of the front and back of the cheque, confirm the details and tap “submit”. The funds will then be deposited securely into your account.

Are there any fees for using Deposit Anywhere?

No, there are no fees to use this service. But you may incur service charges for various online services depending on the type of account you have. In addition, your mobile carrier may charge you for using your mobile device to access the services provided by NDCU’s mobile app.

What types of cheques can I draw on?

You can only deposit checks payable in Canadian dollars and drawn at any Canadian financial institution. They must be payable to, and endorsed by, the account holder.

How will I know if there is an issue with my deposit after I submit the cheque?

In the rare circumstance that there is an issue with the deposit after you receive confirmation during the deposit, you will be contacted by us.

Will the deposit show immediately on my account?

Yes, your account balance will reflect each successful deposit immediately.

Do I have to mail in the cheques afterwards?

No, once you have submitted the cheques using Deposit Anywhere, you don’t need to send the cheques to the branch. Simply keep them for 90 days before destroying them.

Can I use the funds straight away?

No, the captured cheque will be held for 4 days. Once your available balance is updated to reflect your deposit, the funds are available. Feel free to contact us if your needs require immediate access.

Is depositing cheques with a mobile device safe?

Yes, as a feature of our mobile banking app, Deposit Anywhere meets the same high standards as our mobile and online banking services.

What is an Interac e-Transfer?

An Interac e-Transfer allows money to be sent to friends and family quickly, conveniently, and securely by email or smart phone using NDCU’s online banking. Anyone with an account at a Canadian financial institution can receive the money, and no exchange of account information is required.

Are Interac e-Transfers secure?

An email or text message acts as the notification that a transfer has occurred and provides instructions on depositing the money. The money is actually transferred over a secured network, and a security question ensures the money goes to the right person.

We recommend when sending:

  • Always using a unique security question and answer for each individual recipient.
  • Ensuring the email of your recipient is correct and up to date.
  • Never putting the answer to your security question in the message field when sending your Interac e-Transfer.

We recommend when receiving:

  • Set up Autodeposit for receiving e-Transfers. Once you enable Autodeposit and define which account will receive your transfers, they’ll automatically be deposited in your chosen account without any additional steps. Not only does that mean fewer steps to complete your transfer, it also means less time worrying about email fraud.

Do I need to be registered for online banking?

Yes, you must be registered for online banking with NDCU. If you haven't tried our online banking yet, visit your nearest branch to set up your personal access code and get started today.

What information do I need to make an Interac e-Transfer?

Once logged in to online banking, you’ll need the recipient’s name, email address or mobile phone number, the transfer amount, and a unique security question and answer.

How do I cancel an Interac e-Transfer?

You can cancel an Interac e-Transfer as long as it has not been deposited by a recipient. The transfer fee is non-refundable.
1. Log in to Online Banking and go to the Transfers section.
2. Click on the Send Interac e-Transfer link.
3. Click on the Pending e-Transfer link to see the transfer you sent that hasn't been deposited yet.
4. Click Cancel to cancel the transfer.

How long will it take to receive money by email or mobile phone?

Once an Interac e-Transfer has been sent, it may take 15-30 minutes or more for the recipient to receive the notification. For larger transactions, Interac does perform reviews which may take longer than 30 minutes. The length of time may also be affected by your email system and internet speed. Once the recipient accepts the transfer, the money is deposited directly into their account immediately.

How long does the recipient have to accept an Interac e-Transfer?

The recipient has 30 days to accept an Interac e-Transfer. Once the Interac e-Transfer expires, the sender receives an email indicating the transfer has expired and a link to re-deposit the funds into their account. The sender has 30 days from the date of expiry to re-deposit the funds into their account. If the Sender does not re-deposit the funds into their account after the 30 days (60 days from originally sending) then the Sender will be charged a fee. See Products and Services Guide for current fee details. 

How many attempts will I have to answer the security question when receiving an Interac e-Transfer?

You will have three attempts to answer the security question. After three incorrect attempts, Interac will block the transfer. The sender will be notified and instructed to log into online banking and cancel the Interac e-Transfer.

Why do text message notifications come from 100001?

This is the short code from which all Interac e-Transfer text notifications are sent.

What is the cost of sending an Interac e-Transfer?

There’s a non-refundable fee of $1.00 to send an Interac e-Transfer. This fee will apply even if the recipient declines the transfer, the transfer expires or the sender cancels. All NDCU members can receive Interac e-Transfers for free. Depending on the recipient’s financial institution, they may be charged a fee for receiving your Interac e-Transfer.

Are Interac e-Transfers bundled into any of NDCU's account packages?
Yes, Interac e-Transfers are bundled into the following banking options:

Personal (Choice)

  • Inspire
  • Aspire
  • Ridge
  • Peak
  • Heritage


  • Business 25
  • Business 100
  • Community Plus

What is the cost of receiving an Interac e-Transfer?
There’s no cost to receive an Interac e-Transfer.

Can a recipient decline to accept the money?

A recipient can decline to deposit the money that is sent to them. The sender will receive notification that the money has been declined and the sender can then follow instructions provided to deposit the money back into their account. The transfer fee is non-refundable.

Are any account types exempt from the fee?
The Interac e-Transfer fee currently applies to ALL account types.

Are there limits to how much I can send or receive in an Interac e-Transfer?

There are limits on the amount a person can send or receive via an Interac e-Transfer:

Limit Per Transaction:

  • Sending – $6,000
  • Receiving – $25,000

Daily Limit Cumulative (24 hour rolling):

  • Sending – $20,000
  • Receiving – N/A

7-day rolling:

  • Sending – $20,000
  • Receiving – N/A

30-day rolling:

  • Sending – $40,000
  • Receiving – N/A

There are no minimum limits on the dollar amount you wish to send.

Can I send an Interac e-Transfer to someone outside of Canada?

No, only Canadian dollars can be sent, and deposits can only be made into a Canadian account. In addition, the recipient will need to have access to their Canadian financial institution’s Online Banking.

What happens if I send an Interac e-Transfer to a land line?

If you also provided an email address, the recipient will be notified by email. Otherwise, you may be informed that the transfer notification could not be delivered and will be directed to either reclaim your transfer or correct the contact information of your recipient. The transfer fee is non-refundable.

Someone from another financial institution sent me an e-Transfer. What should I do if I haven’t received the notification within 30 minutes?

You should check with the person that sent you the e-Transfer to ensure they sent it to the correct email address and/or mobile phone number. For larger transactions, Interac does perform reviews which may take longer than 30 minutes. The length of time may also be affected by your email system and internet speed. If there are issues receiving the transfer, the sender will have to contact their financial institution for help.

Can I set up a Mobile Alert to inform me if an Interac e-Transfer recipient is added?

Yes, the Manage Alerts section within online banking allows you to manage alerts such as these...and more.

I received an error message when attempting to receive an e-Transfer through Nelson & District Credit Union Online Banking. What should I do?

If there is an error when attempting to receive an e-Transfer, please contact the person who sent you the e-Transfer. The sender should then follow up with their financial institution for help.


What are e-statements?
E-statements are electronic copies of your mailed paper account statements.

Benefits to you

  • Quick – Faster than receiving a mailed statement
  • Safe – Eliminates the risk of mail being lost or stolen
  • Convenient – Easy record-keeping. You’ll have a 7-year electronic archive of your full financial picture
  • Flexible – Can also be stored on your computer for off-line access to your full financial picture
  • Logical – no paper handling or filing required

Benefits to your environment

  • Eliminate paper consumption
  • Eliminate energy used to shred and recycle statements and inserts
  • Eliminate the carbon footprint created through motorized mail delivery

Is it safe to view my e-Statements online?

NDCU’s MemberDirect online banking website is secured to industry standards. There will no longer be the opportunity for thieves to steal your paper statement from your mailbox, therefore reducing the risk of identity theft and mail-related fraud.

Should I be concerned about my statement privacy?

Our e-Statement service provides you with options. Suppress your paper statement and remove the risk of mail theft, a common form of identity theft. If you prefer to receive a paper statement, these are automatically printed, stuffed and passed directly to Canada Post for shipping. This new process requires fewer steps, less handling and thereby increases your privacy.

Is access easy?

Your e-Statement is available through NDCU’s MemberDirect online banking site in reliable Adobe PDF format. Simply log in and click on the “View e-Statement” button on your “Account Summary” page. For added convenience, you can choose to save your e-statement to your home computer or print it if you need to.

Can I access older statements?

Starting with your December 2009 e-statement, NDCU will begin archiving your e-statements, so you'll have online access to them for up to seven years.

Is it easy going green?

Each year, we mail close to 200,000 sheets of paper, related to statements. Moving to e-Statements reduces the amount of energy and paper used to get those mailed paper statements to you. Together, we can reduce our impact on the environment.

What does it cost me?

E-Statements will be offered as a free service for members with access to MemberDirect online banking.

How do I sign up for MemberDirect internet banking?

For those members not currently signed up for MemberDirect internet banking and interested in e-Statements, please use the “Contact Us” form on the MemberDirect internet banking login page. Click the MemberDirect internet banking button found on our homepage.

  • Please note that your paper statements will only be discontinued if you complete the "Statement Preferences" process on MemberDirect internet banking.
  • For members who would like access to e-Statements via MemberDirect internet banking, but do not have access to a home computer, please note that member-access in-branch computer kiosks are provided in each community branch of NDCU. During your next in-branch visit, simply request an online demonstration at one of our in-branch kiosks.
  • MemberDirect internet banking provides online access to accounts 24 hours a day, seven days a week. It is accessible from most locations and can be accessed around the world.
  • Members requesting a printout of their e-statement from a teller will incur a service charge as outlined in the NDCU Products & Service Guide

iPhone, iPod Touch, and iPad are trademarks of Apple Inc. registered in the United States and other countries. Apple Inc. is not a sponsor or participant of Mobile Banking for Nelson & District Credit Union.

 Android is a trademark of Google Inc. TM Google Play is a trademark of Google Inc. Used under license. Google Inc. is not a sponsor or participant of Mobile Banking for Nelson & District Credit Union.

 ® INTERAC e-Transfer is a registered trade-mark of Interac Inc. Used under license.
*Your mobile carrier may charge you for using your mobile device to access the mobile services provided by NDCU.