Let's Get Started

Welcome to Encompass Credit Union's new digital home. This website is designed with a fresh new look, and plenty of new features that will make your navigation experience a positive one. You can now sign into your digital banking and you'll see all the same great features and options with our old online banking platform, plus plenty of new ones. 
  • When you sign in for the first time, please use your MemberCard debit card or the 19-digit internet banking login. You will need this to sign in. At that point, you can create an username. See the FAQs below for step-by-step instructions.

For 24 hour technical support, contact us here at 1-888-896-5718 or send us an email here

Update Contact Info

Signing into our new digital banking platform is simple and easy. We need to make sure your current, valid cell phone number and your email address are up to date.

If you are not sure that your contact information is current, please click here to update, call the administration branch at 780-842-3391, or your local branch.


With new digital banking, here's a few things to be aware of:


New Features


There are many new features with the new digital banking, like:

  • The ability to add favourite transactions (such as a transfer for your kids' monthly allowance) 

  • You will be able to open new accounts under your existing Encompass membership in minutes.

  • Misplaced your phone? No problem, as an added layer of security you can now lock that device!

  • You won't need an app for your tablet, the website and digital banking is optimized for tablets without an app. 
  • We make it very tough for the bad guys with increased security and are pleased to offer one-time passcodes for several transaction types.

  • New Small Business digital banking, customized for your banking needs!
Coming Soon

With the migration, some popular functions will return

  • INTERAC e-Transfer Request Money
    • The "Request Money" feature will not be immediately available, however is planned to be re-enabled in the next few months.
  • Lock ‘N’ Block
    • Although not immediately available, if your card is lost or stolen, please contact Encompass Credit Union at 1-888-388-9688, or locally at the admin branch at 780-842-3391.
  • Connecting third-party accounts, like Collabria credit cards. Currently, you can access your Collabria credit cards through the My Card Info portal.
  • For 24 hour technical assistance, please contact 1-888-896-5718.
Want to check out our how to videos for digital banking?
There are a number of videos for your to choose from, from first time sign in, to how to do e-Transfers or adding small business delegates. 

Frequently Asked Questions

We are excited you are taking this step! First, you will need to create a profile.
  1. Go to the login screen and enter your Member Card® debit card number and click ‘Continue.’
  2. Enter your date of birth and the mobile phone number of email address associated with your account. Click ‘Continue.’
  3. A popup window may display asking for the code you received by text message or email. Enter the code, if applicable, and click ‘Continue.’
  4. Enter a new username (username cannot be your debit card number).
  5. Enter a new password (following the password rules provided).
  6. Re-enter password for verification.
  7. Read and acknowledge the direct service agreement and click ‘Continue.
  8. Confirm details and click 'Create user profile'.
  9. User profile is successfully created. Click 'Proceed to sign in'.
  10. You will be redirected to the login screen. Enter your new username and password.

Check out our short video to walk you through it!
  1. Go to the login screen and enter your Member Card® debit card number and click 'Continue'.
  2. Enter your current online password. Click 'Continue'.
  3. Read and acknowledge the Direct Services Agreement.
  4. Enter a new username (username cannot be your debit card number).
  5. Enter a new password (following the password rules provided).
  6. Re-enter password for verification.
  7. Enter your mobile phone number or email address associated with your account.
  8. A popup window may display asking for a code you received by your mobile device (text message) or email address associated with your account. Enter the code and click 'Continue'.
  9. Confirm details and click 'Create user profile'.
  10. User profile is successfully created. Click 'Proceed to sign in'.

Check out our short video to walk you through it!

Maximum 35 alphanumeric characters (A to Z, a to z, 0 to 9, and special characters) and your username cannot be your PAN (16-digit debit card number).

Simple tips:

  • It could be your email address
  • Something you can remember easily
  • It cannot be changed
  • If you try something and it isn't accepted, it means someone else already has that username.
  • at least 10 characters minimum and up to 35 characters maximum

  • at least one upper case letter

  • at least one lower case letter

  • at least one number

  • special characters are optional

Simple tips:
  • Choose a letter of the alphabet and swap it out with a number or special character every time it appears in your password.
  • Use a code that you understand for your password
  • Spell a word you choose backwards and add numbers

No, once you’ve chosen a username, you won’t be able to change it.

Forgot your password? No problem. Follow these steps to reset it on the app or in digital banking.

  1. From the login screen, click Forgot Password

  2. Enter your username

  3. Enter your email or phone number

  4. Follow the instructions that are emailed or texted to you

Check out our short video on how to reset your password.

No, the good news is now you can log in with the use of your personal username instead of having to remember a 19-digit card number. In fact, that unique user name is what you should always use going forward once you've logged in the first time. 

Simplify your login experience by setting up your phone’s biometric login features (if applicable).

  1. Follow your device’s instructions for turning Fingerprint ID or Touch ID on

  2. Log in to the Encompass Mobile app

  3. From the menu, click Security

  4. Click Set up Fingerprint/Touch ID

Both fingerprint and facial recognition will be available on the new mobile platform, if your mobile device supports it.

Yes, they will. All your current bill payees will be automatically transferred with your new digital banking or on your new Encompass mobile banking app. 

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 valid only for a limited amount of time. Here are some examples of when one-time passcodes are used:

  • Register for online banking
  • First time you sign in to online banking
  • Add a new bill vendor
  • Update contact information
  • Change or reset your password
  • Transfer funds to other members
  • Add an Interac e-Transfer® recipient

First, check your spam or junk folder. If you don’t find it there, click resend the code on your confirmation screen to try it again.

You can access the Encompass Credit Union app by searching for "Encompass Credit Union mobile banking app" in the App Store or in the Google Play Store.

You will not need an app to use mobile banking on your tablet or iPad. You can access the website and log in through https://www.encompasscu.ca through a browser. The website will react and is responsive to the size of your tablet's screen. The user experience is better through the tablet's browsers like Safari or Chrome versus downloading the mobile banking app on your tablet. 
On your mobile banking app, you'll want to click on the three lines in the top left corner and then select Mobile Deposit. 
Select an account you want the cheque to be deposited into, and then the amount of the cheque. 
Click on the camera icon to take a photo of the front of the cheque (make sure you allow the app to access your camera on your mobile device to take the photo of your cheque).
The camera should take a picture of the cheque automatically once it is within the range of the camera. If not, you click the photo button on your camera. 
Do the same for the back of the cheque, then hit 'continue'. 
Double check the information is correct, then hit 'confirm'.
Then click 'finish' and it's complete. 

Check out our short video on how to deposit a cheque using our mobile banking app. 
The transaction history only appears as one month in the app, but if you go to "view transactions" and click on the search button magnifying glass, you can change the search criteria - including the date range. On desktop, the transaction history date range can be easily changed to go back up to two years. 
You can download your transactions into the format needed for Quickbooks and Quicken by scrolling to the bottom of your account and selecting the 'Export' button. These documents can then be uploaded into Quickbooks or Quicken. 

Manage Accounts

Yes. You can set up shortcuts through the widget function on your mobile device by navigating to the menu (three-line stack icon), choosing ‘Settings’ and tapping on ‘Widgets.’ There you will be able to add up to three accounts you would like to view. If you’re sharing this device, we recommend you turn off this option.
You can also add some of your favourite transactions as shortcuts in the widget, giving you an even quicker way to do your banking.
Unsuccessful attempts with facial or thumbprint recognition, or entering your password incorrectly can cause a lockout on your account.
To get it unlocked, please call us at 1-888-388-9688 or for after-hours assistance, please call 1-888-896-5718. You can also select the ‘Forgotten Password’ link to reset your login. Click here to see a video on how to do that. 
For new members, we have a number of different options for you:
If you'd like to do it on your own - we have our online account opening
Use our contact us online form to get started. 
Stop by your nearest Encompass branch
Call 1-888-388-9688 and someone from our team will be happy to help you.
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.’
Note: Some accounts require a minimum deposit. 
If you're an existing member and want to open an RSP or TFSA, you can use our online account opening or contact your local branch or toll free at 1-888-388-9688.
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 then the month of the statement you wish to look at.
eStatements are available to view on desktop and on our new mobile apps
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.


Check out our short video on how to reset your password.
Steps:
Login to digital banking on desktop/tablet or the app.
Navigate My Encompass > 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'.
You can choose to receive alerts using all, a combination of or one notification type (text, email and/or push notification). However, there are 3 mandatory security alerts that are received by email and cannot be turned off.
Account alerts are unique to each account – different alerts can be set up on different accounts. Only one balance frequency notification can be selected (daily, weekly or monthly) per account.

Check out our short video on how to set up alerts. 

Select ‘Transfers & Payments’ (on the app tap the menu icon and then ‘Transfers’)
Go to ‘Transfers’ and then ‘Transfer Funds’
Select the transfer to account from the dropdown or select another Encompass member and enter the account number
Enter the amount
Enter a memo (optional)
Select ‘Continue’
Review the details and select ‘Continue’
Click the favourites icon (heart with plus [+] symbol)
Enter the favourite name
Select add to favourites
To add another favourite transaction, follow the above steps using whatever transaction is desired i.e.: recurring bill payment, e-Transfer.

Check out our short video on how to set up a favourite transaction.

Login to Digital banking
Select ‘Accounts’ from the navigation menu
Select favourite transactions
Click on the use icon
Verify the details and make any changes
Click ‘Continue’

Business FAQs

  1. For the best experience, we recommend that if you have a personal account with us you onboard yourself (the signer) before you onboard your business.
    • The first time you log on, you’ll be asked to create a username. This unique username should be made up of numbers and letters to a maximum of 35 characters (no special characters like !, #, $, @). Your username cannot be changed once submitted so choose something you can remember.
    • As part of our enhanced security, you’ll be asked to input an email or cell phone number, so you can receive a secure code to verify it’s you setting up access. The email or cell phone you input must be the one that matches our records.
      *Not sure what contact information we have on record or having issues at this point in logging in? Reach out to your local branch, call 780-842-3391 or use our online form to update your information.
  2. When you onboard your business, you will be asked to create a new username. If you have a personal account with us, choose a different username than you did for your personal account.
    • When asked to provide the date of birth and email or cell phone number for verification, use your personal information along with your business’ debit card (PAN) number.
      *Do not use your debit card number as your username.
  3. If you would like to connect (consolidate) your personal and business accounts into one digital banking profile, sign into your business account and choose ‘Business Services’ on the top navigation.
    • You will then be asked to input the username and password for your personal account.
    • Once this is complete, you will need to sign-out and sign back-in to see the consolidation.
    • This step can only be completed once you have onboarded both your personal and business accounts.
  • Once you’ve onboarded, you’ll need to set-up your Interac e-Transfer® profile. Go to the menu and select ‘Transfers & Payments’. Under ‘Interac e-Transfer’ select ‘Profile Settings’ and update your information.
    *You will be unable to send or receive e-Transfers until your Interac e-Transfer® profile has been set-up.
  • If you have had Interac e-Transfers® sent to you over the weekend, you will need to select ‘Encompass Credit Union’ as your financial institution to be able to accept the transfer.
  • To add e-Transfer contacts, go to ‘Transfers & Payments’ and under ‘Interac e-Transfer’ you’ll see ‘Manage Contacts’ where you can add recipients.
  • Did you know that setting up Autodeposit for your e-Transfers reduces the risk of fraud? With Autodeposit, transfers are directly deposited into the bank account of your choosing so there is no chance for fraudsters to intercept the Interac e-Transfer® if they gain access to your email account. To set-up Autodeposit go to ‘Transfers & Payments’ and select ‘Interac e-Transfer’. Under this menu, go to ‘Autodeposit Settings’ to turn this feature on.

As a signer on the business, we need to authenticate you as an individual. It’s important that your personal information (date of birth, email and cell) in your file is up to date so we can validate who you are.

You can update your personal information online or by calling 780-842-3391.

If you want to easily switch back and forth between your personal and business accounts under a single login, you will need to complete the onboarding process for each membership separately.

From your business profile, you can then add your personal or other business accounts and access them from a single login.

Check out this short video on how to consolidate your profiles.

There is no limit on the number of businesses you can consolidate with one personal account.

As a signer on the account, you can set up a delegate’s username, as well as assign Read-only or Initiator access. This transaction requires you to enter an authentication code before it can be completed.

A temporary password will be generated and sent to the delegate by email or cell phone. You will need to notify the delegate of the username you have set up.

Check out our short video on how to set up delegates for your business account.

There is no maximum number of delegates you can have on your account.

All delegates will need to be added again, so if you can't see your accounts, make sure you have been set up on the new platform.

Contact a signer on the account to set this up.

On a two-to-sign business account, the confirmation number and status will display once the second signer has confirmed approval of the transaction.

From your business profile, you can set up a CRA business account and make a tax payment by going to “Transfer & payments” > “Pay corporate taxes”.

Note: CRA payments can only be made via the desktop application. Because of the complex nature of submitting CRA payments, the screens on mobile devices are not optimal.

Check out this short video on how to make business tax payments. 

Digital banking has a character limit when it comes to the business name and your business name may be outside the limits. This will not impact any of the information sent with bill payments or what is stored in our banking system.

INTERAC e-Transfer®

If you have an INTERAC e-Transfer profile already set up, just log in to Encompass' 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.’
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 dropdown 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.’
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.
Encompass Credit Union members can receive an INTERAC e-Transfer® transaction. Money received by email will be deposited directly into your personal or business Encompass 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 Encompass Credit Union.
Select Province as 'Alberta' first, then credit union as 'Encompass Credit Union.'
Choose the Encompass Credit Union account into which you wish to deposit the money.
Log in to Digital Banking to deposit the funds.
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
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
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