Support

Small business online banking offers a unique set of features that’s set apart from other personal online banking services. The key features that distinguish the Small Business services from the other online banking services are:

• Profile consolidation (consolidation of personal and business profiles)
• Dual-signature support (for 2 to-sign accounts)
• Delegates (multiple user support)

In addition, signors can approve transactions on the go from their mobile devices

Profile consolidation allows you, as a small business member, to add your personal profile. This will enable you to switch back and forth between your business and personal profiles.

Profile consolidation must be done using a desktop browser, not the mobile app. To set up profile consolidation:

1. Sign in to online banking using your business username and password
2. Select ‘Business Services’
3. Click ‘Profile Consolidation’
4. Click ‘Add Profile’
5. Enter your personal profile username
6. Enter your personal profile password
7. Click ‘Continue’
8. Review details and click ‘Continue’
9. Personal profile is successfully added
10. You will need to sign out and sign back in using your business username and password to complete the setup

To switch profiles, go to the top of the screen to where your username is displayed. Hover over your username and the consolidated profiles will be displayed. Choose the profile you would like to switch to. A pop-up box will display asking if you are sure you want to switch profiles, you can either cancel or switch profiles.

There is no limit on the number of businesses that can be consolidated under a single sign in.

A delegate is a person such as an accountant, bookkeeper, or spouse that can be granted limited access to online banking for a business. A delegate is created by one of the account signors and can be granted specific access:

• Initiator Access: allows the delegate to create transactions such as a bill payment, transfer or Interac e-Transfer for the signor(s) to approve.
• Read Only Access: allows the delegate to view account information but does not permit them to perform any transactions

Each signor can add an unlimited number of delegates. All delegates can be seen and managed by all signors.

1. Sign in to online banking (currently cannot be done on the mobile banking app)
2. Select ‘Business Services’
3. Click ‘Delegate Management’
4. Click ‘Add Delegate’
5. Enter delegate username (5-35 alphanumeric characters)
6. Enter the name of the delegate
7. Click the radio button to select the access level- initiator or read-only
8. Click the radio button to select how the password will be received (email or mobile phone number)
9. Enter the email address
10. Enter the mobile phone number
11. Type in any notes that may apply to the delegate
12. Accept express consent
13. Click ‘Continue’
14. Review details and click ‘Continue’
15. An authentication code will then be sent to you by email or text message, simply enter the code into the “Enter Code” field and click ‘Continue’
16. Delegate added successfully
17. The delegate will now receive their temporary password via email or text

A note about delegates:

• There is no maximum number of delegates that can be set up.
• Once the username is selected it cannot be changed.
• The username will need to be communicated to the delegate separately.
• Any account signor can add, view, or edit a delegate.
• Prairie Centre Credit Union does not have access to your delegates, so we are unable to add, edit, delete, lock, or reset their password on your behalf.

Delegates can reset their own passwords by using the ‘Forgot Password’ feature on the home sign in screen or the delegates signor can reset it for them.

Delegates will see the accounts under the business profile they are linked to. If other profiles have been consolidated, the delegate will not be able to access or view those profiles and/or accounts.

A delegates access can be locked to ensure they are unable to access the accounts. Delegates cannot be deleted from the profile once added.

A delegates access can be locked to ensure they are unable to access the accounts.

The authorized signors have 7 days to act on a transaction prior to expiry. Authorized signors that activated the expiring alerts will receive a notification of a pending transaction about to expire starting on day 5 and if not actioned, again on day 6 and if not actioned, again on day 7. 

In order to receive these notifications, users need to activate Pending Transfer alerts. To activate these alerts, users should log in to their business account, and select Business Alerts. Users can set up Pending Transfer alerts for different transaction types in order to receive notification of expiry on those transaction types.

No, the signor must approve the recurring transaction only once, when it is first initiated.

Online 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.

You can download your transaction 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.

Note: Please be aware that automatic downloads for QuickBooks and Quicken will not be immediately available in our new online banking platform.

If you have your membership set up as requiring two-signor approval for transactions like bill payments and Interac e-Transfers, you can approve the transaction within online banking under ‘Pending Transactions’.

1. Sign in to online banking
2. Select ‘Business Services’
3. Click ‘Pending Transactions’ to view transactions that require approval (created by another signor or a delegate)
4. Select to approve or decline the transaction
5. Some transactions may require you to enter a one-time passcode as a security feature. If this is the case, an authentication code will then be sent to you by email or text message, simply enter the code into the ‘Enter Code’ field and click ‘Continue’.

Note: Pending transactions expire after 7 days.