Discussions

Anyone else having problems with automatic payments not coming out of your account after the credit union merger over the Thanksgiving weekend?

AC is charging you $1.00 per etransfer and we still have to pay the monthly fee. Westoba was $0 per etransfer and AC APP is horrible. It is hard to find the accounts and activities

Ugh - they merged my joint personal account with a joint business venture into one log-in and could not seem to understand the need to keep persona and business separated. Very annoyed with ACU

We are switching banks - AC have been annoying to deal with  
 
Edited by Moussa3Trena, 2026-10-19 16:01:42

Still waiting to see details of my account from beginning of the month. CSR assured me that everything would be business as usual by last weekend......Sure.....

all of their etransfer contacts? Tried to send one yesterday only to find my contacts page completely empty. Annoyed!!!

So frustrating when you login and can't find what you need, or now have to hunt for and reinstall. Be worse of if I didn't do good backups of info.  
As per previous posters, lost most of my payees, and also cannot access my transaction history for any of my accounts.

Yep. I lost all my contacts for etransfers

There are accounts that give you some free eTransfers, but they still charge you the $1 and apparently give it back at the end of the month. Sounds like a stupid way of doing it, but that is what I found when reviewing account options with them.

You don't get transaction history prior to October 9th in the online banking, this is what I was previously told in their multiple emails they sent out to members before the merger.  
 
The only way to see prior transactions is in the eStatements, which aren't available the last time I checked. They also mentioned this in the merger notices and said in November there will be two statements. One for Westoba transactions for October 1 to October 9 and a second for ACU for October 10 to October 31.

I agree the new online banking system is awful, a pain to find anything and takes a long time to do anything compared to the previous system. I will say I can at least use the mobile app, as the Westoba one never worked until the last month.  
 
Their merger emails did say to take a backup of your Payee's and eTransfer contacts as they might be lost. They also said no transaction history prior to October 9th would be available after the merger (only via eStatements), so it was clear from their multiple emails this was going to be the case.  
 
The new online banking system doesn't even show the correct balance of the account when you look line by line. I wish they would have learned and fixed such problems from the previous merger with Caisse.

It is stupid because they told me I can only send 30 etransfers a month or I will not be refunded

Friend of mine uses Westoba as her main personal bank, and said since the merger her application on her phone won't work now even when she tries to update it - it tells her that her phone is too old for the new updated App and shes forced to use website when she doesn't always have computer access!

Hopefully it will improve for everyone over time. I never really had any technological difficulties with Westoba (or ACU, though I didn't stick around for the technical changeover). My main issue was with ATM access, and readiness. If they can keep their ATMs better stocked and in service than Westoba did, that will be an improvement.  
 
I personally gave up on Westoba years ago and went to BMO as my daily bank. I used to use them (BMO) for their virtual debit card functionality.  
 
Edited by Simonwalcal, 2026-10-21 06:49:44

Reading all these issues gives me that much more reason not to be with a credit union at all.

That doesn't make any sense on their part. If you have the *Unlimited* account the name clearly isn't actually what you get. If you go over 30 eTransfers in a month, you should be refunded the $30 in charges and just pay for the number over 30.

I had a similar problem with WCU's app, could never login to the app normally. Only if I clicked certain links, then I could login and they blamed it on my phone - it was the same thing on three different phones. In the last 1-2 months of WCU, I could finally login normally.  
 
No issues with the ACU app login or install, but the app is definitely not like any other bank apps I use.

I never had a problem with Westoba but AC is very terrible. I spoke with the manager and she has been nothing but unhelpful throughout this process  
 
Edited by Moussa3Trena, 2026-10-21 11:46:35

All my Preferred shares were not on my account when I looked . When asked about them, they said would be on my statement each month. Well they were always there before. I think Assiniboine Credit Union is going to loose some customers

I went to Westoba a few months ago and was there for over an hour trying to get a new card. Not my main bank so didn't realize when the card expired.  
I finally had to leave because it was taking so much time. Never received a card for ACU...don't even know what to do now. Probably go and close out the account because I have no use for it now.  
I currently use Compass but will be leaving there as soon as possible. Can't get a phone call answered...had my bank card eaten by an ATM...ATM not giving cash and having to fight to get it put back into my account....just not updated to current tech levels...  
Not sure where I am going to move to but someplace more user friendly. Wish I could find something with less fees as I don't do much banking...few online payments on a regular basis...very few debit transactions...cash out a couple of times a month.  
Just disappointed with the whole credit union experience over the last few years.

After two personal trips to the branch and multiple hours on the chat/phone, I have given up.  
The main thing I need is my Sept statement for my corperate yearend taxs. It is a good thing I download each Estatement as they are released or I would be in a real pickle. They hope to have that available sometime in Nov.  
I have no confidence that their "hope" has much truth to it.  
My corperate and personal accounts have moved on.

I do most of my banking at Simplii. No building just the ATM at CIBC across from Super Store. No fees for anything. Have to do all your banking on-line but most people do now anyway.

I used to bank with traditional banks until a friend told me about Simplii Financial. Zero fees and because I never need to actually step foot into a bank, switching to them worked well for me. I've been with them for probably 15-20 years and have never had an issue. If you do not need to ever need teller services, you might want to look into them.

We too bank with Simplii (and their predecessors). Been there since 2002 or 2003. We've had mortgages and everything with them. They've been really easy to deal with too.  
 
That being said, we do have some accounts at Royal Bank as Simplii doesn't have the full range of investment products we wanted. But we have a bare-minimum account there and pay pretty much no fees. We transfer money from Simplii into there, and then the payments come out of there. Easy peasy.

I wouldn't say that. You have more options than just Assiniboine. And the credit union network of ATM's tends to be far superior to that of any of the big guys, particularly in rural areas. For example, I was able to deposit a holiday cheque I received into an Access credit union machine in Whitemouth MB. Diffrent credit union, but functioned the same as if I was using a Westoba ATM.  
 
That situation isn't as applicable these days with mobile deposit. But bank withdrawals could be a consideration if you do a lot of business (or just spend a lot of time) in smaller towns.

I have to say, dealing with cheque deposits at any credit union has been annoying. Every time I deposit a cheque, the funds are held for 5 to 7 days before they CLEAR  
 
Edited by Moussa3Trena, 2026-10-26 09:02:54

also with holds funds for 5??? business days

Yes, just experienced this with ACU last week...still waiting for the 7 day hold to clear so the funds are available to me. They don't follow Canadian Banking Standards and give you a minimum of $100 for every deposit since they are not federally regulated.  
 
I prefer to deal with the big banks, their hold on funds is less time if they hold back anything.

Same experience here. I deposited cash through the ATM and they held the funds for 5 days. That is enough for me and I am done with credit unions

hold policies are  
Rbc Four (4) business  
days after the day of  
the deposit  
 
BMO Cheques may be held up to 4 business days  
after  
the day of the deposit  
 
CIBC 4 business days after  
day of deposit  
 
and the times go up from here depending on check amount and where it is drawn on or deposited from.  
These times can make it seem light 7 days when the weekend is involved