• FAQ

Ways to Bank

We're here to help. Whether it's online, using your mobile device, at a bank machine or at a branch we've got the answers you need. 

About Online banking

Alert Notifications

Safety on the Internet includes taking steps to ensure only authorized access and usage of your accounts online. When activated, online banking Alerts will notify you of certain online banking activities by email or text message or both, anytime, anywhere.

The following Alerts are available:

  • Online LoginPersonal Access Code Changed
  • Online Banking Locked - Incorrect Response to Security Question
  • Bill Payee Added
  • INTERAC® e-Transfer Recipient Added

We encourage you to activate all these Alerts. To do so, simply login to online banking, click on Messages and Alerts in the left menu and follow the quick and easy instructions.

Alert Notifications - FAQs

Learn more about Alert Notifications by reviewing these frequently asked questions:

AccountPlus

A consolidated Online View of your Finances.

Tandia is pleased to offer AccountPlus™ - an online banking feature that provides a consolidated view of your accounts. The AccountPlus feature brings you one step closer to complete financial management.

With AccountPlus, in addition to your credit union accounts you can view other credit union financial partners’ accounts such as registered and non-registered investments. The current partners include NEI Investments, Qtrade Advisor, Qtrade Asset Management Inc. and Qtrade Investor.

Getting Started

Setting up AccountPlus is easy. All you need is online banking access to your account and current statements for each partner account you would like to link up. Once you have logged into online banking and selected the ‘Member Services’ tab, the ‘Manage AccountPlus’ screen will be accessible. You will be able to link each account in a matter of minutes. To ensure your privacy and security each account has to be linked separately within the ‘Manage AccountPlus’ feature. It’s that easy!

™ACCOUNTPLUS is a trademark owned by the Canadian Credit Union Association, used under license.

Qtrade Advisor is a division of Credential Qtrade Securities Inc. ("CQSI"), member of the Canadian Investor Protection Fund.  Qtrade Asset Management Inc. ("QAM") is a member of the MFDA.  CQSI and QAM are separate legal entities from Tandia. Securities may fluctuate in value and are not insured by a government deposit insurer or guaranteed by Tandia.

Interac Online

A simple and secure way to pay online.

Have you ever wanted to pay for an online purchase using your Tandia™ account rather than using a credit card? Now you can with Interac® Online. At home or on the go, with Interac Online, you have an alternative to sharing your credit card information with retailers when shopping online. This new payment method gives you the option to pay for online purchases directly from your credit union account. It’s the newest online payment method, and it’s fast, convenient, and secure.

How Interac® Online works

  • Select Interac Online as your payment method in the online checkout. You will be directed to the secure Interac gateway page.
  • Select which province your credit union resides, and then select Tandia Financial Credit Union.  You will be directed to your secure personal online banking login page.
  • Log in to your account.
  • Select the account you wish to use and confirm the transaction.
  • Once confirmed, you are logged out of your credit union account and are redirected back to the retailer’s confirmation page.

Benefits of using Interac® Online

  • It’s secure. No personal banking information is shared with the retailer or other third parties. The payment is completed through your secure banking session.
  • It’s convenient. There are no extra accounts to set up or passwords to remember.
  • It’s fast. The transaction takes place in just a few clicks using available funds in your credit union account.

Visit interac.ca for a list of participating retailers.
Talk to us today about how Interac Online can change the way you shop online

Frequently asked questions

Here are some frequently asked questions about Interac Online and the answers:

®Interac is a registered trademark owned by Interac Inc., used under license.

A warm welcome to MemberOne Branch members!

The connection activities are now complete and you can now login to tandia.com online banking.

Please note that your initial experience will be like logging in for the first time:

To get started, you will need to use both your branch name (MemberOne - you will see it listed in a drop-down list of alll Tandia branches) and your member number. Your private access code (PAC) remains the same.

Get ready for a new online banking experience

Once you are fully logged in, you will be able to experience our recently enhanced Online Banking with Personal Financial Management. This new online banking experience allows you to bring all your accounts and financial information into one place and offers new budgeting and spending analysis tools to help you stay on top of your finances. You will be able to:

  • see your transactions automatically categorized and graphically displayed
  • create and manage budgets based on your spending habits
  • see all your accounts in one place by linking accounts you hold at other financial institutions.
You can enjoy the same experience by downloading Tandia™ Mobile available at voth the App Store and the Google Play Store.

Frequently Asked Questions

We’ve anticipated the most common questions you may have about the new online banking experience and listed the answers below. Alternatively for assistance, please call the Member Solutions Centre (1.800.598.2891) during regular business hours or Contact Us.

1. What has changed? 

Our updated Online Banking with Personal Financial Management brings all your accounts and financial information into one place and offers new budgeting and spending tools to help you stay on top of your finances.  With Tandia’s online banking financial management tools you can:

  • See your transactions automatically categorized and graphically displayed in the account summary page
  • Change and/or exclude transaction categorizations from their spending analysis
  • Create and manage budgets based on your spending habits
  • See all your accounts in one place by linking accounts you hold at other financial institutions
  • Add assets and liabilities (e.g. car, home and other significant valuables) so you can see a more complete picture of your finances
  • Create account groups so that transaction history and spending analysis for related accounts can be viewed together
  • View your spending and budgets using mobile web and mobile app

2. Is my banking and personal information safe?

Keeping your financial information safe and secure is very important to us. Our online services offer you the best security currently available in a commercial environment so that your personal and financial information is protected. For more information, please review our online security guarantee.

3. Is there any cost for this service? 

No. This is a free service to help you track your spending and feel more confident about the financial decisions you make.

4. Are my past transactions already categorized? 

Yes. We’ve automatically categorized your past five months of transactions, and created a default budget based on those transactions, so you can start tracking your spending right away. You can also change the names of those categories and create sub-categories to suit your needs.

5. How is this different from Mint.com? 

Mint.com is not a financial institution. It is a third party software provider that acts as an aggregator of customers’ banking information. It does not allow users in Canada to perform any online banking activities, such as pay bills or transfer money. Our online banking platform offers easy-to-use tools to help you see your full financial picture, all within a banking website you know and trust.

6. What if I don’t want to use the features? 

You can minimize the view of the budget and spending features, which makes the format look similar to what you have used in the past. When you use the same device to log in to your online banking, your preference of hiding the interface will be remembered.

7. Will I be able to link my banking information from accounts in another country?

You can link your accounts from other participating financial institutions across Canada or the United States.

8. Are the budgeting and spending tools included in mobile platforms? 

Yes. Our Mobile Web and Mobile App includes the ability to view (not manage) spending, budgets and categories for accounts held with us and through other financial institutions.

9. Why should I use your financial management tools? 

There are a few great reasons why you will want to use our financial management tools:

  •  Your every financial transaction is in a place you already trust
  • Create budgets you can track and change as life happens
  • See your expenses by categories that make sense to you
  • Get the big picture of how you spend, save and live
  • Check your mobile device when you are on the go

10. Will staff be able to see my banking information at other financial institutions? 

No. Your privacy is our priority. Please see our online privacy & security policy to learn more about how we keep your information safe.

11. Can I link my investment portfolios and credit cards?

Yes. Note that for each account you link, you will be asked to consent before the link can be created.|

12. I already linked my credit card, but now I am receiving an ‘Account Error’ message indicating ‘Re-Verification Required’. Is this going to happen every time I log in? 

When linking to an external account, you may have been prompted for only some and not all of the security questions related to that account, so the first few times you log in you may see this error. Once you update your credentials as requested and all of your security questions have been cycled through, this should not happen again. This will also occur when you change the password for your external account; an error message will appear and you will be prompted to re-verify.

13. Previously when reviewing Account Activity, in addition to my balance I could also view my limit, available funds and current rate under ‘more details’. These additional details do not show under ‘Account Details’ - where can I find them? 

We are currently working to resolve this issue as quickly as possible to ensure that your limit, available funds and current rate are displayed in online banking.  In the meantime, we ask that you review your latest eStatement to reference this information. You may also contact our Member Solutions Centre at any time for this information.

14. Can I link other Tandia accounts under a different Tandia membership number so I can see all of my Tandia accounts at a glance? 

This feature is currently not available. Alternatively, you can add assets and liabililities held under separate memberships in the Assets and Liabilities section at the bottom of the Account Summary page.

Online Banking Features

Deposit Anywhere™

With Deposit Anywhere™, you can quickly and securely deposit cheques with your smartphone or tablet, from anywhere, day or night.

So whether you’re at coffee with friends, at work, or staying up late to get your banking done – any time is the right time to deposit cheques.

Here’s how it works:

1. Log in to Tandia™ Mobile on your smartphone or tablet and select the Deposit Anywhere icon.
2. Select your account and enter the cheque amount.
3. Snap a photo of the front and then the back of the cheque.
4. Confirm the details and tap ‘submit’.  That’s it!


Free, fast & secure.

Deposit Anywhere is a free service and just as secure as depositing your cheque at a branch or ATM.  Plus, it’s fast.  Most people complete their deposit in less than a minute and can do it from anywhere and at any time.

Deposit Anywhere is available only through Tandia™ Mobile.  Download our mobile banking app today:

Google Play Store

App Store


About Interac e-Transfer

Interac e-Transfer® is a convenient way to exchange money quickly, easily and securely, whether you want to transfer just a few dollars or a few hundred dollars.  A transaction can be completed in as little as 30 minutes.


Send Money

You can Send Money to anyone with an email address or a mobile phone number and a Canadian deposit account. You do not need to know the recipient’s financial institution details or account information. Email and/or text message is utilized for fast notification to the recipient that a transfer has been sent.

Request Money

Waiting on a payment from someone? With the Request Money feature, you can send a request for money and if accepted by the recipient, the requested funds will be automatically deposited into your account. Email and/or text message is utilized for fast notification from the requestor to the recipient that a request for payment has been made. 

Autodeposit

You can get your money even faster and potentially save yourself the extra step of answering the security question with Autodeposit. By registering your email address with Interac, all e-Transfers sent to that address will automatically be deposited into your chosen account.

Send Money Internationally

Western Union® Money Transfers via Interac e-Transfer® allows you to send money internationally to 489,000 Western Union® Agent locations in over 200 countries where recipients can receive cash in the local currency.   As with a standard Interac e-Transfer®, you don't need to share financial information and it's accessible through online or mobile banking.


®INTERAC is a trademark owned by Interac Inc. and is used under license.*The WESTERN UNION name, logo and related trademarks and service marks are owned by Western Union Holdings, Inc. Used with permission.

About Me2Me Transfers

Members can transfer funds between Tandia accounts and accounts at other Canadian financial institutions. 


Convenient and secure

  • Me2Me Transfers are a convenient way to transfer money, saving you trips between financial institutions or an alternative to writing yourself a cheque and the expense of a wire transfer.
  • Complete and return a one-time Me2Me Transfer Authorization form to set up Me2Me Transfers through online banking.
  •  Me2Me Transfers offer the same level of security and confidentiality as online banking transactions.

Features

  • Me2Me Transfers are fee-free
  • Transfers are allowed between Canadian financial institutions only
  • Me2Me Transfers may take up to five business days to complete the clearing process
  • Money may be transferred between US dollar accounts, but both US accounts must be held at Canadian financial institutions; transfers may not be made between CDN dollar and US dollar accounts.
  • Me2Me Transfers are permitted for personal memberships only
  • Personal memberships requiring more than one signature for transactions may not use this service.
  • The per transaction/daily outgoing transfer limit is $10,000.  The per transaction/daily incoming transfer limit is also $10,000.  Weekly and monthly limits also apply; see below for details.
  • There are no additional fees for incoming or outgoing Me2Me Transfers (beyond the applicable account debit transaction fees, if any).
7 Day Period Limit:
Total Outgoing in 7 day period - $50,000; Total Incoming in 7 day period - $50,000.


31 Day Period Limit:
Total Outgoing in 31 day period - $100,000; Total Incoming in 31 day period - $100,000.

Me2Me Transfer Authorization Form

Learn more about Me2Me Transfers in the following Q & A's:

About Mobile Banking

We've got you covered

Whether you have a basic feature phone that supports text messaging or a smart phone or tablet with data or wifi, you can stay connected to your finances on-the-go with a complete suite of Mobile Banking options.

  • Tandia™ Mobile with Deposit Anywhere™ 
  • Mobile Web Banking 
  • Mobile Text Banking 

To use any of our Mobile Banking options, your mobile device must support web browsing or text messaging. Rates and accessibility will depend on your device and your carrier. Please check with your specific carrier for more information on rates for these features.

Introducing Tandia™ Mobile

Tandia™ is proud to provide a mobile app with market-leading functionality called Tandia™ Mobile, available at both the App Store for Apple mobile devices (iPad, iPhone or iPod touch) and the Google Play Store for Android mobile devices.

The app is free and immediately accessible to members who have access to online banking – the login credentials are exactly the same.


Tandia™ Mobile Highlights

 With Tandia Mobile’s fast and easy navigation, you can do all the everyday banking activities you’d expect like:

  • Review account details and transaction history
  • Pay bills and transfer money including Interac® e-Transfer 
  • Check Rates, find Branch and ATM locations and access handy financial Calculators.

In addition, with the app’s handy QuickView feature enabled, you can check your account balances anytime and conveniently at a glance without having to log in!  A single tap of the screen will keep you in the know.

And quite possibly best of all, you can now conveniently deposit cheques using your mobile device with the NEW Deposit Anywhere™ feature available only with Tandia Mobile.


Mobile Web Banking

Mobile Web Banking provides a feature-rich mobile banking website designed specifically for the web browser of a smartphone or other mobile device, like a tablet or iPad.  It delivers the same high level of security and functionality as our desktop/laptop Online Banking and has optimized it for smaller screens.  Members can easily access account activity and perform transactions without the need to pinch, scroll or zoom.

With Mobile Web Banking, you can:

  • View account balances and account history
  • Pay bills (immediate and scheduled)
  • Transfer funds (immediate and scheduled)
  • Make mobile person-to-person payments through INTERAC® e-Transfer
  • Find a branch or ATM nearby
  • Use the memorized accounts feature of Online Banking
  • View current rates
  • Access calculators
  • Contact us securely


Safe and Secure

Mobile Web Banking has you covered with the same log in and password protection as Online Banking.


Easy to Access

Mobile Web Banking works with any and all smart mobile devices and there’s no application installation or download required.  To access, simple visit www.tandia.com/m using your mobile web browser.


Mobile Text Banking

Don't have a smart phone? We have a text-message Mobile Banking solution for you too! With a text plan for your mobile plan, you can:

  • View your account balance(s)
  • View your recent transaction history
  • Add, remove or edit a cell phone
  • Add, remove or edit the accounts you view through Mobile Banking

To get started, simply login to Online Banking, click on the Member Services tab and then select Mobile Banking from the menu. It'll only take a few minutes.


About Secure Email

A more secure way to communicate with us.

Tandia's Secure Email uses encryption which is a cyber-secure method of transmitting information so only the intended recipient can read the contents of an email. This helps to ensure the confidentiality of the email and protects information from being stolen or accidentally accessed by unintended recipients.

When you Contact Us through our website, the information you share with us is transmitted securely. When we respond to you or at any time need to share information with you that is deemed as “private” and/or “confidential” because it contains personal information about you and your accounts with Tandia, you will now receive the information via Secure Email.

It's easy to use.

In order to view a Secure Email from us, a one-time registration process will be required. Simply set up a password as requested when you receive your first encrypted message, and you can easily receive emails, reply securely and add attachments to these emails.


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