Effective January 1, 2026: Conexus Credit Union 2006, Cornerstone Credit Union Financial Group Limited, and Synergy Credit Union Ltd. amalgamated as Conexus Credit Union. Learn more.
Support centre
Digital Mortgage Renewals
To learn more about the process visit our support page here.
You can access your documents:
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Through the Accounts menu on the website
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Through the More menu on the mobile app
No, payment amounts shown exclude property taxes. If you currently pay taxes with your mortgage, they’ll still be included in your total payment.
Not at this time. The current digital renewal flow doesn’t allow changes to payment frequency or amount.
You’ll automatically receive the lowest rate available for your chosen term if a better rate becomes available after you’ve completed your renewal and before your maturity date.
What if rates have increased since I last viewed rates through the digital mortgage renewal feature?
Rates displayed in digital banking are in real time (current day). If rates have gone up since you last viewed them, the previous rate is no longer available.
Connect with an advisor if you have any questions.
No, you’ll only see rate options from the same product you’re currently in (Flex or Value).
If you’re considering switching products, a Financial Advisor can walk you through the options available.
There could be a few reasons:
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The primary member must complete their portion first – only then will the option appear for joint members.
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If you’ve already renewed through a Financial Advisor, the option will no longer display in digital banking.
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Your mortgage is joint with a POA (Power of Attorney).
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The renewal option is removed from your digital banking one day prior to maturity.
If one of these reasons doesn’t apply to you, please contact a Financial Advisor. You can book an appointment here.
For a joint mortgage, the primary will need to initiate the online renewal process before other holders are able to act. It will take approximately 1 hour after the primary completes the renewal for the prompt to appear in the other holders digital banking. All parties will be provided with the final documentation once the renewal is complete.
debitMastercard Pending Transactions
Pending transactions are pre-authorizations (also called holds) that haven't been posted to your account. Transactions will appear under Pending until the transaction is processed or after 5 (calendar) days, whichever is sooner then it will be posted under activity.
Pending transactions are subtracted from your Available Balance at the time of purchase. Available balance = (balance + line of credit limit – holds).
Purchases you have made online or internationally with your debit Mastercard. These transactions will be visible in digital banking under Pending.
Yes, purchases may temporarily show under Pending and Transactions at the same time. This has no effect on your balance, and this does not mean that you will be charged twice. You will only be charged for the transaction once it is posted. It can take up to 5 (calendar) days for a transaction to disappear from under Pending.
Debit card use is rising, and sometimes people forget to log when it was used. We show pending transactions to remind you of funds that have already been committed to spending via your debit card. By being able to see these, you will know what funds are truly available, thus giving you an up-to-the-minute reflection of your available balance.
The timing depends on when the vendor charges your card. For example, with items sold and shipped by Amazon, your card is charged when the order enters the shipping process, not at the time of purchase. For more details, we recommend reviewing the vendor's support page for their specific billing practices.
No, cheque holds do not appear in digital banking under pending. The funds deposited will not be included in your balance until the hold has expired. To view account holds, refer to Holds under Account Details.
Aviso Financial Inc. investment account linking
This feature allows you to connect your Aviso Wealth and Qtrade accounts to your online and mobile banking, providing you with a more comprehensive view of your financial portfolio. Eligible accounts include:
- Aviso Wealth
- Qtrade Direct Investing®
- Qtrade Guided Portfolio®
Aviso Wealth (formerly Credential Asset Management and Credential Securities), Qtrade Direct Investing, and Qtrade Guided Portfolios – are divisions of Aviso Financial Inc.
Online (Web Browser): Click here or log in, open the navigation menu at the top, and go to Accounts → Aviso Financial Inc. You can also find it at the bottom of your My Accounts page.
App (Android v1.0.59 or Apple v1.0.54): Make sure your app is up to date. Log in, tap My Accounts at the bottom left, scroll to the bottom, and tap Add an account, or find it under More (bottom right).
You can find your Client ID on the first page of your statement, by logging into your Aviso or Qtrade account, or contacting your wealth advisor.
If you are unable to locate your Client ID, please contact your Wealth Advisor for assistance.
No, you will need to make an appointment with your Wealth Advisor to add funds to your investment accounts.
If your Aviso Wealth or Qtrade accounts were linked on our previous digital banking platform, they should now appear automatically.
If you’re missing an account, it may not have been linked previously. Please try linking it, and if you’re still experiencing issues, contact our Member Contact Centre for assistance.
Aviso Online and Qtrade applications display intraday pricing, meaning values update throughout the day. In contrast, Conexus digital banking shows end-of-day pricing. This difference in pricing updates may cause variations in the data displayed across these platforms.
Only individual personal accounts can be linked. However, the ability to link business is planned for future updates!
Two-Factor Authentication and One-Time Passwords
The purpose of two-factor authentication is to have a second layer of protection to minimize the risk of fraudulent attempts and help maintain security.
We do this by sending a one-time password (OTP) to your OTP default channel for certain activities. OTPs are numeric security code (up to 6 digits). The code is time sensitive and valid only for a limited amount of time.
Features that have two-factor authentication are:
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Registering for digital banking/First time login
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Forgot password/Self-serve password reset
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Add a bill payee
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login - when using a new device and browser for the first time
Entering an OTP incorrectly three times will lock your OTP credential and you will need to contact us to unlock your credential.
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Navigate to the two-factor authentication page based on the current application you’re using:
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Online (web browser): Log in and go to My Conexus at the top > Choose Security > Two-factor authentication
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App (Android and Apple): Log in > at the bottom right-hand corner of the main menu, click More > My Conexus > Security > Two-factor authentication
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Select the channel you'd like to receive one-time passwords – SMS (text messages) or email. We recommend opting for SMS as it is the more secure channel.
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Input your contact information. Click validate. A one-time password will be sent to you.
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Once validation is complete, click save at the bottom of the page. Done!
We have created a Two-Factor Authentication Security Updates support page with videos and Q&As to help support you through the process. If you have any further questions or need assistance with two-factor authentication, please don’t hesitate to contact our Member Contact Centreat 1-800-667-7477. We are here to help you!