FAQ

CUA is a full-service financial institution offering a complete line of personal chequing and savings accounts for personal and business customers.

CUA’s transit number is 33373. 

Transit and institution numbers are required for setting up direct deposit. You can download a copy of the Direct Deposit Enrollment Form here.

View our branch and ATM locations here. You can contact CUA by visiting one of our eight branches or Commercial Centre, by phone (902.492.6500 or toll-free 1.800.474.4282), by email (info@cua.com), or by mail (350-7105 Chebucto Road, Halifax NS, B3L 4W8). You can also connect with us on Facebook, Instagram and X (previously known as Twitter).

CUA branches are open Monday to Friday. CUA's ATMs are accessible 24 hours a day. View individual branch hours of operation »

Our customers experience a different approach to banking as a customer of CUA. We offer a full range of financial products and services - just like banks - but our focus and priorities are different. Because our focus is on helping customers reach their full financial potential, customers can always expect sound advice from our financial experts.

We’re also focused on our communities. Our Board of Directors consists of qualified professionals with experience in governance, strategy and community matters. We invest profits into our community, providing a positive social and economic impact. we invest in products and services to support our customers' financial well-being. As customer-owners, they are the recipients of CUA's strong financial position. Investing in the business to better serve our customers and to foster growth is integral to achieving CUA's mission and vision. We know our customers by name, we understand their goals and dreams, and we are always looking for opportunities to make a difference.

You can perform transactions at an ATM at any credit union in Atlantic Canada as well as ATMs nationally through the “ding-free” ATM network. This network includes 66 locations in Nova Scotia and over 5,000 across the country. At an ATM you can withdraw or deposit cash, deposit a cheque or transfer money between accounts. 

You can also conveniently do many of these same transactions through online banking and the mobile banking app, as well as additional transactions such as bill payments and sending and receiving Interac e-Transfers. 

Whether you’re working in Alberta or vacationing in British Columbia, we have you covered from coast to coast with more than 3,200 "ding-free" ATMs on THE EXCHANGE® and ACCULINK® networks. As a credit union member, you can access your accounts and perform deposits, withdrawals, transfers, balance inquiries and PIN changes at any one of these ATMs.

Your account number is issued to you when you first became a customer with CUA. It is also the number you use to log into Online Banking. If you are uncertain or if you have forgotten your account number, please call our Customer Contact Centre at 902.492.6500.

You can access your account information several ways including Online Banking, Mobile App Banking and Telephone Banking. By logging into Online Banking, you are able to review the last seven years of account history - including transactions - for chequing and savings accounts, term deposits, RRSP, RRIF, loans and mortgages. Once logged on, navigate to “Accounts” then to “Account Activity”. CUA also offers environmentally-friendly online e-Statements, a paperless and secure alternative to receiving traditional paper statements in the mail. E-Statements are stored online and available for seven years. You can also access your account information by visiting one of our ATMs or, if you would prefer to speak to a teller, visiting a branch near you.

If you are not currently registered for Online Banking, please call our Customer Contact Centre at 902.492.6500 or visit any CUA branch.

Every Canadian with a bank account is eligible for direct deposit should their employer offer the service. To set up direct deposit with your employer, provide them with either a void cheque or a direct deposit authorization form. You can download the direct deposit authorization form here, call our Customer Contact Centre at 902.492.6500, visit a CUA branch near you, or access through online banking.

Holds are placed on cheques when a cheque cannot be verified or when CUA needs time to confirm that the person or company who gave you the cheque has sufficient funds in their bank account. A temporary hold is normally placed on deposits made through an ATM after hours, until it can be verified that the cheque will clear through the originating banking institution. The decision to hold funds is typically based on a number of factors including length of time you’ve been a member, your account balance and transaction history. The hold period is designed to account for the time it takes for most negotiable items to clear back to the financial institution they are drawn on. Speak to a CUA representative about overdraft protection or automatic hold release by calling our Customer Contact Centre at 902.492.6500 or by visiting any CUA branch.

You can request a “stop payment” on an individual cheque, on a series of cheques, or on the next pre-authorized debit in a series that you have pending on your accounts by going to your branch or calling CUA's Customer Contact Centre at 902.492.6500. A fee may be applied to the stop payment request.

As a provincially regulated credit union, CUA’s deposit insurance is provided by the Nova Scotia Credit Union Deposit Insurance Corporation (NSCUDIC). Members are guaranteed for deposit insurance coverage up to $250,000 with CUA, which is significantly more than the $100,000 offered by chartered banks.

CUA is committed to protecting members from security risks and fraud. While not required, providing notice to CUA will minimize the risk that your travel-related debit and credit card purchases may be blocked and declined as potentially fraudulent transactions. To register your notification, call the Customer Contact Centre at 902.492.6500.