Access Credit Union and Crosstown Civic Credit Union
officially merged on January 1st.

Project teams have been established and work groups have been meeting virtually to execute their tasks.

What you can look forward to in 2021:

  • Improved account and service lineup with benefits and solutions for everyone
  • Enhanced online and mobile banking
  • Support for the communities where you live, work and play
  • A fresh new look for our legacy credit union branches
  • Increased accessibility with our 26-branch network

We’ve begun integrating our operations and in spring 2021 we will unify our website, online and mobile banking apps, and banking systems to complete the full Access Credit Union experience.

In the meantime, members can continue to bank using their respective online banking websites and mobile apps. It’s also business as usual for cheques, debit cards, pre-authorized payments, investments, loans and mortgages.

Jump to section:
Timeline | Products | Banking Systems | Brand | Patronage | Service | Statements

Coming soon:
Support for banking system integration – scheduled for May 7-9, 2021


Spring 2019
The respective Boards of Directors for Access and Crosstown Civic began discussions and conducted initial reviews for a potential merger between our two organizations.

November 2019
It is announced publicly that Access Credit Union and Crosstown Civic Credit Union are in merger discussions.

December 2019 – February 2020
Business case was built and the respective boards made their recommendation. Formal communications provided regular information and progress updates throughout the process.

March 19, 2020 – Postponed
The vote originally planned for March 19th was postponed to support the local and national efforts to reduce the spread of COVID-19.

June 2020
Voting occurred. Special Meeting of Members was held via teleconference on June 25th where results of the vote were announced. Both credit union memberships voted favourably for the merger.

January 1, 2021
The new Access Credit Union organization begins. Members will start to see the new branding on our website, social media, on community space signage, and in the 26-branch network beginning in January 2021. Integration activity information will be shared.

Late Spring 2021
Information technology integration, specifically aligning the two banking systems and the online banking platforms, is scheduled.

Please watch this section for updates in early 2021.


New Year, New Account Lineup

We are excited to launch our new, consolidated product lineup and service fee structure on January 1, 2021.

Most products remain the same with added benefits, although you may see a new name or two.* We carefully assessed each product to keep the best benefits for members, including:

  • Monthly interest payments on most interest-paid accounts
  • Free INTERAC e-Transfers® on many account packages
  • Competitive interest rates (including variable TFSAs)

Where you need us to be, at any stage of your life. We’re offering you solutions and choices for every stage of life: starting out, mid-career, and retirement, plus everything in between.

Please review the documents below for further information on the new product lineup and service fee structure.

Note: Members with significant changes to existing accounts will receive a separate letter to communicate this change.

Personal Account Notices

Grow Accounts: All Grow accounts that no longer meet the age requirements of the account will receive a letter notification. Members are welcome to contact the Member Solutions Centre at 1.800.264.2926 in advance of receiving their letters to discuss your options.

Draw Accounts: Effective April 1, 2021, Draw Account Fees will be posted to member accounts in real-time. For example, if a member overdraws their main chequing account on the 12th of the month and again on the 20th of the month, the $3 charge would be charged in real-time to the account the funds were drawn from on the 12th and 20th. No further charges would be added to the members’ monthly statement at month-end.

Investment Notices

Discontinued Investment Terms: The new Access Credit Union offers registered and non-registered investment products with one- to five-year terms in six month increments. After careful consideration, we have discontinued the 7-11 month term products. Legacy Access Credit Union members with 7-11 month product terms maturing in 2021 will have funds transferred to the equivalent registered variable product which are offered at a better rate of interest. If you wish for your funds to be invested in an alternative product or account, please contact the Member Solutions Centre at 1.800.264.2926 to discuss your options.

TFSAs Transferred: As of January 1, 2021, your TFSA plan currently held under Crosstown Civic Credit Union’s TFSA specimen plan will be transferred to Access Credit Union’s specimen plan. Concentra Trust remains as the trustee, while all administration and processing continues to be conducted directly at the credit union. Note, this amendment does not alter the investment(s) held in your TFSA plan in any fashion.

Download your copy of the Declaration of Trust governing Access Credit Union’s TFSA specimen plan.

Tax Free Savings Account Withdrawal Fees: The fee structure for TFSAs will be changing for legacy Crosstown Civic members effective May 7, 2021. After this date, members will receive one FREE TFSA withdrawal per month. Any subsequent withdrawals will be charged at $5.00 per withdrawal. Fees are charged at the end of the month and will be reflected on your monthly statement.

Collabria Credit Cards

Existing Collabria credit cards for both legacy credit union members remain unaffected and will continue to work as usual.

Though most other areas have been integrated, there are still some places where we are not fully aligned. One of these areas is our Collabria card offering and online platform.

The MyCardInfo sites are linked to the individual credit union platforms. To log into your existing Collabria account via MyCardInfo:

  • Legacy CCCU members must log in from the MyCardInfo link OR mobile app.
  • Legacy Access members must log in from the MyCardInfo link OR mobile app.
  • If members try to log in from the wrong MyCardInfo site/app, they will get an error message saying their account credentials do not exist.

Banking Systems

In spring 2021, we’ll integrate our banking systems to unify our 26-branch network, online banking and mobile app banking experience.

Please watch this section for updates and how to prepare for integration.


We promised that we would develop a refreshed brand with the Access name—a brand that reflects both credit unions, demonstrating the beginning of a new organization while respecting the legacies of our pasts. We delivered on that promise by creating a focused and inspiring brand that capture what the new Access Credit Union stands for. We will start to roll out the new Access Credit Union brand in early 2021. If you haven’t seen it yet, check it out here.


Crosstown Civic Credit Union (CCCU) will payout 2020 patronage to legacy CCCU members in February 2021 according to the existing Member Rewards program. For details, please visit the Crosstown Civic website.

New Access Credit Union patronage program details are still in development. Please check back for updates.


Banking Services

It’s business as usual for cheques, debit cards, pre-authorized payments, investments, loans and mortgages.

All existing account numbers and debit cards issued by the legacy credit unions will continue to operate as normal. As old cards expire, you can expect to see a whole new look when you receive your new one.

There are no changes expected for personal cardholders of Collabria credit cards. Business members will be migrated to Mastercard from VISA in 2021. More information will be shared in Q1 2021.


All existing branch locations, staff, and hours remain the same for both legacy credit unions.

Member Solutions Centre

The Member Solutions Centre—previously the Member Services Centre for legacy Access Credit Union members—can be reached at 1-800-264-2926. The existing Crosstown Civic Credit Union Member Solutions Centre phone number will be automatically redirected for a set time period.

New hours of operation, effective January 4, 2021:

Monday to Wednesday from 8:30 a.m.-to 5:00 p.m.
Thursday and Friday from 8:30 a.m. to 6:00 p.m.
Saturdays from 8:30 3:30 p.m.

Online & Mobile Banking

Members can continue to bank using their respective legacy credit union websites and mobile banking apps. Legacy Access can expect a new digital experience with new website and mobile app in early 2021. Crosstown Civic members will follow after banking system integration in late spring 2021.

Telephone Banking

Members can continue to use telephone banking as they do today.


The last legacy credit union statements will be received in early January as the year-end statement. The new Access-branded statements will be received thereafter. At this time, there are no changes to member statement cycles.