cwb.digital Business Banking FAQs
On This Page:
General Questions Logging in Mobile banking: Using CWB's mobile app Accounts Transferring Funds Interac e-transfer® Bill Payments Account services Remote cheque deposit Messages Approving and Requesting Transactions Managing UsersGeneral Questions
I was used to my online banking. Why did it change?
Does this mean I'll have less personal contact with my CWB banker?
Logging in
Can I log into cwb.digital using either my desktop or tablet?
How do I log into cwb.digital?
You can use the cwb.digital login page or navigate to the site from our homepage on cwbank.com. From the homepage, use the drop-down menu on the top right of the page and select the link for cwb.digital. You may also want to bookmark the login page for convenient access.
Will I need to download a new app when moved to cwb.digital?
Yes, you will have to delete the old app and download the new cwb.digital app. You will also need to update your personal information such as your phone number and email.
If I have been moved to cwb.digital and try to log into the existing digital platform, what will happen?
What is the function of 'Remember Me'?
Does the 'Remember Me' function also save / remember my password?
Why do I need Multi-Factor Authentication?
Multi-Factor Authentication provides enhanced security to ensure our digital banking users are who they say they are. We send you a one-time secure access code via SMS/text or voice message to phone to confirm your identity.
Will I need to use Multi-Factor Authentication and receive a secure access code every time I log into cwb.digital?
Can I choose how I receive my secure access code?
Do I need to have a smartphone to use Multi-Factor Authentication?
Can I change the phone number I use for Multi-Factor Authentication. For example, if I lose my phone or change my number?
Will cwb.digital remember my credentials for subsequent logins?
Can I change my username?
How do I change the password for my account?
To change your password, go to Settings>Profile Settings> Change password. You can also view our interactive demo, 'Change your password', to follow step-by-step instructions.
Does my password ever expire?
My account is locked from entering an incorrect password. How do I unlock it?
You can unlock it yourself. Follow along the steps in this demo to learn how. If you require further assistance, contact 1-866-843-3917.
As an authorized signer, when I input a transaction, is it automatically approved?
Mobile banking: Using CWB's mobile app
Is there a mobile app for cwb.digital?
Yes! Mobile banking is better than ever with the cwb.digital app. Download the app from the App Store or Google Play.
Why do I need to register my device?
Is registration required on my tablet?
No, registration is not required for using a tablet.
Can I use the Face ID® and Touch ID® to sign-in to the cwb.digital app ?
Can I change to a different login method on my mobile devise?
Accounts
Can I change the list of accounts that I want to view on my dashboard?
Yes, you can set your dashboard view to see all your CWB accounts or just specific accounts. Go to Settings>Account Settings to make the change. Watch our interactive 'Manage your account settings' demo to view step-by-step instructions.
What transactions are listed in the dashboard as 'Upcoming Transactions'?
How do I get additional details on my account?
What are the different account balances I see on my account?
You can view account balances for the following types of accounts:
Chequing Account
Available balance - total deposit on your account together with unused line of credit, excluding uncleared cheques and holds.
Current balance – this is the working total of all deposits that have been made into your account including uncleared cheques and line of credit.
Savings Account
Available balance - total deposit on your account excluding uncleared cheques and holds.
Current balance – this is the working total of all deposits that have been made into your account including uncleared cheques and line of credit.
Line of Credit (LOC)
Available balance – this is the amount you can draw on from the line of credit.
Current balance – the is the amount you’ve used from the line of credit.
Mortgage
Original mortgage amount – the original amount of your mortgage.
Current balance – the amount outstanding from the original mortgage, excluding interest and late payment fees.
Term Loan
Original loan – the original amount of your loan.
Current balance – the amount outstanding from the original loan, excluding interest and late payment fees.
Lease
Original loan – the original amount of the lease.
Current balance – the amount outstanding on the lease.
Term Deposit
Original deposit – the original amount invested.
Principal investment – the original deposit or rolled over original deposit and interest (assuming the deposit has been rolled over at least once).
Can I view my CWT and Valiant Trust products in cwb.digital?
Cna I access my Business Visa Card account in cwb.digital?
Where can I find the renewal date for my investment accounts?
The renewal date is not immediately seen as part of the account listing on the dashboard. Once you click on an investment account, the maturity date and other related information will display.
How far back can I obtain statements through cwb.digital?
Why can't I view my account statement when I'm signed in through a browser on a mobile device?
The pop-up blocker on your device is stalling the display. Change the browser setting to allow pop-ups or turn off the pop-up blocker.
Can I choose to give a delegate access to my personal accounts?
With my business accounts, can I choose what accounts my delegate(s) see
Yes, you can select the business accounts you want your delegates to see. Go to User Management > Account.
For privacy and security reasons, your delegate(s)s will not be able to see your Personal accounts.
Can I select which accounts my delegates can see and make transactions on?
Transferring Funds
Do I need to add a recipient in CWB as a recipient before I make a payment?
Yes, adding a recipient is a one-time action you need to do before transferring funds to them for the first time. Once you’ve added them, the next time you need to transfer money to them you can simply proceed to ‘Move Money’.
Can I set up a future dated fund transfer?
Yes, simply indicate the date you want the transfer to be sent while setting up the transfer. Future dated transfers can be seen within the Manage Transfers>Scheduled Transfers tab or Upcoming Transactions on the dashboard prior to the transfer dates.
Can I set up a recurring fund transfer?
Can I cancel a future dated transfer?
Can I cancel a recurring transfer?
Can I cancel / delete a single occurrence in a recurring transfer?
No, you can only cancel / delete the complete scheduled series of transfers.
Can I modify a scheduled transfer?
Can delegates create a new transfer recipient?
Can a delegate transfer money on my behalf?
Yes, a delegate with the appropriate permission settings can initiate a money transfer. Once initiated, an authorized signer is required to approve and complete the transaction.
What is the repeat function on the Manage Transfers>History tab used for?
Can I send a global money transfer through cwb.digital?
Interac e-transfer®
Can I request an Interac e-Transfer® from a 3rd party?
Yes, if you have pre-authorization from the third party to initiate the request.
Can I set up a future Interac e-Transfer® payment?
Can I cancel an Interac e-Transfer® payment?
Am I able to change my Interac e-Transfer® sender profile?
Can I adjust the amount of the Interac e-Transfer® limits?
Can I create multiple sender profiles if I have more then one business linked on cwb.digital?
Can I perform an Interac e-Transfer® from any of the accounts in a combined profile?
Will Interact e-Transfer® limits be changed or be able to be adjusted as part of cwb.digital?
I received an Interac e-transfer for money but do not have an Interac profile set up. What should I do to fulfill the request?
Bill Payments
Can I pay bills online?
Absolutely! Paying bills online is easy and secure. Here's how:
- Set up the biller as a payee from the list of billers
- Enter the amount and the payment date
- Select the account you want to make the payment from.
It’s that simple!
Do I have to add a biller as a payee before I can making payment?
Yes, adding a biller is a one-time action you need to do before paying a biller for the first time. Once you’ve added them, the next time you need to pay them you can simply proceed to ‘pay payee’. Watch our interactive ‘Manage payees’ demo to view the steps.
If I can't find my bill payee on the list of billers can I add my billers to the list?
No, please contact your banking centre to make this request. We would be happy to add bill payees on your behalf.
Can I set up a future dated bill payment?
Can I set up a recurring bill payment?
Can I change the dollar amount of my recurring payment?
Is there a maximum bill amount I can pay at a time?
Yes, the maximum single bill payment amounts are as follows:
- CRA Business Tax = $2 million
- Alberta Tax = $2 million
- CRA Personal Tax = $1 million
- Credit Card= $500,000
- All other bill vendors = $1 million
How long do I have to cancel a same-day bill payment?
You have until 11:59pm MST to cancel a bill payment set up for same day processing.
Can I cancel a future-dated or recurring bill payment?
Yes, simply go to the list of scheduled payments to identify the bill and cancel it.
Can I set a default debit account for my bill payments?
Can I pay a bill from a different CWB account other than my default debit account?
Yes, simply change the debit account when making the bill payment.
Will I be able to view the previous transaction activity of a bill payee?
Yes, you can view the last six months of transaction activity for each bill payee.
Are bill payments made in real time?
No, bill payments, including payments made to your CWB Mastercard® credit card, can take up to 5 business days to process. Please take this into account when determining when to make your payments.
Can delegates create a bill payee?
Can delegates pay bills?
Account services
Is there a minimum and maximum amount I can pay through cwb.digital?
Yes single payment amounts are subject to the following limits:
CRA Tax
- Minimum = $0
- Maximum Business Tax = $2 million
- Maximum Personal Tax = $1 million
Alberta Tax
- Minimum = $0
- Maximum = $2 million
Can I register for direct deposit with the Canada Revenue Agency (CRA)?
Yes. On the menu, go to Account Services > CRA Direct Deposit for Businesses. A valid business number and a payroll account (RP) are required to be eligible for this service. Watch our interactive demo to view the steps.
What do I require to set up CRA direct deposit for my business?
If I had a saved CRA form, will it be moved to cwb.digital?
Can I pay my business taxes using cwb.digital?
Can I make a CRA payment over $2 million in a single transaction?
No, payments above $2 million must be split into two different transactions with amounts under $2 million each. When making two payments on the same day, the amounts must be different (i.e., first payment amount $501,000 and second amount $499,000).
Remote cheque deposit
Can I set a default debit account for my cheque deposits?
When depositing a cheque, can I change the default account from what was previously selected?
Yes, you can do this by changing the credit account when going through the remote cheque deposit process.
When I deposit a cheque through my mobile app, will my balance update in real time?
How do I obtain a void cheque?
Contact your banking centre to obtain a pdf of a void cheque. You can also find the same information contained on a void cheque by simply viewing your account details. This can be helpful for setting up pre-authorized payments.
Am I able to request a cheque book from within cwb.digital?
Do my delegate(s) have access to mobile cheque deposit?
Yes, if the delegate has been set up with this permission, they can use this feature.
Messages
What types of alert notifications can I receive?
You can choose to be alerted when secure information is changed on your profile and when a transaction is carried out. Make sure you have enable alerts and set your preferences to receive alerts.
Can I choose how I receive alert notifications?
Yes, you can choose your preferred method. Available options are SMS/text, push notification, notification center and email.
If I have alerts, scheduled bill payments, or transfers currently set up, will these move to cwb.digital?
Can send secure messages?
Approving and Requesting Transactions
Can I approve pending transaction as an authorized user for my delegates?
Yes. When a delegate performs a transaction, it will appear in the transaction manager or in the menu under Accounts>Approvals as a request that needs your action. You may choose to either approve or reject the transaction. Learn how to do this by watching our step-by-step demo.
What is the '"Due By" date I see when I perform a transaction that requires approval?
Can I see the status of the requests I've submitted for approval?
Can I recall a pending transaction that I sent for approval?
Do I need to approve a transaction that I created if I am also one of the Authorizers required for the transaction?
How much time do Authorizers to approve a transaction?
The time required to approve a particular transaction is tied to the payment date of the transaction. For immediate payments, authorizers have until 8:00 p.m. Mountain Standard Time (MST) to approve the request. For future dated payments, transactions need to be approved before 8:00 p.m. MST on the day before the scheduled payment date.
Can I approve multiple transactions at once?
What are Expired Transactions?
These are transactions that were not approved before the “Due by” date. Once expired, transactions can no longer be approved or rejected.
Why do I no longer see some Approved, Rejected, Recalled, and Expired transactions on the transaction manager?
To keep this information current, transactions are automatically removed from the transaction manager after 35 days.
Can I perform transactions on my tablet as I do through my browser?
Can I approve or reject a transaction using the mobile app?
Managing Users
How do I set up a delegate?
Is there a maximum number delegates that I can create for my business?
Can I disable a delegate in cwb.digital?
What actions is a delegate permitted to make?
Do all delegates have the same permissions?
No, you have the flexibility to assign delegates with different types of permissions. When creating a delegate, the authorized signer can select different accounts they can view, features they can use, and which actions they can perform.
How do I create a role to assign to my delegates?
Do delegates have limits on transactions?
Authorized signers can define transaction limits for delegates. Limits can be set up per transaction or as daily and weekly transaction limits for every delegate. All delegate transactions require approval from an authorized signer.