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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 in the Approval Matrix Managing usersLogging in
Can I choose how I receive my secure access code?
Is a smartphone required for 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.
Here's what the new app icon looks like:
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 device?
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 open a new bank account on cwb.digital?
Unfortunately applying online for s new personal products through cwb.digital is not available at this time. Please contact your Relationship Manager for assistance.
Can I view my CWT and Valiant Trust products in cwb.digital?
Can 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.
cwb.digital is optimized for Google Chrome , Microsoft Edge, and Safari.
Chrome
Block or allow pop-ups in Chrome - Android - Google Chrome Help
Block or allow pop-ups in Chrome - Computer - Google Chrome Help
Edge
Block pop-ups in Microsoft Edge - Microsoft Support
Safari
Allow or block pop-ups in Safari on Mac - Apple Support (CA)Block pop-up ads and windows in Safari - Apple Support (CA)
Can I upload my business banking data into third-party software (e.g. accounting software)?
Yes, follow this process:
- Check compatibility: Ensure the third-party software supports bank statement uploads.
- Review instructions: Review the third-party software’s guidelines for uploading bank statements. Some may require specific file formats or manual adjustments.
• cwb.digital provides CSV, Excel, PDF, QFX and QBO file formats
• CWBdirect provides CSV, PDF, QIF, QBO and OFX file formats - Download statements: Access your statements from cwb.digital or CWBdirect and download them in the proper file format.
- Adjust and upload: Make any required adjustments to the downloaded file, such as removing extra rows or columns, then save and upload to the third-party software.
If you encounter issues uploading files, please contact your third-party software’s support team.
Note: Some third-party software may have an automatic connection to retrieve this data. Be careful, as establishing this connection may require you to share your login information, which violates our terms and conditions. You are responsible for all losses if your account is hacked or compromised as a result of sharing your login information, whether you shared it intentionally or unknowingly. Before proceeding, we recommend you contact the third party software’s support team to verify that you will not be sharing your login information.
CWB currently has established secure connections with Plooto and Sage accounting software. In the connection options, choose the one that says “Powered by Flinks” to ensure you are using the CWB-owned connection.
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?
Is my CWB Mastercard® credit card available on cwb.digital?
Can I view information about my CWB mortgage on cwb.digital?
Yes, you can quickly and easily find details about your CWB mortgage, including your balance, interest charged, previous period and interest rate.
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.
Can I order cheques through cwb.digital?
No, this function is currently not available. Please contact your banking centre to place an order.
Can I open additional accounts through cwb.digital?
Yes! You can open additional accounts through cwb.digital or cwbank.com. Here’s how:
1. Log in to your account on cwb.digital or select the account on cwbank.com
2. Access Account Services
a. Click on the menu icon located at the top left
b. Choose Account Services
c. Select Open New Account
i. For users with combined personal and small business accounts, select Personal
3. Find the product that meets your needs. Available accounts are:
- CHEQUING ACCOUNTS:
- Apex Account
- Gold Leaf PLUS (consider age restrictions)
- Standard Chequing
- Student Account (There are age restrictions on this account, you will be required to send supporting documentation of education enrollment.)
- US Dollar Chequing Account
- SAVINGS ACCOUNTS:
- Summit Savings
- US Dollar Savings Account
a. Choose the account(s) that you’d like to open.
b. Once the account is selected, a drop-down will appear:
i. The account’s intended use (mandatory)
ii. If you would like to add a joint account holder. There are additional steps and information required if this is selected.
c. Once completed, click Next.
4. Complete the steps for Consent, review of Disclosures and Agreements, and Confirmation.
a. You’ll receive a confirmation email about the new account opening.
b. Click Go to digital banking to return to your account dashboard. Your new account(s) will appear on the Accounts landing page.
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 third 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 my personal and business accounts linked on cwb.digital?
Can I perform an INTERAC e-Transfer® from any of the accounts in a combined profile?
Will INTERAC 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!
You can also watch our interactive ‘Pay a bill’ demo to view the steps.
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?
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?
Can I set up a recurring payment for my CWB Mastercard® credit card?
Account services
Is there a minimum and maximum amount I can pay through cwb.digital towards taxes?
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?
To view the steps, watch this short demo.
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).
Can I set up CRA direct deposit from my personal account through cwb.digital?
Yes, as a personal client, you can set up direct deposit to receive your CRA payments directly into your account. Here’s a helpful demo to watch on how to ‘Set up CRA direct deposit’.
What do I require to set up CRA direct deposit as an individual?
Can I file and remit my personal taxes through cwb.digital?
As a personal client, you can file and pay GST/HST, Corporation tax, and Payroll and Source deductions. You can also view your payment / filing history. Watch our demo ‘Pay business taxes’ to learn more.
I make payments to the CRA. Will my CRA history transfer to cwb.digital?
CRA account historical information will not be available in cwb.digital after you move.
If needed for the future, print your CRA history and your Provincial Tax history in CWBdirect® Online Banking by navigating to ‘Pay Business Taxes’, selecting ‘View History’ and printing the desired time period for both tabs.
I make payments to the CRA. I understand that my history will not transfer over. How to I set up a new CRA account?
Remote cheque deposit
Can I set a default debit account for my cheque deposits?
When desposting a cheque, can I deposit the cheque into another account, other than the default account 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?
Do my delegate(s) have access to mobile cheque deposit?
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?
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 I send secure messages?
Approving and requesting transactions in the Approval Matrix
What is an Approval Matrix and what purpose does it serve?
Where do I find the Approval Matrix?
Who is a signer and who is a delegate?
Can I complete first-time set-up of the Approval Matrix myself? Or can my CWB relationship manager do this for me?
How do I set-up the Approval Matrix? What information is required and how long will this take?
Who has access to change the Approval Matrix?
Do all signers have the same level of authority/entitlement?
How do I add or remove a signer?
Can all signers restrict other signers' ability to perform an approval or task?
Will I be notified if a signer other than me makes a change to the Approval Matrix?
Can I use the Approval Matrix on the cwb.digtial mobile app?
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 have 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. 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?
How do I receive notifications that a pending transaction is waiting for my approval?
Does each signer need to create their individual approval matrix?
Managing users
How do I set up a delegate?
Is there a maximum number of delegates that I can create for my business?
Can I disable a delegate in cwb.digital?
What actions are delegates 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.