Safeguarding your transactions is a priority for us.  Banking online is as safe as going to your local branch.  We use the latest encryption for all your personal data, ensuring your banking transactions are safe and secure.

Very few.  Online Banking and Phone Banking are free services to members.  There are fees, however, associated with some transactions such as stop payment, and INTERACT® e-Transfer if not included in your monthly account type or you surpassed your allowable bundled transactions.  When you conduct a transaction for which there is a fee, you will receive a message informing you of the fee and the opportunity to cancel the transaction if you do not wish to proceed.

Online transactions such as transferring from account to account, will take effect immediately unless the payment or transfer is future dated.  Bill payments can take up to 3 days for your payee to process, so ensure you make a payment a few days before the due date to avoid late charges.

No worries.  Simply contact your branch during normal business hours to initiate the required correction or call 1.800.665.5728 to speak to one of our representatives.

Getting started is simple. You need just two things:
1. A computer with an internet connections
2. A Personal Access Code (PAC), the key to your accounts.  If you don’t have a PAC, you can get one at any Kootenay Savings branch.

Contact your branch during normal business hours and we’ll be happy to assist you or call 1.800.665.5728 to speak to one of our representatives.  For your protection as well as Kootenay Savings, you will be asked a series of security questions.  If you would like to have one of our representatives contact you, simply click here to submit a request by email.

To obtain your personal banking information, click here or visit your local branch or phone 1.800.665.5728 to speak to one of our representatives.

Fraud Lock was introduced to our online banking platform to reduce credit card fraud.  When you add a credit card to your list of payees, there is a minimum 48 hour delay before payments can be made to the newly added credit card.  This delay can be removed by contacting your branch after adding the credit card to Online Banking or by calling 1.800.665.5728.

The new features require that you have JavaScript enabled in order to access the online banking site.

 
If you use Internet Explorer, go to the Tools menu > Internet Options. On the security tab, select Internet. Click on the Custom Level. Scroll down to Scripting. Select “Enable” (or “Prompt”) for “Active Scripting”. Click OK to save changes.  Then hit F5 to refresh your browser. The login should now work.

If you use Firefox browser, go to Tools menu. Click on the Content icon. Check “Enable  JavaScript”  Click OK to save changes. Then hit F5 to refresh your browser. The login should work now.

Login to our full-featured mobile site at  www.kscu.com/m. This is a secure platform that does not download images, making browsing faster with older smart phones, PC's and helps with poor/slower internet connections.  This website will also work on a smart phone.  *Data charges may apply.

 

You will be asked to select 3 challenge questions, such as “What was the name of your high school?”  and provide the answer.  If you answer these questions incorrectly three times in future browsing sessions, your account will be locked for security reasons.  To have your account unlocked please call 1.800.665.5728 and one of our representatives will unlock your account.

By checking the checkbox “Register this computer”, it means that the computer will be registered as “trusted” and therefore you will NOT be prompted to answer the security question again until the browser’s cookie is cleared.  When you clear your browser, you will be asked to answer your security question, or you can re-register your computer. You should never register a public or shared computer for security reasons.

Try to clear your browser’s cache and all temporary files. Close your session and re-launch a new one.