Happy questions deserve happy answers.
Wondering how to open an account, move money, manage your membership, or make the most of a high interest deposit account? You’re in the right place.
We’ve rounded up helpful answers to the questions Hubert members ask most, so you can find what you need and get back to saving happy.
No. Hubert Financial is operated as a separate division of Access Credit Union and not as one of their full service branches. We are not a brick-and-mortar operation, which is why we can offer some spectacular rates!
Yes. Term maturity notices are sent by email 15 days prior to the maturity date, provided your contact details are up to date.
If you have already given maturity instructions, no further action is required. Otherwise, you can contact us to update your instructions, as changes cannot be made through online banking.
All term investments are automatically set to renew for the same term unless instructed otherwise. If you miss the renewal, don’t worry you have a 14-day grace period after renewal to update your instructions.
Hubert only offers personal accounts. You cannot open a business or trust account with Hubert.
If for some reason you wish to close your Hubert account, please give us a call at 1-855-4HUBERT (1-855-448-2378) or send us your request in writing to:
Hubert Financial
233 Main Street
Selkirk, MB
R1A 1S1
Absolutely! But first, you have to meet a few requirements. You must:
- Be at least 18 years of age
- Have an account from another Canadian financial institution
- Have a valid SIN and email address
- Be a Canadian resident*
- Agree to invest in a $5 refundable share**
Accounts will be in the name of an individual(s) only and as such may not be in the name of a corporation, business, organization or trust.
*Unfortunately, at this time, we do not offer Hubert services to Quebec residents.
**For joint memberships, each signer is required to have an individual $5.00 share.
If you need to make changes to your personal information that we have on file, you can update your profile in online banking under My Access > Settings.
Since inactive accounts are not being monitored by the account owner they pose a higher risk for fraudulent activity and have to be dealt with in a timely manner. If your account becomes inactive, we will contact you to review your account.
There is no right of redemption on any Common, Preferred, or Surplus Non-Registered or Registered shares. Share redemption requests that meet required criteria will be reviewed quarterly for consideration. All redemptions are subject to Board approval.
Surplus share redemptions meeting required criteria will be paid dividends in cash to Hubert members on a multi-year payout plan with the intention of eliminating the Surplus Share program at completion.
NOTE: Dividends are reported as Interest Income on T5. As stated in The Credit Unions and Caisses Populaires Act of Manitoba, Part V.1 Applications of the Securities Act does not apply to the issue or sale of surplus shares by a credit union. Therefore, dividends paid in the form of surplus shares are not reported as dividend income to Canada Revenue Agency. Dividends are reported as interest income and included in the total interest income earned.
Hubert Financial is a division of Access Credit Union but products offered through our virtual branches do not qualify for the patronage program.
Your member number is not the same as your account number. Your member number is used to identify yourself as a member. If you would like to know your member number, you can view it in the top right hand corner of your eStatement. You can view your account number(s) in online banking or on your eStatement.
When you join Hubert Financial, you’re becoming a member of a pretty darn awesome club. For the price of a couple of coffees (or one really fancy coffee!), you’ll be eligible for Hubert’s great savings rate and our deposit guarantee. Your $5 share* is considered an investment and is fully refundable should you decide to cancel your membership. Share redemptions will follow Access Credit Union’s equity application procedure, which begins automatically once the request for account closure is received. For additional information about closing your membership, please contact us.
*For joint memberships, each signer is required to have an individual $5.00 share.
Your share in Hubert—and subsequently Access Credit Union—provides you with one vote in credit union matters.
Yes. There is a ten-business day hold placed on cheque deposits and remote deposit cheques.
As the funds invested in Hubert products are intended to grow long-term (you know, without the high-volume withdrawals that come with operational demand accounts), we don’t offer bill payments on our products.
You’ve got a few options here but to transfer funds to one of your external accounts, we’ll need to verify it first.
If you have already established an external link to another account you can complete the preauthorized debit form or call us to initiate a transfer request to your linked external account. These transactions can take up to 3 to 5 business days for processing so please allow adequate time for processing.
Another option is Interac e-Transfer. Simply log into online banking and create yourself as an e-Transfer recipient. Send an e-Transfer to yourself and accept at your intended financial institution. Standard limits apply.
You can also provide your account details to any financial institution to request a pre-authorized debit to your Hubert savings account.
You may request a TFSA, RRSP, or RRIF transfer by completing a TFSA transfer request form or RRSP / RRIF transfer form. Simply specify your desired investment amount on the document and we will email you once the funds arrive.
Reminder: Hubert does not refund registered transfer fees charged by other financial institutions, but, we don’t charge a fee if you decide to transfer funds out of your registered Hubert account.
To make a deposit to your Hubert account you have a few options.
Option 1: Online Banking
Interac e-Transfer®—transfer funds into your Hubert account using e-Transfer from another financial institution.
Option 2: Mobile Deposit
Once your account has been established, you can use Deposit Anywhere™ through our mobile app.
Here’s how it works:
Open the Access CU Mobile App on your smartphone or tablet.
Tap on the Move Money icon > Select Mobile deposit.
Select your account and enter the amount
Snap a photo of the front and back of your cheque
Confirm the details and tap “submit”. Your account balance will be updated immediately (subject to normal holds).
Option 3: Good Old-Fashioned Snail Mail
Simply mail us a cheque that’s payable to yourself and has your Hubert account number written on the back of the cheque (so we know where to deposit the funds).
You can mail cheques to:
Hubert Financial
233 Main Street
Selkirk, MB
R1A 1S1
Option 4: Pre-Authorized Debits
You can establish a link to up to three external accounts in your name held at a Canadian financial institution by completing the external link form.
Once the link is approved, you can request a one-time transfer from your external account. External accounts established are retained and can be used to initiate future transactions. You cannot view external links or request transfers inside online banking. Please reach out to us to initiate a transfer or complete the pre-authorized debit from on our website located under forms and agreements.
Alternatively, you can arrange for a direct deposit of payroll, government deposits, or provide your account details to any financial institution to credit your Hubert Savings account.
Transfers will take up to 3 to 5 business days to process. You will start earning interest once the transfer is complete.
Please contact us to open a new registered contract. We will put together all the necessary paperwork and beneficiary information and send to you for electronic signing.
Recurring transfers are set up by completing the pre-authorized debit form (we’ll set up recurring transfers for you from your external financial institution to your Hubert Financial savings account). You can also set up a recurring pre-authorized debit for a set amount of funds on a specific date(s) of a month (or any frequency of your choosing).
If you wire funds into your Hubert account, our incoming fee is $15.01 CDN for Canadian wires or $17.98 USD for US dollar wire transfers. Please note: Hubert Financial does not send wire transfers.
Our bank number is 879 and our transit number is 44857.
Don’t worry; Hubert’s old transit number—45967—still works!
Easy! On the online banking portal, click “Forgot username or password”. Follow the steps.
Still locked out? Give us a call at 1-855-448-2378.
We share our digital platform with our parent company, Access Credit Union. At this time, only Access Credit Union members can create investment terms in online banking.
Need to create a new term? Give us a call or shoot us an email and we’ll gladly accept your investment instructions!
Hubert has zero transaction fees. Whether you’re making a deposit, transferring funds, setting up a registered account, or making a withdrawal, you won’t be charged a fee!
The only catch being that there are some services that fall outside of standard transaction fees. For example, Hubert does charge fees for wire transfers (incoming fee is $15.01 CDN for Canadian wires or $17.98 USD for US wire transfers). And we may charge a T3 preparation/filing fee or specialized estate assistance fee at $275 per hour + GST, if warranted. However, those circumstances aren’t a regular occurrence for Hubert members.
Debit cards are not available for any Hubert accounts.
Nope. Hubert Financial is focused simply on savings and therefore, we don’t provide cheques for our accounts.
Statements are available monthly in online banking. They are accessible by the tenth day of each month. You can also view your account activity right in online banking or on the mobile app.
Nope! Our Happy Savings account pays daily interest on any amount, big or small. There is no minimum balance required to earn our posted rate.
Hubert Financial is not a member of the CDIC, however, all deposits are guaranteed without limit by the Deposit Guarantee Corporation of Manitoba. Your principal and interest are guaranteed without limit. In addition, as a division of Access Credit Union, Hubert Financial is supported by its financial strength.
As a member, you can rest easy knowing that no matter what happens in the economy, your investments are safe and secure with Hubert Financial.
Yes. Each new member must complete a tax declaration form.
Sure do. We offer rate guarantees for new deposits and registered transfers:
- up to 14 days for new members
- up to 45 days for registered transfers from other financial institutions
If you wish to place a rate guarantee for any of the above, please contact us to reserve your rate today.
At this time you cannot view external links but we have retained them. You can follow instructions to request pre-authorized debit/credit. Please note, transfers can take up to 3 to 5 business days.
No—there are no monthly fees and no minimum balance required to open or maintain your account.
Yes—your funds are always available, so you can save without locking your money into a term.
Interest is calculated daily and paid monthly, helping your savings grow steadily over time.
Yes—your deposits are 100% guaranteed by the Deposit Guarantee Corporation of Manitoba, so you can save with confidence.
The Happy Savings account is designed to help you grow your savings over time, not for everyday transactions—making it a great option for goals, emergency funds, or longer-term savings.
No—Hubert’s TFSA high interest savings account has no monthly fees and no minimum balance required.
Yes—you can withdraw your money at any time, with no tax on what you take out.
The Federal Government allows Canadians, 18 or older, to contribute a certain amount to their tax-free savings account every year.
If you have an account, the government won’t tax you on any interest you earn, including capital gains. You won’t even be taxed when you take money out. If you do take money out from your TFSA, you’ll get the contribution room back the next year. If you don’t use up all the contribution room, you can carry it forward to the following year without limit.
With a TFSA, the interest you earn is tax-free—helping your savings grow faster compared to a regular savings account.
- 2009 to 2012 – $5,000 annually
- 2013 to 2014 – $5,500 annually
- 2015 – $10,000 annually
- 2016 to 2018 – $5,500 annually
- 2019 to 2022 – $6,000 annually
- 2023 – $6,500 annually
- 2024 – 2026 – $7,000 annually
More information about tax-free savings accounts is available on the Canada Revenue Agency’s TFSA website.
Yes—you can transfer an existing RRSP to Hubert. While fees from your current financial institution may apply, Hubert does not charge a fee to transfer your RRSP out in the future.
It’s never too early—or too late—to start. No matter what your future looks like, building a retirement savings plan today can help you get there with more confidence.
By the end of the year you turn 71, your RRSP must be converted. You can withdraw the funds, transfer them to a RRIF for ongoing income, or purchase an annuity.
An RRSP (Registered Retirement Savings Plan) is a government-approved way to save for retirement. It offers tax advantages that can help your savings grow faster by deferring income tax while your money is invested.
With Hubert, your retirement savings are simple and secure. There are no monthly fees or minimum balances, and all deposits are 100% guaranteed—so you can focus on growing your savings.
Yes—even if your RRIF funds are in a term deposit, you can still make withdrawals, including your required annual payment.
No—you cannot contribute directly to a RRIF. However, you can transfer funds into it from an RRSP, another RRIF, or certain pension plans.
Yes—you can choose how your RRIF is invested, with options like variable rate savings or fixed-term investments, giving you flexibility in how your money works for you.
A RRIF lets you receive regular payments to help cover your everyday expenses, while your remaining savings continue to earn interest.
There is a minimum amount you’re required to withdraw each year, but you can take out more whenever you need to.
A RRIF (Registered Retirement Income Fund) helps turn your retirement savings into income. It allows you to receive payments from your RRSP or pension over time, instead of taking it all at once.
Yes—you can redeem your investment after 3, 6, or 9 months and any interest that’s already been paid to you is yours to keep!
Interest is calculated daily and compounded quarterly, allowing your savings to grow steadily over the term.
If you stay invested for the full 12 months, you’ll earn the full average annual return, with your interest continuing to compound over time.
A minimum deposit of $1,000 is required to open a one-year quarterly term.
It’s a one-year term investment designed for short term investments, offering a strong interest rate with the flexibility to access your money throughout the year.
Unlike many traditional terms, this option gives you the flexibility to access your money at quarterly intervals—making it a great choice for short term investments that don’t lock you in.
It depends on the term you choose:
- One-year quarterly terms can be redeemed early at set intervals, and you keep any interest already paid.
- Longer terms (1 to 5 years) are non-redeemable until maturity.
You can get started online in just a few steps by opening an account here: Open your term deposit
Interest is calculated based on your term and is typically compounded annually, helping your savings grow over time.
With Hubert, you can choose terms ranging from 1 to 5 years, so you can pick the timeline that fits your savings goals.
Yes—your deposit is 100% guaranteed through the Deposit Guarantee Corporation of Manitoba, so you can save with confidence.
You’ll need a minimum deposit of $1,000 to open a term deposit and start earning interest.
A term deposit in Canada is a secure way to grow your savings by locking in your money for a set period in exchange for a guaranteed interest rate. You’ll get your original deposit back at the end of the term, along with earned interest.
A term deposit option typically offers higher interest rates than a regular savings account, making it a great choice when you’re comfortable setting aside funds for a fixed period.
TFSA term deposits are non-redeemable, which means your money stays invested until the term matures. If you need flexibility, a high-interest TFSA may be a better fit.
The key difference is tax savings. With a TFSA term deposit, any interest you earn is tax-free, helping your savings grow faster compared to non-registered terms.
Interest is calculated and compounded annually, helping your savings build steadily over time.
Yes—your deposit is 100% guaranteed through the Deposit Guarantee Corporation of Manitoba, giving you peace of mind while your savings grow.
You’ll need a minimum deposit of $1,000, and funds must first be placed into your TFSA high-interest savings account before being invested into a TFSA term deposit.
A TFSA term deposit lets you grow your savings at a guaranteed rate—without paying tax on the interest you earn. It’s a simple way to make the most of your TFSA contribution room.
You can choose from term options ranging from one year to five years, so you can match your investment to your timeline and goals.
A TFSA term deposit is a great choice if you’re comfortable locking in your savings to earn a higher, guaranteed rate. If you prefer flexibility and access to your money at any time, a high-interest TFSA savings account may be a better option.
No—if you use the funds to purchase a qualifying first home, withdrawals are completely tax-free and don’t need to be repaid.
Yes. Contributions to your first home savings (FHSA) account are generally tax-deductible, which means you may pay less income tax.
It’s easy to get started online—just follow the steps here: Open your first home savings (FHSA) account
You can contribute up to $8,000 per year, with a lifetime maximum of $40,000.
Yes. All deposits with Hubert are 100% guaranteed through the Deposit Guarantee Corporation of Manitoba, so your savings are fully protected.
No worries—you can carry forward unused contribution room (up to $8,000) to a future year, giving you flexibility to catch up when you’re able.
You can transfer your FHSA savings to an RRSP or RRIF without tax consequences, so your savings can still work toward your future goals.
A first home savings (FHSA) account is a registered savings plan designed to help first-time homebuyers save for a down payment—tax efficiently. Your contributions can lower your taxable income, your savings grow tax-free, and qualifying withdrawals are also tax-free.
To open a first home savings (FHSA) account, you must:
- Be at least 18 years old (and under 72)
- Be a Canadian resident with a valid SIN
- Be considered a first-time homebuyer
RRSP investment terms are non-redeemable, which means your funds are locked in until maturity. If you need more flexibility, a variable rate RRSP (our RRSP Savings) may be a better fit.
It’s quick and easy to begin: Open your RRSP or RRIF investment term
With a Hubert RRIF term, you can still withdraw funds at any time alongside your regular payments, giving you flexibility while earning interest.
Your savings earn interest over time while staying inside your RRSP, helping your money grow in a steady, predictable way toward your retirement goals.
Interest on your RRSP investment term is calculated and compounded annually, helping your savings grow year after year.
Yes. Your deposits are 100% guaranteed through the Deposit Guarantee Corporation of Manitoba, so you can save with confidence.
Yes, a minimum deposit of $1,000 is required to invest in an RRSP investment term.
An RRSP investment term is a fixed-term investment where you lock in your savings for a set period (typically 1–5 years) and earn a guaranteed rate of return as your retirement savings grow.
You can choose from 1 to 5-year RRSP investment terms, with longer terms typically offering higher rates.
Yes. Qtrade Guided Portfolios offers responsible investing options that consider environmental, social, and governance factors.
Not at all. Automated investing is designed to be simple. You’ll answer a few questions about your goals and comfort with risk, and Qtrade Guided Portfolios will recommend a portfolio that fits your needs.
Getting started is easy—just complete a quick profile, fund your account, and let automated investing do the rest: Get started with automated investing
You can easily track your progress using online tools and mobile apps, so you always know how your investments are performing.
With Qtrade Guided Portfolios, automated investing means your portfolio is professionally managed for you. Once you set up your account, the system takes care of the investing, monitoring, and rebalancing—no ongoing effort required.
Yes. Your portfolio is continuously monitored and regularly rebalanced by investment experts to keep it aligned with your goals.
- A fully automated service, so you don’t have to make any investment decisions
- A professionally managed portfolio of high-quality investments that are diversified across geographies, sectors and industries
- Continuous oversight and regular rebalancing by our team of experts
- Mobile apps for tracking your investments
- Friendly support from knowledgeable investment representatives by email and phone
- Investing made easy
Automated investing is a hands-off way to invest your money. Instead of making day-to-day decisions yourself, your portfolio is built, managed, and adjusted automatically based on your goals and risk tolerance.
You’ll get a professionally managed portfolio made up of diversified investments across regions, sectors, and asset types—helping balance risk while you grow your savings.
Financial advisors work with a wide range of individuals and goals. Whether you’re just getting started or planning for retirement, they can help you build a plan that fits your situation.
Financial advisors take a big-picture approach—helping you explore opportunities, build a plan, and stay on track as your life and priorities change.
It’s easy to begin. Connect with a financial advisor and start building a plan that works for you: Contact Us
No—Wealth Advisory is more than investing. Financial advisors look at your entire financial situation to build a well-rounded strategy that supports all your goals.
Financial advisors help you understand your full financial picture and create a plan to reach your goals. They look at everything from your income and savings to investments, retirement, and long-term plans.
Your financial advisors can help with a wide range of financial planning needs, including:
- Cash flow and day-to-day money management
- Tax planning strategies
- Investment planning
- Retirement planning
- Estate planning
Hubert members have access to financial advisors through Access Credit Union’s Wealth Advisory services, supported by experienced planning professionals.
No—your deposits are fully protected even if you live outside of Manitoba.
It means every dollar you deposit with Hubert is fully protected—there’s no limit on coverage, so your savings (and interest) are completely secure.
The guarantee does not cover non-deposit investments, such as mutual funds or share capital.
The guarantee covers all deposits, including savings accounts, term deposits, and even accrued interest up to the payout date.
All deposits with Hubert are guaranteed by the Deposit Guarantee Corporation of Manitoba (DGCM), which protects deposits held at Manitoba credit unions.
Simplify your experience by nicknaming each of your accounts, especially if you have several different accounts under your one membership.
- In ONLINE BANKING: Go to the Accounts tab > Customize accounts.
- In MOBILE BANKING (the app): More > General Settings > Customize Accounts
Click the little pencil icon beside the account to change its name. Boom, done.
Alerts are a great way to warn you of any suspicious transactions or changes to your online banking account.
As an additional layer of security, Alerts allow members to receive alerts via text message or email or using push notifications, so you can let us know right away if something strange is happening, and together we can take immediate action steps to fix it.
To change your security/alert settings:
- In ONLINE BANKING: visit the “Settings” section under the “My Access” tab.
- In MOBILE BANKING (the app): visit More > Alert Settings
- In ONLINE BANKING: Visit the “Password” page in online banking under the My Access tab.
- In MOBILE BANKING (the app): More > Security Settings > Password
Then, from there:
- Enter your current Password in the Current Password box.
- Enter your new password in both the New password and Confirm new password boxes.
- Click Continue.
- You will be asked to enter a one-time passcode to proceed.
- Complete the steps.
- The new Password will be required the next time you login.
Access and download an electronic version of your monthly statement anytime, anywhere. They’re secure and stored for up to seven years. Plus, you’re automatically enrolled – no sign-up required!
- In ONLINE BANKING: Go to the Accounts tab > view eStatements
- In MOBILE BANKING (the app): Accounts > Click the three dots beside the account > view eStatements
Log in to your account via ONLINE BANKING (DESKTOP OR TABLET):
Via happysavings.ca > click Sign In in the top right hand corner
1. Enter your unique 16-digit code given to you by our happy team member. Tap Continue.
2. To verify your identity, tap the calendar to select your date of birth.
3. Use the arrows on the calendar to move through and select your date of birth by tapping on it and tapping OK.
4. Enter your mobile phone number or email address we have on file for you to send an authentication code. Tap Confirm. You do not need to complete both authentication methods.
If you are unsure about or would like to verify which mobile number/email address we have on file for you, please give us a call at 1.855.448.2378.
5. Enter the code that was sent to your mobile phone or email address. Tap Confirm.
If you don’t receive your verification code, check your junk mail folder (sometimes it gets stuck in there). If still not received within 10 minutes, please resend the code. If a second verification code is requested, enter the second code you received ( if you have 2 verification codes the latest one you received is the one that you need to use). If the code is still not received, please contact us!
6. Hit Continue.
7. Set up your username.
IMPORTANT: Please note that once you’ve selected a username, it can NEVER BE CHANGED. Choose wisely and verify that your username is appearing correctly before continuing.
The guidelines for your unique username are:
- minimum 5 characters
- maximum 34 characters
- cannot be your debit card number
- cannot be your email address
- can use uppercase letters, lowercase letters, numbers, and/or the underscore and period (_ .) special characters
*If there is another member in our system with the same username, it will be rejected and you’ll have to select a new one. Kinda like when you were setting up your first Hotmail address and you had to resort to your third pick because someone else got there first.
8. Choose a unique password using the following criteria:
- Alphanumeric
- Minimum 10 characters
- Maximum 35 characters
- 1 uppercase letter
- 1 lowercase letter
- 1 number
- Optional” 1 symbol (dash -) or (underscore _)
- Tap the checkbox “I have read and accept the Direct Service Agreement”. Also known as our Electronic Services Agreement.
- Tap Continue
9. Confirm your details and tap Create user profile.
Tap Proceed to Sign In.
Sign in using your newly created Username and Password.
Update or install the MOBILE BANKING APP.
iOS (Apple devices):
If you currently have the app, please ensure it is updated by checking the App Store “Updates” section. Or, delete and reinstall the app from your device.
If you don’t have the app installed, you can find it by searching “Access CU” in the App Store or by using this direct link.
Android
The mobile app is available in Google Play at this direct link.
1. Enter your unique 16-digit code given to you by our happy team member. Tap Continue.
2. To verify your identity, tap the calendar to select your date of birth.
3. Use the arrows on the calendar to move through and select your date of birth by tapping on it and tapping OK.
4. Enter your mobile phone number or email address we have on file for you to send an authentication code. Tap Confirm. You do not need to complete both authentication methods.
If you are unsure about or would like to verify which mobile number/email address we have on file for you, please give us a call at 1.855.448.2378.
5. Enter the code that was sent to your mobile phone or email address. Tap Confirm.
If you do not receive your verification code, check your junk mail folder (sometimes it gets stuck in there). If still not received within 10 minutes, please resend the code. If a second verification code is requested, enter the second code you received ( if you have 2 verification codes the latest one you received is the one that you need to use). If the code is still not received, please contact us!
6. Hit Continue.
7. Set up your username.
IMPORTANT: Please note that once you’ve selected a username, it can NEVER BE CHANGED. Choose wisely and verify that your username is appearing correctly before continuing.
The guidelines for your unique username are:
- minimum 5 characters
- maximum 34 characters
- cannot be your debit card number
- cannot be your email address
- can use uppercase letters, lowercase letters, numbers, and/or the underscore and period (_ .) special characters
*If there is another member in our system with the same username, it will be rejected and you’ll have to select a new one. Kinda like when you were setting up your first Hotmail address and you had to resort to your third pick because someone else got there first.
8. Choose a unique password using the following criteria:
- alphanumeric
- minimum 10 characters
- maximum 35 characters
- 1 uppercase letter
- 1 lowercase letter
- 1 number
- Optional: 1 symbol (dash -) or (underscore _)
Tap the checkbox “I have read and accept the Direct Service Agreement”. Also known as our Electronic Services Agreement. Tap Continue.
9. Confirm your details and tap Create user profile.
Sign in using your newly created Username and Password.