Services
Online Investing
Do-it-yourself investing made easy with Qtrade Direct Investing™ and VirtualWealth®. Whether you’re an expert trader or just starting out, we have the tools and resources you need to reach your investment goals.
Qtrade Direct Investing™ |
You’ve got goals. For your future. For your family’s future. Pursue them with the confidence that comes from expanded investor knowledge and expert insights. And from tools that help guide your investment decisions. We’ve partnered with Qtrade Direct Investing™ to give you the confidence to buy and sell stocks, bonds, ETFs, and mutual funds - with low trading fees.
Move forward with Canada’s best online trading support. You can count on Qtrade. Friendly and responsive client service. Online self-help. How-to videos. An extensive library of articles and learning resources. And more. The key to investing confidence is in your hands. Qtrade can help you work toward your financial goals today. Open an account. Not ready to commit? Take Qtrade for a spin with a 30-day free trial account. Sign up. Online brokerage services are offered through Qtrade Direct Investing, a division of Credential Qtrade Securities Inc. Qtrade, Qtrade Direct Investing, and Write your own future are trade names and/or trademarks of Aviso Wealth Inc. |
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VirtualWealth® |
A smart, easy way to invest VirtualWealth offers investment portfolios for a wide range of investor needs, including Responsible Investing options. Core portfolios track the performance of Canadian, U.S. and global stock and bonds. Responsible Investing portfolios make a positive impact beyond a financial return. The investment managers evaluate investments based on environmental, social and governance performance and work directly with companies to encourage improvements in their sustainability as well as their growth. Getting started is easy. Tell VirtualWealth a little about yourself and you’ll receive a recommendation for an expertly designed portfolio that fits your needs. Then fund your account online and VirtualWealth will do the rest for you. VirtualWealth provides:
Get started with VirtualWealth today. A service you can trust VirtualWealth is powered by Aviso Wealth, one of Canada’s leading independent financial services providers. Aviso oversees billions in assets under administration and management. It is owned by the provincial credit union Centrals, The Co-operators/CUMIS and Desjardins.VirtualWealth is a trade name of Credential Qtrade Securities Inc., Member of the Canadian Investor Protection Fund. VirtualWealth is a trade name of Credential Qtrade Securities Inc., Member of the Canadian Investor Protection Fund. |
Wealth Management
Secure your future and protect your wealth with expert financial advice for every step in your journey.
Sterling Wealth Management |
RCU has partnered with Sterling Wealth Management to offer financial planning, insurance and investment services in the Pembina Valley area. They are able to offer services from all of the major insurance and investment companies, which allows them to provide a wide selection of investment and insurance products to meet your current and changing needs. Whether your goals are short term or long term, Sterling Wealth Management can work with you to achieve your personal investment goals. Their personal financial advisors offer you one-on-one service and a personal promise that they will review your portfolio to ensure it keeps up with your changing lifestyle and personal investment goals. |
Virtual Wealth
Digital advice from VirtualWealth ®
A smart, easy way to invest
VirtualWealth is a simple and convenient digital investing service that provides you with a professionally managed, low-cost portfolio to match your personal financial goals, timeline and risk tolerance.
VirtualWealth offers investment portfolios for a wide range of investor needs, including Responsible Investing options. Core portfolios track the performance of Canadian, U.S. and global stock and bonds. Responsible Investing portfolios make a positive impact beyond a financial return. The investment managers evaluate investments based on environmental, social and governance performance and work directly with companies to encourage improvements in their sustainability as well as their growth.
Getting started is easy. Tell VirtualWealth a little about yourself and you’ll receive a recommendation for an expertly designed portfolio that fits your needs. Then fund your account online and VirtualWealth will do the rest for you.
VirtualWealth provides:
- 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
Get started with VirtualWealth today.
A service you can trust
VirtualWealth is powered by Aviso Wealth, one of Canada’s leading independent financial services providers. Aviso oversees billions in assets under administration and management. It is owned by the provincial credit union Centrals, The Co-operators/CUMIS and Desjardins. VirtualWealth is a trade name of Credential Qtrade Securities Inc., Member of the Canadian Investor Protection Fund.
VirtualWealth is a trade name of Credential Qtrade Securities Inc., Member of the Canadian Investor Protection Fund.
Introducing VirtualWealth from VirtualWealth on Vimeo.
Deposit Anywhere™
With Deposit Anywhere™, you can quickly and securely deposit cheques with your smartphone or tablet, from anywhere, day or night.
You can deposit upto 10 free cheques per month and it is just as secure as depositing your cheque a branch. Plus, it’s fast! Most people complete their deposit in less than a minute. So whether you’re at coffee with friends, at work, or staying up late to get your banking done—any time is the right time to deposit cheques.
Here’s how it works:
- Open the RCU Mobile Banking app on your mobile device.
- Tap “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”. That's it!
Download the app today:
Frequently Asked Questions
What is Deposit Anywhere™?
Deposit Anywhere™ is a feature offered within RCU’s mobile banking app. It allows mobile app users to deposit Canadian cheques by taking a photo of them and submitting them to RCU, anywhere, anytime, quickly and securely.
How do I get it?
Deposit Anywhere™ is a feature on the Rosenort Credit Union mobile banking app, which is available for Apple and Android devices. You can find it by searching for “Rosenort Credit Union” in the App Store.
What devices are compatible with Deposit Anywhere™?
- iPhones, iPods, iPads.
- Android smartphones and tablets.
Are there any fees for using it?
There are no fees when using Deposit Anywhere™ for the first 10 deposits/month. Each subsequent deposit will be $0.50.
Is depositing cheques with a mobile phone safe?
Yes – Deposit Anywhere™ and all features on our mobile app meet the same high standards as our online banking services.
What types of cheques can I deposit?
Currently, only cheques payable in Canadian Dollars and from Canadian financial institutions can be deposited. They must be payable to and endorsed by the account holder.
How long does it take for my money to be available in my account?
Similar to in-branch or ATM deposits, standard holds on items may apply and funds may require up to 2 business days to clear.
What should I do with my cheque afterwards?
Once you have submitted the cheque using Deposit Anywhere™ you do not need to send it to us. You are required to keep it for 90 days and then you must destroy it within 120 days.
How many cheques can be deposited?
There is no limit to the number of cheques that can be deposited.
Is there a limit on the amount of the deposit?
No, there is not a daily deposit limit.
What happens if I enter the wrong amount by mistake?
No worries, mistakes happen. We double check all deposit information to ensure the correct amount is being deposited to your account. Please contact us if you notice a mistake once the cheque has cleared.
How will I know if there is an issue after depositing my cheque?
In the rare circumstance that there is an issue with the deposit, we will contact you directly or you can contact us.
Virtual Wealth
Digital advice from VirtualWealth®
Invest your money, not your time.
Digital advice, or robo-advice, from VirtualWealth is a simple and convenient online investing service that provides you with a professionally managed, low-cost portfolio to match your personal financial goals.
Getting started is easy. Tell us a little about yourself and your goals and decide how much you want to invest. VirtualWealth will invest your money in a well-diversified portfolio of exchange-traded funds (ETFs). Your portfolio is continuously monitored and automatically rebalanced, so you don’t need to spend time selecting or adjusting your investments.
VirtualWealth provides:
A professionally managed portfolio with a carefully designed asset mix to suit your requirements
Automatic rebalancing to keep your investments on track, no matter what happens in the markets
Friendly support from knowledgeable representatives by email and phone
Get started with VirtualWealth today.
A service you can trust
VirtualWealth is part of Qtrade Financial Group, the team behind Qtrade Investor, one of Canada's top-ranked online brokerages (according to The Globe and Mail, MoneySense and Surviscor), and the asset manager OceanRock Investments Inc., which has been recognized for fund performance and management quality with awards from Morningstar and Fundata Canada. That technology and investing expertise goes into making VirtualWealth a user-friendly, secure and stable service that you can rely on.
VirtualWealth is a trade name of Qtrade Securities Inc., Member of the Canadian Investor Protection Fund.