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Get instant access to your DUCA personal and business accounts anytime and anywhere with the DUCA Mobile Banking App — available for iPhone®, iPad®, iPod touch® and Android™ devices. Here's what you can do from the palm of your hand:

  • Access account balances and transaction history

  • Transfer funds between DUCA accounts

  • Send an Interac e-Transfer®

  • Pay bills conveniently 24/7 and even set up recurring payments

  • Deposit cheques by taking and sending a picture (see below*)

  • See balances instantly without logging in using the “QuickView” option

  • Manage alerts — a security feature that notifies you by text, email, or pop-up message whenever your account has been accessed for certain purposes such as to change a password, add a payee or e-transfer recipient, and more.

  • Touch ID for iOS devices only — allows you to use your own unique fingerprint to sign in eliminating the need for a password, if you have enabled this feature on your phone.

  • Landscape and Portrait modes for tablets only so you can have a wide screen view.

  • Message Indicator for Small Business Accounts — the sum of unread messages and pending approvals is now indicated by a number on the home page’s “Messages” icon.

While the DUCA Mobile Banking App is free, service charges apply to certain account services. For service charges associated with personal accounts, see DUCA’s personal banking account service fees. In addition to these fees, your mobile carrier may charge you for using browser-related services on your mobile device.

Getting started

  1. To access your accounts from a mobile device, first you must be registered for DUCA online banking. If you’re not registered yet, please visit the nearest DUCA branch to set up your personal access code (PAC or password)

  2. Then, download the app from either the App Store or Google Play! It's that easy.

  3. Use the same login credentials that you use for online banking.

If you need support, please contact Member Connect at 1.866.900.3822 or email

*Deposit Anywhere™

With The DUCA Mobile Banking App, you can deposit a cheque without having to stop in at a branch or visit an ATM. Just take a picture of it and the app will walk through the steps to deposit.

Looking for a surcharge-free ATM?

Don't pay extra fees to use an ATM! DUCA is on THE EXCHANGE Network where ATM transactions are free! With thousands of ATMs on this network, there's always one close by. Discover the closest ATM here or download the free ATM finder here for your phone and stop paying ATM fees.

Terms and conditions

Use of the DUCA Mobile App is subject to the terms and conditions found in the DUCA's Online Agreement.

The DUCA Mobile Banking App employs strict security measures to help protect your accounts from unauthorized transactions.

If you incur losses due to unauthorized online banking or debit card transaction activity you will be reimbursed as long as you fulfill all of your responsibilities under DUCA's Member Agreements.

iPhone, iPod Touch, and iPad are trademarks of Apple Inc. registered in the United States and other countries. Apple Inc. is not a sponsor or participant of Mobile Banking for DUCA.

Android and Google Play are trademarks of Google Inc.

DEPOSIT ANYWHERE is a trademark of Central 1 Credit Union. DUCA Credit Union is a licensed user.

® Trademark of Interac Inc. Used under license.

AODA Multi-Year Accessibility Plan
For information on DUCA's AODA Multi-Year Accessibility Plan click here.


Accessibility for Persons with Disabilities Policy

In accordance with the Accessibility for Ontarians with Disabilities Act, 2005 (AODA, or, the Act), this policy has been developed to ensure that all employees, Members, prospective Members, visitors or the general public, and applicants for employment have fair and equitable access to DUCA Financial Services Credit Union Ltd.’s (DUCA) programs and services and to improve opportunities for persons with disabilities.


This policy applies to all employees, Directors, independent consultants, contractors, Members, prospective Members, visitors or the general public, and applicants for employment.


Accessibility: means giving people of all abilities opportunities to participate fully in everyday life. It is used to describe how widely a service, product, device, or environment is available to as many people as possible.  Accessibility can be seen as the ability to access and benefit from a system, service, product, or environment.

Accessible Formats: may include, but are not limited to, large print, recorded audio, and electronic formats, braille and other formats usable by persons with disabilities. 

Assistive Device: a technical aid, communication device, or medical aid modified or customized, that is used to increase, maintain, or improve the functional abilities of persons with disabilities.

Barrier: anything that prevents a person with a disability from fully participating in all aspects of society because of their disability, including a physical barrier, an architectural barrier, an information or communications barrier, an attitudinal barrier, a technological barrier, a policy or a practice.

Communication Supports: may include, but are not limited to, captioning, alternative and augmentative communication supports, plain language, sign language and other supports that facilitate effective communications.

Disability: Under the AODA, disability is defined in the same manner as in the Ontario Human Rights code:

  1. Any degree of physical disability, infirmity, malformation, or disfigurement that is caused by bodily injury, birth defect, or illness and, without limiting the generality of the foregoing, includes diabetes mellitus, epilepsy, a brain injury, any degree of paralysis, amputation, lack of physical co-ordination, blindness or visual impediment, deafness or hearing impediment, muteness or speech impediment, or physical reliance on a guide dog or other animal, or on a wheelchair or other remedial appliance or device;

  2. A condition of mental impairment or a developmental disability;

  3. A learning disability or a dysfunction in one or more of the processes involved in understanding or using symbols or spoken language;

  4. A mental disorder; or

  5. An injury or disability for which benefits were claimed or received under the insurance plan established under the Workplace Safety and Insurance Act, 1997.

Service Animal: an animal is a service animal if it can be readily identified as one that is being used by the person for reasons relating to the person’s disability as a result of visual indicators such as the vest or harness worn by the animal or if the person provides documentation from a regulated health professional as outlined in the Act that the person requires the animal for reasons relating to the disability.

Support Person: a person who accompanies a person with a disability to help with communication, mobility, personal care, medical needs, or with access to goods, services, or facilities.

Statement of Commitment

DUCA is committed to ensuring equal access and participation for people with disabilities. DUCA is committed to treating people with disabilities in a way that allows them to maintain their dignity and independence. DUCA believes in integration and we are committed to meeting the needs of people with disabilities in a timely manner. This will be accomplished by removing and preventing barriers to accessibility and meeting all accessibility requirements under the AODA and Ontario’s accessibility laws.


Training: DUCA is committed to training all employees, Directors, and independent contractors in Ontario’s accessibility laws and aspects of the Ontario Human Rights Code that relate to persons with disabilities. 

Training is provided to all new employees upon hire and on an ongoing basis for existing employees to ensure all employees remain current with any policy or procedural changes as it relates to the AODA Customer Service or other Standards. 

Training is specific to employees’ roles and will include:

  • How to interact and communicate with persons with various types of disability
  • How to interact with persons with disabilities who use an assistive device or require the assistance of a guide dog or other service animal or the assistance of a support person
  • How to use equipment or devices available on our premises or otherwise provided by DUCA that may help with the provision of goods, services, or facilities to a person with a disability
  • What to do if a person with a particular type of disability is having difficulty accessing our goods, services, or facilities

Self-Service Kiosks: DUCA considers accessibility for people with disabilities when designing, procuring, or acquiring self-service kiosks.

Information and Communications: DUCA communicates with people with disabilities in ways that take into account their disability. When asked, we will provide information about our organization and its services, including public safety information, in accessible or alternative formats or with communication supports. 

DUCA will also meet and maintain internationally-recognized Web Content Accessibility Guidelines (WCAG) 2.0 Level AA website requirements in accordance with Ontario’s accessibility laws.

Service Animals: DUCA welcomes persons with disabilities and their service animals. Service animals are allowed on the parts of the premises that are open to the general public. While visiting any DUCA location, it is the responsibility of the person with the service animal to keep the animal under control at all times. 

In the event an employee or Member has allergies to a service animal or expresses discomfort, DUCA will offer alternate reasonable arrangements.

Support Persons: DUCA is committed to welcoming people with disabilities who are accompanied by a support person. Consent will be obtained from the person with a disability prior to communicating confidential information related to their business with DUCA in the presence of the support person.

Assistive Devices: DUCA is committed to serving people with disabilities who use assistive devices to obtain, use or benefit from goods, services, or facilities, or with the availability of other measures, if any, which enable them to do so. Employees are familiar with various assistive devices that may be used by persons with disabilities while accessing goods or services. DUCA is committed to purchasing technology as required to ensure accessibility in accordance with the AODA and all associated regulations.

Employment: Employees, applicants for employment, and the general public, are notified that accommodations can be made during recruitment including any assessment and selection processes.

Employees are notified that supports are available for those with disabilities in all aspects of employment including performance management, career development, and redeployment. DUCA has a documented process in place to develop individual accommodation plans and return to work programs for employees who have a disability or have been absent from work due to a disability.

Where needed, DUCA will also provide customized emergency information to help an employee with a disability during an emergency.

Design of Public Spaces: We will meet accessibility laws when building or making major changes to public spaces. Currently, DUCA’s public spaces include:

  • Exterior paths of travel e.g. sidewalks, ramps, stairs, curb ramps, rest areas, and accessible pedestrian signals
  • Accessible off-street parking
  • Service-related elements e.g. service counters, fixed queuing lines, and waiting areas

Procedures are in place to prevent service disruptions to the accessible parts of our public spaces.

Notice of Temporary Disruption: DUCA will make every reasonable effort to provide Members with notice in the event of a planned or unexpected disruption in the services or facilities usually used by persons with disabilities. This notice will include information about the reason for the disruption, the anticipated duration, and a description of alternative facilities or services, if available.

DUCA will not be able to give advance notice in case of an emergency or unanticipated disruption.

Notices will be posted in accessible locations (including the website, if possible). Printed notices will be clearly laid out, of sufficient size and easily readable, and they will be displayed prominently at entrances, on notice boards, at service workstations, or self-service kiosks.

Feedback: DUCA is committed to providing fair and equal access to facilities, products, services, employment and programs for everyone, including persons with disabilities.

Feedback may be provided in person, by telephone, in writing, by email, or in an accessible format or with communication supports upon request.  DUCA’s public website contains information relating to complaints, the feedback process, and contact information.

All feedback related to accessibility should be directed to the People & Culture department.

Changes to Existing Policies: We will review and modify or remove an existing policy that does not respect and promote the dignity and independence of people with disabilities.

This document is publicly available. Accessible formats are available upon request.