Plan 24

Provides interest and account access at the depositor's convenience. Interest calculated on closing daily balance and credited to the account at the end of the month.

• Unlimited MemberDirect® Banking
• $ 0.45 Credit Union ATM Withdrawal
• $ 0.35 POS
• Unlimited Deposits
• $ 0.35 Debit Transaction
• $ 0.35 Withdrawal
• $ 0.35 Electronic Debits
• $ 0.50 Bill Payments
• Unlimited Electronic Credits
• Unlimited Night Deposits (where applicable)
• INTERAC† ATM - $ 1.25
• CIRRUS® ATM - $ 2.00

Special Savings

• Interest calculated on the minimum monthly balance and paid on the last day of June and December
• No minimum balance required
• No chequing privileges

What do I need to open an account?

To open an account, certain legislative conditions must be met. You will be required to:

• complete account opening documentation
• provide your name, address and date of birth
• indicate if you will be operating the account on behalf of a third party
• provide two pieces of identification, one of which must be either a driver's license, Canadian passport, birth certificate, social insurance number, provincial health card, Indian Status Card or similar identification

you may open an account regardless of your employment status

How do I access my money?

You can access the money in your account either in person at the credit union with the help of a teller or by processing a self-serve transaction at an ATM, by Internet Banking. These debit transactions will be subtracted from the amount in your account.

Internet Banking Privacy Policy and Information

Internet Banking Security

Internet Banking Legal Notice

What is a debit transaction?

A debit transaction is any transaction where money comes out of your account. Writing a cheque, paying a bill, taking money out of an ATM, transferring money between accounts or buying something at a store with your debit card are all debit transactions.

Debit transactions at a teller are:

• cash withdrawals (taking money out of your account at the credit union)
• transfers between accounts at your credit union (this means switching money from one account to another account)
• bill payments at the credit union

What is a self-serve transaction?

A self-serve transaction is a transaction that you make without the help of a teller. Banking by phone, on the Internet or at an ATM are all examples of self-serve transactions.

Self-serve debit transactions are:

• cash withdrawals (taking money out of your account at an ATM)
• transfers between accounts at an ATM, by phone or on the Internet
• bill payments at an ATM, by phone or on the Internet writing cheques
• store purchases using your debit card
• pre-authorized payments
• What is a pre-authorized payment?

You may sign an agreement allowing a company to take money out of your account to pay a bill on a monthly or annual basis. This agreement authorizes the company to process a debit against your account. For example, if you enter into a pre-authorized payment arrangement with your phone company, the phone company would take the money out of your account each month to pay your phone bill.

What is a debit card?

A debit card is a plastic banking card that allows you to do most of the same things at an automated teller machine (ATM) that you would do at an in-branch teller. You may also use this card to buy things at stores. The amount you can spend at stores is limited to the amount of money you have in your account. Daily ATM withdrawal limits may apply to the amount you are able to withdraw through an ATM.

A pass code must be used with a debit card. This pass code is your Personal Identification Number or PIN. As the PIN must be used every time you complete a transaction with your debit card, you will need to remember the PIN. Never tell anyone this number, and don't write it down or keep it in your wallet.

Fair Sales
Our Commitment to You

The credit union is committed to dealing fairly in its relationship with you. We will provide relevant and meaningful information pertaining to products and services we offer to enable you to make informed decisions.

We will from time to time offer you products and services that we feel will help you meet your financial goals. However, in so doing, you will not be unduly pressured to buy a product or service that you do not want in order to obtain another desired product or service. The credit union may show its interest in your business or appreciation of your loyalty by offering preferential pricing or bundling of products and services with more favourable terms. These practices should not be confused with coercive tied selling.

What is bundling of products and services?
Products or services are often combined to give consumers better prices, incentives or more favourable terms. By linking or bundling products or services, businesses are often able to offer them to you at a lower combined price than if you bought each product on its own. Bundling of products is permitted because you have the choice of buying the product or service individually or as a package.

Preferential Pricing

Preferential pricing means offering individual members a better price or rate on all or part of their business. We may be able to offer you preferential pricing - a higher interest rate on investments or a lower interest rate on loans - if you use more of our products or services.

Coercive Tied Selling

Coercive selling is imposing undue pressure on or coercing a person to obtain a product or service from a particular person, including a credit union or any of its affiliates, as a condition of obtaining another product or service from the person or entity.

The law allows us to apply reasonable requirements on consumers as a condition for granting a loan or to provide a specific service. We consciously limit our requirements to the extent necessary for us to manage our risk or cost or to comply with the law.

We will not knowingly take advantage of anyone through manipulation, concealment, abuse of privileged information, misrepresentation of facts or any other unfair dealing or unethical activity.

Fairness

We will not discriminate against you on the basis of race, religion, age, pregnancy, marital status, gender, sexual orientation, ethnic or social origin, disability, color, ethics, belief, culture, language or birth, except to the extent that a distinction is required or justified by any law or to the extent that the factor has commercial implications or if a special product or service offering is designed for all members of a particular target market group.

For more information:

If you have any questions about your dealings with our credit union, please talk to one of our representatives.