Terms & Conditions

Find important information about your accounts and services.

Accounts

Financial Services Agreements

Review important information about your personal or business account. Using your account means you accept our terms and conditions.

Digital Services

Electronic Services Agreement

View our electronic services agreement (pdf) to learn more about the terms and conditions that apply to our digital services like

  • online banking,
  • mobile app, and
  • telephone banking.

Using any digital service means you accept the terms and conditions.

Cards

Credit & Debit Cards

We follow the codes of conduct set out by the Canadian credit and debit card industry.

The codes:

  • ensure you’re aware of costs,
  • give flexibility for lowest-cost options, and
  • let businesses decide which cards they accept.

Review the Code of Conduct for the Credit and Debit Card Industry in Canada (pdf), the Canadian Code of Practice for Consumer Debit Card Services, or learn more about the code on the Financial Consumer Agency of Canada's website.

Federal

A Credit Union with National Reach

We are a federal credit union headquartered in Saskatchewan.

Our deposit insurance with CUDGC has switched to the deposit insurance Canada Deposit Insurance Corporation (CDIC) provides. If you are a current Innovation member, there is a transition period