Financial Services Agreements
Review important information about your personal or business account. Using your account means you accept our terms and conditions.
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.
Privacy Code
Your comfort is important to us. Explore our privacy policies and how we protect your personal and financial information.
Accounts, Services, and Disclosures
Joint Accounts and Power of Attorney (POA)
It’s important to know the advantages and risks of joint accounts and Power of Attorney (pdf). Planning can help you:
- Manage your money and property today
- Help you and your loved ones manage your affairs in the future
However, you should never feel pressured to open or sign either.
Please note: If you're opening a joint account with a POA, we may require you or your attorney to present the original POA or a notarized copy of the POA. We will require proper identification from both you and the attorney to meet anti-money laundering and other legal requirements.
See our informational brochure - What every older Canadian should know about Powers of Attorney and Joint Bank Accounts (pdf).
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.
A Credit Union with National Reach
We are a federal credit union headquartered in Saskatchewan.
Our deposit insurance is offered through Canada Deposit Insurance Corporation (CDIC).
Service Concerns
Making you happy is our everyday goal. If you have a concern about the service we provide or the products we offer, please tell us. See our Problem Resolution brochure (pdf) for more details.