To open an account, you will be asked for personal information and identification. At all times your personal information and privacy are protected.

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; and
• provide at least one piece of government issued identification*, such as 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.

* Identification must be an original that is current and valid (no photocopies).

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

Self-serve debit transactions include the following:

• 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; and
• pre-authorized payments.

A debit transaction is any transaction where money comes out of your account. Examples include:

• cash withdrawals (taking money out of your account at the credit union or at an ATM);
  
• writing a cheque;
  
• paying a bill at a credit union, at an ATM, by phone, or on the Internet;
  
• pre-authorized payments;
  
• transferring money between accounts; and
  
• Interac direct payment (buying something at a store with your debit card).
  

You can access the money in your account:

• in person at the credit union with the help of a teller;
• through a self-serve transaction at an ATM, or by Internet or telephone banking; and
• by using your debit card to make store purchases. These debit transactions will be subtracted from the amount in your account.