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Changes to account details and access 

    We’re updating our banking system and changing how your shares and registered accounts are displayed, aligning them with the members they belong to. 

    This change enhances our data accuracy and allows us to better serve our members, like you, in the future. 

    What do I need to do? 

    • No action is required at this time 
    • Your view in online banking and the mobile app will be updated to align with what you currently see on your account statements 
    • You will only see the registered accounts like TFSAs and RRSPs that are in your name 
    • You will only see your own $5 shares, instead of a combined balance of joint member shares

    Below is an example of what you may currently see in online banking and the new view you will see as a result of the changes to shares and registered accounts.

    In this example, the blue boxes show registered accounts and shares belonging to James, while pink boxes show registered accounts and shares belonging to Sarah and boxes showing both colours depict joint accounts. In the new view, James can now only see his joint accounts with Sarah, his $5 shares, and his RSP, while Sarah can see her joint accounts with James, her $5 shares, and her TFSA.









    For more information, please review the FAQs below or contact our Member Service Centre at 1 888 440 4480 (open Monday to Friday from 8 am to 8 pm and Saturday from 9 am to 5 pm).

    Frequently asked questions

    We’re updating our banking system to better align shares and registered products like TFSAs and RRSPs. This enhances our data accuracy and enables us to serve you better in the future.
    • Shares: You will only see your own $5.00 shares on your statement listed under your membership number. You will no longer see a combined balance of the shares owned by other joint account holders. 
    • Registered Accounts: You will only be able to view and contribute to registered accounts and terms that belong to you. Any registered accounts belonging to joint members will no longer be visible.
      Note – impacted registered accounts include Tax Free Savings Accounts (TFSA), Registered Retirement Savings Funds (RRSPs), Registered Retirement Income Fund (RRIF), First Home Savings Account (FHSA), Locked In Retirement Fund (LIRA), and Life Income Fund (LIF) 
    • All other account types: There will be no change to other accounts including chequing, non-registered savings, lines of credit, loans, or mortgages. You will continue to see accounts belonging solely to you, and accounts held jointly with others in online banking.
    If you don’t currently have online banking access, please visit your local branch or contact the Member Service Centre at 1 888 440 4480 for assistance.
    • Shares: You will only see your own $5.00 shares on your statement listed under your membership number instead of the combined balance of joint member shares. 
    • Registered Accounts: There will be no changes to your registered accounts like TFSA and RSPs on your statement. 
    • All other account types: There will be no changes to other accounts including chequing, non-registered savings, lines of credit, loans, or mortgages. You will continue to see accounts belonging solely to you, and accounts held jointly with others in online banking.
    No, existing recurring transfers to your registered accounts won’t be affected by this change. Going forward, only the member to whom the registered accounts belong will be able to set up and manage new recurring transfers.
    No action is required from you at this time. The changes will happen automatically, and you will see the updated information on your statement.
    No, there will be no other changes to your registered accounts and terms including Tax Free Savings Accounts (TFSA), Registered Retirement Savings Funds (RRSPs), Registered Retirement Income Fund (RRIF), First Home Savings Account (FHSA), Locked In Retirement Fund (LIRA), and Life Income Fund (LIF). Your ability to manage, access, withdraw from or contribute to these accounts won’t be impacted. Your contribution and withdrawal limits will remain the same, and your funds will remain sheltered from tax, with no tax implications.
    If you have any questions or need assistance, please contact our Member Service Centre at 1 888 440 4480 or visit your nearest branch.

    How to reach us

    Call our Member Service Centre

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    1 888 440 4480

    Monday to Friday
    8 am - 8 pm

    Saturday 9 am - 5 pm

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