Ways to Bank

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Introduction

These Terms of Use (“Terms”) govern your use of any eligible Credit Union debit card (“Card”) when you add or keep your Card in a mobile wallet (“Wallet”) for use on any eligible device (“Device”) that supports the use of the Wallet.

Please read these Terms carefully. If you add or activate your Card for use in a Wallet, it means that you accept and agree to these Terms. In these Terms, "you" and "your" means each Credit Union member who has been issued a Credit Union Card. "We", "us", and "our" mean Credit Union.

Other Documents and Agreements

These Terms are in addition to, and supplement, all other agreements between Credit Union and Member regarding Credit Union’s products and services. If there is any conflict or inconsistency between these Terms and the other agreements, then these Terms will take priority and govern with respect to the Wallet service.

You understand that your use of the Wallet will also be subject to agreements or terms of use with the relevant Wallet Provider (“Wallet Provider”) and other third parties (such as your wireless carrier and the websites and services of other third parties integrated with the Wallet).

Use of Cards in the Wallet

If you want to add a Card to a Wallet, you must follow the procedures adopted by the Wallet provider, any instructions provided by us, and any further procedures the Wallet provider or we adopt. You understand that we may not add a Card to a Wallet if we cannot verify the Card, if your account is not in good standing, if we suspect that there may be fraud associated with your Card or for any other reason we determine at our sole discretion. The Wallet allows you to make purchases using your Card wherever that Wallet is accepted. Wallets may not be accepted at all places where your Card is accepted.

Removal, Blocking, or Suspension of Card

We may not permit the addition of a Card to a Wallet, or we may remove, suspend or cancel your access to a Wallet at any time, if we cannot verify the Card, if we suspect that there may be fraud associated with the use of the Card, if your account is not in good standing, if applicable laws change, or for any other reason we determine at our sole discretion.

You may suspend, delete or reactivate a Card from a Wallet by following the Wallet Provider’s procedures for suspension, deletion or reactivation. In certain circumstances, your Card may be suspended or removed from the Wallet by the Wallet Provider.

Maximum Dollar Limit

Payment networks, merchants or we may establish transaction limits from time to time in their or our discretion. As a result, you may be unable to use a Wallet to complete a transaction that exceeds these limits.

Applicable Fees

We do not charge you any fees for adding a Card to the Wallet. Please consult your Card agreement for any applicable fees or other charges associated with your Card.

Your mobile service carrier or provider, Wallet Provider or other third parties may charge you service fees in connection with your use of your Device or the Wallet.

Security

You must contact us immediately if your Card is lost or stolen, if your Device is lost or stolen, or if your Card account is compromised. If you get a new Device, you must delete all your Card and other personal information from your prior Device.

You are required to contact us immediately if there are errors or if you suspect fraud with your Card. We will resolve any potential error or fraudulent purchase in accordance with the applicable account agreement.

You agree to protect and keep confidential your Wallet Provider ID and passwords. If you share these credentials with others, they may be able to access a Wallet and make purchases with your Card or obtain your personal information.

Before using a Wallet, you should ensure that only your credentials are registered on your Device as these will then be considered authorized to make transactions related to your Card. If the credentials of another person are used to unlock your Device or make transactions, these transactions will be deemed to be authorized by you.

You are prohibited from using a Wallet on a Device that you know or have reason to believe has had its security or integrity compromised (e.g. where the Device has been "rooted" or had its security mechanisms bypassed).

The Wallet Provider is responsible for the security of information provided to them or stored in the Wallet

Liability for Loss

You are solely responsible for all account transactions made using your Card processed through a Wallet. You are responsible for the completeness and accuracy of the account information you enter into the Wallet. Only the individual member whose name is associated with the Card should add the Card to a Wallet.

Privacy

You consent to the collection, use and disclosure of your personal information from time to time as provided in our privacy policy, which is available on our website. We may share with or receive from the Wallet Provider such information as may reasonably be necessary to determine your eligibility for, enrollment in and use of a Wallet or its features you may select (for example, your name and details such as Card number and expiry date).

The Wallet Provider may aggregate your information or make it anonymous for the purposes set out in its privacy policy or terms of use. To help protect you and us from error and criminal activities, we and The Wallet Provider may share information reasonably required for such purposes as fraud detection and prevention (for example, informing the Wallet Provider if you notify us of a lost or stolen Device).

Communications

You agree to receive communications from us, including emails to the email address or text message to the mobile number you have provided in connection with your Card account. These communications will relate to your use of your Card(s) in the Wallet. You agree to update your contact information when it changes by contacting us. You may also contact us if you wish to withdraw your consent to receive these communications but doing so may result in your inability to continue to use your Card(s) in the Wallet.

No Warranty and Exclusion of Liability

For the purpose of this Section, “Credit Union” means Credit Union and its agents, contractors, and service providers, and each of their respective subsidiaries. The provisions set out in this section shall survive termination of these Terms.

The Wallet service is provided by the Wallet Provider, and Credit Union is not responsible for its use or function. You acknowledge and agree that Credit Union makes no representations, warranties or conditions relating to the Wallet of any kind, and in particular, Credit Union does not warrant: (a) the operability or functionality of the Wallet or that the Wallet will be available to complete a transaction; (b) that any particular merchant will be a participating merchant at which payments with the Wallet are available; (c) that the Wallet will meet your requirements or that the operation of the Wallet will be uninterrupted or error-free; and (d) the availability or operability of the wireless networks of any Device.

Credit Union will have no liability whatever in relation to the Wallet, including without limitation in relation to the sale, distribution or use thereof, or the performance or non-performance of the Wallet, or any loss, injury or inconvenience you suffer. You may want to consider keeping your physical Card with you to use in the event you cannot make Wallet transactions.

Changes to the Terms of Use

We may change these Terms, or the agreements associated with the use of your Card with the Wallet. You agree to any changes to these Terms or agreement(s) associated with the use of your Card or account by your continued use of your Card with the Wallet. If you do not accept the revised Terms or agreement(s), you must delete your Card from the Wallet.

Contacting Us

You may contact us about anything concerning your Card or these Terms by calling 902.492.6500.

If you have any questions or complaints about the Wallet, or disputes with the Wallet Provider, you should contact the Wallet provider.

Sending funds:

To send funds, follow these steps:

Autodeposit

Q: What is Interact Flash®?

A: Interac Flash® is a payment technology that allows you to make smaller, everyday purchases simply by holding your CUA debit card up to an Interac Flash®-enabled point-of-sale terminal – no personal identification number (PIN) required.

Q: Where can I pay using Interac Flash®?

A: Many retailers accept Interac Flash®. Point-of-Sale terminals will display a contactless symbol to let you know you can tap and pay using your CUA debit card.

Q: Which account will my Interac Flash® purchase be charged to?

A: Purchases made using Interac Flash® will be debited from the chequing or savings account that’s designated as primary on your CUA debit card. By default, this is set up as your chequing account. If you don’t have a chequing account, purchases will be debited from your savings account.

Q: Are there fees for using Interac Flash®?

A: There are no fees associated for using Interac Flash®; however, it’s a good idea to keep in mind that purchases made using Interac Flash® are counted as debit transactions toward your monthly account service package.

Q: Are there limits on how much I can purchase using Interac Flash®?

A: Yes. With Interac Flash®, you can tap and pay to make single purchases up to $250 without needing to enter your PIN. For purchases over $250, you will still be able to insert your debit card and enter your PIN to complete your payment. As an added safeguard, Interac Flash® also has a $400 maximum daily spending limit. This is the sum of all the contactless payments that you have made with your card since entering your PIN. When this limit is reached, you will be asked to insert your card and enter your PIN. Entering your PIN will reset your limit so you can continue to use Interac Flash® for future purchases. It is also possible that a retailer may impose limits other than the transaction limits listed above. If this situation occurs, please let us know by calling our Customer Contact Centre at 1.902.492.6500.

Q: Is Interac Flash® secure?

A: Yes. Interac Flash® uses the latest chip technology and has unique security features that protects each transaction. Payments made using Interac Flash® are covered under Interac’s Zero Liability Policy, which protects you from unauthorized use of your card.

Q: Can I accidentally pay for something if I stand or hold my debit card too close to a point-of-sale terminal?

A: For Interac Flash® to work, a terminal would need to be ready to receive a debit transaction and your card would need to be within four centimeters of the front of the machine. It is very unlikely to make an accidental payment.

Q: What if I don't want to use Interac Flash®?

A: The Interac Flash® function has a Zero liability guarantee for members, making use of the card risk free. However, Interac Flash® is an optional feature and intended to offer you more convenience.  You can choose to not use this feature and continue using your CUA debit card to make purchases by inserting your card into the machine and entering your PIN.

Q: How do I activate a new Interac Flash® debit card?

A: When you receive your new Interac Flash® CUA debit card, it will have a new number on the front, but it will still contain your existing PIN.  To activate your new card, enter your existing PIN at a debit machine the first time you use it.  Once this is done, your new card is activated and so is the Interac Flash® feature.

Q: What CUA cards can I use with my mobile wallet?

Q: What is Interac e-Transfer?

A: Interac e-Transfer is a fast, secure and convenient way to send money to anyone in Canada from within the security of your online banking service. It uses email or text messaging for fast notification to the recipient that a transfer has been sent, while the participating financial institutions transfer the funds using established and secure banking procedures.

Q: How secure is Interac e-Transfer?

A: Interac e-Transfer is one of the safest digital money transfer services in the world. When you send money using Interac e-Transfer, the money is transferred using established and secure banking procedures that financial institutions have used for years to settle cheques, bank machine deposits and withdrawals. Money never travels by email or text - these are simply used to notify you that money was sent or requested, as well as to provide instructions to deposit.

Q: How does it work?

A: To send an Interac e-Transfer, all you need is an email address, online access to your bank account at a participating financial institution, the email address or mobile phone number of the person that you are sending money to, and a security question to be answered by the recipient. Email and/or text messages carry the notification while the financial institution use existing payment networks to transfer the money to any financial institution in Canada. Enter your transfer information, including the recipient, how the recipient will be notified, the amount, and from which account the funds will come, then click "Send Transfer" and you're done.

Q: What is the security question and answer for?

A: The security question and answer is information that should only be shared between the sender and the recipient of the Interac e-Transfer. It is one of the methods for validating the recipient of the money transferred using Interac e-Transfer. If the security question is answered incorrectly more than three times, the transaction will automatically cancel.

Q: What happens if the recipient does not answer the security question correctly?

A: The sender will receive an email notifying them at the recipient failed to answer the security question correctly. The email will also contain instructions for reclaiming and depositing the funds.

Q: Are Interac e-Transfers time sensitive?

A: Yes. Interac e-Transfers expire 30 days after they are sent if they have not been responded to or completed by the recipient. After 30 days, the recipient will not be able to deposit the funds. Also, the sender will receive an email instructing them to deposit the funds back into their account.

Q: How will I know when my contact/recipient has received the Interac e-Transfer?

A: The sender will receive a notification, by text or email, whatever is the selected preference, once the contact / recipient has deposited the funds into their bank account.

Q: How do I stop or cancel an Interac e-Transfer?

A: You can stop an Interac e-Transfer only if the recipient has not yet accepted the transferred funds. There is no fee to stop an Interac e-Transfer.

To stop an Interac e-Transfer:

1. Sign into your CUA Online Banking or CUA Mobile Banking App;
2. Mouse over "Transfers & Payments" tab then select "History", under the "Interac e-Transfer" heading;
3. Your pending Interac e-Transfers will be shown; select the Interac e-Transfer you wish to cancel, then click "Continue"
5. Review your information and click "Confirm" to stop the transfer.

Q: Are there limits on the amount I can send?

A: Like many financial transactions, there are limits on the amount you can send. The following are the current limits: 

Effective July 8, 2021, you are now able to receive e-Transfers up to $25,000, with no limits on daily, weekly, or monthly e-Transfer transactions.