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
We follow the 10 Principles of the Credit Union Code for the Protection of Personal Information:
- Accountability - We have designated a Privacy Officer who is accountable for our compliance with the principles of the Code.
- Identifying Purposes - When we ask you for personal information, we will identify the purposes for which it will be used or disclosed.
- Consent - We require your knowledge and express or implied consent for the collection, use or disclosure of personal information.
- Limiting Collection - The collection of personal information is limited to the purposes we have identified for you.
- Limiting Use, Disclosure, and Retention - We will use or disclose your personal information only with your express or implied consent, or as required by law. We will retain your information for only as long as is necessary to fulfill identified purposes.
- Accuracy - We will keep your information accurate, complete and up to date as is necessary for the purposes for which it is to be used.
- Safeguards - We will protect your personal information with appropriate security safeguards.
- Openness - We will make specific, understandable information readily available to you about our personal information policies and practices.
- Individual Access - When you request it, we will give you access to your personal information, how we use it and who we disclose it to. You are entitled to question its accuracy, its completeness, and its uses.
- Challenging Compliance - You are entitled to question the Privacy Officer about our compliance with any of these principles.
See our Protecting Your Privacy brochure (pdf) for more details.
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Privacy Officer
You can contact the Privacy Officer if you have questions about how we use your personal information.
The Privacy Officer is responsible for:
- monitoring information collection,
- reviewing data security,
- ensuring that we train our employees on privacy and their responsibilities, and
- handling your questions and information access requests under the Code.
You can contact our Privacy Officer by email or mail.
Privacy Officer
Innovation Federal Credit Union
P.O. Box 1090 198 1st Ave NE
Swift Current, SK
S9H 3X3
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.
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.