MemberDirect® OnLine Banking

Your Time, Your Way™

MemberDirect® is an enhanced online banking service that allows you access to your accounts 24 hours a day, 7 days a week, through the credit union’s website. MemberDirect®’s advanced security measures ensure the integrity of your accounts, allowing you to confidently process your transactions with the added bonus of doing your banking on your time, your way. All you need is your personal access code (PAC).

• review investments along with their maturity dates and interest rates
• schedule bill payments with more than 1900 vendors nationally
• transfer funds
• print an up-to-the-minute statement
• review statement items, i.e. deposits or withdrawals — by cheque number or by dollar amounts
• enhanced features for viewing account history
• cheque images — front and back of cheque
• review specifics on your loans, including the original amount, payment and due date
• obtain the latest interest rates on term deposits, personal loans, mortgages
• change personal access code (PAC)
• place your own stop-payments
• set up preauthorized transfers between accounts
• excellent tech support — 1-888-273-3488

Click here to download a bank reconciliation form. statement_reconciliation.pdf

HyperWALLET™

Send and receive cash by e-mail — hyperWALLET™ is a revolutionary new way to send and receive cash using e-mail. And now, hyperWALLET™ is available through Bulkley Valley Credit Union online banking so you can enjoy exclusive benefits including reduced fees. Sign up for hyperWALLET™ today by logging in to MemberDirect® Online Banking and clicking on hyperWALLET™ Account.

hyperWALLET™ is a secure and convenient way to:

• e-mail cash (in Canadian and U.S. funds) to friends and family anywhere in Canada and the United States
• move funds between bank accounts at different financial institutions
• send or receive payments for online auctions such as eBay®
• shop online privately at participating merchants
• receive payments from other hyperWALLET™ users and participating organizations

For more information visit www.hyperwallet.com or call 1-877-925-5381

Check Your Credit Rating

See your credit report, by clicking on the logo below.

General Information

Deposit Insurance

On November 27, 2008, the Provincial legislature passed amendments to the Financial Institutions Act to provide unlimited deposit insurance protection on all deposits in British Columbia’s credit unions. All money on deposit with and money invested in non-equity shares of a BC credit union is 100% guaranteed, including foreign currencies and accrued interest, regardless of the length of the term to maturity. Deposit insurance applies automatically—it is not necessary to apply for deposit insurance.

FICOM is responsible for administering the Credit Union Deposit Insurance Corporation (CUDIC) and more information is available on their website: www.cudicbc.ca

Privacy Policy

The Bulkley Valley Credit Union is committed to ensuring the confidentiality, the privacy and the protection of the personal information of all members and other individuals whose personal information is held or controlled by the Credit Union. Additional details can be obtained at the local branch, or by contacting our Privacy Officer via email at .(JavaScript must be enabled to view this email address).

BVCU Privacy Policies

Commitment

The Credit Union is committed to ensuring the confidentiality and privacy and protecting the personal information of all members and other individuals whose personal information is held or controlled by the Credit Union.

Privacy Officer

The Credit Union will designate a Privacy Officer and an alternate to oversee the protection of personal information in compliance with the BC Financial Institutions Act, the BC Personal Information Protection Act, and the Credit Union’s privacy policies and practices.

Policies

The Credit Union will develop policies and practices necessary for compliance with the Personal Information Protection Act and a process to respond to complaints that may arise, and make information available on request about the policies and practices and the complaint process.

Consent

The Credit Union will obtain consent for the collection, use, and disclosure of personal information, except in circumstances permitted by the Personal Information Protection Act or other law.

Conditions

The Credit Union will not, as a condition of providing a product or service, require an individual to consent to the collection, use, or disclosure of personal information beyond what is necessary to provide the product or service.

Express Consent

The Credit Union will obtain express written or oral consent to the collection, use and disclosure of personal information, except in circumstances when the Personal Information Protection Act authorizes the collection, use, or disclosure without consent or deems the collection, use, or disclosure to be consented to.

Implicit Consent

Implied consent may be relied on when the purpose would be considered obvious to a reasonable person and the individual voluntarily provides the personal information for that purpose.

Deemed Consent

The Credit Union may obtain consent to collect, use, or disclose personal information for specified purposes, if the Credit Union sends notice to the individual that it intends to collect, use, or disclose personal information for those specified purposes and gives the individual a reasonable opportunity to decline to have the personal information collected, used, or disclosed for those purposes, the individual does not decline the collection, use, or disclosure for those purposes, and the collection, use or disclosure is reasonable having regard to the sensitivity of the personal information in the circumstance.

Withdrawal

An individual may withdraw consent at any time, subject to legal or contractual restrictions, provided that reasonable notice of withdrawal of consent is given to the Credit Union. On receipt of notice of withdrawal of consent, the Credit Union will inform the individual of the likely consequences of the withdrawal of consent, which may include the inability of the Credit Union to provide certain products or services, if the information is necessary to provide the products and services.

Purposes

When collecting information, the Credit Union will state the purpose of collection and provide on request the position or title and contact information for an officer who can answer the individual’s questions about the collection

Collection

The Credit Union will limit the collection of information to information that is necessary to provide a product or service or that is necessary for the purpose consented to by the individual or to information otherwise permitted to be collected by the Personal Information Protection Act or other law.

Use

The Credit Union will not use personal information for purposes other than those for which it was collected, except with the consent of the member or as required or authorized by law.

Disclosure

The Credit Union will not disclose personal information for purposes other than those for which it was collected, except with the consent of the member, account holder, or other individual or as required or authorized by law.

When disclosing personal information the Credit Union will take all reasonable steps to protect the interests of its members and other individuals.

Sharing

The Credit Union may share personal information with its subsidiaries and other carefully selected organizations with the consent of the member or as required or authorized by law.

Access

Member and account holder information, such as copies of statements, transaction slips, and account agreements, will be provided upon request. The Credit Union may charge a fee for doing so.

For other information, upon written request, the Credit Union will provide the individual with the personal information under the control of the Credit Union, information about the ways in which the personal information requested has been and is being used, and the names of individuals and organizations to whom the personal information requested has been disclosed. The Credit Union may charge a minimal, fee for providing information. The Credit Union will provide an estimate of the fee upon receiving the access to information request. The Credit Union may require a deposit for all or part of the fee.

Assistance

The Credit Union will assist individuals to complete an access to information request to ensure that the information wanted or needed is provided accurately, completely, and promptly.

An applicant may be required to provide sufficient information to permit the Credit Union to provide an account of the existence, use, and disclosure of personal information it holds. The additional information provided will only be used for this purpose.

Exceptions

The Credit Union may not provide information that it is not required to disclose and will not disclose information that it is required not to disclose by law, such as information that would reveal the identity of another individual without his or her consent.

Time Limit

The Credit Union will endeavour to respond to an access to information request within 30 days. If additional time is required because sufficient detail has not been provided by the applicant, a large amount of material is requested or must be retrieved, or more time is needed to consult with other organizations, the Credit Union may apply to the BC Privacy Commissioner for an extension under the Personal Information Protection Act.

Refusals

If the Credit Union refuses access to personal information, the Credit Union’s response to the access to information request will provide the reasons for refusal and provide the name, position/title, address, and telephone number of an officer of the Credit Union who can answer the applicant’s questions about the refusal. The Credit Union may refuse to confirm or deny the existence of personal information collected as part of an investigation.

Accuracy

The Credit Union will make a reasonable effort to ensure that personal information it is using or disclosing is accurate and complete.

Corrections

If an individual demonstrates the inaccuracy or incompleteness of personal information, the Credit Union will amend the information as required. If appropriate, the Credit Union will send the amended information to third parties to whom the information has been disclosed.

When a challenge regarding the accuracy of personal information is not resolved to the satisfaction of the individual, the Credit Union will annotate the personal information under its control with a note that the correction was requested but not made.

Protection

The Credit Union will protect the personal information in its custody or control by making reasonable security arrangements to prevent unauthorized access, collection, use, disclosure, copying, modification, disposal, or similar risks.

The Credit Union will take reasonable steps, through contractual or other reasonable means, to ensure that a comparable level of personal information protection is implemented by the suppliers and agents who assist in providing services to members, account holders, and other individuals.

Retention

The Credit Union will keep personal information used to make a decision that affects the individual for at least one year after using it to make the decision.

The Credit Union will, in accordance with its retention schedule, destroy, erase, or make anonymous documents containing personal information, as soon as it is reasonable to assume that the original purpose is no longer being served by retention of the information and retention is no longer necessary for legal or business purposes.

The Credit Union may retain personal information about members and account holders with their consent in order to assist in the provision of future products and services and for marketing purposes, such as sending information about products and services that may be of interest, and may update the information as necessary to provide products and services applied for.

The Credit Union will take due care with the destruction of personal information so as to prevent unauthorized parties from gaining access to the information.

Safeguarding

The Credit Union will employ electronic and physical security safeguards appropriate to the sensitivity level of personal information, including:

• Physical measures such as locked fire resistant filing cabinets and restricted access to office
• Organizational measures such as restricting employee access to files and databases
El
• ectronic measures such as passwords and encryption
• Investigative measures if the Credit Union has reasonable grounds to believe that personal information is being inappropriately collected, used, or disclosed.

Questions

Members and other individuals may direct any inquiries or complaints regarding their personal information to the Credit Union’s Privacy Officer. Contact information will be available by inquiring at any office of the Credit Union.

Complaint Process

The Credit Union will, on request, inform members and other individuals of its complaint procedures, which will be accessible and simple to use.

The Credit Union will ensure that inquiries, concerns, and complaints regarding personal information receive prompt attention and are resolved in a timely manner.

Where appropriate, members and other individuals will be informed oftheir right to file a complaint with the BC Privacy Commissioner and will be provided a contact information.

Account Reporting/Statement Frequency

Chequing Account

Imaged* statements are mailed monthly.

Non-Chequing Accounts

Receive statements twice during the year, effective June 30 and December 31.

Account Information

Available anytime via ATM, MemberLink® telephone banking and MemberDirect® online banking service.

Automated Services

ATMs

give you access to your accounts using your MemberCard® or MasterCard® any time you want. You can use not only the ATMs conveniently located at all of our Bulkley Valley Credit Union branches, but also any Interac ATM across Canada and ATMs at many financial institutions around the world displaying the Cirrus logo. Take advantage of lower service fees by withdrawing funds from any credit union ATM in Canada. Additional benefits of using the Bulkley Valley Credit Union ATMs include the availability of mini account statements and the ability to pay bills.

THE EXCHANGE® ATM network enables participating financial institutions to offer their cardholders convenient access to a very large, proprietary ATM network at an affordable cost. THE EXCHANGE® network offers the only inter-institutional, full-function ATM network in Canada.

MemberLink® Telebanking

Whenever. Wherever. You can access your accounts instantly 24 hours a day, 7 days a week. All you need is a touch-tone phone and your personal access code (PAC).
•847-3090 or 1-888-289-4331 walks you through the steps
•instant access: check account balances and transactions; transfer funds; review loan details; confirm term deposit maturity and next interest payment dates; bill payments with over 1900 vendors nationally
•instant information: deposit rates; foreign exchange rates; service charges
•fax accessible for up-to-the-minute account statements for most recent 30 items

MemberDirect® OnLine Banking

Your Time, Your Way™ MemberDirect® is an enhanced online banking service that allows you access to your accounts 24 hours a day, 7 days a week, through the credit union’s website. MemberDirect®’s advanced security measures ensure the integrity of your accounts, allowing you to confidently process your transactions with the added bonus of doing your banking on your time, your way. All you need is your personal access code (PAC).
•review investments along with their maturity dates and interest rates
•schedule bill payments with more than 1900 vendors nationally
•transfer funds
•print an up-to-the-minute statement
•review statement items, i.e. deposits or withdrawals - by cheque number or by dollar amounts
•enhanced features for viewing account history
•cheque images - front and back of cheque
•review specifics on your loans, including the original amount, payment and due date
•obtain the latest interest rates on term deposits, personal loans, mortgages
•change personal access code (PAC)
•place your own stop-payments
•set up preauthorized transfers between accounts
•excellent tech support — 1-888-273-3488

MemberDirect Business®

allows business members comprehensive online business tools and services, convenient access and features that save time and money, and effective control over access, permissions and usage. •review and manage multiple business accounts and all your transactions with one sign-in
•grant access and permissions to multiple employees for specific accounts and tasks, even if they are not account signers
•reduce administration time by streamlining repetitive tasks, such as automated transfers and wire payments
•easily download and transfer account data to your accounting software
•enhanced online security with unique User IDs and passwords for each user
•other features—enjoy cheque imaging, bill payments, transfers between all your business accounts, stop payments and more

HyperWALLET™

Send and receive cash by e-mail — hyperWALLET™ is a revolutionary new way to send and receive cash using e-mail. And now, hyperWALLET™ is available through Bulkley Valley Credit Union online banking so you can enjoy exclusive benefits including reduced fees. Sign up for hyperWALLET™ today by logging in to MemberDirect® Online Banking and clicking on hyperWALLET™ Account. hyperWALLET™ is a secure and convenient way to:
•e-mail cash (in Canadian and U.S. funds) to friends and family anywhere in Canada and the United States
•move funds between bank accounts at different financial institutions
•send or receive payments for online auctions such as eBay®
•shop online privately at participating merchants
•receive payments from other hyperWALLET™ users and participating organizations
For more information visit www.hyperwallet.com or call 1-877-925-5381.

Card Services

MemberCard® Cancellation Hotline Service

Security is top of mind for the Bulkley Valley Credit Union and its Members. It is imperative  that Members have the ability to protect their funds against potential fraudulent activity due to lost, stolen, or compromised debit cards.
 

It is important that you notfy the Bulkley Valley Credit Union at your earliest convenience to arrange for a replacement card.
 

Rates Summary