Personal Account Options and Fees

Personal Account Options and Fees

Call 1-800-667-7477

online at www.conexus.ca

Visit your nearestbranch

Your deposits at Conexus are automatically guaranteed by Credit Union Deposit Guarantee Corporation. • There is no maximum limit - whether your deposits total $100 or $1,000,000 they are fully guaranteed

To learn more, visit www.cudgc.sk.ca

Personal Accounts .......................................2-6 - Chequing Accounts - Saving Accounts - Everyday Banking - Lifestyle Packages - Everyday Banking - Young Adult Packages - Special Services - Heritage & Youth

Banking Services and Fees ......................7-8

Additional Information.................................9 - Line of Credit Protection - Hold Period - Cashing Government of Canada Cheques - GLOBAL PAYMENT™ MasterCard® - CHOICE REWARDS™

Access to Services.............................................10 - MEMBER CARD® Debit Card - Protecting your PIN - TeleService - Voice Response Telephone Banking - Online Banking

- Bill Payments

Opening an Account.......................................11Our Service Commitment.............................12Contact Us............................................................13

What’s InsideWelcome to Conexus! We want to make it as easy as possible for you to have access to information about our products and services.

In this guide you’ll not only find information about the different account packages you can choose at Conexus, but also important telephone numbers and web site addresses you’ll want to keep close at hand.

Whether you are interested in doing your banking online, by phone or in person at one of our 47 branches across the province, Conexus is here for you.

Table of Contents

2010 July • Personal Account Options and Fees • Page 2

FeaturesBasic Chequing Maximizer Chequing US Dollar Chequing

Monthly transaction 1 limit Pay as you go(per transaction fees apply)

Pay as you go(per transaction fees apply)

Pay as you go(per transaction fees apply)

Monthly fee $1.50 $1.50 $1.50 USD

Offers free banking if N/AMaintain $1,500

minimum balance(excludes in-branch & ATM bill payments)

N/A

Eligible for everyday banking packages 2 Lifestyle & Young Adult N/A N/A

Eligible for special services 3 Heritage & Youth Heritage & Youth Heritage

Earns interest N/A ü tiered 4

ü tiered 5

Allows cheque writing ü ü ü

Personalized cheques At cost At cost At cost

Monthly statement (including imaged cheques) Paper or Online Paper or Online Paper or Online

Offers multi-channel banking (Online Banking, Voice Response, TeleService 6, ATM network & Interac Direct Payment)

ü üNo ATM network

or Interac® Direct Payment access

Interest tiers N/A

$0 - $1,500 $1,500.01 - $5,000 $5,000.01 - $15,000 $15,000.01 - $30,000 $30,000.01 +

$0 - $1,500 $1,500.01 - $5,000 $5,000.01 +

Chequing Accounts

Footnotes1 Transactions include in-branch (withdrawals/transfers/bill payments), cheques, Interac Direct Payment & GLOBAL PAYMENT MasterCard purchases, Conexus & Saskatchewan credit union ATM, Online Banking and Voice Response transactions.2 Refer to pages 4-5 for details3 Refer to page 6 for details4 Interest earned on Maximizer Chequing is calculated using the interest rate for each tier and the portion of the daily closing balance in each tier.5 Interest earned on US Dollar Chequing is calculated using the interest rate from the tier that the daily closing balance falls in.6 Refer to page 11 for details.

Additional Information• Deposits do not count as a transaction and do not incur service fees• Interest is calculated on the daily closing balance and paid monthly on the last day of the month• Line of Credit protection may be available (on approved credit)• GLOBAL PAYMENT MasterCard or Gold GLOBAL PAYMENT MasterCard may be available (on approved credit) NOTE: Cannot be attached to US Dollar Chequing• Additional fees may apply to the operation of your account, refer to pages 7-9 for details


FeaturesConveniencePlus Savings High Interest Savings

Monthly transaction 1 limit Pay as you go(per transaction fees apply)

Pay as you go($5.00 per transaction fee)

Monthly fee N/A N/A

Offers free banking if Maintain $5,000 minimum balance(excludes in-branch & ATM bill payments)

N/A

Eligible for everyday banking packages 2 N/A N/A

Eligible for special services 3 Heritage & Youth Heritage & Youth

Earns interest 4 ütiered

ütiered

Allows cheque writing N/A N/A

Monthly statement Paper or Online Paper or Online


ü ü

Interest tiers

$0 - $1,000 $1,000.01 - $3,000 $3,000.01 - $5,000 $5,000.01 - $10,000 $10,000.01 +

$0 - $5,000 $5,000.01 - $25,000 $25,000.01 - $60,000 $60,000.01 - $100,000 $100,000.01 +

Saving Accounts

Footnotes1 Transactions include in-branch (withdrawals/transfers/bill payments), cheques, Interac Direct Payment & GLOBAL PAYMENT MasterCard purchases, Conexus & Saskatchewan credit union ATM, Online Banking and Voice Response transactions.2 Refer to pages 4-5 for details3 Refer to page 6 for details4 Interest earned is calculated by using the interest rate from the tier that the daily closing balance falls in.5 Refer to page 11 for details.

Additional Information

• Deposits do not count as a transaction and do not incur service fees• Interest is calculated on the daily closing balance and paid monthly on the last day of the month• Additional fees may apply to the operation of your account, refer to pages 7-9 for details. NOTE: a $5 per transaction fee applies to the High Interest Savings Account


FeaturesLifestyleLow Fee

LifestyleBasic

LifestylePlus

LifestylePremium

LifestylePlatinum

Monthly transaction 1 limit 10 15 Unlimited self-serve 2 Unlimited Unlimited

Monthly fee $4.00 $5.75 $11.00 $15.00 $25.00

Allows cheque writing ü ü ü ü ü

Monthly statement (including imaged cheques) Paper or Online Paper or Online Online only Paper or Online Paper or Online

Personalized cheques At cost At cost At cost At cost Includes 100/year

Safe deposit box discount (subject to availability) N/A N/A N/A N/A $25.00/year

Out of province ATM fee discount (Only credit unions displaying the ACCULINK®

symbol)

N/A N/A N/A N/A $1.00/transaction

Drafts or Money Orders At cost At cost At cost At cost One free/month

Annual fee -CHOICE REWARDS Gold MasterCard or Gold GLOBAL PAYMENT CHOICE REWARDS MasterCard

At cost At cost At cost At cost Waived

Offers multi-channel banking (Online Banking, Voice Response, Tele-Service 3, ATM network & Interac Direct Payment)

ü ü ü ü ü

Everyday Banking Lifestyle Packages

Footnotes1 Transactions include in-branch (withdrawals/transfers/bill payments, cheques), Interac Direct Payment & GLOBAL PAYMENT MasterCard purchases, Conexus & Saskatchewan credit union ATM, Online Banking and Voice Response transactions.2 Self serve transactions include cheques, Interac Direct Payment & GLOBAL PAYMENT MasterCard purchases, Conexus & Saskatchewan credit union ATM (excludes ATM bill payments), Online Banking and Voice Response transactions.3 Refer to page 11 for details.

Additional Information• Lifestyle Packages can only be attached to a basic chequing account• Deposits do not count as a transaction and do not incur service fees• Regular fees apply to over limit transactions• Line of Credit protection may be available (on approved credit)• GLOBAL PAYMENT MasterCard or Gold GLOBAL PAYMENT MasterCard may be available (on approved credit)• Additional fees may apply to the operation of your account, refer to pages 7-9 for details


FeaturesYoung Adult Basic Young Adult Plus Young Adult Premium

Monthly transaction 1 limit 15 Unlimited self-serve 2 Unlimited

Monthly fee $3.00 $5.00 $7.50

Offers free banking if 10 or less transactions/month

10 or less transactions/month

10 or less transactions/month

Allows cheque writing ü ü ü

Personalized cheques At cost At cost At cost

Monthly statement (including imaged cheques) Paper or Online Online only Paper or Online


ü ü ü

Everyday BankingYoung Adult Packages

Footnotes1 Transactions include in-branch (withdrawals/transfers/bill payments, cheques), Interac Direct Payment & GLOBAL PAYMENT MasterCard purchases, Conexus & Saskatchewan credit union ATM, Online Banking and Voice Response transactions.2 Self serve transactions include cheques, Interac Direct Payment & GLOBAL PAYMENT MasterCard purchases, Conexus & Saskatchewan credit union ATM (excludes ATM bill payments), Online Banking and Voice Response transactions. 3 Refer to page 11 for details.


• Young Adult packages can only be attached to a basic chequing account• Deposits do not count as a transaction and do not incur service fees• Regular fees apply to over limit transactions• Line of Credit protection may be available (on approved credit)• GLOBAL PAYMENT MasterCard or Gold GLOBAL PAYMENT MasterCard may be available (on approved credit)• Additional fees may apply to the operation of your account, refer to pages 7-9 for details

Available to personal customers age 19-25 years.


Benefits• Fees are waived for transactions 1 (except for in-branch and ATM bill payments) on the following accounts:

• Basic Chequing

• Maximizer Chequing

• US Dollar Chequing

• ConveniencePLUS Savings

• $0.65 in-branch bill payment fee (regular fee $2.00)

• $10.00/year safe deposit box discount (subject to availability)

Heritage Services

Available to personal customers at the beginning of the month they turn 60.

Special Services

Footnotes1 Transactions include in-branch (withdrawals/transfers/bill payments), cheques, Interac Direct Payment & GLOBAL PAYMENT MasterCard purchases, Conexus & Saskatchewan credit union ATM, Online Banking and Voice Response transactions. Additional fees may apply to the operation of your account, refer to pages 7-9 for details.

Youth Services

Available to personal customers age 0 - 18 years (until the beginning of the month a youth turns 19)

Benefits• Fees are waived for transactions 1 on the following accounts:

• Basic Chequing

• Maximizer Chequing

• ConveniencePLUS Savings

• Reduced minimum amount required to purchase eligible term deposit investments

Note: A MEMBER CARD or cheque writing privileges for youth under 18 requires parental consent/indemnity


The following are transaction fees that apply to personal accounts and unless otherwise indicated are applied in Canadian dollars (except for US dollar accounts where the fees are charged in US dollars). These fees will be charged for transactions that are not included in your Everyday Banking account packages or Special Services benefits.

Account Transaction Fees Fee per ItemChequing Accounts Savings Accounts

Basic Maximizer US ConvPlus High Interest

ATM Services *CanadaConexus ATM & Saskatchewan Credit Union ATM (ACCULINK)• Account Balance Inquiries• Deposits• Withdrawals• Transfers• Bill Payments• Bill Payments (Heritage Services - 60 years +)

Out of Province Credit Unions (ACCULINK)• Deposits• Withdrawals• Transfers

Other Financial Institution• Withdrawals (Interac)

United States & Foreign• Withdrawals (Cirrus®) * Non-Conexus ATM channels may charge their own fees for use

FREEFREE$0.60 $0.60 $2.00 $0.65

FREE$2.15$0.65

$2.15

$3.50

FREEFREE$0.60 $0.60 $2.00 $0.65

FREE$2.15$0.65

$2.15

$3.50

N/AN/AN/A N/A N/A N/A

N/AN/AN/A

N/A

N/A

FREEFREE$0.75 $0.75 $2.00 $0.65

FREE$2.15$0.75

$2.15

$3.50

FREEFREE$5.00 $5.00 $5.00 $5.00

FREE$5.00$5.00

$5.00

$5.00

TransactionsSelf Serve Transactions• Account Balances and History (Online Banking/Voice Response)• Bill Payments (Online Banking/Voice Response)• Transfers

(Online Banking/Voice Response)• Interac Direct Payment purchases*• GLOBAL PAYMENT MasterCard purchases* • Pre-authorized debits• Cheques (per cleared item)* Merchants may charge their own fees for use of this payment option

Other Transactions• Bill Payments (In-branch/ATM/via TeleService)• Bill Payments - Heritage Services 60 years + (In-branch/ATM/via TeleService)• Withdrawals (In-branch)• Transfers (In-branch)

FREE

$0.65

$0.65

$0.65$0.65$0.65 $0.80

$2.00

$0.65

$1.00$1.00

FREE

$0.65

$0.65

$0.65$0.65$0.65 $0.80

$2.00

$0.65

$1.00$1.00

FREE

N/A

$0.60

N/AN/A$0.60 $0.80

$2.00

$0.65

$1.00$1.00

FREE

$0.75

$0.75

$0.75$0.75$0.65 N/A

$2.00

$0.65

$1.00$1.00

FREE

$5.00

$5.00

$5.00$5.00$5.00 N/A

$5.00

$5.00

$5.00$5.00

Account Transaction Fees


Additional Services & Fees Fee Per ItemCertifying cheques• Conexus customers• Other

$10.00$15.00

Chargebacks• Canadian Accounts (all types)• US accounts (US Funds)

$6.50$6.50

Closing Membership/Account• Membership and all acounts within 90 days $20.00

Coverdraft (auto system transfer) $2.50

Drafts & Money Orders• Money orders - Canadian • Foreign and US Drafts (any amount) • Request for money order copy/trace request *$15.00 fee for non-Conexus customers

$6.50*$6.50*$30.00

Duplicate Tax Slips• T5, T4RSP, T4RIF, RRSP Official Receipts, etc $15.00

Email Money Transfer• To send• To receive

$1.50 (non-refundable)Free

Inactive Account Notification $25.00

Non - Micro encoded cheques $6.50

NSF items (per item) $42.50

Overdraft items $5.00 per item + interest at 21% per year(rate may vary from time to time)

Personalized Cheques Fees vary depending on style and quantity ordered

Photo Retrievals• GLOBAL PAYMENT card transaction• Cleared cheque

$6.50$6.50

Post dated cheque in ATM or held for deposit $6.50

Research of Historical Data $30.00/hour, min of $15.00

RRSP, RESP, RRIF & TFSA• Transfer out fee

Open for more than 1 year $50.00Open less than 1 year $100.00

A variety of banking services are not included in our monthly account fees or Everyday Banking account packages. When you use these services, additional fees apply. The following fees are charged in Canadian dollars (except for US dollar accounts where the fees are charged in US dollars).

Additional Services & Fees


Additional Services & Fees Fee Per ItemSafety Deposit Box Rental (size and availability varies)*• Small• Medium• Large• XLarge• XXLargeSafety Deposit Key Replacement• One key • Two keys plus drilling (plus travel costs)* All prices are plus GST

$40.00 $55.00 $90.00 $150.00 $250.00

$15.00 $125.00

Statement fees• Manual statement copy• Special handling (do not mail etc.)• Statement on CD ROM (plus external processing fee)

$6.50$6.50$6.50

Stop Payment• Complete information • Incomplete information • Entered online using Online Banking

$15.00 $20.00$15.00

Telephone Services• Account balances• Transfer requests by phone to branch/TeleService

(does not apply to Voice Response)

$4.00 $6.50

Travellers Cheques (via AMEX)• Cheques for two (of value)• Traditional travellers cheques (of value)*Minimum $5.00 fee for non-Conexus customers

1% *1% *

Wires• To Canadian Financial Institution • To US Financial Institution• To Foreign Financial Institution• From Other Financial Institution

$15.00 $25.00 $35.00 $15.00

Additional Services & Fees


Line of Credit ProtectionLine of Credit protection to avoid the inconvenience and cost of dealing with temporary cash shortages is available on approved credit. Protection is convenient and affordable as the service only incurs a fee if it is used.

If approved for a Line of Credit, you may borrow up to the credit limit set by Conexus. The Line of Credit interest rate is determined at the time of application.

If items that exceed your limit are allowed to be processed to your account, additional overdraft fees and interest will apply. A $5 fee is charged for each overdraft item and overdraft interest is charged at a rate of 21% per year (rate may vary from time to time). The decision to allow overdraft items is at Conexus’ sole discretion.

Hold Period

Deposits can be made during business hours, through the ATM or by electronic deposit. All deposits credited to your account are subject to clearing and final payment. The credit union may place a hold on a deposit to determine if it will be honoured when presented for payment.

The hold period varies depending upon the item being deposited. For example, cheques deposited from foreign banking institutions will have a longer hold than cheques drawn on Canadian financial institutions, as foreign transactions take longer to verify.

A hold that reflects industry standards, may be placed on an account for the total amount of the deposit. The following is a guideline:

• A cheque drawn on a Canadian bank - five business days minimum to seven business days maximum

• A cheque drawn on a US bank -15 business days minimum to 30 business day maximum

• A cheque drawn on a foreign bank - 21 business days minimum to 45 business days maximum

Cashing Government of Canada Cheques if you do not have a Conexus Account

A Government of Canada cheque may be cashed for a non-customer without charge as long as the cheque is for $1,500 or less and acceptable identification is produced.

Acceptable ID for a Government of Canada cheque is: • One piece of identification (ID) that has both a photo and

signature of the individual, such as a driver’s licence. • If the individual does not have ID that shows both a photo

and signature, two pieces of ID are required.• The identification must be the original ID - not a photo-

copy.

MasterCard GLOBAL PAYMENT Card/ Gold GLOBAL PAYMENT Card

The MasterCard GLOBAL PAYMENT Card/ Gold GLOBAL PAYMENT card provides you the convenience of using MasterCard but debits your account in place of writing a cheque. The MasterCard Payment Card is accepted at any retailer that displays the MasterCard® logo. With a PIN attached to the card you can also use the card at ATM machines. The payment card transaction does not clear your account immediately. It could take up to three days to clear dependent on when the retailer does its merchant deposits.

CHOICE REWARDS Program

The CHOICE REWARDS MasterCard program allows cardholders to collect and redeem points for merchandise, charity and travel.

You collect points when you use your GLOBAL PAYMENT MasterCard or Gold GLOBAL PAYMENT MasterCard for purchases (ATM transactions and cash advances do not qualify).

The points activity and balance of your CHOICE REWARDS GLOBAL PAYMENT MasterCard is summarized quarterly on a special CHOICE REWARDS statement.

Visit www.choicerewards.ca for details of the CHOICE REWARDS program and to learn more.



MEMBER CARD Debit Card

When you open your account a Conexus MEMBER CARD Debit Card may be provided. When you attach a personal identification number (PIN) to the card you will have access to ATMs and to Interac Direct Payment. It’s a simple way to make purchases at more than 300,000 retailers and funds are instantly debited from your account. You can access a chequing or savings account using your MEMBER CARD. Certain conditions may apply for access to your funds. (i.e. no access to unverified funds)

Protecting your PIN

You can help keep your money safe by protecting your PIN and following these 10 important steps:1. Use your hand, body or other blocking method such as a

piece of paper or envelope to shield your PIN when you are conducting transactions at an ATM or at a point of sale (POS) machine.

2. Never let your debit card out of your sight when conducting a transaction at the point of sale. Only allow your card to be swiped once and always remember to take your debit card and transaction record with you once your transaction is completed.

3. Regularly check your statements and balances to verify all transactions have been properly documented. If entries do not accurately reflect your transaction activities, for example, if there are missing transactions or additional unknown transactions, you should contact Conexus Credit Union.

4. If your debit card is lost, stolen or retained by an ATM, notify Conexus Credit Union as soon as you become aware of the problem. Our TeleService representatives are available Monday to Friday from 8 a.m. – 8 p.m. and Saturday from 8 a.m. – 4 p.m. If you’re calling outside of those business hours, dial 1-800-567-8111 (1-800-LOST-111).

5. Your debit card and PIN are the keys to your account(s). Never disclose your PIN to anyone or you could be liable for any losses. You are the only person who should know it. Keep your card in a safe place and never lend it to anyone.

6. Memorize your PIN – it’s your electronic signature. If you suspect that someone knows your PIN, change it immediately or contact your credit union to cancel the card and obtain a new card.

7. When selecting your PIN, never use obvious information. You could be liable for losses if you create your PIN by using your telephone number, date of birth, address or social insurance number.

8. Be aware of any changes regarding the look of the device you are using. Has it changed in any manner that might indicate a skimming device is attached? Report any changes to Conexus Credit Union or the owner of the device.

9. Only conduct transactions when and where you feel secure. If anyone tries to distract you, complete what you are doing and retrieve your card before doing anything else. If you cannot retrieve your card, call Conexus Credit Union immediately.

10. In a proven case of fraud, victims are protected by the Canadian Code of Practice for Debit Card Services and will not suffer any financial losses. Each case is reviewed on an individual basis.

Conexus TeleServiceCall 1-800-667-7477You can speak to a TeleService relationship manager for inquiries, investments and loan applications.

Voice Response Telephone BankingCall 1-800-567-0101Conduct balance and history inquires, transfer funds or make bill payments at your convenience. A Member Access Code (MAC) is required to access Voice Response.

Online BankingVisit www.conexus.ca to get general information or log on with your Online Banking password to access your account information. You can obtain account balances and new history, transfer funds, make bill payments etc. at your convenience.

Bill PaymentsSet your bills up once and then pay your bills at your convenience. Bill payments can be made in person at a branch or you can pay your bills quickly, easily and conveniently through Online Banking or Voice Response Telephone Banking.

Access to Services


List A

• Valid Canadian Drivers Licence (Photo and signature required) NOTE: A drivers licence picture ID card is not a valid driver’s licence unless it is accompanied by the Annual Drivers Licence And Automobile Accident Insurance Certificate.

• Current Canadian Passport (Photo and signature required)

• Provincial Health Card (only if it is not prohibited by provincial or territorial legislation)

• Certificate of Indian Status Card (Photo and signature required)

• Old Age Security card issued by the Government of Canada

• Birth Certificate issued in Canada

• Social Insurance (SIN) card

• Provincial or Federal Canadian Government Issued ID card (Photo and signature required)

• Certificate of Canadian Citizenship • A Permanent Resident card or Citizenship and Immigration

Canada Form IMM 1000 or IMM 1442

• Valid Foreign Passport

List B

• Major Canadian Credit Card (Name & Signature required)

• Student Identification Card issued from a known institution

• Canadian Bank Debit/ABM Card - Other than Conexus (Name & Signature required)

• Workers Visa issued by the Government of Canada

Opening an Account

In order to open an account at Conexus Credit Union, certain legislative conditions must be met.

You will be required to:

• Complete account opening documentation

• Provide your name, address, date of birth and occupation

• Provide two pieces of identification

• Only original, current and unaltered documents presented as identification can be accepted

• Valid Identification consists of two pieces of identification from List A or 1 piece from List A and one piece from List B.

• Valid foreign identification, if equivalent to an acceptable type of Canadian identification, is acceptable. For example, a valid foreign passport is acceptable identification.

When you open an account at Conexus you are governed by the Terms and Conditions for Financial Services.

For a copy of these terms and conditions, visit your local branch or view them online at www.conexus.ca/Personal/ProductsandServices/Banking/Accounts


Conexus is committed to delivering exceptional service to our customers and we hope you are happy with your experience! If your experience with us does not meet our service commitment, we want to hear from you. It’s important you tell us so we can resolve problems in a timely manner. How can you resolve a problem?

Please let us know if you have any questions, complaints or concerns about your dealings with Conexus. If a problem occurs, it is generally easier to assess the situation and come to a resolution at the point where the problem originated.

This may simply require a quick telephone call or a visit to your branch or the office involved. Talk to a Conexus representative where you do your business or call TeleService at 1-800-667-7477. If you are not satisfied with the response you get where the problem originated, ask to speak with the manager, team leader or senior officer present. They will have the authority to solve most problems immediately. The sooner you contact us the sooner we can begin working on a solution. It is preferable to follow this suggested process to ensure your concerns are addressed in a fair and efficient manner.

Step 1 Conexus Credit UnionStep 2 SaskCentral OmbudsmanStep 3 Ombudsman for Banking

Services and Investments

What is the Conexus Ombudsman Office?

If your problem is not resolved after consulting your branch or the office involved, you are encouraged to contact the Conexus Ombudsman Office which provides an impartial avenue of review for unresolved concerns. Our problem resolution specialists are experienced in mediation, fact-finding and listening. We try to find solutions that work. Customer experiences are a vital source of feedback for Conexus. Based on discussions with customers, the Conexus Ombudsman may make recommendations as warranted to improve operational processes or products and services.

The Ombudsman Office can only review your concern after you have received a response from one of our Conexus representatives. All complaints to the Ombudsman Office should be in writing. Please explain in your correspondence why the problem has not been adequately resolved to your satisfaction.

Corporate Compliance Department/Conexus OmbudsmanConexus Credit Union550 Henderson DriveRegina, SK S4N 5X2Phone: 1-800-667-7477Fax: 306-525-5599Email: [email protected]

Our Service Commitment


TeleService:

Open 6 days a week, Monday to Friday - 8 a.m. - 8 p.m. and Saturday 8 a.m. - 4 p.m.Call 1-800-667-7477With TeleService you can speak to one of our helpful Relationship Managers about your banking needs.

Online Banking:

Available 24 hours a day, 365 days a year.Access your account by logging on to www.conexus.ca

Voice Response Telephone Banking:

Available 24 hours a day, 365 days a year Call 1-800-567-0101Voice Response is our automated telephone banking service.

In Branch:

Visit one of our many branches located across the province for all your banking needs.

Lost or stolen cards?

Call TeleService during regular hours.After hours call: Within Canada and continental U.S.A.1-800-567-8111 (1-800-Lost-111)Outside Canada and continental U.S.A.1 (306) 566-1276 (collect)

® MEMBER CARD and Design are registered certification marks owned by the Credit Union Central of Canada, used under licence.TM GLOBAL PAYMENT is a trademark of CUETS Financial Ltd. and is used under licence.® MASTERCARD is a registered trademark owned by MasterCard International Incorporated and is used under licence.TM CHOICE REWARDS is a trademark of CUETS Financial Ltd. and is used under licence.® INTERAC is a registered trademark owned by Interac Inc. and is used under licence. ® Cirrus is a registered trademark owned by CIRRUS Systems Inc. and is used under licence.® ACCULINK and Design are registered trademarks owned by Credit Union Central of Canada, used under licence.

Call 1-800-667-7477

online at www.conexus.ca

Visit your nearestbranch

Contact Us

Documents

Personal Account Options and Fees