Legal Documents & Information

Direct Services Agreement

This Direct Services Agreement outlines the terms and conditions governing the Depositor’s use of Direct Services. The Financial Institution does not offer Direct Services other than in accordance with these terms and conditions. By requesting and using Direct Services, the Depositor acknowledges their acceptance of these terms and conditions.

In consideration of the Financial Institution providing access to any of the Depositor’s Accounts using Direct Services, the Depositor agrees to the following agreement:

Personal Direct Services Agreement >
Small Business Direct Services Agreement >

Account Agreements

Personal Member Application Terms & Conditions >
Business Member Application Terms & Conditions >

Online Use Terms & Conditions

All content of this site is the property of Northern Savings Credit Union unless otherwise noted. Any downloading of text or graphics for purposes other than personal use is prohibited unless first authorized in writing by Northern Savings Credit Union.

All features and rates quoted throughout this site are subject to change without notice and market fluctuations. The information supplied within this site is for our members' use only and does not constitute an offer or contract. It is advised to contact the branch nearest you for all final details including up to the minute features and rate information.

Although we strive for accuracy, timeliness and completeness, rates and information quoted are not guaranteed and are subject to change at any time. In using the Northern Savings Credit Union Website you acknowledge that:

The information which may be provided on the Northern Savings Credit Union Website is for informational purposes only and is not intended to provide specific financial, tax, accounting or legal advice;

While Northern Savings Credit Union believes the information contained on the Website to be correct and attempts to keep the information current, Northern Savings Credit Union does not warrant the accuracy or completeness of any such information and expressly disclaims any liability for errors or omissions in this information;

Any links to other websites are provided for convenience only and no endorsement of any third party products or services is expressed or implied by any information referred to or linked from or to the Northern Savings Credit Union Website;

Northern Savings Credit Union does not represent or warrant that the services provided through the Northern Savings Credit Union Website will be uninterrupted or error free, that defects will be corrected or that the Website or the server that makes it available are free of viruses or other harmful components;

Northern Savings Credit Union recommends that our Website visitors install, update and use an anti-virus program whenever the Northern Savings Credit Union Website is accessed. Northern Savings Credit Union also recommends that the Website visitor establish a data backup and recovery process to protect data from any loss or damage; and

In no event will Northern Savings Credit Union or any of its affiliates be liable to the Website visitor or any third party for any loss or damage of any sort (including destruction or loss of data, software or hardware) whether arising in contract, tort or otherwise, caused by or arising in connection with the use of this website.

Credit Union Deposit Guarantee

At Northern Savings, your deposits are 100% protected by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC).

Learn more >

Market Conduct Code

Credit unions are unique institutions. Operating in Canada for over 100 years, credit unions are financial cooperatives that are governed and financed differently than banks. At credit unions, members are shareholders. Being a member means sharing in the credit union’s success. Our primary motivation is providing quality products and services to our members. We are committed to ensuring that our members are completely satisfied with the level of services they receive.

This is our Market Conduct Code.

The Code recognizes the best practice principles we pledge to follow for soliciting, promoting, advertising, marketing, selling or distributing our products or services. The Code demonstrates our commitment to the fair treatment of all those who use our services. We believe in fair sales practices, comprehensive access to banking services, transparency and openness, and a reasonable approach to settling complaints. Individuals are entitled to the best possible care of their financial interests. We respect all our provincial regulatory obligations, and continually practice absolute excellence in consumer protection.

Our best practices can be summarized in five key principles:

Business Practices: We are committed to providing fair treatment to everyone who uses our products and services.

Fair Treatment and Fair Sales: We treat our credit union members and customers fairly and demonstrate fair sales practices at all times — this is an integral part of our business practices.

Access to Banking Services: We ensure that all members and customers are granted access to fundamental financial services.

Transparency and Disclosure: We use plain-language descriptions of products and services in our communications to ensure you can make informed decisions.

Complaint Handling: We examine complaints and work to settle them fairly, and we track complaints to help ensure our practices continue to improve.

Read our complete Market Conduct Code >

Marketing Consent

With your consent, Northern Savings Credit Union may use and/or disclose your personal information to determine your suitability and eligibility for products, services, and community events and to market such products, services, and community activities to you, or the third party for whom you may be acting for, by providing information by any means including mail, electronic message, or in person. Northern Savings Credit Union may disclose your information to market research firms for the purposes of analysis and/or conducting surveys.

You may withdraw your consent for marketing purposes. By opting-out from one account, you are opting-out for all your Northern Savings accounts, including joint accounts where you are the primary account holder.

Your marketing consent can be changed at any time.

Please visit any of our branches or email us at info@northsave.com if you wish to opt-in or opt-out of receiving Northern Savings marketing communications.

Mobile Wallet Terms & Conditions

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.

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 Amount

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 the phone number found on our website.

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

Privacy Officer

Our Privacy Officer oversees the protection of personal information in compliance with the BC Financial Institutions Act, the BC Personal Information Protection Act, and our privacy policies and practices.

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