The Boards of Directors of Crosstown Civic Credit Union and Access Credit Union announced the approval of the merger the evening of June 25, 2020 following the online member vote held that week.
The resolution was passed with 87% of the Crosstown Civic members and 77% of the Access Credit Union members who voted in favour of the amalgamation. Both credit unions will officially merge into a new legal entity on January 1, 2021: the new Access Credit Union.
Our new credit union by the numbers:
Based on unaudited financial results up to December 31, 2019, here are the estimated numbers for the new Access Credit Union:
- $5.445B in balance sheet assets
- 26 branches in Manitoba
- More than 84,800 members
- More than 400 employees
|Legacy Crosstown Civic Credit Union Reports||Legacy Access Credit Union Reports|
2020 Annual Report (Coming soon)
2020 Consolidated Financial Statements (Coming soon)
2020 Annual Report (Coming soon)
2020 Consolidated Financial Statements (Coming soon)
Certain names, words, titles, phrases, logos, icons, graphics or designs in the pages of this website may constitute trade names, registered or unregistered trademarks of Access Credit Union, or may be used by Access under license from a third party.
Trademarks of Access Credit Union
® HANDS & GLOBE Design is a registered certification mark owned by the World Council of Credit Unions, used under license.
® PLAN 24 is a registered trademark, MEMBER CARD and MEMBER CARD & Design are registered certification marks owned by Credit Union Central of Canada, used under license.
® MEMBERDIRECT & Design are registered trademarks owned by Credit Union Central of Canada, used under license.
®ACCULINK is a registered trademark owned by Canadian Credit Union Association and is used under license.
®CIRRUS is a registered trademark owned by Cirrus Systems Inc. and is used under license.
™Android is a trademark of Google, Inc.
®Apple, iPhone, and Apple Watch are trademarks of Apple Inc., registered in the U.S. and other countries.
®iPad is a registered trademark of Apple Inc.
®Collabria trademark is Collabria Financial Services’ property.
®The Collabria Mastercard is issued by Collabria Financial Services Inc. pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
*The Collabria Visa Card is issued by Collabria Financial Services Inc. pursuant to a license from Visa. *Trademark of Visa Int., used under license.
®Credential is a registered mark owned by Aviso Wealth Inc. and is used under license.
™DEPOSIT ANYWHERE is a trademark of Central 1 Credit Union, used under license.
®ding free is a registered trademark of Central 1 Credit Union, used under license.
®Interac, Interac e-Transfer†, Interac Flash, and the Interac logo are registered trademarks of Interac Corp. Used under license.
®VirtualWealth is a trade name of Credential Qtrade Securities Inc.
Our commitment to your safety
Protecting your money and your information is our highest priority. We are committed to protecting your financial information and have extensive security features in place to ensure banking online is safe and private. Here you can read about how we can work together to protect your information so you can feel safe and secure when transacting online.
- Our online banking platform is provided by our credit union partner, Central 1 Credit Union. Central 1 follows ISO 27001, an international standard for Information Security Management Systems (ISMS).
- Our firewalls prevent unauthorized access to our internal systems. Data coming to us from your computer via the internet goes through a series of safety checkpoints so that only authorized messages and transactions enter our computer systems.
- Your accounts can only be accessed by providing the correct login User ID and Password/Personal Access Code (PAC), which only you know.
- Online banking sessions that time-out automatically if there has been no account activity for 15 minutes. If the system detects that you have been inactive for 15 minutes or more, you will be required to sign in again.
- If you don't log in to online banking for more than 30 days, your account will be inactive for security purposes and you may be locked out. If this occurs, please contact our Member Solutions Centre to regain access to your account.
While we take strong measures to protect your information, we also recommend that you take these important safeguards to keep your information safe.
How you can protect yourself
It’s important to keep your web browser up-to date as it will host the latest security features to protect you when you’re online.
Online Banking and the Internet
- To ensure a safe and secure banking session, ensure your operating system, web browser and applications have the most current update and only visit reputable sites. If you visit a website that displays advertising pop ups for instance, we recommend you close your browser and restart it before proceeding to Access Credit Union Online Banking.
- Install and use a quality anti-virus program and ensure it is upgraded regularly.
- Do not use automatic password-save features in the browsers and software you use to access Online Banking.
- Whenever possible, avoid using public computers that have been setup for shared public purposes, such as internet cafes, libraries and even hotels when accessing Online Banking. Although using a supported browser will help with security, public computers accessed by hackers can be made to store keystrokes and record personal information without your knowledge.
- Use a cellular network instead of public Wi-Fi to do online banking.
- Never leave your PC unattended while using our Access Credit Union Services. Always exit Online Banking using the logout button, and close your browser if you step away from your computer. Your internet browser software may retain information you entered in the login screen and elsewhere until you exit the browser.
- Secure or erase files stored on your PC by clearing your cache in your Internet browser regularly. Most Internet browsers store information in non-protected (unencrypted) files in the browser’s cache to improve performance. The files remain until they are erased by clearing your cache.
- Every time you use Online Banking, you will need to enter your username and Password/PAC, which ensures only you can log into your accounts. Your User ID and password/PAC are your keys to safe and secure banking.
Here are some best practices to follow:
- Do not share your Password/PAC with anyone.
- Never automatically save your password/PAC to your internet browser.
- Choose a Password/PAC that is easy for you to remember but difficult for other to guess.
- Do not keep your Password/PAC in obvious places such as sticky notes around your monitor or under your keyboard.
- Use a mix of numbers, symbols, upper and lower case letters for your password.
- Never disclose your Password/PAC in a voicemail, email or in conversation over the phone.
- Ensure that you change your Password/PAC on a regular basis.
Set up account alerts from within your online banking
Direct Alerts are a great way to automatically warn you of certain changes to your online banking account. As an additional layer of security, Direct Alerts allow you to receive notifications via text message or email which will prompt you to inform us of any suspicious activity so as we can investigate and take immediate action.
- Navigate to the “Messages and Alerts” area on the left hand side menu of your main page once you have logged in.
- Click on the “Manage Alerts” subcategory within that area.
- Choose any of the available alerts from the list that you would like to activate and follow the prompt to set up.
Protect Yourself from Phishing
Phishing or hoax emails and tests are fraudulent communications that appear to be sent from Access Credit Union or other legitimate businesses and companies. These emails or texts try to trick you into providing personal information, such as your member number, online or telephone banking passwords, card details, birth date, driver’s licence or passport number or any other personal information that might be used to identify you.
Emails can also be from unknown senders and contain links or attachments that download and install malware onto your computer.
How can you protect yourself from phishing scams?
- Recognize that Access Credit Union, will never ask you for confidential information by way of unsolicited phone calls or email. So if you receive communication regarding your account via one of these channels, be immediately suspicious.
- Be alert. Phishing e-mails are designed to look legitimate. Often they include an organization’s logo and mimic the organization’s branding. But look closer. Hold your mouse over any hyperlinks in the document and watch which address comes up in your browser’s status bar. Chances are it’s not the organization’s legitimate website. Spelling mistakes and grammar errors are another dead giveaway.
- Do your research. Visit www.antifraudcentre.ca for news and alerts about current scams. If you don’t find anything listed, don’t be afraid to call the organization directly and ask.
If you receive an e-mail from Access Credit Union that looks suspicious, please contact your branch immediately.
For more information on how you can stay cyber-safe, visit the Government of Canada’s website at www.getcybersafe.gc.ca.
Your Privacy is Important to Us
We are committed to protecting your privacy and safeguarding your personal and financial information. While the Internet is revolutionizing the way that we do business — providing convenient access to financial services from your home or office — we also recognize that it may bring legitimate concerns about privacy and security.
Questions or Comments
In most cases, a question or complaint can be resolved by discussion with your Branch Manager at your local branch. If a problem regarding privacy is not resolved to your satisfaction and/or you require additional information, you should send a written request to our Privacy Officer by mail, at the address below:
Access Credit Union Limited
Attention: Privacy Officer
PTH #14 Unit #2 – 23111
Stanley Business Centre
Box 1418 Winkler, MB
Be sure to include:
- Your name
- Your address/e-mail address where you prefer to be reached
- If you prefer, fax number with area code
- The nature of your complaint or request
- Details relevant to the matter and with whom you have already discussed the issue
If a problem regarding privacy remains outstanding, you can ask how your complaint can be further escalated.
In April 2000, the House of Commons enacted the Personal Information Protection and Electronic Documents Act which affects the way corporations collect, maintain and use personally identifiable information. Access Credit Union Limited has adopted a Privacy Code that is designed to protect the confidentiality of your personal information. This code follows the 10 principles of Canada's new privacy legislation as stated in the Personal Information Protection and Electronic Documents Act. Access Credit Union Limited has always treated your information in a confidential manner and is committed to keeping personal information confidential, secure and private. In adopting this Privacy Code for the Protection of Personal Information, what has been accepted practice of Access Credit Union, becomes a documented commitment to our members.
Canada's New Privacy Legislation
Ten principles form the basis of our Privacy Code:
- Accountability. The credit union is responsible for the personal information under its control and shall designate an individual who is accountable for the credit union's compliance with the principles of the Code.
- Identifying Purposes. The purposes for which personal information is collected shall be identified by the credit union when or before the information is collected.
- Consent. The knowledge and consent of the member are required for the collection, use, or disclosure of personal information, except where inappropriate.
- Limiting Collection. The collection of personal information shall be limited to that which is necessary for the purposes identified by the credit union. Information shall be collected by fair and lawful means.
- Limiting Use, Disclosure, and Retention. Personal information shall not be used or disclosed for purposes other than those for which it was collected, except with the consent of the member or as required by law. Personal information shall be retained only as long as necessary for the fulfillment of those purposes.
- Accuracy. Personal information shall be as accurate, complete and up-to-date as is necessary for the purposes for which it is to be used.
- Safeguards. Personal information shall be protected by security safeguards appropriate to the sensitivity of the information. The credit union will take the same standard of care as it takes to safeguard its own confidential information of a similar nature.
- Openness. The credit union shall make readily available to members specific, understandable information about its policies and practices relating to the management of personal information.
- Individual Access. Upon request, a member shall be informed of the existence, use, and disclosure of their personal information and shall be given access to that information. A member is entitled to challenge the accuracy and completeness of the information and have it amended as appropriate.
- Compliance. A member shall be able to question compliance with the above principles to the designated individual accountable for the credit union's compliance. All inquiries regarding privacy should be in writing to the privacy officer by email at email@example.com or mail, at the address below.
Access Credit Union Limited
Attention: Privacy Officer
PTH #14 Unit #2 – 23111
Stanley Business Centre
Box 1418 Winkler, MB
Why We Ask For Your Information
We hold personal information about members to help us meet and maintain the highest standards of financial service. The information we ask for depends on which product or service you want. For every product or service, we need your name, address and some identification. We only collect and use the information for the purposes explained to you. Here is why we need some of the other information we ask you to provide:
Birth Date. This helps us identify you and ensure that no one is trying to impersonate you. We may also use it to determine your eligibility for products and services that may be of benefit to a particular age group.
Social Insurance Number (SIN). Your SIN is required for products which earn investment income, in order to comply with Canada Revenue Agency's income reporting requirements. We also use it to keep your information separate from that of other customers with a similar name, including information we obtain with your consent through the credit approval process.
Financial Information. This is used to assess your eligibility for any credit products such as a line of credit or loan. We also use it to ensure that the advice we give you is appropriate for you.
Health Information. This is required for some insurance products to ensure you are eligible for coverage.
When you apply for a new product or service, we will indicate in the application or agreement how we intend to use your information. If we need to use it for another purpose, we will ask you for your consent at that time.
Your credit union has always treated your private information in a confidential manner. Credit Union employees have always been required to sign a confidentiality agreement as a condition of employment.
Protecting Your Privacy Over the Internet
This information page describes in general terms how your personal information is collected and used within our website.
Password Protection. Whenever you receive a temporary password we strongly encourage you to change it, as soon as possible, to something confidential and private, which only you would know. When changing passwords, you should avoid anything that includes information someone else knows or has access to, such as birth dates, addresses, any numbers found in your wallet or words associated with you. Your passwords are private and absolutely no one has the authority to obtain them from you at any time, including credit union staff or officials. Do not tell anyone your password. Your browser may give you the option of saving passwords for you, but for security reasons we do not advise you to use it.
Transactional Service. By nature, our Internet banking site has many transactional functions such as transfers between accounts and bill payment functions. These transactions are all logged to ensure that your accounts are debited or credited appropriately, and a history of each transaction is available to verify your account information. We store and use your transactional information in the same fashion as if you performed the transaction at a branch or through any other service channel.
We may also use transactional information for servicing your account — for example, billing you for the particular transactions that you perform, or for the services that you use.
Creating a Secure Channel. We create a secure channel between your browser and our server to protect your information when you use the site. To learn more about how we do this, please review our information on Security .
Application Forms. To provide you with a convenient method for applying for loans and mortgages, or for purchasing other financial services products such as Registered Savings Plans, we may provide secure online application forms. These forms capture personal information that we use to provide you with the products and services you request. This information is processed in a similar way to application forms received through our other channels .
Browser Encryption. We require that 128-bit encryption be used when conducting financial transactions over the Internet. While every effort is made, through the use of industry recognized security standards, to continually protect personal information from misuse and alteration, Access Credit Union and its affiliates do not guarantee the security of your information over the Internet. If your browser does not support 128-bit encryption, you will have to download and install a version of your browser that supports it.
Cache Storage. Always log out of any site where you have viewed or sent personal or financial information. For added security and privacy, clearing your browser's cache at the end of every on-line session is a good habit to get into.
The purpose of caching is to make your browser more efficient by eliminating the need for it to reload previously viewed pages every time you visit. However, it also allows anyone to view those pages. You can clear your cache by deleting items in the Temporary Internet Files folder in your file manager, or through the browser itself.
E-mail. When you forward e-mail to Access Credit Union, we recommend that you use caution and do not include confidential information in those messages, as they are not encrypted. E-mail is very similar to that of a post card and along the way someone can read every word that has been written.
Upon receipt of your e-mail, we may store your correspondence and exact e-mail address for future communications directly with you. Under no circumstances do we sell e-mail addresses or share them with any other party.
Links to Other Sites. Our site may also contain links to other websites or Internet resources. As an example, from time-to-time we may provide links to Microsoft or Netscape to assist you in upgrading your Internet browser. However, we have no control over these other websites or Internet resources and do not control their collection, use and disclosure of your personal information. Always review the Privacy Statements of the sites that you are viewing.
Cookies of third party providers and tracking
Cookies. Web sites often collect non-personal information in small text files called "cookies" when you enter web sites. Some sites will place a cookie on your system so you don't have to identify yourself by entering a password each and every time you visit a site. Access Credit Union uses session cookies on its sites, which are only stored for the length of time you are in the site. They are not written to your hard drive and are used only to provide easier access while there. They are not used to identify users or to track usage. If you use the browser's option of saving a password, it will be saved in a cookie.
We use the services of other companies to optimize this website and our services. You will receive an overview of the services we use in the following section(s).
A. Google Analytics
If you visit this website using a mobile device (e.g. a smartphone or tablet), you can refuse the future use of Google Analytics via this link. By activating the link, we will put a cookie in your browser, which signals to us that we should prevent Google Analytics from using your device. Please keep in mind that you will have to repeat the refusal process if you remove the cookies from your browser.
B. Google AdWords Conversion Tracking
Cookies related to Google’s AdWords service are in use on this website. These are small text files saved on the user's computer. The information generated by the cookie about the website use will be transmitted to and stored on servers in the United States by Google. Using cookies, the user behavior on a website can be analyzed and subsequently utilized to provide targeted product recommendations and advertising based on the user's interests. Data stored in these cookies do not contain personally identifiable information.
C. Google AdWords Remarketing
This website uses Google's remarketing technology. This technology enables users who have already visited our online services and shown interest in our services to see targeted advertising on the websites of the Google partner network. Likewise, users that are similar to the visitors of this website can be included as part of the remarketing audience.
D. Facebook Conversion Tracking Pixel
With your permission, this website utilizes the Conversion Tracking Pixel service of Facebook Inc. This tool allows us to follow the actions of users after they are redirected to a provider's website by clicking on a Facebook advertisement. We are thus able to record the efficacy of Facebook advertisements for statistical and market research purposes. The collected data remain anonymous. This means that we cannot see the personal data of any individual user. However, the collected data are saved and processed by Facebook. We are informing you on this matter according to our information at this time. Facebook is able to connect the data with your Facebook account and use the data for their own advertising purposes, in accordance with Facebook's Data Use Policy found under: https://www.facebook.com/about/privacy/. Facebook Conversion Tracking also allows Facebook and its partners to show you advertisements on and outside Facebook. In addition, a cookie will be saved onto your computer for these purposes.
Only users over 13 years of age may give their permission.
Please click here if you would like to revoke your permission: https://www.facebook.com/ads/website_custom_audiences/.
E. Twitter Conversion Tracking
We use the Conversion Tracking service of Twitter Inc. This tracking records if a user of this website clicks on a link posted by Twitter. In this way, both we and Twitter can see if a registration has taken place. The identity of the user remains anonymous. In addition, we use Twitter's Tailored Audiences service. This enables us to appeal to this website's users with targeted advertisements. To do this, Twitter uses a code snippet (tag) which we have integrated into this website. No personal data are collected during this process. Tailored Audiences is also used to create lookalike targeting lists.
We welcome any questions or concerns about your privacy relating to use of our website. Please email us at firstname.lastname@example.org your questions or comments. As we continue to expand our online banking service to serve you better, we may update the information on this page at any time, to reflect changes.