​Personal Account Agreement Terms and Conditions are in effect for all members. Please see below:

Changes to the Debit Card Services Agreement

Some of the terms and conditions on the Debit Card Services Agreement
have been updated and are now in effect for all Member Card holders.

Many of the changes were to update mobile language to reflect the function of OEM wallets (Apple Pay, Google Pay and Samsung Pay) and to consider that users of mobile wallets must also agree to terms and conditions when adding their card to a wallet.

The revised sections, which are now in effect, include:

  • Section 2 was reworded to provide clarity and the reference to Passcode was removed. Passcode is addressed in the terms and conditions of all mobile platforms (Apple Pay, Samsung Pay and Google Pay).
  • Inserted section 12 to align with the Canadian Code of Practice for Consumer Debit Card Services.
  • Terms and Conditions in Section 18 that are already addressed in the terms and conditions in all mobile platforms were removed.
  • Location-based services under the Mobile Payment Service section is removed. Any location data received by the OEM wallet app is not shared with credit unions

For a copy of the revised Debit Card Services Agreement, see below.

Personal Account Agreement Terms and Conditions:

Business Membership Terms and Conditions:

Code of Conduct for the Credit and Debit Card Industry in Canada

Canadian Credit Union Association (CCUA) on behalf of the credit union system, is stating our re-commitment to the Code of Conduct for the Credit and Debit Card Industry in Canada.  The Code was designed to protect credit union members’ interests related to the issuance and acceptance of payment cards, and to the operation of payment card networks.

Learn more about the Code of Conduct for the Credit and Debit Card Industry in Canada  >

Warranties and Limitations of Liability

Information and documents provided on this Website are provided “as is” without any warranty. Interior Savings Credit Union uses reasonable efforts to furnish accurate and up-to-date information on this Website; it does not, however, warrant its accuracy, adequacy, timeliness or completeness. Rates, fees, terms, conditions and other information is subject to change at any time without notice to users and the posted rates and fees on the site may not immediately reflect such changes.

Your use of this Website is at your own risk. In no event will Interior Savings Credit Union, its suppliers, and the other parties involved in creating and delivering this Website’s contents be liable for any damages, losses or expenses of any kind arising from or in connection with this Website or its use or any person’s inability to use the site, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, loss of data or otherwise, even if Interior Savings Credit Union, or its representatives, are advised of the possibility of such damages, losses or expenses.

No endorsement of any third party products, services or information is made or implied by any information, material or content referenced or included on, or linked from or to this Website.

Copyright and Trademarks®

ACCULINK , MEMBERDIRECT, MEMBERDIRECT & Design and FAT CAT are registered trade-marks owned by Credit Union Central of Canada, used under license.®

MEMBER CARD and MEMBER CARD & Design are registered certification marks owned by Credit Union Central of Canada, used under license.

Questions or Concerns?

Please reach out to us and we'll happily answer any questions or concerns.