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

Changes to Personal Contract Terms and Conditions

Effective September 21, 2020, the below will be applicable to all personal memberships.

Revisions were made to the Personal Contract (Member and Account) Terms and Conditions, which has been re-named the Personal Member Application and Personal Account Contract Terms and Conditions.

The following is a non-exhaustive summary of changes as compared to the previous versions:

  • All joint accounts, unless the Depositor has requested otherwise by written notice to the Financial Institution, are deemed to have “Right of Survivorship” in place.

  • If upon written notice to the Financial Institution, the Depositor requests “Right of Survivorship” not be applied to the Account, then upon the death of a Depositor the Financial Institution is entitled to assume, based on the written notice received, either:
    • That each of the Survivor(s) and the deceased Depositor had equal interest in the Account or,

    • That the interest in the Account will be paid in the manner and percent, to either the survivor(s), the authorized representative of the deceased Depositor’s estate, or both, provided that the Financial Institution has received written notice to that effect which has been signed by all parties.

Download a PDF Copy

Personal Account Agreement Terms and Conditions:

Business Membership Terms and Conditions:

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