First West Credit Union Legal Forms
The information provided on Envision Financial`s website is believed to be accurate at the time of publication. Envision Financial does not warrant the accuracy or completeness of this information and reserves the right to revise product information at any time without notice. This website is not intended to provide professional advice, including, but not limited to, legal, accounting or tax matters. Appropriate professional advice should be sought to address a particular issue or use of Envision Financial Website content. Envision Financial does not guarantee the accuracy of the financial calculators provided on the Envision Financial website. The calculations made by these calculators do not constitute an offer of products or rates on the part of Envision Financial. Dispute Resolution – All disputes, including refund requests, will be handled directly between you and the merchant. Refunds may be credited to your account through electronic services or any other method that the merchant deems appropriate. Within five business days of submission, we may ask you in writing to present and present to us the original cheque for an official image that you have created and submitted.
If you do not comply, we may withhold or cancel any credit associated with your account. If we ask you to resubmit an official image, you will be responsible for all costs associated with obtaining a replacement cheque that you have become unusable, destroyed or lost. Liability – You agree to indemnify and hold us harmless from and against all liabilities and costs, including reasonable legal fees, incurred by us in connection with any claim or demand relating to your use of the Remote Filing Services. You must cooperate with us with any such claim or claim. Envision Financial, a division of First West Credit Union, reiterates its commitment to the Code of Conduct for the Credit and Debit Card Industry in Canada. The Code is designed to protect the interests of credit union members with respect to the issuance and acceptance of payment cards and the operation of payment card networks. Mergers have played an important role in First West`s history. Valley First Credit Union and Envision Financial Credit Union, the two companies that merged to form First West, have their own merger background. Since its inception in 2010, First West has added two more credit unions to the herd: Enderby & District Financial in 2013 and Island Savings in 2015.
Notice – We use the contact information you provide to send you electronic communications related to the remote deposit service, including information indicating that we have received an official image. These notices are for informational purposes only and do not constitute a guarantee that the official image will be accepted by us, that the credit will be given to your account, or that any credit granted is final and irreversible. As the third largest credit union in British Columbia, Canada, First West Credit Union has nearly $11 billion in assets under management and serves nearly 250,000 members. As of January 24, 2022, non-members who make deposits into another member`s account, regardless of the amount, will be required to provide their first name, middle name (if applicable) and last name, as well as contact information, when making a deposit. Any unauthorized downloading, retransmission or other copying, use or modification of trademarks, company logos, images or other content from this site may constitute a violation of law or common law that could prosecute the infringer. Remote Deposit Service – Using a mobile device, the Remote Deposit service allows you to take a picture of a cheque payable to you and deposit it securely into your account with us. Deposits made when we are not open may take up to one business day to be credited to your account. You can only link your Canadian dollar account to another Canadian dollar account. U.S.
dollar accounts can only be linked to U.S. dollar accounts with a financial institution established in Canada. It`s no surprise that mergers within a sector often trigger a period of increased resignations, and the financial services sector is no exception. If you use our Electronic Services or any service provided by us directly or through a third party, you agree to the following principles: Introduction: Your Agreement to Use Electronic Services 3.1% reduction in organizational turnover over two years Reduction of 9.9% in revenue from entry-level positions, direct customer-facing roles in a region over three years Reduction of 13.6% in revenue from key roles in Banking in a region over two years 4.1 Internal account transfers – You can transfer money between your accounts held with us at any time. If you do, you can choose when these funds are carried forward. Any interest charged or due to you will be calculated based on the date and time the funds are actually transferred between your accounts based on our records. Transactions may be recorded on a date or time other than the date and time you initiate the transfer. With the motion analysis available in sight, First West can now see the difference between lateral and transfer movements, and gain insight into employee movements that were not previously possible, such as employees who moved due to reorganization. “Interac e-Transfer Services®” means the money transfer service provided by Interac Corp. that facilitates the sending and receiving of money transfers (including, but not limited to, account number, email address or telephone number) through direct services to and from participating financial institutions and/or Interac Corp`s Payment Service. “Debit Card” means a Card issued by us that allows you, as the Cardholder, to make deposits and withdrawals or authorize transactions on Your Account via an ATM. A debit card can also be used to purchase goods and services from merchants and/or with mobile payment services.
“Interac e-Transfer Communication” means the electronic message sent to the recipient of a money transfer when the transfer is sent through Interac e-Transfer services®®. The Interac e-Transfer message® can be read through an access terminal. “You, your, yourself” means the same as “Depositor” and means that you, the member who maintains the account with us; and Interac e-Transfer Response – When you initiate the transfer, create an Interac e-Transfer response®® or password that the recipient uses to request the transfer. The sender and recipient must keep the Interac e-Transfer® reply or password secret. You must not include the Interac e-Transfer answer® or password in the transaction details. We will not be liable for any costs, losses, damages or inconvenience arising from your use of the Remote Deposit Service, including delays in processing transactions. “we, us, our” means the same as “financial institution” and means First West Credit Union, including Envision Financial, Valley First, Enderby & District Financial and Island Savings and all other divisions of First West Credit Union. If you violate these principles, your use of our electronic services or any services provided by us directly or through a third party may be suspended or terminated at our discretion.
Availability of Services – Your access to your account depends on technologies and devices that may be affected by interruptions beyond our control. We cannot guarantee that the electronic services will not be interrupted and we will not be responsible for any consequences or losses resulting therefrom. Use of the Services – You may use the Electronic Services as soon as we provide access. We may add, remove or modify parts or features of the Electronic Services and your use thereof without notice. To understand the impact of mergers on the workforce and create a data-driven culture within HR, First West`s leadership team knew they needed to focus more on analytics. Claiming a Transfer – Recipients can request a transaction with: By using our Electronic Services, you also agree to the terms set forth in this Agreement, regardless of the technology you use to access the Services. We make no warranties with respect to the Electronic Services other than those expressly set forth in this Agreement. Any other advice, information or explanation we provide through the Electronic Services (oral or written) does not create a warranty and does not supplement or modify this Agreement. “Account” means any of your accounts or sub-accounts (if any) that you have now or in the future with the Financial Institution.
“Mobile Payment Transaction” means a transaction made through the Mobile Payment Services. ®ACCULINK is a registered trademark of Credit Union Central of Canada used under license. We reserve the right to withhold the amount of a transaction in an external or linked account. During this time, you will not have access to the money. Once a transaction has been authorized, the money usually arrives in your account within three to five business days. We cannot guarantee when a transaction will be processed and are not responsible for delays. All transactions will be cancelled if they cannot be delivered or are returned. “Electronic services” include both “direct services” and “mobile payment services”. You are responsible at all times when your personal access security code(s) are used.
