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  • FAQ

You've got questions.         We've got answers.



You've got questions.
We've got answers.                              

General Help
Online Banking
Mobile Banking
Deposit Insurance & Deposit Anywhere™️
RDSP
International Transfers

Which browsers can I use?

Browsers are the software programs you use to access the World Wide Web.  They’ve seen significant improvements over the years. Browsers used must support cookies, Secure Socket Layer (SSL) and tables. See Browser Requirements for more information.

What is a cookie?

A cookie is a small information token that sits on your computer. As you use the site, cookies are passed back and forth between our server and your browser. More information on cookies can be found here.

What screen settings do I need?

This site is best viewed at screen settings of 800 by 600 pixels or 1024 by 768 pixels. To adjust your screen setting, right click on your desktop screen, and click Priorities > Settings > Desktop Area > Test. Once the test is complete, click OK.

What plug-ins do I need?

How can I personalize my account and preferences?

Personalizing your profile lets us give you a better, more specific banking experience. It lets you memorize your account information for faster logins. Once you’ve created a profile, your preferences are recorded and loaded when you next visit the site. You must have cookies enabled in your browser to use these features.

How do I add a memorized account?

To add a new Memorized Account, click on Add a Memorized Account if you do not have any Memorized Accounts, or on Manage Memorized Accounts if you already have Memorized Accounts. Then, click on Add an Account and complete the Add a Memorized Account page.

What are your new password security features?

We’ve enhanced our password security features to allow members to create stronger and more secure passwords. There is no immediate need to change your PAC, but for your own security, we recommend that you do as soon as possible.
To update your PAC:

  • Log in to online banking
  • Go to Profile > Preferences
  • Click ‘Change Personal Access Code’
  • Change, verify, and submit your new PAC

​How can I search my account activity?

First, select the account you would like to view or view all accounts. Then, choose from the following search options:

  • Recent transactions. View a specific number of transactions within the last 15 days.
  • Date range. Enter a date range in the format dd/mm/yyyy or using the calendar tool.
  • Monthly. Use the dropdown menu to view transactions from that month.
  • Advanced Options. Click Advanced Options to the type of account activity to view. 
    • To download your account activity to a specific program, check the ‘Download To’ checkbox and select the program you would like to use from the dropdown menu.
    • Once you have selected all your options, click Search.

How do I use your Mobile App?

For basic support and how-to, view our how-to guide here.

​What is Mobile Banking?

Mobile banking lets you access your account balance and transaction history on your mobile device. Send a text message to request information, and we’ll text you back with the information you need.

​Will Mobile Banking work on my mobile phone?

Yes. Mobile Banking works on all mobile phones that support text messaging. If you experience problems, please check with your carrier.

​What does it cost to use Mobile Banking?

Community Savings does not charge for Mobile Banking, but standard messaging rates for sending or receiving text messages may be applied by your carrier.

​I want to sign up. How do I get started?

  • Log in to Online Banking
  • Register your mobile phone
  • Text a mobile banking command to your shortcode
  • Receive a text message back with your banking information

Don't have an Online Banking account? Call 1-888-963-2000 to get started today.

​Is my personal information secure in Mobile Banking?

Yes. Mobile Banking is as secure as online banking. Your mobile banking preferences can only be changed in online banking, and account numbers and personal information are never included in the text messages.

​What if my phone is misplaced, lost or stolen?

If you have temporarily misplaced your mobile phone (e.g. you left it at work), you can disable Mobile Banking temporarily from the Mobile Banking Preferences page in online banking.

If your phone was lost or stolen, go to the Mobile Banking Preferences page within online banking and delete it immediately. You should also follow your carrier’s recommendations for reporting lost or stolen phones.

I have changed carriers and/or have changed phone numbers, will Mobile Banking work?

As a security precaution, Mobile Banking will automatically set your phone to Disabled if you change your carrier or phone number. Text “help” to your shortcode for instructions on enabling your phone.

​Which carriers does Mobile Banking work with?

Bell, Rogers, TELUS, Virgin, Fido, MTS, Sasktel, PC Mobile (President’s Choice), Solo, Koodo, Freedom Mobile

If your carrier isn’t listed, it may not support Mobile Banking. Some mobile service providers, such as 7-Eleven SpeakOut™ Wireless and Petro-Canada Mobility, do not support this feature. Please check with your mobile carrier or provider to confirm.

What is Deposit Insurance?

Deposits are 100% guaranteed. Protection provided by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC). Learn more.

​What is Deposit Anywhere?

Deposit Anywhere is a feature on our banking app that lets you deposit cheques by taking a photo and submitting them to our financial institution. You can do this anytime, anywhere, day or night.

​How do I get Deposit Anywhere?

Deposit Anywhere is available in the Community Savings Banking App.
Download for iPhone
Download for Android

​How do I use Deposit Anywhere?

  • Open your mobile banking app
  • Tap “Deposit”
  • Select the account you’d like the funds deposited to
  • Enter the amount
  • Take a photo of the front and back of the cheque
  • Confirm the details
  • Tap “Submit”

The funds will then be deposited securely into your account.

​Are there any fees for using Deposit Anywhere?

No fees-- this service is completely free.

​What types of cheques can I draw on?

You can deposit any cheque payable in Canadian Dollars and drawn at a Canadian financial institution. They must be payable to, and endorsed by, the account holder.

​How will I know if there are issues with my deposit?

In the rare circumstance that there is an issue with the deposit, after you receive confirmation during the deposit, we’ll contact you.

​Do I have to mail in the cheques afterwards?

No, you do not need to send the physical cheque(s) to your branch. Hang on the cheque and destroy it after 90 days.

​What happens if I enter the wrong amount by mistake?

Not to worry, mistakes happen. We double check all the information you enter, to ensure the right amount is deposited quickly and securely into your account. If you have questions, call us anytime at 1-888-963-2000.

​Can I use the funds right away?

Just like when you deposit cheques at an ATM or in-branch, standard holds apply, so your funds may need time to clear.

​Is depositing cheques with a mobile phone safe?

Yes. As a feature of our mobile banking app, Deposit Anywhere meets the same high standards as our mobile and online banking services.

​Why was the RDSP created?

  • To empower people living with disabilities. The goal of the program was to help ensure that every Canadian is able to live a safe and secure life.
  • For parents, helping them set up a stable and secure financial future for their son or daughter.
  • To help differently abled people enjoy the best life with proper financial planning. It’s well known that a person’s wealth often predicts their long-term health.

​Is there a contribution limit?

No, there’s no annual contribution limit, but there is a lifetime contribution limit of $200,000. Contributions can be made into an RDSP until the end of the calendar year in which the beneficiary turns 59.

​Which part of the RDSP is taxed?

Federal contributions and savings generated within the plan count as income, and are taxed at the time of withdrawal. Private contributions are not subject to tax.

​Who can contribute to an RDSP?

Contributions into the RDSP can be made by anyone with written permission from the plan holder. This includes family members, friends, charities, foundations and organizations.

​When can I withdraw savings from my RDSP?

Withdrawals can be taken at any age. They must begin by the age of 60. Once a withdrawal is made, you are free to spend the money on anything you choose. Grants and bonds must be in an RDSP for 10 years before any withdrawals are made, otherwise, the grants and bonds must be repaid.

What is the maximum and minimum transfer amount? 

You can transfer up to $25,000, or as little as $10 (a $2.50 fee applies to amounts less than $500**

How do I keep track of my transfer? 

Your transfer will appear in your transaction history in online banking in real-time, plus, you’ll receive an email notification when the transfer has left your account and when it arrives at the recipient’s account.

How long does the transfer take? 

Quick next-day delivery in North America and up to two business days everywhere else.

How safe is my transfer?

Your transfer is protected with AES 256-bit encryption, automated identity verification, anti-money laundering procedures, automated online checks, advanced anti-fraud safeguards and insurance coverage - all through a FINTRAC-regulated entity.

What are the exchange rates? 

With live pricing, you get the real exchange rate—every time.

What are the fees? 

$0 for transfers above CAD $500.*  A $2.50 fee per applies to transfers below $500.**

How do I know how much the recipient will receive? 

With our guaranteed transfer amount, what is sent is what is received— there are no deductions ever.

If you have more questions about international transfers, please call us at 604-654-2000 or toll free: 1-888-963-2000

*For local currency delivery. A fee is charged for Non-Local Currency delivery.
**with the exception of the following countries: India - $5<$1000, Philippines - $6<$2000, Hungary - $3<$1000, Czech - $3<$1000, Denmark - $3<$1000, Thailand $3<$1000, Korea is a $7.50 fee 
International Transfer services are provided by Agilty Forex Ltd., DBA AFL International transfers, FINTRAC registration number M13773887

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Experience the benefits of being part of a Community Savings and supporting your community.

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Can't find what you're looking for?

Let us help you. It's what we do.

Contact us

Become a member.

Experience the benefits of being part of Community Savings and supporting your community.

Join us