Important legal information, policies and documents.
Effective November 19, 2025, changes to your product terms and conditions will apply as described below. To read individual documents please click here.
Yes, both existing and new products are affected by these changes.
No, only the terms and conditions that govern the use of your product(s) have changed.
Yes, your eligible deposits are 100% protected by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC). To learn more, visit CUDIC’s website at https://cudicbc.ca or contact them directly at depositinsurance@bcfsa.ca or (866) 206-3030.
Please see the respective documents below to print a copy. You may also visit a branch to obtain a printed copy.
These changes are mandatory and cannot be declined.
To learn more, please speak with an advisor or call us at 1-888-597-6083.
Find all the important legal agreements, policies and documents you might be presented when you open a personal or business membership, or as you use our services.
Personal Deposit Accounts Disclosures
which includes the Personal Account & Service Fees Schedule
Personal Term Deposit Account Disclosureswhich includes the Personal Account & Service Fees Schedule
Personal Term Deposit Account Terms and Conditions
Registered Term Deposit Account Terms and Conditions
winwin® Financial Services 3 Year Sample Terms and Conditions
winwin® Financial Services 5 Year SampleTerms and Conditions
Registered winwin® Financial Services 3 Year Sample Terms and Conditions
Registered winwin® Financial Services 5 Year Sample Terms and Conditions
winwin EarthLink™ 3 Year Sample Terms and Conditions
winwin EarthLink™ 5 Year Sample Terms and Conditions
Registered winwin EarthLink™ 3 Year Sample Terms and Conditions
Registered winwin EarthLink™ 5 Year Sample Terms and Conditions
Business Deposit Accounts Disclosureswhich includes the Business Account & Service Fees Schedule
Business Term Deposit Accounts Disclosureswhich includes the Business Account & Service Fees Schedule
Business Term Deposit Account Terms and Conditions
Business winwin® Financial Services 3 Year Sample Terms and Conditions
Business winwin® Financial Services 5 Year Sample Terms and Conditions
Business winwin EarthLink™ 3 Year Sample Terms and Conditions
Business winwin EarthLink™ 5 Year Sample Terms and Conditions
Effective Aug. 13, 2023
For the purpose of this policy, “cheque” includes paper-based negotiable instruments such as certified cheques, bank drafts or money orders.
When you deposit a cheque into your deposit account at a branch or through an ATM or our mobile app, we may place a hold on these funds until the cheque is cleared at the financial institution on which it’s drawn. This means you may not have access to these funds right away. Whether or not the funds are held is influenced by your relationship with our credit union, the funds already in your account, and the amount and characteristics of the cheque being deposited. If the funds are held, the cheque could still be returned as invalid or otherwise after the hold period has expired. There are situations when we may hold funds for longer than our maximum cheque hold periods, which are outlined below.
Maximum cheque hold periods for deposit accounts
If the cheque you deposit is encoded with magnetic ink character recognition, and is not damaged in any way, the maximum hold periods you can expect are as follows:
Note: Business days are defined as Monday-Friday, excluding Saturday, Sunday and statutory holidays.
Access to the first $100
When you deposit a cheque(s) in Canadian dollars to a personal account with an advisor at a branch, you’ll have immediate access to the first $100. When you deposit a cheque(s) in Canadian dollars to a personal account at an ATM or through our mobile app, you’ll have access to the first $100 by the following business day. If the cheque you deposit is for $100 or less, you’ll have access to the entire amount. If you deposit more than one cheque at an ATM and want access to the first $100 for each, you must deposit each cheque in a separate transaction.
Exceptions to standard cheque hold periods and access to the first $100
We may extend the maximum hold period or restrict access to the first $100 of the deposit if:
Additional exceptions to holds for business accounts
Maximum cheque hold periods may be extended for eligible enterprise businesses if they have:
Note: An eligible enterprise is defined as a business with authorized credit of less than $1 million, fewer than 500 employees, and annual revenues of less than $50 million.
Your responsibility
You are financially responsible for any cheques that you deposit or cash. If you withdraw the money and the cheque is returned to our credit union for any reason (such as non-sufficient funds, a closed account or a stop payment), you will have to repay the money to our credit union and we have the right to remove the funds from your account. This can happen even after the hold period on a cheque has expired.
All content on www.envisionfinancial.ca is the property of Envision Financial. Envision Financial is a division of First West Credit Union. Only extracts of reasonable length may be reproduced providing that they are solely for private use for the purposes indicated, and that an acknowledgment is given to Envision Financial. Information provided on the Envision Financial website is for informational purposes only and does not constitute any offer or acceptance of products or services of Envision Financial. The products and services of Envision Financial are only offered in jurisdictions where they may be lawfully offered for sale. All Envision Financial products and services are subject to the terms of the applicable agreement.
Envision Financial does not guarantee the confidentiality or security of information traveling through the Internet. Furthermore, Envision Financial accepts no liability for damages suffered if sensitive information is transmitted to us.
Information provided on the Envision Financial website is believed to be correct when posted. Envision Financial does not guarantee the accuracy or completeness of said information and reserves the right to revise product information at any time, without notice. This website is not intended to provide professional advice including, without limitation to, legal, accounting, or tax matters. Advice from appropriate professionals should be obtained in order to deal with any particular matter or use of the content of the Envision Financial website. Envision Financial does not guarantee the accuracy of financial calculators provided on the Envision Financial website. Calculations of said calculators does not in any way constitute an offer of products or rates on behalf of Envision Financial.
Reference to any third-party products, services or information at this or any linked site is not intended to be an endorsement by Envision Financial, and Envision Financial disclaims all liability to same. Content expressed in news sections, editorials or third-party pages does not necessarily represent the views and opinions of Envision Financial, its employees, directors or members.
Any unauthorized downloading, re-transmission, or other copying, use or modification of Trade-marks, corporate logos, imagery or other contents of this Website may be a violation of statutory or common law rights which could subject the violator to legal action.
Envision Financial is an authorized user of the marks EXCHANGE, INTERAC®, PLUS, ACCULINK®, MASTERCARD, CIRRUS and MEMBER CARD®.
® Trade-Mark of Interac Inc. Used under licence
®ACCULINK is a registered trade-mark 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.
Note that your selection of communication preference for e-Statements and e-Documents will apply to all of your products that you currently have with us. We may, for any reason, deliver paper documents to you even though you have consented to Electronic delivery.
To view your e-Statements or e-Documents, follow the steps below:
E-Statements and e-Documents are provided as PDF files. You must have Adobe Acrobat reader installed on your computer in order to open them. |
Envision Financial, a division of First West Credit Union, 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.
In response to the requirement for all Canadian financial institutions to collect conductor information under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) and associated Regulations, First West is updating its policies in accordance with these regulations.
Effective Jan. 24, 2022, non-members making deposits into another member’s account―regardless of amount―will be asked to provide their first, middle (if applicable) and last name along with contact information when they make a deposit.
Speak to an advisor on the phone or at a branch.
We acknowledge that we have the privilege of doing business on the traditional and unceded territory of First Nations communities.
