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Digital banking help

Open or upgrade accounts

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The below instructions are for if you have a membership
If it's your first account, open a membership first.

Open a chequing or savings account

How to do it

  1. Sign in to digital banking
  2. From the menu, select Products & Services then Open an Account
  3. Under Day-to-Day Banking, select See accounts
  4. Select Open account for the account you want to open
  5. Fill in the fields and select Continue
  6. Review the details and select Confirm

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Open a Tax Free Savings Account (TFSA)

Eligibility requirements

  • Must be a resident of Canada for tax purposes
  • Be the legal age of majority*
  • Have a valid SIN

* Legal age of majority: 18 – Alberta, Manitoba, Ontario, Prince Edward Island, Quebec, Saskatchewan 19 – British Columbia, New Brunswick, Newfoundland, Northwest Territories, Nova Scotia, Nunavut, Yukon 

How to do it

  1. Sign in to digital banking
  2. From the menu, select Products & Services then Open an Account
  3. Under Save or Invest in Your TFSA, select See accounts
  4. Select the Open account button
  5. Verify your contact information is correct, select your beneficiary type and fill in the rest of the fields
  6. Select Continue
  7. Review your details and select Confirm

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Open a Registered Retirement Savings Plan (RRSP)

Eligibility requirements

  • Must be a resident of Canada for tax purposes
  • Be the 18 to 70
  • Have earned income in Canada

How to do it

  1. Sign in to digital banking
  2. From the menu, select Products & Services then Open an Account
  3. Under Save or Invest in Your RRSP, select See accounts
  4. Select the Open account button
  5. Verify your contact information is correct, select your beneficiary type and fill in the rest of the fields
  6. Select Continue
  7. Review your details and select Confirm

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Open a First Home Savings Account (FHSA)

Eligibility requirements

  • Must be a resident of Canada for tax purposes
  • Be the legal age of majority*
  • Have a valid SIN
  • Be a first-time home buyer by the following definition:
    • You did not, in this calendar year, or in the previous four calendar years, inhabit as a principal place of residence either (A) a home located in Canada or elsewhere, or (B) a share of a cooperative housing corporation which entitled the owner to possession of a home in Canada or elsewhere, that was owned (fully or jointly) by you or your spouse or common-law partner.

* Legal age of majority: 18 – Alberta, Manitoba, Ontario, Prince Edward Island, Quebec, Saskatchewan 19 – British Columbia, New Brunswick, Newfoundland, Northwest Territories, Nova Scotia, Nunavut, Yukon

How to do it

  1. Sign in to digital banking
  2. From the menu, select Products & Services then Open an Account
  3. Under Save or Invest in Your FHSA, select See accounts
  4. Select the Open account button
  5. Answer the home ownership question to declare your eligibility
  6. Verify your contact information is correct, select your beneficiary type and fill in the rest of the fields
  7. Select Continue
  8. Review your details and select Confirm

Ready to go?

Sign in through this button to go directly to the Open an Account page.

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Invest in a Non-Registered GIC

How to do it

  1. Sign in to digital banking
  2. From the menu, select Products & Services then Open an Account 
  3. Under Earn Guaranteed Interest, select See accounts
  4. Select Open account for the GIC type you want to open
  5. Select the account you wish to fund the GIC from, fill in the rest of the fields and select Continue
  6. Review the details and select Confirm

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Invest in a Tax Free Savings Account (TFSA) GIC

How to do it

If you already have a TFSA:

  1. Sign in to digital banking
  2. From the menu, select Products & Services then Open an Account
  3. Under Save or Invest in Your TFSA, select See accounts
  4. Select Open Account for the TFSA GIC type you want to open
  5. Select your TFSA Savings Account to fund the TFSA GIC from, fill in the rest of the fields and select Continue
  6. Review the details and select Confirm

If you don't have a TFSA yet:
To open a TFSA GIC, first you need a TFSA Savings Account. Once that’s opened, you’ll transfer the funds for your GIC to the savings account, then fund your GIC from that account.

1. Open a TFSA Savings Account:

  1. Sign in to digital banking
  2. From the menu, select Products & Services then Open an Account
  3. Under Save or Invest in Your TFSA, select See accounts
  4. Select the Open account button
  5. Verify your contact information is correct, select your beneficiary type and fill in the rest of the fields
  6. Select Continue
  7. Review your details and select Confirm

2. Transfer money to the TFSA Savings Account:

  1. Sign in to digital banking
  2. From the menu, select Transfers then Transfer Funds
  3. Select the account to transfer money from
  4. Select your TFSA Savings Account as the account to transfer to
  5. Specify the amount and select Continue

3. Open a TFSA GIC:

  1. From the menu, select Products & Services then Open an Account
  2. Under Save or Invest in Your TFSA, select See accounts
  3. Select Open Account for the TFSA GIC type you want to open
  4. Select your TFSA Savings Account to fund the TFSA GIC from, fill in the rest of the fields and select Continue
  5. Review the details and select Confirm

Ready to go?

Sign in through this button to go directly to the Open an Accounts page.

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FAQs

When opening a GIC, we will ask you which account you want to fund the GIC from. If you are opening an RRSP or TFSA GIC, you need to fund it from an existing TFSA or RRSP account in your membership. Likewise, if you are opening a regular GIC, it cannot be funded from a TFSA or RRSP account.

If you are opening a TFSA or RRSP GIC and don’t have any funds in your existing TFSA or RRSP, simply perform a transfer into the account first. Remember to be aware of your contribution limits when making TFSA and RRSP deposits.

Once an account or GIC is open, you will be able to view it in your Account Overview.

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Invest in a Registered Retirement Savings Plan (RRSP) GIC

How to do it

If you are already have an RRSP:

  1. Sign in to digital banking
  2. From the menu, select Products & Services, then Open an Account
  3. Under Save or Invest in Your RRSP, select See accounts
  4. Select Open Account for the RRSP GIC type you want to open
  5. Select your RRSP Savings Account to fund the RRSP GIC from, fill in the rest of the fields and select Continue
  6. Review the details and select Confirm

If you don’t have an RRSP yet:
To open an RRSP GIC, first you need an RRSP Savings Account. Once that’s opened, you’ll transfer the funds for your GIC to the savings account, then fund your GIC from that account.

1. Open an RRSP Savings Account:
  1. Sign in to digital banking
  2. From the menu, select Products & Services then Open an Account
  3. Under Save or Invest in Your RRSP, select See accounts
  4. Select the Open account button
  5. Verify your contact information is correct, select your beneficiary type and fill in the rest of the fields
  6. Select Continue
  7. Review your details and select Confirm
2. Transfer money to the RRSP Savings Account:
  1. Sign in to digital banking
  2. From the menu, select Transfers then Transfer Funds
  3. Select the account to transfer money from
  4. Select your RRSP Savings Account as the account to transfer to
  5. Specify the amount and select Continue
3. Open an RRSP GIC:
  1. From the menu, select Products & Services then Open an Account
  2. Under Save or Invest in Your RRSP, select See accounts
  3. Select Open Account for the RRSP GIC type you want to open
  4. Select your RRSP Savings Account to fund the RRSP GIC from, fill in the rest of the fields and select Continue
  5. Review the details and select Confirm

Ready to go?

Sign in through this button to go directly to the Open an Account page.

Sign in

FAQs

When opening a GIC, we will ask you which account you want to fund the GIC from. If you are opening an RRSP or TFSA GIC, you need to fund it from an existing TFSA or RRSP account in your membership. Likewise, if you are opening a regular GIC, it cannot be funded from a TFSA or RRSP account.

If you are opening a TFSA or RRSP GIC and don’t have any funds in your existing TFSA or RRSP, simply perform a transfer into the account first. Remember to be aware of your contribution limits when making TFSA and RRSP deposits.

Once an account or GIC is open, you will be able to view it in your Account Overview.

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Invest in a First Home Savings Account (FHSA) GIC

How to do it

If you are already have an FHSA:

  1. Sign in to digital banking
  2. From the menu, select Products & Services, then Open an Account
    • Your GIC will be funded from your FHSA High-Interest Savings Account. If you don’t already have the funds available in that account, perform a transfer first.
  3. Under Save or Invest in Your FHSA, select See accounts
  4. Select Open Account for the FHSA GIC type you want to open
  5. Select your FHSA Savings Account to fund the FHSA GIC from, fill in the rest of the fields and select Continue
  6. Review the details and select Confirm

If you don’t have an FHSA yet:
To open an FHSA GIC, first you need an FHSA Savings Account. Once that’s opened, you’ll transfer the funds for your GIC to the savings account, then fund your GIC from that account.

1. Open an FHSA Savings Account:
  1. Sign in to digital banking
  2. From the menu, select Products & Services then Open an Account
  3. Under Save or Invest in Your FHSA, select See accounts
  4. Select the Open account button
  5. Answer the home ownership question to declare your eligibility
  6. Verify your contact information is correct, select your beneficiary type and fill in the rest of the fields
  7. Select Continue
  8. Review your details and select Confirm
2. Transfer money to the FHSA High-Interest Savings Account:
  1. Sign in to digital banking
  2. From the menu, select Transfers then Transfer Funds
  3. Select the account to transfer money from
  4. Select your FHSA High-Interest Savings Account as the account to transfer to
  5. Specify the amount and select Continue
3. Open an FHSA GIC:
  1. Sign in to digital banking
  2. From the menu, select Products & Services then Open an Account
  3. Under Save or Invest in Your FHSA, select See accounts
  4. Select Open Account for the FHSA GIC type you want to open
  5. Select your FHSA Savings Account to fund the FHSA GIC from, fill in the rest of the fields and select Continue
  6. Review the details and select Confirm

Ready to go?

Sign in through this button to go directly to the Open an Account page.

Sign in

FAQs

When opening a GIC, we will ask you which account you want to fund the GIC from. If you are opening an RRSP or TFSA GIC, you need to fund it from an existing TFSA or RRSP account in your membership. Likewise, if you are opening a regular GIC, it cannot be funded from a TFSA or RRSP account.

If you are opening a TFSA or RRSP GIC and don’t have any funds in your existing TFSA or RRSP, simply perform a transfer into the account first. Remember to be aware of your contribution limits when making TFSA and RRSP deposits.

Once an account or GIC is open, you will be able to view it in your Account Overview.

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Upgrade your  chequing account

How to do it

  1. Sign in to digital banking
  2. From the menu, select Account Overview, then Upgrade Account
  3. Select the eligible account you'd like to upgrade
  4. Choose the new account type
  5. Fill in the fields and select Continue
  6. Review the details and select Confirm

Some accounts are not eligible to change in digital banking. Please contact us and we'll be happy to help.

Ready to go?

Sign in through this button to go directly to the Upgrade Account page.

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FAQs

No, your account number will remain the same so there is no need to change any of your payment or deposit details.

Your account number will not change so your cheques will not be impacted.

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Rename your accounts

How to do it

If you would like to dedicate an account for a specific purpose like home payments, vacation savings and so on, you can give it a custom name.

  1. Sign in to digital banking
  2. From the menu, select Personalize, then Customize Account
  3. Select the pencil icon next to the account you want to rename
  4. Enter a new name for the account and select the green check icon

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