Tax Free Savings Presentation

Not sure if a Tax Free Savings account is right for you?  Roblin Credit Union Ltd. is pleased to provide to you a presentation that you watch at your own pace in easy to understand language.  The presentation is narrated, so make sure your volume is up.  To move ahead in the presentation, click the forward button.  Click here for the presentation to begin. 

Statement Reconciliation Form

Click here to view the Statement Reconciliation Form (PDF).

If you are unable to open the PDF form, please click on the link below to download the Acrobat Reader for free.

Statements

You may have noticed a "Statement Mail-Out" fee processed through your account.  This fee which is at a minimum of $1.00 was put into effect on January 1, 2009 and is charged to those accounts that do not have their statements picked up in a three month period.

To save on mail-out fees you can request to only receive your statements quarterly, semi-annually or annually.  If you use internet or telephone banking, the option is available to not have a statement printed.

Call us today at either Roblin 937-2156 or Inglis 564-2401 or e-mail us at mainbranch@roblincreditunion.mb.ca for more information.

Just a gentle reminder that the cut-off for personal statements is now the 12th of the month and the cut-off date for business, organization and farm statements is still the end of the month.

Registered Education Savings Plan (RESP)

An RESP is a type of savings account that grows tax free until a child is ready for post-secondary education.  Contributions you make may qualify for the 20% Canada Education Savings Grant!

Make an appointment to see our Investment Specialist, Devron Jakeman to discuss your options and/or to open an RESP for your child's education.

RCU Allocates $400,000!

Since 1994 Roblin Credit Union members have received over $5,150,000 in profit shares! A $400,000 dividend was returned to our members for 2008 alone!

7.4% of your patronage refund represents interest paid on eligible loan interest and another 7.4% paid on interest earned through investments, such as term deposits, RRSP's, RRIF's, savings and chequings accounts. This has the effect of increasing the average yield that members received on their deposits by 0.44% and decreasing the average rate paid by borrowers on their loans by 0.45%. The Board of Director's has also declared that all members whom have accumulated more than $2,500 in surplus shares be paid the excess balance down to $2,500.

As always those members over 65 years in age may request their patronage refund in cash.

NOW THAT'S YOUR MONEY WORKING FOR YOU!

Not a member? Call the Roblin or Inglis Branch to become a member today!

We are Taking Action and Making Progress!!

With the implementation of our new banking platform, we have experienced wait times in line-ups that are far from our standards. For those who have been frustrated and inconvenienced by our service, we are truly sorry. Please know that we are working diligently to return to standards you expect from us. 

We have received many comments in various forms which have been constructive and very helpful. We encourage you to continue providing us feedback. 

As we gain more knowledge and comfort with our new banking system, we look forward to rapidly returning to the great service our members have come to know and trust. Thank-you for your continued support and patience.

QuickTax Online

Save 20% on QuickTax Online and Get your Maximum Refund Guaranteed!

QuickTax Online, Canada’s #1 best-selling tax software makes it easy to get back every penny you deserve during tax time.  And as a Roblin Credit Union Ltd. member, you receive special savings on all QuickTax Online products. QuickTax Online offers:
• Special guidance for first time users.  QuickTax Online walks you step-by-step through your entire tax return with guidance designed especially for people new to tax software.
• All the help you need. If you have questions, QuickTax Online makes it easy to get all the answers via phone, email, or our in-product community.*
• Maximum refund guaranteed.  We search your return for 400+ possible deductions – so you always get your maximum refund – guaranteed.**
• Fast refunds. File online with NETFILE for a refund in as few as 8 days.

Try for free - pay only when you file!
Start now!  Click on box.

* For Standard Online Edition, Platinum Online Edition and Business Unincorporated Online Edition, technical support by phone, email and chat is free.  Long distance charges may apply.  Limitations apply.  Intuit reserves the right to limit each telephone contact.  Support availability subject to occasional
downtime for systems and server maintenance, company events, observed Canadian holidays, and events beyond our control. See QuickTax Online.ca/support for current technical support hours and additional details.
** Maximum Refund Guarantee:  If you get a larger refund or smaller tax due from another tax preparation method, we’ll refund the applicable QuickTax Online purchase price paid.  Claims must be submitted within sixty (60) days of your QuickTax Online purchase date and no later than 5/31/2010.  QuickTax Online Free, QuickTax Online Student (Free), and QuickTax Online Business Incorporated products and optional add-on services are excluded including Audit Defence and technical support fees.  This guarantee cannot be combined with the QuickTax Online 100% Satisfaction (Easy) Guarantee.

Please contact Client Support if you have any questions or concerns.
client_support@central1.com
604.742.5252
Toll-free 1.877.762.5252

"Phishing" for your Dollars

Phishing is a reality on the Internet that simply will not go away.  New types of threats are emerging on a regular basis.  Being "net smart" has never been more important.  Phishing is a form of Internet fraud in which e-mail messages are used to lure the unsuspecting to web sites that are replicas of sites used by legitimate businesses.  These web sites are used to trick users into divulging credit card numbers, bank account information, and passwords that will be used to commit fraud.

Phishing attacks normally are initiated through an e-mail.  It will come disguised as a message from your financial institution or a familiar Internet merchant.  Even though the message looks legitimate, it may not be.  Here are some things to look for when trying to tell the real thing from the fake:

Warning Sign #1 - Soliciting Personal Information by E-Mail

Financial institutions and reputable on-line retailers do not send e-mails asking for personal information.  Any e-mail that claims to be from a reputable source but asks for such data is most likely a phishing expedition.

Warning Sign #2 - Badly Written E-mail

Read the message closely.  A professional company such as e-Bay or Amazon will not issue any communication containing basic grammatical and spelling errors.  A high proportion of phishing e-mails contain such fundamental errors.

Warning Sign #3 - Hidden Addresses & Sources

Phishing attacks redirect you somewhere other than where they claim to be going.  Check to see if the web site you reach by clicking on the address in the e-mail is the same as the one shown in the e-mail.  Reputable on-line businesses ensure that all their customer accessible web sites contain the company's name in the address.  If you don't see that, you probably haven't reached the real web site.

Warning Sign #4 - Asking for Personal Data

Receiving an e-mail from your financial institution asking you to go to their web site should set the alarm bells ringing.  That is not normal business practice for any credit union or bank.  Don't click on the web address in the e-mail.  Call your financial institution to confirm if they have sent you a message.

Warning Sign #5 - Threatening Legal Sounding Messages

Consider the source.  Would you expect your favorite on-line retailer to send a threatening notice?  Not likely.  If you receive a threatening e-mail, it probably isn't legitimate.  if you think it may be, call the company instead of responding to the e-mail.

The simplest way to protect yourself from phishers is to avoid clicking on any unexpected link in an e-mail message.  DO NOT reply to e-mails soliciting personal information.  Click here to take the anti-phishing challenge to see if you are ready to avoid the phishers trying to separate you from your money.

Skimming

Credit cards and debit cards have become the most popular payment options for Canadians.  Most people today prefer paying with plastic to handing over cash and cheques.  At the same time, the incidents of debit and credit card fraud are also growing.

Skimming occurs when the information contained on your debit card is stolen and then counterfeited and used to obtain funds from your account without your authorization.  Card reading devices are used to obtain the electronic data from the magnetic stripe on your card, and hidden cameras or false personal identification number (PIN) pads are used to obtain your personal access code.

Some ways you can reduce the risk of becoming a victim of debit and credit card skimming are as follows:

1.  Keep your card in a safe place and never lend it to anyone.

2.  Protect your PIN; it is the key security feature on your debit card.  Use your hand, body or wallet to shield your PIN when using an ATM or POS terminal.

3.  Always memorize your PIN.  Never write it down, and don't use a number that would be easily identified (i.e.:  date of birth, address or phone number).

4.  Changing your PIN regularly will help reduce the risk of card skimming.

5.  Never disclose your PIN.  No one from a financial institution, police service, or business should ever ask for your PIN.

6.  Look for physical alterations on ATM and POS terminals.  If they look suspicious do not use them and inform the financial institution or merchant immediately.

7.  Keep an eye on your debit card when conducting a transaction; only allow your card to be swiped once.  Whenever possible, swipe the card yourself and remember to take your card and the transaction record with you when you leave.

8.  Be alert.  Make sure no one is looking over your shoulder.  If someone is watching you or makes you feel uncomfortable, cancel the transaction and use a different machine.

9.  Always conduct your ATM transactions when and where you feel most secure.  If you feel uncomfortable using a specific machine, use it later or go to another location.

10.  Check your bank account regularly and compare your transaction records against your financial statements.  If you detect any unusual account activity, contact your branch immediately.

11.  If you have trouble using an ATM, DON'T ask the person in line behind you for help.  Go into the credit union or financial institution and ask a teller for help and training on how to use the machine.  Never trust a stranger.