E-Statement Agreement

Access your statements and images by printing the agreement (click on link below) and bring in to the Roblin or Inglis branch or fax to 204-937-2417.

E-Statement Agreement

Roblin Credit Union AgriInvest Deposit Account

AgriInvest is a federal-provincial-territorial program that helps you, the farmer manage small income declines, and provides support investments to mitigate risks or improve market income.  Each year, producers can make a deposit into an AgriInvest account, and receive a matching contribution from federal and provincial governments.

Producers have the flexibility to withdraw funds at any time to cover small margin declines or for risk mitigation and other investments.

Features:

• No Minimum Balance Required - Premium rate calculated on full deposit
• Daily Interest Paid Monthly - Competitive rate, calculates interest daily and pays monthly.  Canada Revenue Agency will issue an earned interest income tax receipt every year.
• Simple Withdrawals - Self managed account that allows flexibility to withdraw funds when you need it.
• No Account Maintenance or Transaction Fees
• 100% Guaranteed by the Credit Union Deposit Guarantee Corporation

How to Open your Roblin Credit Union AgriInvest Account

To open this account, complete and sign the Account Initiation Form you will receive in July 2010. Roblin Credit Union will notify Agriculture and Agri-Food Canada (AAFC) that you opened an account, and any existing AgriInvest funds will be transferred to your new account.

To learn more about the AgriInvest, visit the program website at www.agr.gc.ca/agriinvest or call AAFC toll free at 1-866-367-8506.

The Real Manitoba Photo Contest

For complete details and for an entry form, please visit either the Roblin or Inglis branch.

Graduate Accounts

Are you furthering your education this fall by attending a Post-Secondary Education Program?

At the Roblin Credit Union we realize that attending school can cause enough stress without the addition of financial burdens.  We want to help you eliminate those burdens.

With a graduate account comes:

• FREE Interac Direct payments
• FREE Credit Union ATM usage
• FREE 12 personalized cheques
• FREE cheque transactions

We also offer Credit Union Student MasterCards, first car loan offer of 1% less the consumer rate and Student loans with interest rates as low as prime and interest only payments until you complete your full-time studies.  All are on approved credit.

**To qualify, you must be between the ages of 17 and 25 inclusive and enrolled in a recognized post-secondary education program.  A minimum of 60% in full-time studies is required.  Proof of enrollment must be provided annually.**

Tax Free Savings Account

A Tax-Free Savings Account can be opened by any Canadian Resident who:

Although deposits are not tax-deductible, any interest earned on your TFSA is not taxable.

After 2009, the $5,000 maximum contribution limit may be increased

depending on the rate of inflation; rounded to the nearest $500, e.g. if the rate of inflation in 2009 is 5.1%, in 2010, the maximum would increase to $5,500 ($5,000 x 5.1% = $255; nearest $500 is $5,500).  Therefore the limit will increase some years, but not every year.

• Contributions are not tax deductible.
• Any unused contribution room will be carried forward indefinitely.
• Withdrawals made during one year, will increase your contribution room for the following years.
• You do not need to earn any income to obtain TFSA contribution room, but you must file a tax return in order for the Canada Revenue Agency to provide your contribution room information.

For more information, please visit us in either branch.

10 Years of Service

At the 69th Annual Meeting Darlene Jackson was presented with her 10 years of service award.  Thank-you Darlene for your hard work and dedication over the past ten years!!  Darlene is the Credit Administration Officer in our Inglis branch.

GM Dale Scott presenting Darlene with her 10 year award

at the 69th Annual Meeting.

Chip Cards

Reliable.  Secure.  Easy.  Chip cards are coming and making a safe payment system even safer.

A chip card is a credit or debit card containing an embedded computer chip, which gives the card the ability to store and process data.

Chip cards and chip terminals work together to ensure a highly secure transaction by validating the card and the cardholder. 

For more information on chip cards please click on the chip.

Your Choice ~ Your Rewards

Can there ever be too many rewards? We don't think so. That is why the Choice Rewards program is packed with more reward choices than ever before.

Redeeming your points towards travel, brand name merchandise, gift certificates and charity donations is easier and more convenient than ever before with the all-new online rewards catalogue and travel booking tool.

Choice Rewards and Platinum Class rewards members can visit www.choicerewards.ca to find current offerings and redeem points on-line. 

Bill Payments

Life is busy. To make paying your bills as easy as possible, Roblin Credit Union offers 3 different ways of paying your bills:

In Person:

Come into either the Roblin or Inglis branch and pay your bills. There is a fee of $1.00 for using this method (the fee is waived for golden account holders)

Telephone Banking:

You can pay your bills anytime, anyday, and anywhere if you use telephone banking (you don't even have to leave your house!).  You must come to either branch to sign up for this service.  Payments made with telephone banking takes approximately 2 days to process.  There is a fee of $0.50 for using this method (the fee is waived for golden account holders).

On-line with MemberDirect:

Pay your bills on our secure internet banking site MemberDirect and have the freedom to pay your bills from home or the office at any time, day or night. You must come to either branch to sign up for this service.  There is a fee of $0.30 for using this method (the fee is waived for golden account holders).

Please allow 3 - 5 business days for your bill payment to be processed.  Fees will be incurred for member requested refunds or member requested traces. 

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.

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.

"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.