Turbo Tax

Roblin Credit Union offers our members TurboTax solutions!  Just click on the Turbo Tax Free 24/7 advice:

This trusted software offers:

• step-by step guidance and free support when you need it
• 100% accuracy guaranteed and easy to use

• maximizes deductions
• easy and secure online access
• trusted – Canada’s #1 best-selling tax software
• free netfile for the fastest refund possible

Donation to Inglis School

Shellie Wasilka, Manager of the Inglis Branch- Roblin Credit Union Ltd., presents a donation of $1500 to the Inglis School for their new gymnasium floor.

Planning Your Retirement

Invest in your future by planning your retirement.  Just click on the link below and you will find in our eBook when to start saving, what your pension plan options are and much more!

Planning Your Retirement eBook

Facts about Mortgages

Are you shopping for a new home?  Get the facts on making the right choices.  Just click on our eBook link below.

Facts about Mortgages eBook

Make it Count- Youth Money Management Guide for Parents

For more information on how to help your child with managing money, click on the heading: Make it count- Youth Money Management Guide for Parents.

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

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.

Roblin Credit Union Agrinvest 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.

Tax Free Savings Account

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

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.

Chip Cards

Reminder:  Your old MemberCard is expiring.

• Members should have received their new Chip card in the mail.  Your old MemberCard will expire within 30 days of receiving it, so members are asked to activate their new card, as soon as possible.
• 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. 

"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.