What's New

Deadline extended for cheque compliance
The Canadian Payments Association (CPA) has extended the deadline to modify personal and business cheques. Businesses now have until September 2, 2008 to ensure cheques meet the new standards and requirements. Most personal cheques already meet the new standards. If your cheques have the boxed dates (see above) you are compliant. Visit CPA website for more details.

RRSP contribution age changed to 71
Recent legislative changes means you can now contribute to your RRSP up to the age of 71. For members aged 69 -71, please contact your branch to discuss your options and for more details.

CHIP debit and credit cards under development
Credit unions are moving to a new generation of direct payment and credit card technology known as chip or smartcard technology. These cards will contain an embedded computer chip, which puts the power of a computer onto a card, providing an additional layer of security for cardholders. In addition, chip technology will also provide a platform for future opportunities, new product and service offerings.

The migration to chip card technology represents an evolution of credit card and electronic payments designed to make an already safe payments system even more secure.

Magnetic stripe transactions will no longer be accepted at Automated Banking Machines after December 31, 2012 and will no longer be accepted at point-of-sale after December 31, 2015.Chip cards will continue to carry the magnetic stripe, not only to facilitate the chip transition period, but also to allow cardholders to use their debit cards in other countries that do not use chip technology.

To learn more about CHIP cards and for further details visit Interac or MasterCard

More chequing! More choice! 
Our new bundled accounts give you more options, more transactions and more flexibility to better meet your needs. Here are a few highlights:

• Pay-As-You-Go - no monthly fee
• Personal Chequing - now with 10 eligible transactions
• Package Chequing - 60 eligible transactions..no MMB
• Premium Chequing - for high volume accounts
• Golden and now Diamond member accounts
• Plus get up to 4 Exchange ATMs per month free
• More bundled small-business accounts!
• ChoiceRewards is now free on all accounts
  
  *Click here for our Product and Service Fee Pricing Guide. Any questions? Please call or visit your branch. *requires you to have a CUETS MasterCard credit card with ChoiceRewards option.

MemberDirect now mobile!
Now with a browser enabled mobile phone or PDA you can login and acceess you account. Simply go to www.comsavings.com and you will be automatically redirected to the mobile friendly site.

• enhanced account activity and summary
• pay all your bills with just one click
• choose from up to 250 vendors online
• future date your bill payments and transfers
• setup recurring transfers or bill payments
• view and print your cheque images online,
• download statements into Quicken-Money-Books-XLS
• make stop payments online transfer funds to a joint member.

New Telephone Banking
One of the many member benefits of our new banking system is the ability to upgrade our telephone banking service. We call it "MemberConnect"...a full featured and robust telephone banking system where you can now...

• setup your own bill vendors online
• future date your bill payments and transfer
• setup recurring transfers or bill payments
• make stop payments online
• transfer funds to a joint member
• easier to use
• safe secure!
  
  Best of all, your pass code and the telephone number remains the same. Just follow the prompts! Call 604-582-5494 or toll free in North America, 1-866-582-5494.

Trade online with Qtrade
Qtrade Investor offers a full range of investments, market-leading research, email alerts, online stock trades and CIPF coverage. Electronically transfer funds to and from your CSCU chequing account. For more information, to apply online or to login...click here.

Get your credit score here
Apply for a loan with confidence knowing what your credit rating is. To get your current credit history and score click on the Equifax banner above for more details.

27 Financial Calculators
From evaluating RESPs and retirement needs to calculating car and mortgage payments, our Life Events Planner calculators will help you take control of your finances. *Java-enabled browser and Macromedia Flash Player required.

About our Privacy Act Compliance
Did you know? All financial institutions are required to comply with the new Privacy Act. Click here to learn what this means to you and to see our new account agreement.

PHISHING ALERT!
A rapidly growing form of Internet fraud is a practice known as "PHISHING" (email) or "VISHING" (phone calls). This fraud can lead to financial loss and identity theft.
 
How does it work? Online thieves send out e-mails or using automated dialers to randomly call out. They appear to originate from legitimate companies. The e-mail or voice messages direct victims to visit fraudulent look-alike websites or to call a number using a number of bogus excuses and claims such as "our servers were down" or "banking system was compromised" etc. The victim is asked to enter personal and financial information either by clicking on a link in an email or by calling another number. Because the PHISH sites or VISH calls (voice) calls look and sound entirely legitimate and the request appears to be coming from a trusted financial institution or credit card company, victims enter their credit card numbers, Social Insurance Numbers (SINs), bank account information and address, phone number and e-mail details. Any information entered into the PHISH site or VISH phone number is captured by a crook that will steal the victim’s identity to acquire new credit cards, redirect mail and open bank accounts in the victim’s name.

Teach yourself, your friends and family "PHISH" sense;

1. Be suspicious of any e-mail or phone calls with urgent requests for personal financial information. A reputable financial institution like Community Savings or credit card company will not request personal or financial information over the phone or by email. If you receive this type of e-mail or phone call, simply ignore it (do not respond!) and notify us 604-654-2000, 1-888-963 2000 or 250-385-8431.
2. Don't use web page links in an e-mail if you suspect the message, e-mail or website might not be authentic.
3. Avoid filling out forms in e-mail messages that ask for personal financial information.
4. Always ensure you're using a secure website when submitting credit card or other sensitive information through your browser.
5. Check your bank, credit and debit card statements to ensure all transactions are legitimate.
6. Purchase software that helps detect phishing attempts like Spy Sweeper or use the most current internet browsers like Internet Explorer 7.0.

5-7-10 YR Car Loans now available
Amortizing your new car loan over 7 or 10 years greatly reduces your monthly payments. Plus we will finance up to 100% of the value*. Drop by any of our branches. Some restrictions, conditions and qualifications apply. Rates subject to change.

Collect Reward Points with MemberCard!
Use your MemberCard debit card and your MasterCard card to collect Choice Rewards points for merchandise and all kinds of travel! Apply today for your card!