As winter roads begin to open up, we are here to help you make the most of the season with our winter road loans. Contact us to book your appointment and apply for special promo rates.
https://www.mediancu.mb.ca/contact-us
**Travel safely! If you're making travel plans, always make sure your vehicle is properly prepared for the road. Clear all snow and ice from your windows, headlights, taillights, and hood. Don't forget to clear the roof too, unsettled snow can fall onto your windshield while driving, obstructing your view. Always stay safe and visible on the road.
Winter Road Loan Promotion (Posted January 10, 2025)
Stay Alert: Impersonation Scams (Posted November 26, 2024)
A recent rise in impersonation scams involve fraudsters posing as bank or credit union employees over the phone in attempt to trick their victims into disclosing their banking or personal information. They may claim your account is compromised, a payment has been missed, or anything else to pressure you into taking immediate action.
Some phone number may even appear the same one provided by your financial institution, but remember, numbers can always be spoofed to look legitimate.
How to avoid falling victim to one of these scams
Be aware: Don't trust any unsolicited calls and verify the source of anyone who claims to be calling from your bank or credit union. If you receive a call from someone who says they're from your bank or credit union, take down heir name and hang up. Using a different phone line, call them using an established and verified number, such as the number on their official website.
Don't assume: Though your call display might say the call is coming from your bank or credit union, don’t assume the caller is legitimate. Scammers often use call spoofing technology so that your call display shows the name of a company or financial institution to make you believe their request is authentic.
Protect your personal information: To verify your identity, your bank or credit union will ask basic questions to ensure they are speaking to the correct person. However, they will never ask you to disclose your passwords or your PIN number on the phone. If you feel uncomfortable with the call or feel like you are being asked questions that feel too personal, hang up.
Some phone number may even appear the same one provided by your financial institution, but remember, numbers can always be spoofed to look legitimate.
How to avoid falling victim to one of these scams
Be aware: Don't trust any unsolicited calls and verify the source of anyone who claims to be calling from your bank or credit union. If you receive a call from someone who says they're from your bank or credit union, take down heir name and hang up. Using a different phone line, call them using an established and verified number, such as the number on their official website.
Don't assume: Though your call display might say the call is coming from your bank or credit union, don’t assume the caller is legitimate. Scammers often use call spoofing technology so that your call display shows the name of a company or financial institution to make you believe their request is authentic.
Protect your personal information: To verify your identity, your bank or credit union will ask basic questions to ensure they are speaking to the correct person. However, they will never ask you to disclose your passwords or your PIN number on the phone. If you feel uncomfortable with the call or feel like you are being asked questions that feel too personal, hang up.
Change in Service Fee Deductions Method (Posted November 6, 2024)
You may have noticed a slight change in how some service fees are being deducted from your account. Rest assured, that the overall dollar amount remains unchanged, the difference is simply on WHEN the deductions occur. This change also applies only to packages that offer free outgoing Interac e-Transfers and non-credit union ATM withdrawals (e.g., Buffalo, Moose, Eagle packages, etc.).
For these specific packages, the service fees for e-Transfers and non-CU ATM withdrawals would work as follows:
Under the OLD method: Charges were applied as transactions occurred, with a refund issued at the end of the month for any free amounts.
Under the NEW method: Charges will be totaled and applied as a lump sum at the end of the month, subtracting the designated free amounts.
This change allows our Members to better recognize the total amount they pay in service charges every month, enhancing the transparency and understanding of their expenses. Members can now make more informed decisions about their transaction activity and better manage their finances.
For example, let’s say John is on the Buffalo package, which includes 2 free e-Transfers and 2 free non-CU ATM withdrawals each month. In October, John completed 5 e-Transfers and 3 non-CU ATM withdrawals:
Under the OLD method: John would incur charges of $1.00 for each e-Transfer (totaling $5.00) and $1.50 for each non-CU ATM withdrawal (totaling $4.50) as they happened. At the end of the month, he would pay his monthly package fee ($11.99) and receive refunds for the 2 free e-Transfers (-$2.00) and 2 free non-CU ATM withdrawals (-$3.00) as part of the account package. His total monthly service charges would come to $16.49.
Under the NEW method: John wouldn’t be charged any fees for the e-Transfers or non-CU ATM withdrawals as they occurred. At the end of the month, however, he would be charged a lump sum which includes his monthly package fee ($11.99) plus the total fees for the e-Transfers ($3.00) and non-CU ATM withdrawals ($1.50) that exceeded his 2 free transactions as part of the account package. His total monthly service charges would also be $16.49.
If you have any questions or concerns, please do not hesitate to contact us. It may also be worth connecting with us to learn about other account package options that you may have, as well as our Member-to-Member feature which could be a cost-effective alternative to e-Transfers if you are regularly sending funds to other MCU Members.
Member Referral Program (Posted September 25, 2023, last updated December 4, 2023)
Since 1978 we have provided financial services for our community.
Help us continue this tradition with our Member Referral Program.
How It Works: Eligible Members will automatically receive one (1) $25.00 bonus for each new referral to Me-Dian Credit Union who has a successful consultation with a Me-Dian Credit Union employee about our products.
Eligibility: The program is open to all active members, in good standing, with Me-Dian Credit Union as of the date of the referral and that maintain such status until the bonus is awarded.
REFERRAL PROGRAM TERMS AND CONDITIONS
1. GENERAL
The Referral Program ("Program") begins September 1st, 2023. The intent is to generate new membership from the referrals by current members of the credit union, who are happy with the products and services they receive and who wish to support the credit union. We will offer the referring member a $25 Referral Bonus deposited directly into their Me-Dian Credit Union account.
2. ELIGIBILITY
The Contest is open to all active members, in good standing, with Me-Dian Credit Union as of the date of the referral and that maintain such status until the gift card is awarded.
3. HOW TO ENTER
Eligible Members will automatically receive one (1) $25.00 bonus for each new referral to Me-Dian Credit Union who has a successful consultation with a Me-Dian Credit Union employee about our products.
4. HOW TO WIN
Once the referred person or business has successfully consultation with a Me-Dian Staff, Me-Dian will provide the $25.00 Referral Bonus into the referrer's Me-Dian Credit Union deposit account.
5. PRIZE CLAIM CONDITIONS
The referring member will be notified by e-mail, according to Me-Dian Credit Union's records, within 30 days of the successful consultation. The referring member will receive an email or mailed letter about the deposit of the Me-Dian Referral Bonus.
6. REFERRAL BONUS
A qualified referring member will receive a $25.00 Referral Bonus into their Me-Dian Credit Union deposit account.
7. RIGHT TO VOID / TERMINATE / SUSPEND / MODIFY
Sponsor reserves the right to terminate, suspend or modify this Referral Program, in whole or in part, at any time and without notice or obligation if, in Sponsor's sole discretion, any factor interferes with its proper conduct as contemplated by these Official Contest Rules. Without limiting the generality of the foregoing, if the Contest, or any part thereof, is not capable of running as planned for any reason, including but not limited to infection by computer virus, bugs, tampering, unauthorized intervention, fraud, programming errors, or technical failures, which, in the sole discretion of credit union, corrupt or affect the administration, security, fairness, integrity or proper conduct of this Program, credit union may, in their sole discretion, void any suspect entries and: (a) terminate the Program, or any portion thereof; (b) modify or suspend the Program, or any portion thereof, to address the impairment and then resume the Program, or relevant portion, in a manner that best conforms to the spirit of these Official Contest Rules.
8. GENERAL CONDITIONS
Winning a prize is contingent on fulfilling all the requirements set forth herein. Decisions of the credit union and/or any independent contest judging organization will be final and binding on all matters pertaining to this Referral Program. The credit union reserves the right to correct any typographical, printing, computer programming or operator errors. The credit union's failure to enforce any term of these Official Terms and Conditions shall not constitute a waiver of that provision. The invalidity or unenforceability of any provision of these Terms and Conditions shall not affect the validity or enforceability of any other provision. If any provision of the Terms and Conditions is determined to be invalid or otherwise unenforceable, then the Official Terms and Conditions shall be construed in accordance with their terms as if the invalid or unenforceable provision was not contained therein. Sponsor reserves the right at its sole discretion to disqualify any entrant who tampers or attempts to tamper with the entry process, the operation of the Referral Program, violates the Official Terms and Conditions, or acts with intent to annoy, abuse, threaten or harass any other person.
WARNING: ANY ATTEMPT BY AN ENTRANT OR ANY OTHER INDIVIDUAL TO DELIBERATELY DAMAGE ANY WEBSITE ASSOCIATED WITH THIS REFERRAL PROGRAM OR UNDERMINE THE LEGITIMATE OPERATION OF THE PROGRAM IS A VIOLATION OF CRIMINAL AND CIVIL LAWS, AND SPONSOR RESERVES THE RIGHT TO PROSECUTE AND SEEK DAMAGES TO THE FULLEST EXTENT PERMITTED BY LAW.
9. LIMITATIONS OF LIABILITY AND RELEASES
BY PARTICIPATING IN THIS CONTEST, ENTRANTS AGREE THAT THE CONTEST GROUP HAS NO LIABILITY WHATSOEVER FOR, AND SHALL BE HELD HARMLESS BY ENTRANTS AGAINST, ANY LIABILITY FOR ANY INJURIES, LOSSES OR DAMAGES OF ANY KIND (INCLUDING DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES) TO PERSONS OR PROPERTY RESULTING FROM A PRIZE, INCLUDING THE ACCEPTANCE, POSSESSION, MISUSE OR USE OF THE PRIZE, OR THE MERCHANDISE FOR WHICH IT IS REDEEMED. FURTHER BY PARTICIPATING IN THIS CONTEST, ENTRANTS AGREE THAT CREDIT UNION HAS NO LIABILITY WHATSOEVER FOR, AND SHALL BE HELD HARMLESS BY ENTRANTS AGAINST, ANY LIABILITY FOR ANY INJURIES, LOSSES OR DAMAGES OF ANY KIND (INCLUDING DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES) TO PERSONS OR PROPERTY RESULTING FROM: A) ENTRY OR PARTICIPATION IN THIS CONTEST, INCLUDING ACCESS TO AND USE OF THE CONTEST WEBSITE, OR B) ANY CLAIMS BASED ON PERSONALITY OR PRIVACY RIGHTS, DEFAMATION OR MERCHANDISE DELIVERY. Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages; therefore, such exclusions may not apply to you.
Without limiting the foregoing, the Referral Program shall not be responsible for: (a) any incomplete or inaccurate information that is caused by Referral Program website users, or by any of the equipment or programming associated with or utilized in the Referral Program, or by any technical or human error which may occur in the processing of submissions in the Contest; (b) lost, interrupted, or unavailable network, server, service provider, on-line systems, telephone networks or telephone lines, or any other connections; (c) the theft, destruction, loss or unauthorized access to, or alteration of, entries; (d) any problems with, or malfunctions or failures of, telephone networks or lines, computers or computer on-line systems, servers or providers, computer equipment, software, viruses or bugs; (e) garbled transmissions or miscommunications; (f) failure of any e-mail to be received by or from the Program judging organization or Sponsor for any reason, including but not limited to traffic congestion on the Internet or at any website or combination thereof or technical incompatibility; (g) damage to a user's computer equipment (software or hardware) occasioned by participation or downloading of materials related to this Referral Program; (h) printing, distribution, programming or production errors, and any other errors or malfunctions of any kind, whether human, mechanical, electronic or otherwise; or (i) technical, pictorial, typographical or editorial errors or omissions contained herein.
Archived
Software Conversion & Service Interruption (Posted August 7, 2024, last updated September 15, 2024)
In mid September, Me-Dian Credit Union will start our conversion to a new, advanced banking system software, which will allow us to operate more efficiently and provide new and improved services. This will require closing our branches and interrupting a number of services from Friday, September 13 until Tuesday, September 17. Updates will be provided on this webpage throughout the conversion so please check back often.
UPDATE (September 14, 2024): We are ahead of schedule and happy to report that Debit Card services are back online! ATM transactions and point of sale purchases are now available to all card holders.
UPDATE (September 15, 2024): Good News! Online banking and Mobile App banking are now online ahead of schedule as well. For those of you that use online banking and mobile app banking: On your first login, please use the full website to accept the online agreement and reset your password using your enrolled 2SV device; this cannot be done through the mobile app. For step-by-step instructions on reseting your password as well as other to-do activities, please refer to this guide.
2-Step Verification (Posted November 22, 2023, last updated November 29, 2023)
To further protect our Members and as a step towards providing more advanced features, we will be introducing 2-Step Verification for online banking and mobile app banking very soon.
The launch date Tuesday, December 5, 2023, but you can start preparing for enrollment now.
1. For security purposes, saved/memorized accounts will not be carried over. You will be asked to manually enter your login ID and personal access code during your first login after the launch date, so keep this information accessible.
2. For users of our mobile app, it is always suggested to have the latest version installed for optimum user experience and the best protection for your data.
3. Need some help updating your app or remembering your login information? Feel free to contact us.
FREQUENTLY ASKED QUESTIONS
Q: Why is 2-Step Verification (2SV) necessary?
A: With cyber-threats becoming increasingly sophisticated, the use of passwords alone have grown vulnerable to these threats. 2SV provides a stronger, and more secure, authentication method to further protect you, your data, and your funds from cyber attacks.
Q: How does 2-Step Verification work?
A: During the login process, a verification code is generated and delivered to your registered mobile phone number or email address. You will then have to retrieve the code and enter it before access is granted to your online banking account. These codes are valid only for a single use and a limited time.
Q: What changes to my online banking experience can I expect?
A: For security purposes, once 2SV is made available in the platform, memorized or saved logins will not carry over. You will have to enter your Login ID and PAC manually in order to access online banking. From there you will be able to memorize or save your login information again. Touch ID/Biometrics and Quickview settings will also not carry over, but once you log in you can re-enable those features.
Q: Is 2SV registration mandatory for all Members?
A: We will provide a grace period where Members can choose to continue to access online banking without first registering for 2SV. After the grace period, all Members must be registered for 2SV before accessing online banking.
Q: How do I register for 2SV?
A: Once the feature is launched, you will automatically be taken to an enrollment page after logging into your online banking. From there, you can select to register either a phone number or email address that you can use to receive and retrieve notifications and verification codes.
Q: Can I register for 2SV under multiple notification channels?
A: Yes, although during enrollment you can register only one, either a mobile phone number or email address, to receive the initial notification, you can add the other notification channel under your Profile & Settings page once logged into online banking.
Q: Can I register more than one mobile phone number or email address?
A: Registration is limited to a single mobile phone number and a single email registration.
Q: If I have a mobile phone number and email address registered, will a verification code be sent to both?
A: No. If you have both notification channels registered, you are presented with a selection page where you must choose which channel will receive the notification for that particular login.
Q: How many attempts do I get to validate a verification code?
A: During the 2SV process of a login attempt, the maximum attempts to validate a verification code is three. If you are unable to validate the verification code after three attempts, the system will automatically lock you out.
Q: What happens if I have exhausted my maximum number of attempts to validate a verification code, and I am locked out?
A: If you are locked out because you were unable to validate a verification code during the 2SV process of a login attempt, please contact us to unlock your account.
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