Legal and Copyright
Legal
Public Service Credit Union provides its web site and services to you subject to the following terms and conditions of use, which may be updated by us from time to time without notice to you. Each time you use this Web site you indicate your acknowledgment and acceptance of the terms and conditions below. If you do not accept these terms and conditions, you should not use this Web site.
- Terms and Conditions / Direct Services Agreement
- Copyright Information
- Trademark Information
- Warranties and Limitation of Liability
- Information
- Privacy and Security
- Links to Third Party Sites
- Use of Cookies
- Statement of Commitment: Code of Conduct for the Credit and Debit Card Industry in Canada
- The Market Code of Conduct for Credit Unions
- Complaint Resolution Procedure
- Cheque Holds and Access to Funds
The information, artwork, text, video, audio, and pictures contained our website, and the website design, content and arrangement are protected by copyright laws. You may download information from our website for your personal, non-commercial viewing, but you may not otherwise copy, reproduce, republish, post, transmit, distribute or modify anything from our website without our prior written approval.
PUBLIC SERVICE CREDIT UNION, PSCU, the Public Service Credit Union logo, MEMBERDIRECT and all other trade-marks and trade names of PSCU appearing on this web site are owned by (or licensed to) PSCU and may not be used in connection with any product or service that is not PSCU's, in any manner that is likely to cause confusion, or in any manner that disparages or discredits PSCU.
® ACCULINK, MEMBERCARD, MEMBERDIRECT, ICU, FAT CAT and CUETS are registered trade-marks owned by Canadian Credit Union Association, used under license.
† Trade-mark of Interac Inc. Used under license.
® HANDS & GLOBE Design is a registered certification mark owned by the World Council of Credit Unions, used under license.
Warranties and Limitation of Liability
This website, and the information and documents provided on it, are provided “as is” without any warranties of any kind, express or implied, as to the operation of this website, our services, or the information, content, materials, services, or products included or referenced on this website. Public Service Credit Union uses reasonable efforts to include accurate and up-to-date information on this Web site; it does not, however, make any representations as to its accuracy or completeness. Your use of this Web site is at your own risk. Public Service Credit Union, its suppliers, and the other parties involved in creating and delivering this Web site's contents are not liable for any direct, indirect, special or consequential damages arising from use of this site, including any damages you may suffer as a result of your personal information being transmitted between you and Public Service Credit Union.
TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, Public Service Credit Union DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
All information provided on this website is believed to be accurate and reliable when it was posted on this site. However, we cannot guarantee that all information is accurate, complete or current at all times. The material on our website is for informational purposes only; it is not intended to be financial or legal advice. Please contact one of our customer service representatives at pscuadmin@pscu.ca for more information before you act on any materials or information you see on our website. The information on this website does not constitute an offer or solicitation by anyone in any jurisdiction in which an offer or solicitation cannot legally be made, or to any person to whom it is unlawful to make such a solicitation. The products and services offered by Public Service Credit Union are subject to various terms and conditions. For more information, call TeleService at 1-800-563-3300 or email us at pscuadmin@pscu.ca.
For more information, please visit our Privacy and Security section.
Public Service Credit Union Web site may contain images of and links to third party Web sites ("Linked Sites"). The Linked Sites are not under the control of Public Service Credit Union and Public Service Credit Union is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Public Service Credit Union is not responsible for webcasting or any other form of transmission received from any Linked Site nor is Public Service Credit Union responsible if the Linked Site is not working appropriately. Public Service Credit Union is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Public Service Credit Union of the site or any association with its operators. You are responsible for viewing and abiding by the privacy statements and terms of use posted at the Linked Sites.
Any dealings that you have with third parties (including advertisers) using any Linked Sites, including the delivery of and the payment for goods and services, and any other terms, conditions, warranties or representations associated with such dealings are solely between you and the third party. Public Service Credit Union shall not be responsible or liable in any way for any part of such dealings.
If you wish to provide a link to our website from your website, please contact pscuadmin@pscu.ca.
Occasionally, in order to provide better service, a "cookie" will be used. A cookie is a small piece of information which a web site stores on your web browser on your computer and can later retrieve. The cookie cannot be read by a Web site other than the one that set the cookie. We use cookies for a number of administrative purposes. They let us store information that you have already told us, so we don't have to ask you again. They also allow us to measure what parts of our site customers prefer to see, and what parts are less popular. Most cookies last only through a single session, or visit. None will contain information that will enable anyone to contact you via telephone, mail, or e-mail. You can set up your web browser to inform you when cookies are set or to prevent cookies from being set.
Statement of Commitment: Code of Conduct for the Credit and Debit Card Industry in Canada
Public Service Credit Union is stating our re-commitment to the Code of Conduct for the Credit and Debit Card Industry in Canada. The Code was designed to protect credit union members’ interests related to the issuance and acceptance of payment cards, and to the operation of payment card networks.
The Market Code of Conduct for Credit Unions
The code recognizes the best practice principles we are pledged to follow for soliciting, promoting, advertising, marketing, selling, or distributing our products or services. The Code demonstrates our commitment to the fair treatment of all those who use our services. We believe in fair sales practices, comprehensive access to banking services, transparency and openness, and a reasonable approach to settling complaints. Individuals are entitled to the best possible care of their financial interests. We respect all our provincial regulatory obligations, and continually practice absolute excellence in consumer protection. Our best practices can be summarized in five key principles.
- Business Practices: We are committed to providing fair treatment to all the members and consumers using our products and services. It is a core component of our governance and corporate culture.
- Fair Treatment and Fair Sales: Treating members and consumers fairly and demonstrating fair sales practices at all times are integral parts of our business practices.
- Access to Banking Services: We ensure that all credit union members and consumers are granted access to certain fundamental financial services.
- Transparency and Disclosure: The credit union uses plain-language descriptions of products and services to ensure people make informed decisions.
- Complaint Handling: We examine all complaints and work to settle them fairly, and we track complaints to help ensure our practices continue to improve.
Complaint Resolution Procedure
We take complaints very seriously at PSCU and view them as the best method to resolve problems. If you have a complaint, we encourage you to let us know and to give us the opportunity to resolve your concerns. We promise to address your complaint quickly and professionally, while maintain your confidence and trust in PSCU.
Before submitting a complaint, please gather the following information:
- Your account number
- Date(s) of the occurrence(s)
- Details of the occurrence(s)
- Any supporting documentation and/or statements (if applicable)
- Details of your preferred method of contact
The steps for submitting a complaint is as follows:
- Step 1:
Contact your branch either by phone, email, letter mail, fax, or in person. The contact details for your branch can be found on our website. PSCU branch employees are empowered to solve almost any problem that you may encounter.
- Step 2:
If your complaint has not been resolved via step 1 within 2 business days, you may choose to escalate your complaint to the Manager of Credit & Operations or Manager of Finance.
- Step 3:
If your complaint is still not resolved through steps one and two, you can escalate your situation to PSCU’s CEO. This can be done by using the following methods:
Email: complaint@pscu.ca Phone: 1-800-563-6755 Mail: 403 Empire Ave.
St. John’s, NL
A1E 1W6
Attn: CEOWhen escalating your complaint to this level, please ensure you include the dates, individuals involved, and resolutions offered through both steps 1 and 2. If you have not followed the process identified in steps 1 and 2, you will be directed to first address your concern with the branch.
- Step 4: If necessary, PSCU’s management may bring a complaint forward to its Board of Directors for review.
Cheque Holds and Access to Fund
In an effort to protect PSCU’s members and PSCU’s assets, when depositing a cheque into your account a hold may be placed on your funds. For the duration of the hold, you will be unable to access that portion of your funds.
The hold period varies depending on the type of cheque being deposited as well as the amount of the cheque. Upon request access to $100 of the deposit may be provided to you for your immediate use*. This feature applies once the cheque has been reviewed.
Cheques may be held for the following maximum number of business days:
| Item | Maximum Business Days Held |
|---|---|
| Cheques drawn on a Canadian financial institution | 10 |
| Foreign cheques | 30 |
The Maximum Business Days Held begins once the cheque has been reviewed and the hold placed on the cheque(s). Cheques deposited via an ATM or Deposit Anywhere may be held additional days.
Some cheques may require further confirmation, if so, the funds will be made available in your account upon confirmation that the funds to cover the deposited cheque have been received.
*Only available to members holding a $100 member share. If approved, this feature will not be available again until such time has passed allowing the initial cheque to be processed and cleared.
