Affinity Credit Union: Online Banking & Membership
At-a-Glance
- Availability: Saskatchewan, with digital reach across Canada
- Platforms: Web, iOS, Android
- Languages: English (some bilingual services regionally)
- Membership: Required; purchase a share ($5–$25)
- 2FA: Not publicly documented
- Daily e-Transfer Limit: Not published by provider
- Features: Chequing, savings, mortgages, loans, credit cards, bill pay, e-Transfers, mobile deposit
Why Choose Credit Union Membership?
Credit unions are member-owned cooperatives that prioritize community over profit. When you join, you become both a customer and an owner.
Member Ownership
You become both a customer and owner with voting rights
Profit Sharing
Surplus earnings returned through dividends and better rates
Community Investment
Profits reinvested in local programs and initiatives
Deposit Protection
Full coverage by provincial guarantee corporations
Digital Banking Features
- 24/7 account access via desktop and mobile
- Bill payments with scheduling and auto-pay
- Mobile cheque deposit using smartphone camera
- Interac e-Transfer: send, receive, Autodeposit and Request Money
- CRA direct deposit (tax refunds, benefits)
- Budgeting tools: transaction categorization and spending alerts
- E-Statements: secure digital history and reduced paper clutter
How It Works
- Become a Member: Purchase a small membership share (often $5–$25) and open an account at a branch or online. This gives you voting rights at annual meetings.
- Register for Online Banking: Use your member number to enrol at Affinitycu.ca or in the mobile app. Create a username and password, and set your security questions.
- Verify Contact Information: Confirm your email and mobile number to receive alerts and send Interac e‑Transfers.
- Explore Digital Services: Pay bills, transfer money, set up recurring payments, and deposit cheques with the mobile app. Affinity also offers budgeting tools and spending insights via online banking.
Fees & Limits (Summary)
| Service | Amount | How to Verify |
|---|---|---|
| Monthly chequing fees | Varies by package | Affinity fee schedule |
| Interac e-Transfer fee | Not published | Contact Affinity directly |
| Daily e-Transfer limit | Not published | Check account agreement |
| ATM withdrawal limit | Not published | See account disclosure |
Security & Fraud Protection
Affinity uses encryption, real-time monitoring and alerts to protect members. While 2FA details aren't public, members are encouraged to:
- Enable SMS/email alerts for logins and large transactions
- Use strong, unique passwords or passphrases
- Activate Autodeposit to reduce e-Transfer fraud risk
- Immediately report suspicious activity via the fraud hotline
Community Impact
Affinity Credit Union invests a portion of its profits back into the communities it serves, creating lasting positive change where members live and work.
Local Investment
Supporting community businesses and infrastructure
Education & Youth
Scholarships, financial literacy programs, and youth sports
Sustainability
Green initiatives and environmental responsibility
Economic Development
Job creation and local economic growth
Specific Community Programs
- Youth sports sponsorships and equipment grants
- Educational scholarships for post-secondary students
- Green loan programs for energy-efficient home upgrades
- Partnerships with Indigenous communities
- Employee volunteer time for local charities
- Financial literacy workshops for all ages
Support & Hours
For questions or account assistance, call the Member Contact Centre at 1‑866‑863‑6237. Support hours are typically Monday to Saturday; check the official website for details.
Frequently Asked Questions
Do I need to live in Saskatchewan to join?
Mostly, yes—though some products are available nationwide.
Is my money safe?
100% of deposits are guaranteed by Saskatchewan's Credit Union Deposit Guarantee Corporation.
Do I earn dividends?
Patronage refunds may be paid when financial performance allows.
Is mobile deposit secure?
Yes, cheque images are encrypted and not stored on your device.
Can I link external accounts?
Yes, through the transfer options in online banking.
How do I switch from a bank?
Affinity provides account switching kits to help transfer direct deposits and bill payments.