{"id":1183,"date":"2024-04-16T19:08:56","date_gmt":"2024-04-16T19:08:56","guid":{"rendered":"https:\/\/collaborationmb.ca\/?page_id=1183"},"modified":"2025-01-08T18:40:37","modified_gmt":"2025-01-08T18:40:37","slug":"faqs","status":"publish","type":"page","link":"https:\/\/collaborationmb.ca\/eng\/faqs\/","title":{"rendered":"FAQs"},"content":{"rendered":"\n
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Collaboration MB<\/h6>

FAQs<\/h1><\/div><\/div><\/div>\n<\/div><\/div>\n\n\n\n
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What does this mean for you as of January 1, 2025?<\/strong><\/h2><\/div>

It will be business as usual. Your accounts, banking services, and branch access will not change immediately. You can expect the same great service and support from our teams that you always have.\u00a0\u00a0

We are minimizing member impact as much as possible. Behind the scenes, we are working diligently to align systems and processes to ensure a seamless transition and we are committed to providing clear and timely communication, giving you as much notice as possible.\u00a0

If you have additional questions, contact your financial institution<\/strong><\/a>.<\/p><\/div><\/div>\n\n\n

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Will I be able to access my current account at any Assiniboine, Caisse, or Westoba branch?\u00a0<\/h5><\/div>

Not immediately. For now, members should continue to access services at their current branches only. We will provide updates as new access options become available.<\/p><\/div><\/div>

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Will my account number change?\u00a0<\/h5><\/div>

For now, it\u2019s business as usual, your account number will stay the same. If any changes are required in the future, we will communicate with you well in advance.\u00a0<\/p><\/div><\/div>

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If you’re now Assiniboine Credit Union, why are we still seeing Caisse and Westoba logos on things?<\/strong><\/h5><\/div>

Our goal is to minimize member impact as much as possible and we are committed to providing clear and timely communication.\u00a0
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It will take some time integrate our systems and harmonize our products and services. Members will continue to access their banking information from legacy organizations until notified otherwise.\u00a0
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As an interim change you will begin to see the ACU logo along with our logo or you will see “Westoba, a division of Assiniboine Credit Union” or “Caisse, a division of Assiniboine Credit Union”. Signage on branches and our digital platforms will be fully updated to the ACU brand when members can begin banking across the expanded branch network.<\/p><\/div><\/div>

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Will my branch hours change?<\/h5><\/div>

No, changes to your local branch hours are not expected on day one. For now, members should continue to access services at their current branches only.\u00a0<\/p><\/div><\/div>

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Will I be getting a new MemberCard? Collabria credit card?\u00a0<\/h5><\/div>

No, changes to your cards are not expected on day one. We will communicate with you well in advance and will provide detailed instructions when the time comes.<\/p><\/div><\/div>

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Will my current cheques still work?\u00a0<\/h5><\/div>

Yes, your cheques will continue to work as usual. If any changes are required in the future, our team will communicate with you well in advance.<\/p><\/div><\/div>

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Will my direct deposits be impacted?\u00a0<\/h5><\/div>

No, your deposits will continue as usual without any interruptions. If any changes are required in the future, our team will communicate with you well in advance.\u00a0<\/p><\/div><\/div>

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Will I still use my current credit union\/caisse online banking and mobile app?<\/h5><\/div>

Yes, you will continue to use your existing online banking platform and mobile app. You will not be able to access the other credit union\/caisse online banking or apps immediately. Any future updates will be communicated well in advance.\u00a0\u00a0<\/p><\/div><\/div>

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Will I be able to access French services at any Assiniboine, Caisse, or Westoba branch?\u00a0<\/h5><\/div>

French services will continue to be offered in current Caisse Financial Group branches and by other methods that Caisse currently has, such as mobile and online banking, and social media.\u00a0 We look forward to expanding our French services over time.\u00a0<\/p><\/div><\/div>

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What will happen to my member shares?<\/h5><\/div>

The existing member shares, and all classes of share capital of each credit union and caisse, will be converted to shares of equal value, terms, and conditions in the merged organization.<\/p><\/div><\/div>

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Will my Business Account Manager change?\u00a0<\/h5><\/div>

No immediate changes to your Business Account Manager will be made. If any changes are required in the future, our team will communicate with you well in advance.\u00a0<\/p><\/div><\/div>

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How will you communicate with me through the merger?\u00a0<\/h5><\/div>

We are committed to clear and timely communications to our members. We will keep you informed through multiple channels, including email, Assiniboine, Caisse, and Westoba\u00a0 websites and CollaborationMB.ca, social media, and in-branch communications.<\/p><\/div><\/div>

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Can I access the ATM at all branches?<\/h5><\/div>

Our members pay no surcharges at participating credit unions and caisse ATMs across Canada. Find the closest ATM to you by visiting the ding free\u00ae website<\/strong><\/a>.<\/p><\/div><\/div><\/div>\n\n\n

The Why<\/h2><\/div>\n\n\n
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Assiniboine is one of the largest credit unions in Manitoba; I feel like my caisse\/credit union<\/em> is getting swallowed up. Is that what’s happening?<\/h5><\/div>

Not at all. We are all faced with the same technological, regulatory, and competitive challenges and we simply can\u2019t be our very best on our own. All three organizations are deeply committed to employees, supporting communities, and helping our members meet their financial needs and realize their dreams. We\u2019re excited about doing that as one strong, enduring, and unique financial co-operative across Manitoba.<\/p><\/div><\/div>

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How is this merger “uniquely Manitoban”?<\/h5><\/div>

We have confirmed that each partner will contribute uniquely to a merged entity and the collective breadth and depth of those contributions will make us even stronger. Through a merger we will use these collective contributions to build new value for our employees, our members, and our communities. As with other mergers, that value will translate into quality service, convenient solutions, more competitive rates, and fees for members. Unique to this merger, the value will also translate into ongoing commitment to urban, rural, and agricultural communities, French language services, and values-based approach to banking.<\/p><\/div><\/div>

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What unique leadership features may our new credit union include?<\/h5><\/div>

We envision senior leadership in the merged credit union that is focused on each area of core differentiation including Francophone services, rural support, and values-based banking.<\/p><\/div><\/div><\/div>\n\n\n

The Impact<\/h2><\/div>\n\n\n
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Are you trying to be like a big bank?<\/h5><\/div>

Financial co-operatives are a long way from being like a bank. All the things you like about your caisse or credit union<\/em> \u2013 like talking with the person at the counter in French, the branch employees knowing your name, investing in your local projects, supporting your local grants and sponsorships \u2013 will still be the same. We\u2019re still a co-operative at our roots.<\/p><\/div><\/div>

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I like being able to meet with my caisse\/credit union<\/em> business representative to negotiate a loan for my Agriculture\/Commercial business. Am I still going to be able to do that?<\/h5><\/div>

Yes. The things you value at your local caisse\/credit union<\/em> will remain the same. Decisions on loans are made locally with experts that understand your business. In fact, some of our members require multi-million-dollar loans that we have been challenged to or could not meet in the past. But together, a merged entity with $10 billion in assets will be much more capable of meeting your business needs now and into the future.<\/p><\/div><\/div>

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What happens in five years, is it possible Francophone or rural communities wouldn’t be represented on the board?<\/h5><\/div>

We are a co-operative with regular board of director democratic elections where members decide who best represents their interests. The bylaws of the merged organization ensure that in the future at least two French-speaking and two rural Manitobans will always serve on the board. There could be a day where a majority of the board is French-speaking or represents rural Manitoba or both, if that\u2019s how members vote. We know this merger makes our ability to meet members\u2019, employees\u2019 and communities\u2019 current and future needs and wants possible.<\/p><\/div><\/div>

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Will French services still be offered in the new organization?<\/h5><\/div>

We are committed to offering members a range of financial services in French in branches in designated Francophone areas and by other methods, such as mobile and online banking, contact centres and social media into the future. As part of the merger, a French-Language Services Policy has been developed to document the commitment of the combined organization to make financial services in the French language available to members, including the businesses, organizations and institutions that serve Manitoba\u2019s Francophone community. The process to integrate caisse\/credit union<\/em> systems and operations and make offerings available in French will take considerable time and effort. We believe greater size and scale provide the strength we need to address the challenges we experience today and in the future in providing French financial services to Manitoba\u2019s Francophone community.\u00a0\u00a0<\/p><\/div><\/div>

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What’s in it for me as a member?<\/h5><\/div>

Our members have told us they want competitive rates, diverse products and easy to use services and systems that complement the personal service you already enjoy.\u00a0You asked for enhanced services that resemble the experiences you enjoy with Amazon, Apple, Google, and Samsung. These services are expensive for an individual organization to offer to members.\u00a0\u00a0
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Our combined strengths will enable us to quickly offer services like Apple Pay and Google Pay, virtual banking, online account opening, extended call centre hours, live chat, the ability to serve larger commercial and agriculture operations and online banking for business. Individually we have not had the scale we need to bring these products and services to our members.\u00a0 Over time, we will be able to offer members products and services like Visa Debit, higher interest deposit accounts and other enhanced and innovative products and services.\u00a0<\/p><\/div><\/div>

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What’s in it for our communities?<\/h5><\/div>

One of the many things that make us great partners is that we all care deeply about and support our neighbourhoods, our communities, and the people who make Manitoba a better place every day. You are the leaders, volunteers, and employees of non-profits and community organizations. The Royal Manitoba Winter Fair, Festival du Voyageur, and the Winnipeg Folk Festival are just a few of the uniquely Manitoban events we have supported over the years. For you, our combined size, scale and strength means:
\u00a0\u2022 Greater financial capacity to\u202fsupport more community organizations and\u202finvest in more of Manitoba\u2019s diverse and varied communities and events

\u2022 A larger and more diverse network of employees who are excited to make a difference in the communities we serve as active volunteers\u00a0\u00a0

\u2022 Programs and community partnerships throughout the province to provide even more financial empowerment initiatives and educational sessions
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\u2022 Even more capacity and scale to ensure we can continue to bring individuals without access or with limited access to banking into our credit union as members, and support underserved communities in Manitoba\u00a0
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\u2022 More significant purchasing power as we continue to focus on supporting our communities through strengthening local businesses and community economies\u00a0
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\u2022 Specialized expertise in providing financial advice and services including financing for non-profits, agriculture, co-operatives and small businesses in your communities.<\/p><\/div><\/div>

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When exactly will we experience the benefits of the merger?<\/h5><\/div>

For your banking experience, whether it be in-branch, by telephone, mobile, or online, it will take some time to strategically\u00a0integrate operations after January 1st<\/sup>, 2025, to realize member and employees\u2019 benefits.\u00a0 Integrating products, systems, and technology across three organizations will be complex.\u00a0 We are committed to communicating plans and changes well in advance so that everyone knows what\u2019s coming and how to best prepare.\u00a0In the meantime, members and employees will bank and work with the systems and services that are in place at their credit union\/caisse today.\u00a0<\/p><\/div><\/div>

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Will employees lose their jobs?<\/h5><\/div>

Attracting and keeping talented, knowledgeable, caring, hardworking employees is our priority. Our employees are our greatest strength, no one lost employment as a result of the merger, there is a place for everyone.\u202f\u00a0\u00a0
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We are excited for the possibilities that the merged organization will offer employees the opportunity to work in new roles, departments, or locations or to use and learn new skills.\u00a0<\/p><\/div><\/div>

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How will the employees’ benefit?<\/h5><\/div>

This merger created more career opportunities for employees who want to explore new locations or new career paths, learn new skills, and take on new challenges within their roles. Our employees are our greatest strength, and this new merged organization offers a lot of career possibilities. We are creating a uniquely Manitoban organization, and we are excited for all our employees to be a part of it from the beginning.<\/p><\/div><\/div>

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Will you close branches because of this merger?<\/h5><\/div>

Our branch networks complement each other well.\u00a0No branches will be closed as a result of the merger.\u00a0 In fact, together, we\u2019ll be better positioned to continue to serve our collective membership across Manitoba through our rural and urban branches.\u00a0\u00a0\u00a0
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As we all do today, we will continue to assess and evaluate our branch networks to make sure we continue to be easy to do business with and that we are meeting the needs of our members. Commitment to the communities we serve is, and will continue to be, central to our mission and purpose.\u00a0\u00a0<\/p><\/div><\/div>

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Will the local festivals, sports clubs and community organizations and events still receive their sponsorships?<\/h5><\/div>

We are committed to maintaining and growing our community investments throughout Manitoba.\u00a0
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Our contributions and investments in our communities through grants, sponsorships and volunteering are a great source of pride for all of us and will continue in the future.

With our combined size, scale and strength we are better able to support more of our communities\u2019 local festivals, sports clubs, and community organizations and events. One of the important goals of this merger is creating a thriving, strong and sustainable organization, with even more opportunities to support our communities.<\/p><\/div><\/div>

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How was the CEO of the new organization selected?<\/h5><\/div>

Following a thorough selection process, all three boards unanimously recommended current Assiniboine President & CEO Kevin Sitka as President & CEO of the new organization. The process involved an independent consultant who worked to support a committee of the boards of directors. The committee established the desired skills and competencies required for the merged organization\u2019s President & CEO role, and each Board confirmed Kevin\u2019s skill set, expertise and leadership qualities met or exceeded the requirements.

Westoba President & CEO Jim Rediger and Caisse CEO Jo\u00ebl Rondeau will continue in leadership roles to evolve the post-merger credit union.<\/p><\/div><\/div><\/div>\n\n\n

The Process<\/h2><\/div>\n\n\n
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How can I find out more about this collaboration and this process?<\/h5><\/div>

Collaboration means we want to engage with you. Engaging members, employees and our stakeholders throughout this process is very important to us. Here are some ways we can exchange information and ideas:
\u2022 We\u2019ll post regular updates on this website www.CollaborationMB.ca. Please check back for updates.
\u2022 We\u2019ll provide information in all of our branches.
\u2022 You can speak with one of our ACU Member Communication Centre Representatives at 204.958.8588<\/a> or toll free at 1.877.958.8588<\/a> or Caisse Financial Group Member Support Representatives at 204-235-2270<\/a>, or Westoba\u2019s Virtual Service Representatives at 1-877-WESTOBA (1-877-937-8622<\/a>).
\u2022 You can email us directly at CollaborationMB@acu.ca<\/a>; CollaborationMB@caisse.biz<\/a>; CollaborationMB@westoba.com<\/a>.<\/p><\/div><\/div>

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Why are you proposing the name Assiniboine Credit Union\/Caisse Assiniboine?<\/h5><\/div>

We want to assure you our discussions around name were not taken lightly, especially with the long and rich histories attached to Assiniboine Credit Union, Caisse Financial Group and Westoba Credit Union and the deep connections that employees, members, and community partners have to their names. The reasons to operate as Assiniboine Credit Union in predominately English-speaking locations and Caisse Assiniboine in Francophone markets include:

\u2022 Assiniboine is the same in English and French and the Assiniboine name and brand are well-known and respected within our communities. By adopting the name Assiniboine, we aim to extend the values that have guided Assiniboine Credit Union through the years in support of all members, employees, and communities.

\u2022 The Rivi\u00e8re Assiniboine River flows through Manitoba and for centuries has connected and supported the rural and urban communities we are looking to bring together through this merger. By embracing the name \u201cAssiniboine,\u201d we honour the urban and rural foundations on which our credit unions\/caisse were built and our ongoing commitment to serving the specific needs of these communities, ensuring they remain an integral part of our identity and future growth.

\u2022 Just as the Rivi\u00e8re Assiniboine River has changed course numerous times over past centuries, Assiniboine Credit Union \/ Caisse Assiniboine will evolve, innovate, grow, and progress in ways that ensure member, employee and community needs and wants can be met now and in the future.

\u2022 We believe that coming together under the Assiniboine name is important as it demonstrates our commitment to working as one strong credit union to better meet your financial needs, now and into the future.<\/p><\/div><\/div>

\t\t\t\n\t\t\t\t\t\t\t\t<\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t
When is the start date & where is the registered office?<\/h5><\/div>

The merged entity is effective January 1, 2025. The registered office address, for legal purposes, will be 200 Main St., Winnipeg, MB, R3C 1A8.<\/p><\/div><\/div>

\t\t\t\n\t\t\t\t\t\t\t\t<\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t
What will happen to my institution’s product and services?<\/h5><\/div>

The merged organization will initially continue to offer all current Assiniboine, Caisse and Westoba products and services of each and through each legacy credit union\/caisse<\/em>. Within the first 12 months following the merger, harmonization and rationalization of products and services across the organization will start. That work will be finalized when the banking systems are integrated.<\/p><\/div><\/div>

\t\t\t\n\t\t\t\t\t\t\t\t<\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t
What approvals have to happen for the merger to move forward?<\/strong><\/h5><\/div>

Required federal and provincial approvals following the positive membership votes are in process and are expected before our effective date of January 1, 2025.<\/p><\/div><\/div><\/div><\/div><\/div>\n\n\n\n

\n

Contact Us<\/h2>
<\/div><\/div>\n<\/div><\/div>\n\n\n\n
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<\/a><\/path><\/svg><\/span>CollaborationMB@acu.ca<\/span><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n
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<\/a><\/path><\/svg><\/span>CollaborationMB@caisse.biz<\/span><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n
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<\/a><\/path><\/svg><\/span>CollaborationMB@westoba.com<\/span><\/div>\n<\/div><\/div>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"

The Why The Impact The Process Contact 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