Effective January 2021 - Periodically, we will update the Direct Services Agreement (DSA) which applies to online, telephone and mobile banking. When this occurs, we will provide notice through a variety of mediums which may include your printed or estatement, personal online banking message, or through our website. 

If you have any questions, please contact us at 604.740.2662.
Outside of office hours, call 1.877.801.9069.

Click here to view your current Direct Services Agreement:

• MemberDirect® Online Service Agreement – Personal (Updated Jan 2021)
• MemberDirect® Online Service – Business (Updated Jan 2021)

From time to time as new products, services and regulations are introduced, we update the terms and conditions of your Account Agreement.

These standard forms are issued by Central 1 Credit Union for the use of all BC Credit Unions. As such, some products and services referenced in these agreements are not offered by Sunshine Coast Financial at this time. An example of this is Personal Financial Management (PFM).

Current versions of our account agreements can be reviewed by clicking the links below; copies are also available at your branch.

MEMBER CARD^® debit card Agreement

• Debit Card / Personal Identification Number / Mobile Payment Service Agreement

Personal Member Agreements

• Account Agreement – Personal Contract (Member and Account) (July 1, 2017 onward)
• Account Agreement – Personal Membership (prior to July 1, 2017)
• Account Agreement – Personal Trust

Business Member Agreements

• Account Agreement – Business Membership – Sole Proprietorship, Partnership, Corporation
• Account Agreement – Business Membership – Unincorporated Association
• Account Agreement – Business Membership – Joint Venture
• Account Agreement – Business Trust

All content of this site is the property of Sunshine Coast Financial unless otherwise noted. Any downloading of text or graphics for purposes other than personal use is prohibited unless first authorized in writing by Sunshine Coast Financial.

All features and rates quoted throughout this site are subject to change without notice and market fluctuations. The information supplied within this site is for our members' use only and does not constitute an offer or contract. It is advised to contact the branch nearest you for all final details including up to the minute features and rate information.

Although we strive for accuracy, timeliness and completeness, rates and information quoted are not guaranteed and are subject to change at any time. In using the Sunshine Coast Financial Website you acknowledge that:

• the information which may be provided on the Sunshine Coast Financial Website is for informational purposes only and is not intended to provide specific financial, tax, accounting or legal advice;
• while Sunshine Coast Financial believes the information contained on the Website to be correct and attempts to keep the information current, Sunshine Coast Financial does not warrant the accuracy or completeness of any such information and expressly disclaims any liability for errors or omissions in this information;
• any links to other websites are provided for convenience only and no endorsement of any third party products or services is expressed or implied by any information referred to or linked from or to the Sunshine Coast Financial Website;
• Sunshine Coast Financial does not represent or warrant that the services provided through the Sunshine Coast Financial Website will be uninterrupted or error free, that defects will be corrected or that the Website or the server that makes it available are free of viruses or other harmful components;
• Sunshine Coast Financial recommends that our Website visitors install, update and use an anti-virus program whenever the Sunshine Coast Financial Website is accessed. Sunshine Coast Financial also recommends that the Website visitor establish a data backup and recovery process to protect data from any loss or damage; and in no event will Sunshine Coast Financial or any of its affiliates be liable to the Website visitor or any third party for any loss or damage of any sort (including destruction or loss of data, software or hardware) whether arising in contract, tort or otherwise, caused by or arising in connection with the use of this website.

• Statement of Commitment: Code of Conduct for the Credit and Debit Card Industry in Canada
• Sunshine Coast Financial - Market Code of Conduct Policy May 2026
• Sunshine Coast Financial has adopted a number of voluntary codes of conduct and public commitments designed to protect our members’ interests.

^®ACCEL is a registered trademark owned by Fiserv Inc., licensed for use in Canada by FICANEX Services Limited Partnership.

^®ACCULINK and ACCULINK Hand & Card Design are registered trade-marks owned by Canadian Credit Union Association, used under license.

^®CIRRUS is a registered trademark of Mastercard® International used under license.

The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMV Co. LLC.

^™DEPOSIT ANYWHERE is a trademark of Central 1 Credit Union. Sunshine Coast Financial is a licensed user.

^®DING FREE & Design are registered trade-marks of Central1 Credit Union, used, used under license.

^®HANDS & GLOBE Design is a registered trademark owned by the World Council of Credit Unions and is used under license.

^®Interac, Interac Flash, Interac e-Transfer and the Interac logo are trade-marks of Interac Inc. Used under license.

^®MEMBERDIRECT and ®MEMBERLINK are registered trademarks owned by Canadian Credit Union Association and are used under license.

^®MEMBER CARD and MEMBER CARD & Design are registered certification marks owned by Canadian Credit Union Association, used under license.

^®THE EXCHANGE is a registered trade-mark of Fiserv Inc., licensed for use in Canada by FICANEX Services Limited Partnership.

^®VirtualWealth is a trade name of Credential Qtrade Securities Inc. VirtualWealth is powered by Aviso Wealth, a national financial services company that oversees more than $55 billion in assets under administration and management. Aviso includes Qtrade Investor, Canada’s top-ranked online brokerage, and NEI Investments, Canada’s leading manager of Responsible Investments. Aviso is owned by the provincial credit union Centrals, CUMIS and Desjardins

The Collabria Visa Card is issued by Collabria Financial Services Inc., pursuant to a license from Visa. Visa is a trademark of Visa Int. and is used under license.

iPhone, iPod touch, and iPad are trademarks of Apple Inc. registered in the United States and other countries. Apple Inc. is not a sponsor or participant of Mobile Banking for Sunshine Coast Financial.

Android^™ and Google Play are trademarks of Google Inc. Google Inc. is not a sponsor or participant of Mobile Banking for Sunshine Coast Financial.

Online brokerage services are offered through Qtrade Investor, a division of Credential Qtrade Securities Inc., Member of the Canadian Investor Protection Fund.

In-branch mutual funds are offered through Qtrade Asset Management Inc.

Mutual funds, other securities and securities related financial planning services are offered through Qtrade Advisor, a division of Credential Qtrade Securities Inc., Member of the Canadian Investor Protection Fund. Financial planning services are available only from Qtrade Advisor investment advisors who hold financial planning accreditation from applicable regulatory authorities. Insurance products are offered through SunCu Financial Services. Find out more about your Advisor: visit IIROC AdvisorReport.

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, mutual fund securities and cash balances are not insured nor guaranteed, their values change frequently and past performance may not be repeated.

• Access to Basic Banking Statement
  
• Prohibited Conduct
• Resolving Your Complaint
  

Sunshine Coast Financial is now part of the Coast Capital Savings Federal Credit Union family of brands. As a result, deposits held with the combined federal credit union, Coast Capital Savings Federal Credit Union, will be insured by the Canada Deposit Insurance Corporation (CDIC), a federal crown corporation. Member deposits at Prospera and Sunshine Coast prior to the merger changed coverage from the Credit Union Deposit Insurance Corporation of B.C. (CUDIC) to CDIC as of the effective date of the merger on May 1, 2026.

For a limited transition period, CDIC will provide the same coverage that the CUDIC previously provided on most pre-existing deposits previously held with Prospera and Sunshine Coast that remain on deposit with the combined federal credit union. This transition period starts on May 1, 2026. It lasts 180 days for chequing and savings accounts, and until the maturity date or cash‑out date for term deposits like GICs. Once the transition period ends, CDIC’s standard deposit insurance rules will apply for all deposits with the combined federal credit union, with protection of up to $100,000 per depositor, per insurance category.

Contact us to speak with one of our advisors about the insurance coverage available to you.

Read more about the changes in deposit insurance and the transition period, what deposits are covered and what are not, and for a copy of the Statement of Transitional Deposit Insurance Coverage.