• In Person
• BCU Member Card
• BCU Business MasterCard
• BCU Link
• Online trading

For personalized, professional service visit one of our five branches. Whether you are making a deposit, filling out a loan application or developing a financial plan our financial service representatives will assist you in your choice of either the English or Ukrainian language.

ATMs

Your Buduchnist Member Card provides you with 24 hour access to your funds using the worldwide Interac / Plus system. At home, you don't have to worry about rushing to the credit union before it closes, or being caught without cash for the weekend. If you use a Buduchnist machine, all of your withdrawals, deposits and transfers are free of charge. While traveling, the world's largest ATM network lets you use your card in 87 countries and obtain favourable exchange rates.

Direct Payment

Your Member Card is also your Debit Card for Direct Payment Purchases. This gives you the freedom to shop at thousands of stores, or even catch a movie. Why carry large amounts of cash when one card allows you the flexibility to make small and large purchases alike?

Electronic Access

Your Member Card is also your link to banking by telephone or via the internet with BCU Link.

A Buduchnist Credit Union MasterCard offers credit at your fingertips.

To check your Mastercard balance or statement information online, simply click on the Mastercard logo. You'll need to register the first time you use the service.

The Business Mastercard is perfect for small business and business members who want financial convenience and control. The annual fee is $50 with each additional card fee at $10.

Some of the features include:

• Any number of names may appear on the account
• Credit limits may be set for each card on the account
• Statements are mailed directly to each cardholder, as well as the common administrator
• Master RoadAssist program

BCU Link is your connection to banking by telephone or computer.

Telephone Banking

Your telephone can become your link to BCU 24 hours a day, 7 days a week. With this easy to use automated service you can

• Check account balances
• Confirm transactions
• Transfer funds
• Register and pay bills
• Obtain information on products, services, rates and special promotions

For your phone link to BCU, call using a touch tone telephone anywhere in North America toll free 1-877-859-4848 In Toronto it's a local call: 416-763-2828

Internet Banking

Maybe you prefer to use your computer. BCU LINK offers access to your accounts from any personal computer with secure internet access.

• Check account balances
• View and print recent transactions
• Transfer funds between your accounts
• Register and pay bills
• Invest in guaranteed investments
• Access money management tools Quicken or MS Money

Registering is easy!

Visit your branch with your Member Card and a Financial Services Officer will issue your temporary BCU LINK code. At the same time we can also help set up your bill payment accounts to get you started.

Credential Direct* combines the power of on-line trading with the values of your Credit Union.

Trade any time, anywhere while enjoying the benefits of:

• Competitive commission pricing;
• A user-friendly web-site;
• Detailed real time quotes;
• Stock screening and technical analysis tools.

Credential Direct lets you integrate your on-line investing with your Buduchnist savings. It's easy to move money between your chequing account and your investment account with the Electronic Funds Transfer service. With Credential Direct you can also take advantage of low commission rates. Trade up to 1000 shares through Credential Direct for as little as $25.00! This is one of the lowest rates currently available in Canada.

Click here to learn more about Credential Direct and on-line trading.

*Online brokerage is offered through Credential Direct, a division of Credential Securities Inc., operating a separate business unit. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, cash balances, mutual funds and other securities are not insured nor guaranteed, their values change frequently and past performance may not be repeated. Credential Securities Inc. is a Member - CIPF. Credential Direct is a registered mark owned by Credential Financial Inc. and is used under licence. Ethical Funds is a registered mark and owned by Ethical Funds Inc. and is used under licence.