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There are several benefits about banking with credit unions:
- You always talk to a real person over the phone as call center will be in the province, not like banks, call center maybe in a nowhere land
- Your credit union ATM card can use with any credit union ATM machine across Canada without extra charge, please check with your credit union for details. This ATM network is much larger than any banks in Canada
- Deposit is 100% guarantee in Manitoba no matter what happens with the credit union. Banks are only protected up to $100,000. If something happened to the bank, you may not get anything back.
- Credit union usually has a higher deposit interest rate
- Credit union is more lenient with their policy as they are more community services than the bank (different situations may affect different results)
I understand we would like to speak with people in our own language. Unfortunately, we are in Winnipeg, and there are a lot of situations that required English speaking. Just do your research and ask questions.
Sorry for the English as I am not very good with simplified Chinese. I can speak Cantonese and some Mandarin.
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