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General Banking

Looking for more information?

Visit our contact page and submit your question through the "Who can help me?" link or call one of our financial experts at any of our three branches.
What does OMISTA consider to be acceptable identification to open an account?
How do I close an account with OMISTA?
How do I activate a dormant, inactive, account with OMISTA?
Where are my service charges for my OMISTA accounts recorded?
Am I able to have holds on my funds partially or fully waived?
How can I make my account joint?
How do I change my contact information with OMISTA?
What is the standard pricing for OMISTA's chequing accounts?
Where can I find a digital Pre-Authorized Payment Form?
Who do I contact if my personal information is stolen/lost?

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1. What does OMISTA consider to be acceptable identification to open an account?

Valid Canadian driver's license (photo ID)
Passport
Major Credit Card
Health Card
Canada-issued immigration documents
Native status certificates

2. How do I close an account with OMISTA?

To have your OMISTA account closed or to receive cash, a money order or a bank draft for the balance in your account, please visit the branch of your account, between 10:00 am and 5:00 pm Monday to Friday, and one of our financial experts can assist you with this request.

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3. How do I activate a dormant, inactive, account with OMISTA?

Your account becomes dormant after 6 months when no activity has been recorded (does not include interest or service charges) on your non-interest bearing account and 12 months on your interest bearing account.

To re-activate your dormant account, you can:

Make a withdrawal at any ATM
Make a deposit, withdrawal, transfer or bill payment at any OMISTA or Credit Union branch.

4. Where are my service charges for my OMISTA accounts recorded?

All OMISTA Credit Union account service charges are recorded in your passbook or on your statement at each month end.

5. Am I able to have holds on my funds partially or fully waived?

No, all OMISTA accounts place holds on your funds to ensure the financial security of OMISTA owners.

Holds may be placed on the following types of cheque deposits*:

Cheques drawn on financial institutions in the Atlantic Provinces – minimum hold for 7 business days
Cheques drawn on financial institutions in the rest of Canada – minimum hold for 14 business days
Cheques drawn on financial institutions in the USA – minimum hold for 30 business days
Cheques drawn on financial institutions other than in Canada or USA are to be taken on a collection basis only

The length of time you have dealt with the branch, the amount of funds in your account, and the amount and characteristics of the cheque being deposited may all influence if the funds will be held.

*Please note that some cheques may be sent on collection, meaning that the funds will be credited to your account once the cheque has cleared the other financial institution and OMISTA has received the funds.

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6. How can I make my account joint?

To make your account joint, please visit the branch of your account and one of our financial experts will be able to assist you with this request. Please take note that both parties must be present at the branch to make the account in question joint. Also, the secondary account holder must bring two pieces of identification with them to successfully fulfill the request.

7. How do I change my contact information with OMISTA?

It is important that whenever you experience a change of address or phone number that you contact one of our financial experts to reflect that change in our system. This is important to update in case of an emergency with your account or at our end of year when the patronage rebate cheques are mailed out. To make an update to you contact information please contact any of our financial services representatives by phone or in branch.

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8. What is the standard pricing for OMISTA's chequing accounts?

This account is the perfect choice for owners who don't have many monthly transactions or may be undecided what package to choose. Fees incurred are based on the actual cost for a particular transaction. At the end of every month fees for the services used are combined as one service charge.

Click here to view the standard pricing.

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9. Where can I find a digital Pre-Authorized Payment Form?

Click here for a printable version of a Pre-Authorized Payment Form.

Transit Number - 07013
Financial Institution Number - 839

To view the PDF file you must have Adobe Acrobat installed. Adobe Acrobat Reader enables users view certain forms and pages that are saved in PDF file format for easy distribution over the Internet.

Download Now - PC Version
Download Now - Mac Version

Please note OMISTA Credit Union is not responsible for any difficulties in downloading and installing the software.

10. Who do I contact if my personal information is stolen/lost?

Identity theft is one of the fastest growing crimes in North America. It happens when someone steals your personal information - your social insurance number, driver's license number, health card number, credit card number, debit card, or your PIN number. Below are some important steps you should follow incase any of your personal information is ever stolen/lost.

Call your Credit Union immediately, call 1-800-LOST111 (1-800-567-8111), if you suspect you have been a victim of identity theft or if there is unusual activity in any of your accounts. This service is available seven days a week. We can provide advice on what to do with your credit cards accounts, financial accounts and investments with your Credit Union.

To report a lost or stolen credit card, call 1-800-LOST-111 (1-800-567-8111), or if outside North America call collect at 1-306-566-1276.

To report a lost or stolen debit card? call 1-800-LOST-111 (1-800-567-8111), or call (306) 566-1276 collect

Call the police and file a report. Ask for a copy of the police report.

Change your PIN immediately.

Contact each credit grantor who has allowed a fraudulent account and tell them you did not open that account. Have them close these accounts.

Call the Credit Bureaus to check for recent activity and to inform:
Equifax Canada at http://www.equifax.ca 1-800-465-7166
Trans Union of Canada at http://www.tuc.ca or 1-800-663-9980
Experience at 1-888-826-1718

Contact Canada Post if someone is diverting your mail. Document all the contacts you make along with dates, names and phone numbers.

Don't fall for a prize-winning scam. A call says you won a big lottery prize but you must send money before you can collect it. It's a fraud and you'll lose your money! Hang up and call PhoneBusters, The Canadian Anti-Fraud Centre at 1-888-495-8501, www.phonebusters.com.

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