Legal & Security

Foam Lake Savings and Credit Union Limited is committed to keeping the personal information of our members confidential, secure and private. We work hard to ensure the best possible protection for you, your identity and your money.

Take a moment to learn more about our policies, and about any precautionary steps you can take to help protect your accounts.


The following list of permissions and activities are required by our mobile app to operate. These include: 

• “Access Camera” permission is used by the app to deposit a cheque via mobile deposit capture, store a custom profile picture and background.
• “Access Location” permission is used by the app to accurately locate the nearest ATM or branch in the “Find Us” feature.
• “Call Permission” is used to automatically call the user’s preferred branch by tapping on the phone number in the “Find Us” feature.
• “Contact List” permission is used to set up new Interac e-Transfer® contacts and send an Interac e-Transfer®. Only the device contact information a user confirms is readable by Interac.
• “Internal Storage” permission is required to view, share and download PDF files from the mobile app to a user’s device.
• “App Activities” uses mobile app interaction data for analytics on usage and crash information for the current app version. We also monitor application stability using the crash logs to make ongoing improvements. Data collected on app activities, information and performance is completely anonymous and aggregated – individual users are not identifiable.                    
Secure Digital Banking

Our digital banking platform is designed to make accessing and managing your finances convenient, intuitive and secure. 

An excellent site with more tips to protect home computers and mobile devices is

We also advise you take additional precautions while browsing online and practice good cyber hygiene like strong passwords, safe browsing and regularly monitoring your accounts.

Let’s work together to protect your account and keep your money safe.

Our Security Protections             

Our digital banking system has industry-leading security capabilities, including robust fraud prevention, cyber security features and high-risk transaction protections to ensure that your transactions are secure while data is transmitted between your device and our banking server.


  • We use 256-bit TLS encryption on our desktop website and mobile app, enabling you to easily and securely complete banking transactions on your phone, tablet or computer.

Controlled account access

  • You have control over your account access – only you know your sign-in credentials, user name and password. Our employees do not have this information, nor do they require it from you.

Password protections

  • There is a maximum number of attempts to input the password for your account. If it exceeds the number, your online access will be disabled, and you must contact a member representative to assist you.

Protect yourself

  • Do not provide account or personal details in an email, as it’s not secure. Our credit union will never ask for this information through a communication.
  • Do not follow links from e-mails to your financial institution’s website. Type in the address and look for https in the address.
  • Scammers will try scare-tactics – saying your account has been closed or there’s an issue to get you to take immediate action. Call your credit union to independently verify these types of messages.

Use strong, unique passwords

  • Ensure your banking login password is unique – avoid re-using passwords from other sites and services you use.
  • Choose a password that is memorable for you, but not easy to guess, and avoid using personal information like phone numbers, birth dates, your pet’s name, etc.
  • Never share your password with anyone – including employees at this credit union. They will never ask you for your credentials.

Monitor your accounts

  • Review your statements regularly and set up transaction alerts for your account to help you identify any irregular activities.
  • Our alert messages will never contain any personal information about you or your account and will never ask you to click or download anything.
  • Be aware of cyber crime
  • Cyber-criminals seek vulnerabilities in human behaviours to steal credentials. They are using social engineering tactics to trick people into providing sensitive information or visiting a malicious website. Below are some of their tactics:
  • Financial phishing and smishing scams: A cyber-criminal poses as your financial institution sending you emails (known as phishing) or text messages (known as smishing) in an attempt to get you to provide your login credentials.

Protect your computer

  • Threat protection software secures your information and privacy on your computer. Installing this software will mitigate virus threats, ransomware, provides firewall protection and protect you from harmful sites and data.
  • Browse safely
  • Make sure you are using the most current version of your online browser, and it shows https:// as part of the web address in the browser bar, as this verifies the security certificate of the website is authentic.
  • Sign out of your online banking session
  • Don’t access your account using public Wi-FI or a public computer
  • Use our alerts options and one-time password features
  • Manage your operating systems
  • Keep your operating system up to date to protect against malware and viruses and download the latest security patch when it becomes available.

Protect your device

  • Keep your operating system updated and install anti-virus software
  • Ensure your device has password protection
  • Download apps exclusively from Google Play, Apple Store, etc., not from a link
  • Install anti-virus software for your smartphone if available and update it frequently
  • Install an app that enables you to track the location of your device. These often enable you to remove locate or factory reset a device if lost or stolen
  • Keep your smartphone's operating system updated
  • Don’t remove the manufacturer’s restrictions on the device (aka jailbreaking)


Privacy Policy of Foam Lake Savings and Credit Union Limited is committed to protecting the personal information of credit union members, employees and other individuals.  In order to protect all personal information collected, used or disclosed by Foam Lake Credit Union, we have adopted the Credit Union Code for the Protection of Personal Information.  Please see this document for more information Privacy Brochure

On our website, we only collect personal information required to improve the services we offer, to improve our site content and, with your permission, to contact you with information about our services.  We will not share any personal information obtained on this website with any other organization without your express knowledge and consent. 

Privacy Statement: You can visit all public areas of our site without providing any personal information about yourself.  Our website collects only non-personal information based on a visitor's Internet Protocol (IP) address (this is not personally identifiable).  Information collected includes the date and time of visit, the type of Internet browser used to access the site, the referring address (the link a visitor uses to access the site).  This data is used to create statistics on site usage and improve online services.  Foam Lake Credit Union's internal Web site is solely for the use of authorized members of boards, committees, management and staff of the Credit Union.  Access requires a special "User Name" and "Password."  Personal information that is collected on this internal website is used solely for security and site management purposes and to facilitate business functions of Foam Lake Credit Union.  Will a cookie be set on my computer when I visit this site?  To help us manage our website, we set a cookie on your computer that expires when you close your web browser.  If you send us an e-mail, any information provided by you will only be used for the purposes of responding to your inquiry or acting on your request.  We will not use your name or e-mail address for any other purposes without additional consent.

Links to other websites: Our website contains links to other websites that are part of, affiliated with, or have a business relationship with the Foam Lake Credit Union.  When you leave our site to visit one of these other sites, the only information transferred to the new site is the fact that you came from the Foam Lake Credit Union website (the referring address).  Transmission of this referring address allows other sites to monitor their own web traffic, but does not disclose any personal information about you.

At Foam Lake Savings and Credit Union Limited we take our member complaints very seriously and are committed to making every effort to resolve your concern.  We want to handle your complaint in the most efficient and professional manner possible. Please Contact Us with any concerns. 

For additional information, see Market Code - Complaint Handling

Market Code: The credit union and its employees have always been committed to delivering a high quality of service to members and customers. The Market Code that follows builds on this commitment. This Market Code identifies the market practice standards and how the credit union subscribes to the standards. Please see this document for more information: Market Code.

Statement of Commitment: Foam Lake Credit Union is committed to the Canadian Code of Practice for Consumer Debit Card Services and the Code of Conduct for the Credit and Debit Card Industry in Canada. These codes are designed to protect credit union members’ interests related to the issuance and acceptance of payment cards, and to the operation of payment card networks.

For more information, please see:

Canadian Code of Practice for Consumer Debit Card Services

Code of Conduct for the Credit and Debit Card Industry in Canada

Deposits held in Saskatchewan credit unions are fully guaranteed by Credit Union Deposit Guarantee Corporation. For more information, see CUDGC.
These Terms of Use (“Terms”) govern your use of any eligible Credit Union debit card (“Card”) when you add or keep your Card in a mobile wallet (“Wallet”) for use on any eligible device (“Device”) that supports the use of the Wallet.  Please read these Terms carefully.  If you add or activate your Card for use in a Wallet, it means that you accept and agree to these Terms. In these Terms, "you" and "your" means each Credit Union member who has been issued a Credit Union Card.  "We", "us", and "our" mean Credit Union.  For full Terms & Conditions, see Mobile Wallet Terms of Use.

These agreements outline the terms and conditions of operating accounts at Foam Lake Savings and Credit Union Limited.  

Guard against account fraud! Foam Lake Credit Union Alerts will let you know when important changes have been made to your information in Internet Banking. These alerts add additional protection to allow you to identify and report potential fraudulent activity as soon as it happens.
Follow these steps to setup alerts.

  1. Login to digital banking on desktop/tablet or the app.
  2. Click on the lines in the top corner of the page and then click on 'Alerts'.
  3. Click 'Security' or 'Account'.
  4. Select the notification types.
  5. Toggle on/off the type of desired notifications (text message, email, push notifications).
  6. Click 'Save'.
You can choose to receive alerts using all, a combination of, or one notification type (text, email, and/or push notification). However, there are 3 mandatory security alerts that are received by email and cannot be turned off.

Account alerts are unique to each account – different alerts can be set up on different accounts. Only one balance frequency notification can be selected (daily, weekly or monthly) per account.

Foam Lake Credit Union will never send you an unsolicited email or message asking for any confidential information – this includes information such as your PIN, password or card numbers. If you do receive an email of this nature, please contact us.

If you think you have been a victim of fraud or have any unknown transactions on your account, please let us know.

Identity Compromise

Following is a list of actions that can be taken if you suspect that your personal information has been compromised: 

Member Action

  • Report an Identity Compromise (SIN and DOB) Contact Human Resources Development Canada to report a compromised Social Insurance Number: 1-800-206-7218.
  • Contact all financial institutions and assign a unique password to all accounts to prevent future account takeovers.  Review account statements to validate recent activity.   
  • Contact Canada Post to inquire if any requests to redirect mail have been submitted in your name, or to report any irregularities in your mail delivery (e.g. opened envelopes, missing statements): 1-800-267-1177 or
  • Contact credit reporting agencies to have a security memo placed on your personal credit report to prevent fraud applications from being approved in your name.  Review your credit report to ensure recent credit inquiries and trades are valid:- Equifax Fraud Victim Assistance: 1-800-465-7166 - Trans Union Fraud Victim Assistance Department: 1-800-663-9980 
  • Report the incident to local law enforcement, obtain the incident# and officer's name and phone number for future reference.
  • Report incidents resulting in fraud losses online to Canadian Anti-Fraud Centre or call 1-888-495-8501.

Member Prevention

  • Do not respond to email, letters or phone solicitations offering deals that sound too good to be true.
  • Do not respond to email, letter, or phone requests for personal information such as your SIN, date of birth, PIN, or account information.

This website has been designed and developed with the intent to be accessible to the widest possible audience. We are committed to removing barriers to accessibility, ensuring that our information is available to all our members and users and everyone has the equal opportunity to access our products and services.

As part of this commitment to enable all users to navigate and interact with our website content, we follow best practices for user accessibility, including the use of Alt text for images, the content size can be enlarged and navigated by keyboard or other assistive technologies.

Contact us

We welcome your comments on the accessibility of our site and any suggested improvements. Please also contact us if we can assist with providing documentation in an alternate format or if you are experiencing difficulties with the accessibility of our website.

Web browser and accessibility

For the best experience with this website, we recommend you keep your browser up-to-date, as new browsers have enhanced accessibility options and integration with assistive technologies. Visit the Browser Requirements section of this site for more information.

Central 1 Credit Union

®DING FREE & Design are registered trade-marks of Central 1 Credit Union, used under license.  Deposit Anywhere™ is a trademark of Central 1 Credit Union and used under license.

Canadian Credit Union Association

®STRICTLY BUSINESS and MAXIMIZER are registered trade-marks, MEMBER CARD and MEMBER CARD & Design are registered certification marks owned by Canadian Credit Union Association, used under license.

Mobile Banking

iPhone®, iPod Touch®, iPad® and iTunes® are trade-marks of Apple Inc. registered in the United States and other countries.  Android is a trademark of Google Inc. Google Play is a trademark of Google Inc.  The Trademark BlackBerry® is owned by Research In Motion Limited and is registered in the United States and may be pending or registered in other countries.

Interac Association

®INTERAC logo, INTERAC, INTERAC Flash, INTERAC e-Transfer, INTERAC Debit are registered trade-marks owned by Interac Inc., used under license.

World Council of Credit Unions

®HANDS & GLOBE Design is a registered certification mark owned by the World Council of Credit Unions, used under license.


®Collabria trademark is Collabria Financial Services' property®.  The Collabria Mastercard is issued by Collabria Financial Services Inc. pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.


Lock'N'Block® is a registered trademark of Everlink Payment Services Inc.

This agreement outlines the conditions to operate a digital account at Foam Lake Savings and Credit Union Limited. 

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