We’re simplifying our youth accounts to make banking easier and better for you! Here’s why this change is happening:

• Easier to Understand & Manage – With fewer account types, it’s simpler to know which account fits your needs and how to make the most of it.

• Better Financial Wellness & Education – A straightforward account structure makes it easier to learn smart money habits and manage your finances with confidence.

• Clearer & More Transparent Service – With improved account details and fee structures, you’ll always know what to expect, making banking with us more seamless and stress-free.

Our goal is to provide young members with the best possible start on their financial journey, and Bright Start is designed to do just that! If you have any questions, we’re happy to help.

Most youth accounts will transition to Bright Start, including both chequing and savings accounts for members aged 0-25. However, a small number of accounts will remain unchanged.

Accounts that will transition to the respective Bright Start spending or savings account on April 3:

Graduate and LifeStart account holders over the age of 25 will either stay in their account type or be contacted to chat about their options. You can always call us if you have questions.

No, your account number and login details will stay the same.

If your account is transitioning, there’s nothing you need to do—it will move automatically. If your account is staying the same, no action is needed either.

All youth accounts held by members under the age of 25 will be transitioned to a Bright Start account. Those over 25 will either remain in their existing account type or will be contacted to discuss options. As always, call us if you have any questions.

Bright Start is designed to simplify youth banking with tailored accounts that offer enhanced benefits. While most features have improved, some aspects may have changed.

Absolutely! Your card, online banking, and mobile app access will remain unchanged.

The $50 Welcome Bonus is an exclusive offer for new members opening a Bright Start account. If you're already a member and your account is transitioning to Bright Start, you won’t be eligible for this bonus. However, you’ll still enjoy all the great benefits of your new account! If you have any questions about your eligibility or would like to learn more about Bright Start, feel free to reach out—we’re happy to help!

You may be eligible for the $100 Bundle Bonus if you add an eligible product to complete your Bright Start Bundle. To qualify, your bundle must include all four products: a spending account, a savings account, a line of credit, and a credit card. If you already have all four, you’re already set up with the full bundle, and the bonus does not apply. If you’re missing one, now is a great time to add it and take advantage of this special offer! Have questions? We’re happy to help—reach out anytime!

Visit our Bright Start page to explore the new features.

If you have any questions about this transition, we’re here to help! Feel free to contact us or visit a branch to learn more.

The Bright Start suite is designed to help young members build smart saving habits. While the spending account no longer earns interest, we’ve introduced the Bright Start Savings Account, which offers a higher interest rate to help your savings grow faster. By keeping your spending and saving separate, you’ll have a better way to manage your money and make the most of your savings!

The new Bright Start suite is designed to support young members at key stages of their financial journey. The updated age limit ensures that as you grow, you’ll have access to the right products and services for your needs. If you're nearing the age limit and wondering about your next steps, we’re happy to help you transition to an account that fits your future goals!