New to Canada? Welcome!

If you haven’t been officially welcomed to Canada, let us be the first to do so. We’re glad you chose to call Canada your new home.


With all the stresses that come with moving to a new country, banking shouldn’t be one of them. That’s why we’ve created our New to Canada banking account package that offers you certain perks and convenient options that will be perfect for you and your family. Don’t believe us? Keep reading.


Effective July 1, 2022, Sunova Credit Union is Access Credit Union.


The new Access Credit Union promises to offer some of the best financial products and services for every stage in life. We’ve streamlined our account package options to best meet the needs of our combined membership. We are pleased to share the new account package lineup and service fee schedule which will come into effect in October 2022.


Account package grids will be available in July 2022.


Please visit cusuccess.ca for additional information.


What we offer new Canadians


    • No fee banking for 12 months
    • Unlimited free Interac e-Transfers®
    • Mastercard® with $500 limit (on approved credit) See Mastercard® details here
    • Free safe deposit box rental for 12 months


New to Canada banking in your language


Don’t speak finances? Don’t worry, we do. Plus, we offer banking in many languages:


    • Hindi
    • Ukrainian
    • Punjabi
    • Tagalog
    • Russian
    • Bengali
    • Gujarati


Eligibility for new to Canada banking


To be eligible for our New to Canada banking account package, you’ll need to provide landed immigrant document status to confirm that you have not been in the country longer than two years. Additionally, this package is available to new members only.


How to open an account

To open a New to Canada banking account, visit a branch near you with the following documents and / or information:

  • Landed immigrant status
  • Government-issued valid photo identification
  • Social Insurance Number


Get in touch today. 


Building credit in Canada


In Canada, your credit score and credit history are important for when you want to buy a house, buy a car, or take out a loan.


what is credit?

‘Credit’ is the amount of money you have been trusted with by lenders. Your ‘credit score’ is a number based on the credit you have been given and how you have paid it back. The higher the number, the less of a risk lenders will think you are. If your credit score number is high, that is considered having good credit.


why do you need credit?

If you have ‘good’ credit, it will be easier to get a loan and lower interest rates. If you have a low credit score, or ‘bad’ credit you may not be able to get a loan. This can make it hard to get a credit card, buy a car or house, or get a cell phone.


This is all fine and dandy, but if you are a new Canadian, or just simply new to the credit game, you probably want to know how one can actually build credit. Well…


  • Open a bank account (even if you just have a small amount of money to add).
  • Open a line of credit.
  • Ask a lender about a cash-secured credit card.
  • Invest (to show you are responsible with your money!)
  • Use credit carefully. As in, if you get a loan, make sure you pay it off as promised.
  • Don’t take out too much credit. If you have several credit cards, lenders might think you are a risk.


All that said, we know having good credit can help you get a loan, and getting a loan is socially acceptable and something Canadians do every day. A loan can help you go back to school, start your dream business, support your family, and so much more.


Click here for a full comparison of our account packages.

The fine print: All packages, rates, and fees are effective July 1, 2019 and are subject to change. Monthly free transactions include cheque and in-branch cash withdrawals, in-branch transfers, pre-authorized debits, point of sale purchases, ATM transactions (Manitoba credit union ATMs), Sunova GO and Sunova GO Web bill payments and transfers. In-branch free transactions for student account include cash withdrawals, transfers, cheque cashing, and bill payments.


have questions?

Help HQ is here to, well, help! Give us a call at 1.833.378.6682 or start a chat session below!

Help HQ staff are available during the following hours:

Monday – Friday: 8:30 am – 6:00 pm

Saturday: 8:30 am – 4:00 pm


Sunday: Closed

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