Go Big with Your Daily Banking

Payroll Advance enables our members to access up to 50% of their average pay two days earlier than regularly scheduled through direct deposit.

Payroll Advance allows our members to gain access to their pay as soon as possible. Breaking a single payroll deposit into two payments across a two-day period gives you more time and cash flow to better meet your day-to-day goals.

While Payroll Advance and a payday loan are based on your paycheck and offer a portion of that paycheck earlier than regularly scheduled, Payroll Advance differs from a payday loan. Unlike payday loans, Payroll Advance does not charge any fees to sign up, use, or cancel. Payroll Advance also does not charge any interest while in use, essentially functioning as a 0% two-day loan. Within the fine print, the difference lies in how Payroll Advance is structured, automatically paying itself off as soon as your pay is deposited into your account, avoiding any lingering debt obligation.

Any member who holds an Eva Chequing Account in good standing, is 18 or older, employed, and has their recurring paycheck directly deposited into their Eva Chequing Account for at least 90 consecutive days is eligible to use the Payroll Advance feature.

You can receive up to 50% of your previous 90-day average pay directly deposited into your Eva Chequing Account, up to a maximum of $3,000.

No, a credit report will not be required to qualify for the Payroll Advance feature. Instead, your account’s direct deposit history and average deposit will be used to qualify you for the Payroll Advance feature.

If your pay is delayed and not deposited into your account when it’s expected, and sufficient funds are not available to cover the Payroll Advance previously deposited, your account will be placed under an unauthorized Overdraft status. Certain fees, interest, terms, and conditions may apply.

When you sign up for Payroll Advance, you can choose to be paid one or two days earlier, depending on which best suits your day-to-day banking needs.

With Payroll Advance, you can choose any amount up to 50% of your 90-day average pay, up to a maximum of $3,000, giving you flexibility to choose the amount that best suits your needs.

You can cancel Payroll Advance anytime by contacting your branch or the Member Contact Centre at 1-866-500-9328.

There are no fees associated with Payroll Advance for members who keep their accounts in good standing according to the Payroll Advance Loan Agreement. Fees and interest apply when a member fails to meet their obligations in the terms and conditions set out in the Payroll Advance Loan Agreement, and the account goes into default.

Extended Warranty is available on select Eva Chequing Accounts and doubles the manufacturer’s authorized Canadian warranty, adding up to two extra years, for most purchases made worldwide.

Extended warranty allows our members to double the repair period on a purchase that encounters a failure under the terms of the manufacturer’s warranty. This is included on all purchased goods through eligible Eva accounts with an easy-to-use claims process through our program provider, CUMIS Insurance Company.

A qualified Eva Chequing Account holder can claim any eligible purchases through the Extended Warranty program. If you have a claim, please contact CUMIS Insurance by calling 1-800-263-9120 or by visiting www.cumis.com. Extended Warranty is underwritten by and is provided to credit union members through CUMIS General Insurance Company.

There is no additional fee to add or use Extended Warranty. Extended Warranty is a built-in feature on our Eva Gold, Eva Diamond and Eva Platinum Chequing Accounts, and is included in the already low monthly fees. This includes the discounted variations of the Eva Diamond account, such as Mortgage Advantage, Youth, and Senior.

For the most comprehensive list of inclusions and exclusions within the Extended Warranty program, please refer to your manufacturer’s warranty and contact CUMIS directly or view the Certificate of Coverage or the Group Policy available here.

Members looking to make a claim will need a copy of their transaction record, the merchant bill, and (for warranty claims) the manufacturer’s warranty. Simply call 1-800-263-9120, and a Claims Representative will assist you.

Purchase Protection is available on select Eva Chequing Accounts and enables our members to repair or replace eligible purchases against direct loss, theft, or damage within the first 120 days after the date of purchase.

Purchase Protection is a feature for our members who have suffered a direct loss, theft, or destruction of a newly purchased good. Purchase Protection is included on all purchased goods through eligible Eva chequing accounts with an easy-to-use claims process through our program provider, CUMIS Insurance Company.

A qualified Eva Chequing Account holder can claim any of their eligible purchases through the Purchase Protection program. If you have a claim, please contact CUMIS Insurance by calling 1-800-263-9120 or visiting www.cumis.com. Purchase Protection is underwritten by and is provided to credit union members through CUMIS General Insurance Company.

There is no additional fee to hold or use Purchase Protection. Purchase Protection is a built-in feature on our Eva Gold, Eva Diamond and Eva Platinum Chequing Accounts and is included in the already low monthly fee. This includes the discounted variations of the Eva Diamond account, such as Mortgage Advantage, Youth, and Senior.

For the most comprehensive list of inclusions and exclusions within the Purchase Protection program, please contact CUMIS directly or view the Certificate of Coverage or the Group Policy available here.

Members require a copy of their transaction record, the merchant bill, and (for warranty claims) the manufacturer’s warranty.

Then simply call 1-800-263-9120 and a cClaims Representative will assist you.

When you make a qualifying purchase (a debit transaction processed through the Mastercard network) and have an Eva Platinum Chequing Account, you are eligible to earn cashback rewards.

Using your card online or internationally to make purchases could earn you cashback rewards. You will see these transactions as “Debit Mastercard Purchase” in your transaction history (listed on statement or online banking).

Some transactions are not eligible to earn rewards, such as (but not limited to) fees, ATM withdrawals, credits, cash advances, or cash-like transactions.

In-store purchases and mobile pay purchases in Canada do not process through the Mastercard network and are, therefore, not eligible for cashback rewards.

You must be 18 years of age or older and enrolled in the program.

You can earn up to 1% Cash Back on qualifying purchases. The Cash Back reward rate varies depending on the business type, location, and processing method.

Cash Back Rewards are earned at a rate up to a maximum of 1%. The actual earned reward rate is dependent on a number of factors, many of which are outside of our control, including, but not limited to, the merchant, the Merchant Category Code (MCC) of their system, the merchant’s agreement with their payment provider, and the method they process their payments.

For example, a single online merchant may have multiple different Merchant Category Codes and, therefore, different Cash Back Reward rates. One purchase may be coded as Retail and be eligible to earn 1%, and another may be coded as Groceries and be eligible to earn 0.50%.

Cash Back Rewards will accumulate throughout the month. WFCU will deposit Cash Back Rewards into your eligible Eva Platinum Chequing Account before the end of the month, following the month in which the qualifying purchase was made.

Inquiries regarding Cash Back eligibility and calculations can be submitted within 30 days from the account statement date. To begin your inquiry, contact us at 1-866-500-9328 or info@wfcu.ca.

If you make a return on a qualifying purchase, the cashback rewards earned on this purchase will no longer be available.

If you close your Eva Platinum Chequing Account or cancel your Debit Mastercard at any time during the month, you will forfeit any Cash Back Rewards earned and not yet paid, including those from the previous month.

For the terms and conditions, please visit https://mywfcu.ca/fineprint/ 

Price Adjust, legally referred to as Price Protection, is offered on select Eva Chequing Accounts and allows members to be reimbursed for the difference if a lower advertised price on eligible purchases is found within the first 60 days of the purchase date.

Price Adjust entitles our members who have made an eligible purchase and then find a lower Canadian written advertised price within the next 60 days to reimbursement. Price Adjust is included on all eligible purchases through select Eva Chequing Accounts with an easy-to-use claims process through our program provider, CUMIS Insurance Company.

A qualified Eva Chequing Account holder can claim any of their eligible purchases through the Price Adjust program. If you have a claim, please contact CUMIS Insurance by calling 1-800-263-9120 or visiting www.cumis.com. Price Adjust is underwritten by and is provided to credit union members through CUMIS General Insurance Company.

There is no additional fee to hold or use Price Adjust. Price Adjust is a built-in feature on our Eva Gold, Eva Diamond and Eva Platinum Chequing Accounts and is included in the already low monthly fees. This includes the discounted variations of the Eva Diamond account, such as Mortgage Advantage, Youth, and Senior.

For the most comprehensive list of inclusions and exclusions within the Price Protection (Price Adjust) program, please contact CUMIS directly or view the Certificate of Coverage or the Group Policy available here.

Members require a copy of their transaction record, the merchant bill, and (for warranty claims) the manufacturer’s warranty.

Then simply call 1-800-263-9120 and a cClaims Representative will assist you.

Higher Interest is an exclusive feature of our Eva Platinum chequing account that enables our members to earn a high rate of interest, 2.00% per annum, on the first $250,000 in their account when they set up an eligible Recurring Direct Deposit of at least $1,000 per month.  

Higher Interest is a useful feature that helps our members build up their chequing account balance at a faster pace than if they held a separate savings account, with no added cost, requirements, or extra steps.

Any member who holds an Eva Platinum chequing account and has set up a Recurring Direct Deposit of at least $1,000 per month earns Higher Interest on the first $250,000 dollars held in the account automatically as part of the regular account features.  

As soon as you open your Eva Platinum chequing account, Higher Interest will be applied automatically for the first six weeks to provide enough time to set up and receive qualifying Recurring Direct Deposits. Higher Interest will remain enabled on the Eva Platinum account so along as the first qualifying Recurring Direct Deposit is received within the first six weeks of your account opening date.  

You will continue to earn the Higher Interest rate of 2.00% as long as your Recuring Direct Deposits total at least $1,000 each month. 

If Higher Interest is not currently enabled on your Eva Platinum account, once qualifying Recurring Direct Deposits are detected by the last day of each month, your Higher Interest rate of 2.00% will take effect within the first two weeks of the following month.  

You will see your effective interest rate on your account details screen of our Online Banking platform. 

You can easily set up direct deposit using the sign up form provided by your employer and your account information found on our mobile app or online banking platform.
If you require further support, we’re happy to guide you through the process over the phone or in branch. Please contact us here to get started.

Yes! The Higher Interest rate of 2.00% is available to all new and existing members who purchase the Eva Platinum chequing account and meet the Recuring Direct Deposit qualification threshold each month. 

Higher Interest is a combination of two fixed rates, the Base Rate and the Bonus rate on the first $250,000 when you set up an eligible recurring direct deposit of at least $1,000 per month into your Eva Platinum chequing account. As of October 1, 2025, the current Base Rate is 0.50% plus the Bonus Rate of 1.50%, for a total Higher Interest rate of 2.00%. Only the Base Rate will apply to any balance over $250,000.   

For more details, visit the Eva Platinum full terms and conditions here.