Update on COVID-19

To do your daily banking while protecting yourself and others, visit UNIAssisT.

Payment deferral

Government assistance programs

Access to your accounts

Market volatility

Protection and safety

Insurance and travel

Business locations

Other updates

UNI is monitoring the global, domestic, and local situation closely and giving the situation all the serious attention a pandemic demands.

We have taken numerous safety precautions at our business locations, both for employees and for members and clients, including thoroughly cleaning each one with alcohol-based cleaning products Your well-being and the safety of our colleagues are our priority. These measures follow Canadian government recommendations.

Our regular high standards of hygiene and cleanliness are being carefully followed, with special attention to doorknobs, handrails, counters, and teller areas.

If you or your business have been directly affected by COVID-19 and you are facing financial challenges, UNI has instituted a special measure to help you face the situation and give you a little breathing room.

We're offering the option of deferring payments (capital and interest) on all or a portion of the loans you have with UNI, all at no charge. Whether for your mortgage or a personal loan, or your business credit line, UNI is there to help!

See the "Payment deferral" page to consult the FAQ and make a request.

For questions about a scheduled trip, a cancelled trip or a trip currently underway, visit "INSURANCE AND TRAVELS" section.

UNI is working hard to protect employees while continuing to serve members and clients. We are taking all the health and safety measures the COVID-19 crisis demands.

Since Friday, March 20, 2020, certain business locations have been temporarily closed until further notice. For the same reasons, we have reduced the Monday to Friday business hours at other locations. No business location is now open in the evening or on weekends.

Find a complete list of UNI business locations and their updated business hours.

Despite these measures, all automatic teller machines remain open and operational, even at our closed locations.

To conduct your daily business from the comfort of your home, connect to our online financial services or go to our mobile app. Our videoclip can walk you through the steps.

Online financial services let you:

  • Manage your accounts, check your balance, see your transaction history and get information about your credit card account
  • Transfer money online or via Interac
  • Pay your bills
  • Get your monthly statements
  • Deposit cheques via our mobile app
  • And much more!

Criminals are trying to take advantage of the COVID-19 pandemic and may pretend to be government bodies and ask for donations. Fraudulent emails and SMS/text messages are being sent out to get recipients to reveal personal information or click on links or attachments.

We never send unsolicited emails asking for confidential information like your password, PIN, access code or credit card or account numbers.

Don't answer these unsolicited emails or SMS/text messages. Don't open attachments and never click on links in emails or SMS/text messages. Better safe than sorry!

Visit everyday security section to know more.

At UNI we know how financially unsettling COVID-19 is, particularly with the impact it is having on financial markets. So we think it's important to reassure you and provide reliable information.

To help you better understand the impact of COVID-19 on your investment outlook, we invite you to consult the "MARKET VOLATILITY" section.

Payment deferral

Want to defer your payments?


Government assistance programs and financial relief measures

At UNI, we are committed to understanding the various financial concerns that our client members may be experiencing during this pandemic. Here are some government assistance programs and financial relief measures available to support you during this time.

For individuals

For businesses

Access to your accounts

COVID-19 is a major concern, and we want to make sure that you can continue doing your banking easily and conveniently, anytime, anywhere.

To conduct your everyday transactions without having to leave home, log in to your account online or use our mobile app. Check out our video tutorial for step-by-step instructions.

Using our online tools, you can:

  • Manage your accounts, check account balances, view your transaction history and information about your credit card account
  • Transfer money using Interac e-Transfer
  • Pay bills
  • Retrieve account statements
  • Deposit cheques via our mobile app
  • And much more!

Market volatility

Here at UNI, we know just how much the repercussions of COVID-19 have been financially destabilizing, especially with the current volatility of the financial markets. This is why we want to reassure and inform you.

The volatility of the financial markets sparked by, among other things, the economic uncertainty caused by the COVID-19 pandemic has been in the news for several weeks. This is likely of great concern to you, which is understandable. In this context, however, it is important to remember what we have learned from previous crises, specifically the one in 2008.

To help you to better understand the impact of COVID-19 on the future of your holdings, please read the articles below.

During a period of uncertainty, it may be tempting to act quickly. Decisions based on emotions can, however, turn out to be disastrous and severely affect your long-term financial objectives. The markets have experienced this kind of volatility before. In fact, it is even a necessary part of the economic life cycle.

Volatility in the markets is sparking a new wave of government fiscal and budgetary stimulus. Government action is taking place at all levels of the economy and the marketplace, thus increasing the chances of a strong rebound. History proves it.

  • Volatility is part of long-term investing.
  • Market corrections can lead to interesting opportunities.
  • For regular investors, the gains tend to accumulate.
  • The diversification of your investments tends to balance out your returns.
  • Concentrating on earnings increases overall returns.
  • Investing in quality stocks results in long-term returns.
  • Do not be influenced by the emotions of the masses.
  • Active investing can offer benefits during periods of high volatility.
  • Should you have any concerns, please do not hesitate to contact your investment advisor. Our advisors are there to help you.

If you have any other questions, please do not hesitate to contact your investment advisor.

For more relevant information regarding market volatility, go to the NEI and Fidelity websites.


Mutual funds, and related financial planning services are offered through Credential Asset Management Inc. Mutual funds, other securities and securities related financial planning services are offered through Credential Securities, a division of Credential Qtrade Securities Inc. Credential Securities is a registered mark owned by Aviso Wealth.

Protection and safety

  • If you're financially impacted, let us know
    If you or your business are directly impacted financially by COVID-19 and you're facing financial challenges, please don't hesitate to contact your advisor or account manager. We're here to help you find solutions.
  • Stay vigilant in the fight against fraud
    Criminals are trying to take advantage of the COVID-19 pandemic by posing as a government agency and requesting donations. Fraudulent e-mails or SMS/text messages are sent to trick recipients into revealing personal information or clicking on links or attachments.
  • UNI is here to protect you
    We will never send you unsolicited e-mails asking for confidential information such as your password, PIN, access code or credit card or account numbers.

Never reply to these unsolicited e-mails or SMS/text messages. Never open attachments and never click on links in e-mails or SMS/text messages. Vigilance and caution are always your best defence!

We appreciate your understanding and will be providing updates as this situation continues to unfold.

Insurance and travel

Credit card with insurance

Did you purchase your trip with your Odyssey Gold, Odyssey World Elite or Odyssey Infinite Privilege credit card? You benefit from complete travel insurance, including Trip Cancellation coverage, up to a maximum of $2,500 per person. If you have other concerns, read our frequently asked questions below:

Decided to take your trip as you originally planned? No problem. Since you left the country before the government issued the advisory on March 13, your Emergency Health Care coverage applies.

Want to return to Canada? First you have to go through the process of getting your ticket changed with your travel agency or airline. Once back in the country, you can submit a claim online. for the additional ticket change fees incurred. Your claim will be processed as quickly as possible.

Clients who are currently out of the country and want to come home can make the necessary arrangements and file a claim when they get back. There's no need to contact your credit card company in advance. If you need any assistance, you can always call us at 1-800-363-4345.

For a trip purchased before March 13, 2020: Yes, the expenses incurred for your trip are covered if you have Trip Cancellation coverage. If your return is delayed, you may be eligible for reimbursement of your living expenses, the unused portion of your trip and expenses incurred because you returned later than planned.

For a trip purchased on or after March 13, 2020: You are not covered if you are quarantined.

If you are currently travelling and your departure date was prior to March 13, 2020, your Emergency Health Care coverage will be honoured until your contracted return date because at the time of departure the Government of Canada had not yet issued the notice advising people to avoid non-essential travel abroad.

Is your trip already booked and your scheduled departure date coming up? If you want to modify or cancel your trip, we ask that you first contact your travel agency or airline to find out their policy.

If you want to submit a claim, you can do so online. To better serve our members and clients, trips scheduled to depart within the next 30 days will be given priority. Given the exceptional circumstances, we ask that you hold off submitting claims for trips scheduled for a later departure.

Due to the travel advisory issued on March 13, no trip cancellation or interruption costs will be reimbursed after departure, because the credit card company would have reimbursed you before you left the country. You should also note that your health coverage does not apply to coronavirus-related care.

See the Government of Canada's website for a list of affected regions and countries.

Further to the Government of Canada's March 13 notice advising Canadians to avoid non-essential travel abroad, all destinations outside Canada are covered until further notice.

If you want to submit a claim, you can do so online. To better serve our members and clients, trips scheduled to depart within the next 30 days will be given priority.

It includes expenses related to an early return to your home province for a reason accepted by the insurer. Reimbursable expenses are as follows: airfare, reasonable living expenses and the unused part of the land portion of the trip.

To submit a claim online, visit the claims section. We ask that you first contact your travel agency or airline to find out their policy.

To better serve our members and clients, trips scheduled to depart within the next 30 days will be given priority. Given the exceptional circumstances, we ask that you hold off submitting claims for trips scheduled for a later departure.

On March 9 the Canadian government issued a recommendation to avoid all cruise travel due to the coronavirus epidemic.

If you purchased your trip before March 10, 2020: You are covered if you decide to cancel your cruise due to the coronavirus.

If you decide to go on your cruise despite the government's recommendation, you will not be covered for emergency coronavirus-related health care at your destination.

For trips purchased on or after March 10, 2020: You are not covered if you cancel your cruise or receive emergency health care during your trip.

No. On March 13, 2020, the Canadian government issued a notice to avoid non-essential travel outside Canada. Your Emergency Health Care coverage will not apply if you require emergency medical care or services related to the coronavirus.

Since you had the option of cancelling your trip, you will not be reimbursed for any expenses after departure.

In case of emergency, call the customer service telephone number shown on the back of your credit card or, if you are unable to submit a claim online, call 1-855-368-6924.

Latest news and other updates

June 11 | Media release: UNI Financial Cooperation moves torward partial and progressive reopenings of business locations and extended business hours

A gradual loosening of restrictions will take place at UNI Financial Cooperation with the partial reopening soon of some business locations which were temporarily closed due to COVID-19.

June 2 | Media release: Update on temporary closures of select business locations

For the time being, UNI Financial Cooperation will be maintaining the temporary closure of a number of business locations due to the pandemic.

April 28 | UNI with you all the way, message from our CEO, Robert Moreau

April 28 | Increase of contactless payment limit for debit card holders

Please be advised that the contactless (“tap”) payment limit on debit cards has been increased from $100 to $250 to reduce person-to-person contact and protect our client members. This increase is effective immediately.

The cumulative daily limit for contactless ("tap") payments has increased from $300 to $400. Once the limit has been reached, the cardholder must complete the transaction by inserting their card and entering their PIN. This resets the cumulative limit to zero.

April 23 | Canada Emergency Business Account message from René Collette, Senior Vice-President, Personal & Commercial Banking

April 6 | Market volatility message from Daniel Bergeron, Wealth Management Director

April 1 | Media release: UNI Financial Cooperation temporarily closes more business locations

In an effort to prevent the spread of the COVID-19 virus and to protect our employees and members, UNI is temporarily closing 10 more business locations as of Thursday, April 2, 2020.

March 31 | Annual general meeting is temporarily postponed

Following the many recommendations from government authorities regarding the spread of COVID-19, Caisse populaire acadienne ltée established a number of preventative measures, notably the cancellation of public meetings. In light of this, the board of directors of Caisse populaire acadienne ltée is temporarily postponing its annual general meeting (AGM) and looking at alternatives which will meet regulatory requirements. An announcement regarding further details on this matter will be made soon in the media and on

March 31 | Message from our CEO, Robert Moreau

March 31 | Increase of contactless payment limit for credit card holders

The contactless payment limit was increased from $100 to $250 for Desjardins POS terminals. This temporary increase will apply to Desjardins credit card holders in pharmacies, grocery stores and convenience stores with a Desjardins terminal.

March 29 | Protecting our employees, members and clients. Find out more with Françoise Roy, Vice President Communication, Marketing and Community

March 19 | UNI has launched a new payment deferral program

March 19 | Media release: UNI temporarily closing seven business locations and reducing opening hours

UNI is working diligently to safeguard our employees and to continue to serve our client members by implementing health and safety measures during the COVID-19 situation.

March 17 | Events: We're reviewing UNI's scheduled events on a case-by-case basis. We' re exploring alternatives and will contact the people involved or affected as soon as decisions are made.

March 17 | Travel and meetings: We've begun restricting all non-essential business travel and meetings among all UNI employees and limiting the number of visitors to our premises (suppliers, consultants, etc.). Employees have access to various IT solutions to avoid in-person meetings. We encourage our employees to protect their own health and that of their families and have been promoting proper hygiene habits during this pandemic.

  • UNI is following the directives of government agencies and will continue to take all appropriate actions to minimize the spread of the virus.