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!
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.
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!
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.
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.
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.
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.
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.
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.
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.
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.
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 uni.ca.
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
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.