This offer is open to new and existing SCU members and Aviso Wealth clients through SCU Wealth who meet eligibility requirements of the promotion. 

Qualifying accounts are eligible Aviso Wealth accounts through SCU Wealth, listed below: 

Non-registered account
RRSP, Spousal RRSP and locked in RRSP
RRIF & Spousal RRIF and locked in RRIF
TFSA
FHSA

All other account types don’t qualify for this offer. 
 

The 9-month period begins on the date the initial transfer-in or contribution is received into a qualifying account(s). 

Once your transfer-in and PAC requirements are met, your 1% cash bonus will be deposited into your SCU chequing, savings, or qualifying account (at SCU’s discretion) within 2 months after the 9-month holding period has ended.

Yes. You can transfer funds from more than one Canadian financial institution to reach the $10,000 minimum amount requirement for this offer. 

You can still qualify for the 1% cash bonus if you transfer-in, or contribute at least $10,000 in new assets into your existing Aviso Wealth account through SCU Wealth. You’ll also need to set up a pre-authorized contribution (PAC) of at least $50 for 9 (nine) consecutive months, if you don’t have one setup already. 

Yes. The maximum 1% cash bonus is $5,000 per member.

If your PAC is cancelled or interrupted before completing the 9 consecutive months, you will no longer be eligible to receive the 1% cash bonus. 

Yes. SCU may provide a one-time transfer fee credit of up to a maximum of $250 per member for transfer-out fees charged by another Canadian financial institution when transferring funds into a qualifying account(s). 

No. This offer cannot be combined with any other offers. 

You can set up a PAC by booking an appointment with an SCU wealth advisor, who will help you set up your PAC.

Yes. Contributing $50 is the minimum monthly amount required to qualify, but you can contribute any higher amount that fits your savings plan.

Yes. Joint accounts are eligible for the offer. However, only the primary owner of the joint account will be awarded the 1% bonus, up to a maximum of $5,000.

If you withdraw or close your qualifying account(s), stop your PACs or move funds out before completing the 9-month holding period, you’ll no longer be eligible for the 1% cash bonus. Withdrawals made to meet required minimum annual RRIF or LIF payments will not affect your eligibility.  

Eligible transfers or contributions must be initiated by 5:00 p.m. on March 2, 2026, and received by Aviso Wealth by 5:00 p.m. on May 15, 2026. On May 18, 2026, SCU Wealth will calculate the 1% cash bonus based on the total value of your new assets. Once the 9-month holding period has ended, your bonus will be paid within two months. 

Wealth Management Offer (Terms and Conditions)

General Terms
1.    Steinbach Credit Union Limited (“SCU”) is offering a 1% cash bonus (up to a maximum of $5,000) (the “Offer”), which is available to new and existing SCU personal members (each a “Member”) who, during the Offer Period (as defined herein) meet all of the following conditions:
(a)    are Manitoba residents that are of the age of majority in Manitoba at the time of the Transfer(s) (as defined herein);
(b)    are a new or existing client of Aviso Wealth through SCU’s wealth team (“SCU Wealth”) (Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc.);
(c)    transfer or contribute a minimum of $10,000.00 into a Qualifying Account (as defined herein) at Aviso Wealth through SCU Wealth; 
(d)    set up an active pre-authorized contribution (“PAC”) of at least $50 per month, which is active at the time the Offer is paid to the Member; and
(e)    hold the New Assets in the account at Aviso Wealth opened through SCU Wealth for the Holding Period (as those terms are defined herein). 
2.    All other terms and conditions of the Qualifying Accounts (as defined herein and as outlined in the applicable SCU Qualifying Accounts agreement) continue to apply.

Offer Conditions
3.    The Offer shall start at 12:01 A.M. CST on January 7, 2026 and will continue until the earlier of March 2, 2026 at 5:00 P.M. CST and when SCU terminates the Offer, in its sole discretion and upon not less than twenty-four (24) hours’ notice to Members (the “Offer Period”) by posting an update on SCU’s website: https://scu.mb.ca/personal. No Transfers (as defined herein) made after the end of the Offer Period shall be eligible for the Offer.
4.    The following accounts at Aviso Wealth through SCU Wealth qualify for the Offer:
(a)    non-registered account;
(b)    registered retirement savings plan;
(c)    spousal registered retirement savings plan;
(d)    locked in registered retirement savings plan;
(e)    registered retirement income fund;
(f)    spousal registered retirement income fund;
(g)    locked in registered retirement income fund;
(h)    prescribed retirement income fund;
(i)    tax-free savings account; or
(j)    first home savings account.
(collectively, the “Qualifying Accounts”).
5.    The Member must transfer or contribute cash, investments, or a combination thereof (“New Assets”) into a Qualifying Account during the Offer Period (a “Transfer”). All assets held within the Qualifying Account must be invested in a market based instrument - excluding GICs. The Member may make multiple Transfers as long the aggregate value of all Transfers during the Offer Period is at least $10,000. Transfers initiated before expiry of the Offer Period must be received by Aviso Wealth through SCU Wealth on, or before May 15, 2026 at 5:00 P.M. CST, to qualify for this Offer. All Transfers which are received after this date, will not qualify for the Offer, even if the Transfer was initiated in compliance with Section 3. 
6.    The New Assets may be transferred into multiple different Qualifying Accounts. If Transfers are made into multiple Qualifying Accounts, the aggregate value of all Transfers made during the Offer Period will be recognized for the purposes of the Offer.
7.    The effective date of a Transfer is the date of completion of the signed agreement for the Transfer by the Member. 
8.    The: (a) total amount of the New Assets transferred during the Offer Period; and (b) the book value of such total amount of New Assets, for the purposes of determining the payout to the Member under the Offer, will be calculated as of May 15, 2026 at 5:00 P.M. CST. 
9.    There shall be a minimum holding period of nine (9) months in the Qualifying Accounts from the date the Member’s initial Transfer is received by Aviso Wealth through SCU Wealth (the “Holding Period”). Any transfer-outs or redemptions by the Member during the Holding Period will disqualify the Member from the Offer. 
10.    The Offer shall be paid out to the Member no later than two (2) months after the expiry of the Holding Period, as cash deposited into one of the Member’s non-registered SCU accounts or an account with Aviso Wealth through SCU Wealth (the particular account being determined by SCU, in its sole discretion). Members must have an active PAC at the time of payout of the Offer. If a Member has terminated the PAC before the payout of the Offer by SCU (meaning there is no active PAC as of the date of the payout of the Offer), the Member shall be disqualified from the Offer.
11.    Limit of one (1) Offer per Member. The Offer is not available on all accounts that SCU Wealth offers, only the Qualifying Accounts. Transfers will be credited to the primary owner of a joint account, who will be the recipient of the Offer. Other joint account holders will not have the value of such Transfers credited to them, for the purposes of calculating the Offer.  
12.    SCU may provide a one-time transfer fee credit, up to a maximum of $250, per Member, for fees incurred by the Member for transferring funds into a Qualifying Account from another Canadian investment firm or Canadian financial institution, upon SCU’s receipt of documentation evidencing the Member incurring said transfer fees. The sufficiency of such documentation and determination of the payout of this one-time transfer fee credit is in the sole discretion of SCU. This provision is subject to change by SCU, without notice.
13.    All non-members wishing to participate in the Offer must purchase a five-dollar ($5.00) Member share at the time of Qualifying Account opening.
14.    The Qualifying Account(s) must be in good standing throughout the Offer Period and must not be in a debit position nor have any margin calls.
15.    All references to dollars ($) herein are references to Canadian Dollars (CAD).

Limitations
16.    This Offer is non-transferable, non-saleable and may not be exchanged for cash. 
17.    SCU reserves the right at its absolute discretion to change any of these Terms and Conditions from time to time without prior notice. In the event of conflict, these Terms and Conditions will prevail over any account agreement with SCU and any of the contents of any brochure, promotional materials or statements, or any other communication regarding this Offer, whether written or oral from SCU, except where otherwise stated.
18.    By participating in this Offer, Members agree to comply with all applicable laws and regulations. Any attempt to manipulate or exploit the Offer, as deemed in SCU’s sole discretion, will result in disqualification.
19.    The Member will not engage, either directly or indirectly, for themselves or through or behalf of or in conjunction with any other person or entity, in any behaviour which could be deemed, by SCU in its sole discretion, to be offside of the intention of this Offer. 
20.    SCU reserves the right, at its sole discretion, without advance notice, to suspend, disqualify, limit, revoke, terminate or otherwise modify the Offer, in whole or in part, for : (i) any Member it finds or believes to be manipulating or otherwise abusing the integrity of the Offer or who otherwise is deemed ineligible; and (ii) any reason or if an Offer can't run as planned including infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, or any other causes beyond SCU’s reasonable control which corrupt or affect the administration, security or proper conduct of this Offer, including limits or restrictions arising under any applicable laws.
21.    By accepting this Offer, the Member agrees that they have read and understood these Terms and Conditions and agree to be bound by them. Any notice to be given with respect to this Offer is deemed to be provided on the day it is posted on the SCU website.
22.    SCU is not liable for any loss or damage related to this Offer, including, but not limited to, direct, indirect or consequential damages. By participating in this Offer, the Member agrees to irrevocably and unconditionally release, discharge and forever hold harmless SCU, its directors, officers, employees, agents, representatives, affiliates, successor and assigns (collectively, the “Released Parties”) from any and all claims or liabilities (collectively, “Claims”), whether known or unknown, which the Member, directly or indirectly, now has or may hereafter have, arising out of or in connection with this Offer, or any associated transaction, service or product provided by SCU.
23.    By participating in this Offer, the Member agrees to indemnify and hold harmless the Released Parties to the fullest extent permitted by law, and from any and all losses arising out of: (i) any breach by SCU of its obligations pursuant to the Offer, including, without limitation, claims made by third parties; and (ii) any of the Released Parties’ negligence or willfully wrongful, wanton or reckless condition or omissions. This indemnity shall survive the termination, completion or expiry of the Offer between the Member and SCU.
24.    The Offer is intended for promotional purposes only and does not constitute financial, tax, accounting or legal advice or an opinion related to the acquisition, suitability or use of the Account. The Member acknowledges and agrees that SCU is not providing any financial, tax, accounting or legal advice or information on the potential consequences to the Member as a result of the Member’s participation in the Offer. Members should obtain their own professional advice, as needed. For greater certainty, SCU is not responsible for any financial, tax, accounting or legal advice to the Member or potential financial, tax, accounting or legal consequences to the Member as a result of this Offer.
25.    This Offer may not be combined with any other offer or promotion offered by SCU.
26.    These Terms and Conditions shall be governed by and construed in accordance with the laws of the Province of Manitoba and the federal laws of Canada applicable therein, without giving effect to any choice or conflict of law rule that would result in the application of the laws of any other jurisdiction. The parties irrevocably submit to the exclusive jurisdiction of the courts of the Province of Manitoba for any action, suit, or proceeding arising out of or relating to these Terms and Conditions and irrevocably waive any objection to venue or inconvenient forum in such courts.
27.    For any questions or concerns regarding this Offer, please contact SCU at scu@scu.mb.ca