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For full details about changes in deposit insurance, see the Notice Pursuant to the Disclosure on Continuance Regulations.
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Westminster Savings credit cards have now moved to Prospera credit cards, issued by Collabria


    Thank you to all our members as we moved to one credit card portfolio.

    Thank you to all our Westminster Savings credit card holders for your patience as we transitioned to new Prospera Credit Union credit cards. Cards have now been mailed out to all members who previously had a Westminster Savings credit card.

    Important Reminders

    • Westminster Savings credit cards stopped working effective November 6, 2023. Please activate your new Prospera credit card now by doing one of the following:
      • Call the Collabria Contact Centre for card activation at 1-866-498-3840
      • Download the CardWise Mobile App (via the Google Pay store or Apple App store) or register for CardWise Online
    • Your billing cycle may have changed with your new Prospera credit card. Follow your October statement for the most up-to-date information on payment dates, statement cycles and more. You will continue to receive your payment via the same method as before (paper statements or online). You can also view your statements in the CardWise Mobile App or CardWise Online.
    • Ensure you never miss a payment. Update your credit card information where you have recurring payments (like a gym membership) and on any online shopping sites you use (like Amazon). If you use Apple Pay or Google Pay, update your credit card information in your digital wallet, too.
    • Your rewards and card benefits have transferred to your new Prospera credit card so you can still enjoy the same great benefits you had previously.
    • You can conveniently manage your card with the new CardWise Mobile app and CardWise Online. Easily review your account details, access spending insights, set your preferences and more.

    More information is available in our FAQs below.


    Our new credit cards also feature some great new benefits including:

    • New Prospera Credit Union designs
    • Upgraded materials for superior card quality
    • Sustainability focused card options made using plastic reclaimed from coastal waters
    • Anywhere, anytime access to your recent credit card transactions when you link your card within our online banking platform

    Frequently asked questions

    Westminster Savings branded cards are being reissued with new Prospera branding.

    Since the merger in 2020, Prospera has been maintaining two different credit card offerings. This will bring all our credit cards under one portfolio and allow our team to better assist you moving forward. You will also be able to link your card to your online banking for easy access to your credit card transactions and information.
    All members who hold a Westminster Savings credit card
    Your old card had stopped working as of November 6, 2023. It is important to activate your card, set up pre-authorized payments and update vendor information on shopping sites like Amazon, Instacart, etc. ASAP. 
    No, each cardholder will need to activate their own card.
    Activate your new card as soon as you receive it to allow time to set up authorized payments and update vendor information on shopping sites like Amazon, Instacart, etc. You will also need to add your new card to your Digital Wallet (Apple Pay/Google Pay).
    You can activate your card by doing one of the following: 
    • Call the Collabria Contact Centre for card activation at 1-866-498-3840 
    • Download the CardWise Mobile App (via the Google Pay store or Apple App store) or signup for CardWise Online
    No, you will continue to receive the same features and benefits that you currently enjoy with your existing card.
    The annual fee cost is not changing. However, if your annual fee is typically charged in September, October, or November, you will now see the fee charged in December.
    Balances, card limits and reward points where applicable will transfer from the old account to the new account.
    Yes, your new Prospera credit card will be issued with a new account number, expiry date and CVV.
    No, your existing PIN will transfer to your new card.
    If your card is renewing in September, October, or November, you may receive a new Westminster Savings branded card. It is recommended to activate it to limit any service disruptions. Once you receive your new Prospera branded card, follow the steps listed above to activate it and update your payment information, then destroy your Westminster Savings branded card.
    No, Collabria will not pull a new credit check to facilitate this transfer.
    Cardholders will see a new Collabria card item on their report. For a brief period, both the old and new credit cards will be reporting. The old card will be displayed as “closed” within a couple of statement cycles.
    Payments to your old card should be stopped as soon as you activate your new Collabria credit card.
    You may see a change in your billing cycle and payment dates. Please refer to your October statement of your new card for correct payment/statement dates.
    Follow the October statement of your new Prospera card for payment amounts and due dates.
    Yes – payments made to the closed card will transfer over to the new card for a period of 3 months. Payments made after the 3 month deadline will be rejected.
    You will no longer be able to access these statements after November 6, 2023.
    You may receive two statements as transactions may not have transferred over to the new card due to the timing of the account statement. Once your new card is activated and a new billing cycle is completed you will no longer receive two statements.
    As part of migration, some members will have a change in statement cycle. These members will see their September and early October transactions included in one consolidated statement which they will receive in October with payment due in November.
    Accounts will be monitored for any undue interest charges as a result of the longer statement cycle. This interest will be reimbursed by Collabria.
     

    Business card frequently asked questions

    No, each cardholder will need to activate their own card.
    Yes, it will transfer over. However, it is important to note that there will be a new control account generated which will have to be updated when making a payment to the new credit card.
    Yes, the Authorized Business Representative(s) will be transferred as is over to the new credit card.
    No, a new MyCardInfo login will need to be set -up for the new credit card. The cardholder is required to contact cardholder services to have this set up. Please note a new control account will be generated and communicated to all Authorized Business Representatives on the account for a payment to be applied correctly to the new credit card.
    The business is required to get in touch with Collabria Financial Services Inc. call centre at 1-855-341-4643 or email info@collabriafinancial.com to get their new control account number.
    The No Fee Cash Back Visa is not available within the Prospera product line. It has been replaced with the No Fee Cash Back MasterCard. The MasterCard offers you the same features and benefits you’ve previously enjoyed with your Visa. Any rewards points and balances will transfer over to the new card.

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