Canadian High Interest Savings Bank Accounts - Forum: Omnia Direct (WFCU)

smayer97 on HISA Special March 2026

Fri, 01 May 2026 01:28:51 -0700

So, l what exactly are you confident about? Will new funds receive the promo rate or only existing money, as you have said both?

Loonie on HISA Special March 2026

Thu, 30 Apr 2026 08:34:33 -0700

Personally, I feel confident about the rate now as the person who contacted me is fairly high in WFCU hierarchy but it has definitely been a frustrating week and this issue took up far too much of my time. Still, for me, it's an excellent deal and everyone I dealt with has been very pleasant.

The 4.60 and 4.29 offers have now disappeared from their website, so there is no extension.
.

smayer97 on HISA Special March 2026

Thu, 30 Apr 2026 07:00:47 -0700

All this has created ambiguity as to what rate any new deposits will earn for those that have this offer active.

Norman1 on HISA Special March 2026

Thu, 30 Apr 2026 03:11:18 -0700

That confirmation makes the most sense.

Their fine print says the 4.60% rate will be for 180 days from the date that the savings account is opened and the 4.29% interest rate will be for 120 days. No mention that either rate will only apply to funds in the account by April 30.

Maybe it is the $500 minimum deposit that needs to be made by April 30 for the offer to trigger.

Loonie on HISA Special March 2026

Thu, 30 Apr 2026 02:46:52 -0700

I received confirmation by email and personal phone call from a senior manager this morning to say that new deposits WILL be allowed in the months to come! He apologized for confusing messages.

Loonie on HISA Special March 2026

Wed, 29 Apr 2026 13:48:05 -0700

I think we will all have to go with whatever info we received especially if in writing from a manager.

That said, from a business management point of view, I think WFCU would likely want to limit its potential liability by closing off deposits. The max on this account is 2 million. If members deposited too much more money in the months to come, it could be an unacceptable risk for the CU. Thus, I imagine they really did intend to cut it off but some employees may not have understood or known this. From what I can see, T&C don't cover this.

julio on HISA Special March 2026

Wed, 29 Apr 2026 08:38:50 -0700

Email from Toronto branch: "I would like to clarify the details of the 4.60% campaign to avoid any misunderstanding. The campaign is ending on April 30, 2026, and funds must be deposited by that date to qualify for the 4.60% interest rate. Opening the accounts on April 30, 2026, without funding them at that time would not secure the promotional rate."

mustang on HISA Special March 2026

Wed, 29 Apr 2026 07:35:11 -0700

mustang said
I just checked with branch
Was told:
i) offer closes April 30
ii) Since my account is already open, I can continue to add funds to it later, and still earn the promo rate

My response from branch did come in the form of an email

Loonie on HISA Special March 2026

Wed, 29 Apr 2026 06:30:21 -0700

smayer97 said
I was told by phone on Monday that the offer has been extended one week.

I was told today by branch and by call centre by phone that it will not be extended. What a circus.

Loonie on HISA Special March 2026

Wed, 29 Apr 2026 06:25:19 -0700

I have spent basically all afternoon trying to get this question of later deposits resolved.
Today call centre said you could make later deposits but has not yet sent anything by email to confirm as requested.
Meanwhile our advisor at the branch has checked with manager and call centre and confirms that you cannot do this.
So, unless you have something in writing, I wouldn't count on it. It could be a nasty disappointment... or not....
Personally, I am assuming it can't be done unless the call centre person sends me an email, which now seems unlikely as I last spoke to her 3 hours ago.

mustang on HISA Special March 2026

Wed, 29 Apr 2026 03:54:09 -0700

I just checked with branch
Was told:
i) offer closes April 30
ii) Since my account is already open, I can continue to add funds to it later, and still earn the promo rate

smayer97 on HISA Special March 2026

Wed, 29 Apr 2026 03:05:00 -0700

I was told by phone on Monday that the offer has been extended one week.

Loonie on HISA Special March 2026

Tue, 28 Apr 2026 16:37:44 -0700

I have confirmed by phone and in person that this promo only applies to funds that are in the account on April 30 (unless extended). No new deposits for promo rate, and withdrawals can't be replaced for the rate.

smayer97 on HISA Special March 2026

Sat, 11 Apr 2026 07:58:12 -0700

smayer97 said
@Peter, not sure why this is not on the Promotion page. Please add. Offer is available until Apr 30, 2026 (can be revoked without notice).

These offers are registered account eligible (TFSA, RRSP, FHSA).

To be sure, though this is not strictly an Ontario only offer, if you want the registered accounts option, you need to come in person for physical signature. Nothing else is acceptable.

Get to know more about WFCU & Omnia here:
https://www.highinterestsaving.....d-fees

@Peter ... Thanks

smayer97 on HISA Special March 2026

Sat, 11 Apr 2026 07:57:26 -0700

smayer97 said
So special eligibility for outside Ontario. Just limitations for physical signatures for some products, e.g. chequing account, registered account.

Start here for details about the offer: https://mywfcu.ca/personal/inv.....t-special/

See here for fine print: https://mywfcu.ca/FinePrint/

Call them for specifics.

*So -> No