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Card Restrictions

• Cardholders are restricted to one Card per person, with up to two (2) additional Cards on the same account.
• Use of the Card in certain countries may be restricted by law.
• You do not have the right to stop the payment of any transaction you conduct with the Card.
• You may not add funds to the Card via wire transfer.
• Cash back transactions with your Card are not permitted.
• You may not use your Card to commit or facilitate illegal activity.
• We may, in our sole discretion, cancel or suspend any features or services of the Card at any time, with or without cause, with thirty (30) days’ notice to you or as otherwise required by Applicable Law.
• You also agree that the Card is for your use only, and that the Card will not be given to, or used by or on behalf of a third party.
• The Card is subject to maximum transaction limits, as set out below. Peoples Trust Company may change these limits in accordance with Applicable Law and will post notice on www.wefinancial.ca at least thirty (30) days in advance of the date such change is to come into effect. The change will take effect on the date indicated in the notice. Your continued use of the Card, after the change to the limits has come into effect, will be taken as your acceptance of that change

Please also note: The Card may be deactivated at any time if fraud, related to the Card or use of the Card, is suspected.

Fees: The table below sets out the fees that may be imposed upon the Card. You acknowledge being advised of the fees and agree to pay all fees charged under this Agreement.

1. We reserve the right to permit these limits for certain Cards, when and if we have determined that our conditions have been met. ↩︎
2. Subject to change. See terms and conditions below for details. ↩︎
3. Fee will be paid by the recipient of the transfer. ↩︎
4. Additional fees may be charged for use of ATMs by ATM operators, over which we have no control. ↩︎
5. One ATM withdrawal free per month for Cardholders receiving monthly PayDirect. ↩︎

Card expiry and access to funds: Your right to use the funds loaded on the Card does not expire. If funds remain on the Card after the expiry date, contact customer service for directions on how to receive a replacement Card. When your Card is within ninety (90) days of expiry, a new personalized replacement Card will be sent to you at your last address on our files or delivered to your local Post Office for pick up. The Balance will be automatically transferred to your new Card, which can be used once activated by calling 1-855-887-3946 or visiting www.wefinancial.ca.

Funds loaded onto the Card are not insured by the Canada Deposit Insurance Corporation (CDIC).

Lost or stolen Card or PIN: You must take all reasonable steps to protect the Card and/or PIN against loss, theft, or unauthorized use. You should not maintain a written record of, or disclose the PIN to a third party, including family members and friends. If you lose the Card and/or PIN or you become aware that the PIN may have become known to someone else, you must IMMEDIATELY suspend your Card in the mobile application and call customer service at 1-855-887-3946. Avoid PIN combinations that may be easily guessed by others. All transactions carried out on the Card before you notify We Financial will be considered to have been made by you.

If you forget the PIN, you can reset your PIN by calling customer service at 1-855-887-3946 or visiting www.wefinancial.ca. The PIN may be disabled if an incorrect PIN is entered three (3) times. If the PIN is disabled, please call customer service for assistance. If the PIN is disabled, or if a merchant does not accept chip and PIN transactions, you will be required to sign for any transactions at merchants, if this is supported by and acceptable to the merchant. We reserve the right to investigate the validity of any claim, including asking for verification of your identity. We may also require you to provide a written claim signed under oath. You will be charged a Card Replacement fee described in the Fees Table. It may take up to 30 days to process your request.

Additional Cardholders: You can ask We Financial to issue additional Personalized Cards in the name of the person(s) you identify. You will be charged a fee for each additional card as set out in the Fee Table, which will be deducted from your Card Balance. We may ask for information about the person to whom you want We Financial to issue an additional Personalized Card for security and compliance purposes and reserve the right to not approve your request for an additional Personalized Card. Up to three (3) Personalized Cards may be linked to the same account. All additional Personalized Cards will share the same Card Balance. Any value loaded to any linked Personalized Card may be accessed by any other linked Personalized Cards. Card Balance and activity information can be viewed by all linked Cardholders. All additional Personalized Cards and Cardholders are governed by this Agreement, and all reloads and transactions on additional Personalized Cards will be considered together for purposes of the transaction and reload limits. All persons to whom we issue additional Personalized Cards are responsible jointly and severally for all obligations under the Agreement for all Cards issued and will be jointly and severally liable for any and all fees, losses or negative balances. We will only honour instructions from the primary Cardholder (the original applicant) and any notices regarding additional Personalized Cards given to the primary Cardholder shall be considered to be notice to all Cardholders.

Split tender transactions: If the Balance on the Card is not sufficient to cover the full Transaction Amount, you may ask the merchant if they will accept a split tender transaction. A split tender transaction allows you to use the remaining Balance on the Card to pay for part of the Transaction Amount and cover the difference with another form of payment (e.g. cash, cheque, credit, or debit). Some merchants may require cash payment to cover the difference. If you fail to inform the merchant that you would like to complete a split tender transaction prior to using the Card, your Card may be declined. Merchants do not have to and may not agree to accept split tender transactions.

Personal Information: By applying for the Card, you consent to the collection, use, disclosure and retention of your personal information by Peoples Trust Company and its service providers as described below. The collection of that information is necessary for the entering into and performance of this Agreement. Therefore, if you do not consent to the collection, use, disclosure and retention of your personal information, you may not apply for or use a Card.