Your guide to Beem’s banking system merge and digital banking transition
From June 20 to 23, our former founding credit union banking systems will merge into a unified Beem banking system. During this period, your ability to bank will be significantly affected.
After the banking system merge, you will transition to Beem’s digital banking platform – accessible on mobile phone, desktop, or laptop computer.
This guide will help you navigate these changes with ease.
On this journey together
We understand change can be challenging, but our team is here to support you every step of the way. This transition marks an exciting new chapter in our commitment to providing you with a reimagined banking experience that allows you to bank on your terms.
Rest assured that banking in-branch, at ATMs, and over the phone will not be affected post transition. You’ll be able to continue banking with us anywhere and any way you like.
Digital Banking FAQs
Before June 20
Have questions about how you can prepare before June 20? Our Frequently Answered Questions are your first place for answers.
Digital Banking Guide
Before June 20
This guide will help you navigate the transition to Beem’s new online banking platform and mobile app with ease.
Banking Merge Checklist
June 20-23
Be aware of the upcoming impacts to your online banking, mobile app banking, and telephone banking experiences.
Before June 20
Getting ready for the transition
On June 23
Your step-by-step guide to transition day
After your first login
Additional steps for linked accounts
Your guide to Beem’s banking system merge
From June 20 to 23, our former founding credit union banking systems will merge into a unified Beem banking system. During this period, your ability to bank will be significantly affected. We have prepared a summary of changes you need to be aware of. In some cases, you will need to take action, and in others, you will simply need to be aware.
Before banking system merge weekend
(June 20–23, 2025)
On banking system merge weekend
(June 20–23, 2025)
After banking system merge weekend
(After June 23, 2025)
Before banking system merge weekend (Starting June 16, 2025)
🔴High impact - Pay close attention
What's changing?
Impact
Action needed
Details
Outgoing e-Transfers disabled
June 16–23
Outgoing e-Transfers are not expected to be processed from 3:00 pm, June 16 until 7:00 am, June 23.
Maybe
If you need to send an e-Transfer during the date of impact, make alternate plans or wait.
Service resumes 7:00 am, June 23.
Incoming e-Transfers disabled
June 18–23
Incoming e-Transfers are not expected to be processed from 3:00 pm, June 18 until 7:00 am, June 23.
Maybe
If expecting an incoming e-Transfer during the date of impact, make alternate plans or wait.
Service resumes 7:00 am, June 23.
Cancelling e-Transfers disabled
June 18–23
You will be unable to cancel e-Transfers from 3:00 pm, June 18 until 7:00 am, June 23.
Maybe
Cancel any urgent e-Transfers before June 18.
Service resumes 7:00 am, June 23.
Pending outgoing e-Transfers cancelled
June 19
All pending outgoing e-Transfers will be cancelled the morning of June 19.
Maybe
Resend any cancelled e-Transfers after June 23.
Any pending e-Transfers that were cancelled will be refunded and credited to your account by June 20.
Autodeposit registration deleted
June 19
Your autodeposit registration will be deleted on June 19.
Maybe
You can re-register for autodeposit starting June 23.
Autodeposits can be re-registered once Beem digital Banking is live.
ATM withdrawal and debit card purchase limits changing
June 2
ATM withdrawal and debit card purchase limits will change.
Maybe
If you rely on large ATM withdrawals and/or debit card purchases, prepare accordingly.
Credit card purchase limits are unaffected.
Interruptions to business online banking transactions
June 20
Business members must ensure there are no unapproved business transactions in online banking. These will not be processed post-merger.
Maybe
Approve or delete unapproved business transactions before June 20.
If any business transactions are outstanding after this date, you can recreate them starting June 23.
AFT (Automated Fund Transfer) file cutoff for business members and new website URL
June 18
Business members who use AFT will need to set up/release files to ensure there are no service interruptions.
Maybe
If you use AFT, ensure all pending files are processed before 12:00pm, June 18 to guarantee processing.
After June 23, you will be able to access AFT through a new website URL. If you are impacted, a member of our team will reach out with more information.
🟢Low impact - Be aware
What's changing?
Impact
Action needed
Details
Safe‑Deposit‑Box fee adjustment
February 1, 2025
The annual fee for Size 75 boxes increasing from $70 → $75.
No
Applies only to Size 75 boxes
ATM cash or cheque deposit holds decreasing
June 2
ATM hold times for deposits will be changing to 24 hours.
No
This change affects deposit hold times digitally and at ATMs.
Foreign ATM Fees
June 2
You will see an ATM Foreign Transaction Fee immediately after processing a transaction at a foreign ATM.
No
Currently these fees are posted with your monthly transaction fees.
On banking system merge weekend (June 20-23, 2025)
🔴High impact - Pay close attention
What's changing?
Impact
Action needed
Details
Digital banking & mobile apps temporarily offline
June 20-23
No digital banking access from 4:00 pm, June 20 until 7:00 am, June 23.
Maybe
Plan around the outage.
Starting June 23, former North Peace Savings digital/mobile banking access will be replaced with Beem digital banking. Your new digital home beemcreditunion.ca will now be available.
🔴Medium impact – Be aware
What's changing?
Impact
Action needed
Details
Bill Payments processing paused
June 20-23
You will be unable to process new bill payments from 4:00 pm, June 20 until 7:00 am, June 23.
June 21–22
Scheduled bill payments for June 21 will not be processed until the evening of June 22.
Maybe
Pay any urgent bills before June 20.
Check recurring/scheduled payments on June 23.
Payments queued for June 21 will process the evening of June 22. Keep your due dates in mind.
Pre-Authorized Transactions delayed
June 21-22
Pre-Authorized Transactions scheduled for June 21 will not be processed until the evening of June 22.
Maybe
Ensure you process Pre-Authorized Transaction(s) sooner if needed.
If you need to process a Pre-Authorized Transaction sooner, ensure it is done before June 20.
ATMs and Debit Card service limitations
June 20-23
ATM withdrawal and debit purchases will have service limitations from the evening of June 20 until June 23.
Maybe
Plan your cash/large purchases in advance. Withdraw extra funds if needed.
Normal ATM and Debit Card service resumes June 23.
🟢Low impact - Be aware
What's changing?
Impact
Action needed
Details
Branch and Member Contact Centre hours
No change to branch or Member Contact Centre hours on June 20 or June 21.
No
Branches normally open on Saturdays will follow regular business hours.
Member Contact Centre extended hours
Extended hours will be available to help members during banking system merge.
No
Sunday, June 22: 10:00am–4:00pm
Monday, June 23: 7:00am–9:30pm
After banking system merge weekend (After June 23, 2025)
🔴High impact – Pay close attention
What's changing?
Impact
Action needed
Details
Draws between demand accounts process immediately
After June 23
Draw transactions will process immediately rather than at the end of day.
No
Draws now appear instantly in account history.
e-Transfer recipients and history lost
After June 23
You will lose your e-Transfer recipients, sender profile and historical e-Transfer details.
Maybe
If you use e-Transfer, take note of your details now.
Past e-Transfers that you’ve sent will still be shown in your account history.
Membership integration for multiple credit union members
After June 23
If you also have a former Interior Savings and/or Gulf & Fraser membership, your memberships will be combined.
No
If you are impacted, a member of our team will reach out with further information.
Business member online banking delegates and consolidated memberships removed
After June 23
Business delegates and consolidated memberships will be removed during the banking system merge.
Maybe
If you have business delegates and/or consolidated memberships, they will have to be recreated.
Additional information is located within the Beem digital banking transition portion of this guide.
Some former North Peace Savings MemberCard numbers will be changing
After June 23
Some North Peace Savings MemberCard numbers will gain leading digits post banking system merge.
No
If you are impacted, you will receive a communication with your new member number. You will need your new member number to login to Beem digital banking.
Your MemberCard will continue to work and your PINs stay the same.
Two-Signature Accounts
After June 23
Personal members with 2-signature accounts can view them in digital banking but cannot process debit transactions.
Maybe
Only if you need to transact from these accounts.
You’ll see your 2-signature accounts in online/app banking. However, debit transactions (bill payments, e-Transfers, etc.) from these accounts will require in-branch or alternate processing after the banking system merge.
🔴Medium impact – Pay close attention
What's changing?
Impact
Action needed
Details
Alerts removed
After June 23
You will need to add new alerts in Beem digital banking.
Maybe
Recreate alerts after first login.
Set your alert preferences after first login.
SMS/Text banking discontinued
After June 23
SMS/Text banking capabilities will no longer be supported after the banking system merge.
Maybe
If you rely on SMS/Text banking, make alternate banking arrangements.
If you need help with alternate banking arrangements, call the Member Contact Centre or visit your local branch.
Third-party accounting software programs disabled
After June 23
Linking your online banking within Mint, QuickBooks, Intuit and other third parties will stop working.
Maybe
If you rely on third-party accounting software, use imported files from Beem digital banking in your third-party software.
While access is lost, you will still be able to download reports in applicable formats for any third-party software.
Small business invoicing removed
After June 23
Small business members will lose access to the invoicing tool in online banking.
Maybe
If needed, switch to an external invoicing solution.
Beem digital banking will not support small business invoicing capabilities.
Minor changes to account names
After June 23
You may notice slight changes in your account names in your online banking, statements and ATMs.
No
If you had a custom nickname for an account, it will remain in place.
New account numbers
After June 23
Your account numbers will change.
No
Cheques and automatic deposits/withdrawals will continue to work, even with your old account number. No action is required.
Registered-plan trustee and contract numbers change
After June 23
New Beem contract number will appear on tax slips.
No
Applies to Registered Retirement Savings Plans (RRSP)
Tax Free Savings Accounts (TFSA)
Retirement Income Funds (RIF)
Life Income Funds (LIF)
Locked-in Retirement Accounts (LIRA)
🟢Low impact - Be aware
What's changing?
Impact
Action needed
Details
Registered variable-savings interest now monthly
After June 23
Interest will be paid monthly instead of semiannually.
No
Applies to former North Peace Savings registered variable savings accounts.
Transaction history affected in digital banking
After June 23
You will have limited access to review historical transactions online.
No
Available history:
Chequing/Demand savings accounts will have 1 year of history available to review.
Registered savings/plans will have 2024/2025 history available to review.
Mobile Wallet registration (Apple Pay, Google Pay, Samsung Pay)
After June 23
MemberCards will need to be re-registered for Mobile Wallets 30 days after June 23.
Maybe
If you use Mobile Wallet, you can re-register starting July 23.
You can register your existing MemberCard for Apple Pay, Google Pay or Samsung Pay starting July 23.
Note that if you re-register for Mobile Wallet, your digital MemberCard will reflect Beem branding.
Phone-banking enrollment available
After June 23
You can sign up for TeleTouch phone banking.
Maybe
Visit your local branch or call the Member Contact Centre to enroll.
Kelowna area, call: 250-862-4728
All other locations, call: 1-877-861-4728
Statement changes
June 2025
You will begin receiving one end of month Beem‑branded statement. You will see changes to the format and information within the statement.
No
Your June statements arrive in two parts: North Peace Savings-branded (June 1–20) and Beem-branded (June 21–30).
Service Charge display
After June 23
Account fees will be consolidated into 1 month-end service charge.
No
On your monthly statements, any additional transactions above your account limit will be included within your monthly service charge fee.
Membership Shares
After June 23
Membership Shares will be renamed to Member Shares.
No
You will see these changes within your statements and online banking.
Term Deposits
After June 23
Certain former North Peace Savings Term Deposit products will be converting to a savings account.
No
If you are affected, a member of our team will contact you with more information.
Member Contact Centre extended hours
June 23–July 18
Extended hours will be available to help members during digital banking transition.
No
June 23 to June 27: 7:00am–9:30pm
Sundays, June 29 & July 6: 10:00am–4:00pm
June 30 to July 4: 7:00am–9:30pm
July 7 to July 11: 7:00am–8:30pm
July 14 to July 18: 7:00am–8:30pm Saturdays follow regular business hours
Effective June 23, 2025, your mortgage-secured overdraft protection will be converted to a Home Equity Line of Credit (HELOC) as part of our banking system merge. Click here for more information.
Business account & USD account changes
On June 2, 2025, we’re introducing a refreshed lineup of business banking and USD accounts designed to better support your operations.
What's improving?
✓ Lower monthly fees
✓ Flexible transaction options
✓ Improved digital access
Select service fees are also changing effective June 2, 2025. Click here to learn more.