Manitoba Credit Union Routing Number

Credit Union Central of Manitoba is the trade association for Manitoba’s 41 credit unions, providing services in areas of capital and financial management, banking services, product and service research and development, consulting and representation and advocacy.

Credit Union Central of Manitoba

  1. The Credit Unions and Caisses Populaires Act requires that all provincial credit unions belong to Credit Union Central of Manitoba.
  2. Manitoba credit unions jointly own Central; representatives from nine provincial districts sit on its board of directors.
  3. Credit Union Central of Manitoba is financed through fees and income derived through its operations and levies based on individual credit unions’ assets and/or membership.
  4. Through Central, Manitoba credit unions share cheque clearing, data processing, investments and loans, training and education, marketing and research, government liaison. They also call upon Central’s consulting services in areas such as technology, business development, and agricultural and business lending.
  5. Provincial Centrals in every province collectively own and control Credit Union Central of Canada, located in Mississauga, Ontario, which performs, at the federal level, similar functions as provincial Centrals.

Bank Routing Number Search

Name of the Bank and City e.g. CREDIT UNION CENTRAL OF MANITOBA in Toronto

Altona Amaranth Angusville Arborg
Ashern Austin Baldur Beausejour
Binscarth Birtle Boissevain Brandon
Carberry Carman Cartwright Cypress River
Dauphin Deloraine Dominion City Dugald
East St. Paul Emerson Erickson Eriksdale
Ethelbert Fisher Branch Flin Flon Foxwarren
Gilbert Plains Gillam Gimli Gladstone
Glenboro Glenella Grandview Gretna
Grunthal Hamiota Hartney Headingley
Holland Inglis Inwood Kenton
Killarney La Riviere La Salle Lac du Bonnet
Landmark Laurier Lowe Farm MacGregor
Manitou Mariapolis Mc Auley Melita
Miami Miniota Minnedosa Moosehorn
Morden Morris Neepawa Newdale
Ninette Niverville Oak Bluff Oak Lake
Oak River Oakbank Oakburn Oakville
Onanole Pilot Mound Pinawa Pine Falls
Plum Coulee Plumas Portage la Prairie Reston
Rivers Riverton Roblin Rorketon
Rosenort Rossburn Russell Sandy Lake
Sanford Selkirk Shilo Shoal Lake
Souris Sprague St Lazare Starbuck
Ste Rose du Lac Steinbach Stonewall Strathclair
Swan Lake Swan River Teulon The Pas
Thompson Treherne Virden Vita
Warren Waskada Whitemouth Winkler
Winnipeg Winnipeg Beach Winnipegosis

E-Money in Canada

Advances in technology enable a number of innovations that change the way Canadians pay for goods and services. Some products, for example the debit card, offer a way to access funds in a bank deposit account and can be thought of as electronic payments, or e-payments. Other innovations offer a way to directly store monetary value in an electronic device or in a communications network. We call those electronic money, or e-money for short.

What is E-Money?
E-money is a digital alternative to cash.

It is monetary value that is stored and transferred electronically through a variety of means – a mobile phone, tablet, contactless card (or smart card), computer hard drive or servers.

E-money is usually issued by an institution upon receipt of funds and is given a value in a national currency, such as the Canadian dollar.

Examples of e-money include prepaid payment cards that use payment networks such as Visa or MasterCard, or account balances kept at online service providers such as PayPal. Both can be used for a range of purchases in different establishments.

Another type of e-money is decentralized, without an issuer and not denominated in national currencies. The most well-known example is the Bitcoin, a digital currency that is used for transactions directly between users through a computer network.

Why do People Use E-Money?
People like e-money because it acts like cash: it can be as fast, convenient and confidential. E-money meets the needs of consumers buying over the Internet who want to keep their personal and financial information private.

In person, people may prefer e-money over having to carry and count bills and coins. Merchants using e-money may save the cost of providing change and processing cash.

Technological progress also helps stimulate innovations. For example, the widespread adoption of the Internet and mobile devices allows for the creation of e-money products that do not require consumers and merchants to purchase card readers, terminals or other payment infrastructure.

Source: Bank of Canada

Meridian Credit Union Routing Number

Meridian is Ontario’s largest credit union. It was formed April 1, 2005, following the merger of Niagara Credit Union and HEPCOE Credit Union. Meridian is the fourth largest credit union in Canada, and the largest credit union in Ontario, serving more than 250,000 members with total assets under administration of $9.2 billion. Meridian offers a full range of banking, wealth management, credit products and services through 64 branches, and seven Commercial Business Centres. It has more than 1,200 employees in its 65 branches, 7 Commercial Business Centres and corporate offices.

Bank Routing Number Search

Name of the Bank and City e.g. MERIDIAN CREDIT UNION in Toronto

Ancaster Aurora Aylmer Barrie
Beamsville Brantford Collingwood Courtice
Fergus Fonthill Fort Erie Grimsby
Guelph Hamilton Hanover Kincardine
London Mississauga Nanticoke Newmarket
Niagara Falls North York Orangeville Orillia
Ottawa Owen Sound Pembroke Penetanguishene
Pickering Port Colborne Port Elgin Richmond Hill
Scarborough Seaforth St Catharines St Marys
Stevensville Stoney Creek Toronto Vineland
Virgil Wainfleet Walkerton Welland
Whitby Windsor Woodstock

SASKATCHEWAN Credit Union Routing Number

Credit Union Central of Saskatchewan was founded in 1938 and is based in Regina, Canada. Credit Union Central of Saskatchewan, a financial co-operative, provides research, development support, consulting, and financial liquidity management services to credit unions in Canada. It offers market solutions, including strategic human capital management, organization effectiveness, executive search and retention strategies, employee and labour relations, total compensation, market research, sales and service culture, lending and deposit products and support, and compliance training, as well as organization learning, development, and training; promotional items, stationery products, and marketing materials; and business support services, such as enterprise risk management, board governance, strategic and operational planning, business process improvement, relief management, and internal audit. The company also provides strategic investment and liquidity management services, which include management of credit union statutory liquidity, clearing and settlement services, and investments in partner organizations.

Bank Routing Number Search

Name of the Bank and City e.g. Credit Union Central of SASKATCHEWAN in Calgary

Cabri Calgary Carnduff Elfros
Emerald Park Estevan Frontier Gravelbourg
Gull Lake Hodgeville Humboldt Indian Head
Kamsack Kelvington Kindersley Lancer
Langham Leader Lloydminster Maidstone
Meadow Lake Melfort Middle Lake Moose Jaw
Moosomin North Battleford Prince Albert Redvers
Regina Rosetown Saskatoon Shaunavon
Swift Current Unity Wakaw Watrous
Wynyard Yorkton

Canada Deposit Insurance Corporation (CDIC)

The Canada Deposit Insurance Corporation (CDIC) is a federal Crown corporation created in 1967 to protect the money you deposit in member financial institutions in case of their failure.

CDIC’s members are banks, trust companies, loan companies and cooperative credit associations that take deposits. The complete list of members can be found out at the CDIC website.


  • CDIC insures eligible deposits you make with our members. Insurable deposits include: savings accounts and chequing accounts;
  • term deposits, such as guaranteed investment certificates (GICs) and debentures issued by loan companies;
  • money orders, travellers’ cheques and bank drafts issued by CDIC members and cheques certified by CDIC members; and
  • accounts that hold funds to pay realty taxes on mortgaged properties.

To be eligible for deposit insurance protection, your deposit must be payable in Canada, in Canadian currency. Term deposits must be repayable no later than five years after the date of deposit.

Please note that Not all deposits and investments offered by our members are insurable. For example, CDIC does not insure:

  • foreign currency deposits (e.g., accounts in U.S. dollars);
  • term deposits with a maturity date of more than five years from the date of deposit;
  • debentures issued by banks, trust companies or cooperative credit associations;
  • bonds or debentures issued by governments and corporations;
  • Treasury bills; and
  • investments in mortgages, stocks or mutual funds.


Basic Protection
The maximum basic protection for eligible deposits is $100,000 (principal and interest combined) per depositor in each CDIC member institution. Deposits are not insured separately if made at different branch offices of a member.

Separate Protection
CDIC insures eligible deposits separately in each of the following cases:

  • savings held in one name;
  • savings held in more than one name (joint deposits);
  • savings held in trust for another person;
  • savings held in registered retirement savings plans (RRSPs);
  • savings held in registered retirement income funds (RRIFs);
  • savings held in tax-free savings accounts (TFSAs); and
  • savings held for paying realty taxes on mortgaged properties.

You are responsible for ensuring that the member institution’s records include all information required for the separate protection of these deposits (see following sections for details).

Joint Deposits
Deposits you own jointly with someone else are insured separately from deposits in your own name, provided that the records of the member institution:

  • indicate the deposits are owned jointly; and
  • include the name and address of each joint owner.

The maximum insurance for all deposits having the same joint owners at each member institution is $100,000 (collectively, not per individual owner).

Trust Deposits
Deposits held in trust are insured separately from deposits owned personally by the trustee or the beneficiary(ies) provided that the records of the member institution:

  • state that the deposit is held in trust;
  • identify the name and address of the trustee(s); and
  • identify the name(s) and address(es) of the beneficiary(ies).

If a trust deposit is held for more than one beneficiary, the dollar amount or percentage owned by each beneficiary must be identified on the CDIC member’s records each year as of April 30. Each beneficiary’s share then is insured up to $100,000.

For more information on CDIC, please visit CDIC’s Website.

Royal Trust Corporation of Canada Routing Transit Number

Royal Trust Corporation of Canada (“RT”) is wholly owned subsidiary of Royal Bank of Canada (RBC) which serves investors as trustee and custodians. RT ranks first in Canada in terms of assets under administration, with over $1.4 trillion. RT of Canada is 10th largest custodian in the world. Royal Trust Corporation of Canada’s Institution Number (or bank number) is 058. You can search routing number for this bank in your city below. Just click on the below links or type in your city after the bank name.

Bank Routing Number Search

Name of the Bank and City e.g. Royal Trust Corporation of Canada in Toronto

Barrie Belleville Brampton Brantford
Burlington Burnaby Calgary Cambridge
Charlottetown Chatham Coquitlam Dartmouth
Delta Downsview Edmonton Etobicoke
Forest Fredericton Guelph Halifax
Hamilton Kamloops Kanata Kelowna
Kingston Kitchener Leamington Lethbridge
London Medicine Hat Mississauga Moncton
Nanaimo Nepean Newmarket Niagara Falls
North Vancouver Oakville Orleans Oshawa
Ottawa Peterborough Petrolia Pickering
Red Deer Regina Saint John Sarnia
Saskatoon Sault Ste Marie Scarborough St Albert
St Catharines St Thomas St. John’s Strathroy
Thornhill Thunder Bay Toronto Tsawwassen
Unionville Vancouver Victoria Waterloo
West Vancouver White Rock Willowdale Windsor
Winnipeg Woodstock

National Trust Company Routing Number

The National Trust Company was incorporated on August 12, 1898 under the name of The National Trust Company of Ontario Limited. With the opening of an office in Montreal during 1899, the name is changed to The National Trust Company, Limited. By 1984, when National Trust amalgamated with The Victoria & Grey Trust Company, the company once again changed its name, this time to The National Victoria & Grey Trust Company. However, because the name was deemed too cumbersome, it is subsequently changed to the National Trust Company on June 03, 1985. On August 14, 1997 Scotiabank purchased the National Trust Company. National Trust Company’s Institution Number (or bank number) is 059. You can search routing number for this bank in your city below. Just click on the below links or type in your city after the bank name.

Bank Routing Number Search

Name of the Bank and City e.g. National Trust Company in Ontario

Ajax Alliston Ancaster Anjou
Arnprior Aylmer Barrie Belleville
Bowmanville Bracebridge Brampton Brantford
Brockville Brossard Burlington Burnaby
Calgary Camrose Cannington Chatham
Cobourg Collingwood Cornwall Downsview
Edmonton Etobicoke Exeter Goderich
Guelph Halifax Hamilton Hanover
Hull Huntsville Islington Kamloops
Kanata Kelowna Kincardine Kingston
Kirkland Kitchener Langley Laval
Leamington Lethbridge Lindsay Listowel
London Markdale Markham Meaford
Midland Milton Mississauga Mitchell
Montreal Mount Forest Mount-Royal Napanee
Newmarket North Bay North York Oakville
Orangeville Orillia Orleans Oshawa
Ottawa Owen Sound Palmerston Pembroke
Perth Peterborough Pickering Picton
Port Coquitlam Port Credit Port Elgin Quebec
Red Deer Regina Renfrew Richmond
Richmond Hill Sarnia Saskatoon Scarborough
Simcoe Smiths Falls St Catharines St Marys
Stoney Creek Stratford Sudbury Surrey
Tavistock Thornhill Thorold Tillsonburg
Toronto Trenton Vancouver Victoria
Wallaceburg Waterloo Weston Whitby
Willowdale Windsor Wingham Winnipeg

Laurentian Bank of Canada Routing Number

The Laurentian Bank of Canada (LBC) (French: Banque Laurentienne du Canada) is a Schedule I bank in the province of Quebec. (It also has one branch in Ottawa, Ontario). LBC’s Institution Number (or bank number) is 039. You can search routing number for the Laurentian Bank of Canada in your city below. Just click on the below links or type in your city after the bank name.

Bank Routing Number Search

Name of the Bank and City e.g. Laurentian Bank of Canada in Quebec

Alma Anjou Baie-Comeau Blainville
Brossard Calgary Chicoutimi Dollard-Des-Ormeaux
Drummondville Fort-Coulonge Gatineau Granby
Grand-Mere Greenfield Park Hull Ile-Perrot
Jonquiere Kitchener Lachine Lachute
Lasalle Laval Longueuil Montreal
Montreal-nord New Richmond Ottawa Quebec
Repentigny Rimouski Roberval Rosemere
Rouyn-Noranda Saint-Bruno Saint-Hubert Saint-Laurent
Saint-Leonard Sainte-Foy Sherbrooke St-Jean-sur-Richelieu
Surrey Terrebonne Toronto Tracy
Trois-Rivieres Val-d’Or Vancouver Verdun
Victoriaville Winnipeg

HSBC Canada Routing Number

HSBC Bank Canada, formerly the Hongkong Bank of Canada, is a bank in Canada that is part of British banking giant HSBC – one of the largest banking groups in the world. HSBC Canada is the seventh largest bank in Canada, with offices in every province except Prince Edward Island, and is the largest foreign-owned bank in the country. Corporate headquarters are in the financial district of Vancouver, BC. HSBC Bank Canada’s Institution Number (or bank number) is 016. You can search routing number for the HSBC Canada below.

Bank Routing Number Search

Name of the Bank and City e.g. Bank of Montreal in Vancouver

Abbotsford Aurora Barrie Boucherville
Brampton Brossard Burlington Burnaby
Calgary Campbell River Chicoutimi Chilliwack
Clearbrook Coquitlam Cranbrook Delta
Edmonton Etobicoke Fredericton Granby
Halifax Hamilton Kamloops Kanata
Kelowna Kingston Langley Laval
Lethbridge London Maple Ridge Markham
Medicine Hat Milton Mississauga Montreal
Nanaimo New Westminster North Vancouver Oakville
Oshawa Ottawa Penticton Pointe-Claire
Port Coquitlam Prince George Red Deer Regina
Richmond Richmond Hill Saint John Saint-Leonard
Sainte-Foy Saskatoon Sault Ste Marie Scarborough
Sherbrooke St Albert St Catharines St. John’s
Surrey Thunder Bay Timmins Toronto
Trois-Rivieres Unionville Vancouver Vaughan
Vernon Victoria Waterloo West Vancouver
Westbank White Rock Willowdale Windsor
Winnipeg Woodbridge

Department of Finance Canada

Department of Finance Canada also sometimes referred as “Finance Canada” operates under the Minister of Finance. Its purpose is to ensure a healthy Canadian economy by developing polices of sound economic management and providing expert advice to the government.

The Department of Finance Canada is established under section 14 of the Financial Administration Act. Under section 15 of the Act, The Minister of Finance “has the management and direction of the Department, the management of the Consolidated Revenue Fund and the supervision, control and direction of all matters relating to the financial affairs of Canada not by law assigned to the Treasury Board or to any other minister.”

The department is headquartered in the Esplanade Laurier building in downtown Ottawa at the corner of O’Connor and Laurier.

The Department’s responsibilities include the following:

  • Preparing the federal Budget and the Update of Economic and Fiscal Projections
  • Preparing the Annual Financial Report of the Government of Canada and, in cooperation with the Treasury Board of Canada Secretariat and the Receiver General for Canada, the Public Accounts of Canada
  • Developing tax and tariff policy and legislation
  • Managing federal borrowing on financial markets
  • Designing and administering major transfers of federal funds to the provinces and territories
  • Developing financial sector policy and legislation
  • Representing Canada in various international financial institutions and groups.

The department is divided into several branches:

  • Economic and Fiscal Policy Branch
  • Economic Development and Corporate Finance Branch
  • Federal-Provincial Relations and Social Policy Branch
  • Financial Sector Policy Branch
  • International Trade and Finance Branch
  • Tax Policy Branch
  • Law Branch
  • Corporate Services Branch
  • Consultations and Communications Branch

Acts and legislations under the Department:

  • Income Tax Act
  • Federal-Provincial Fiscal Arrangements Act
  • Customs Act
  • Customs Tariff Act
  • Excise Act
  • Excise Tax Act
  • Proceeds of Crime (Money Laundering) Act
  • Income Tax Conventions Implementation Act
  • Payment Clearing and Settlement Act
  • Financial Administration Act
  • Special Import Measures Act