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First ontario credit union routinely rips-off it's "members" each and every time it receives a wire transfer. It's "policy" is to receive funds from other banks within 24 hours and then waits 5 to 7 business days, not calendar days, business days to actually post your money to your account. They use your money for 1 to 1.5 weeks before they allow you to use it. Of course, they pay you nothing... more