{"id":3265,"date":"2019-04-24T14:47:44","date_gmt":"2019-04-24T18:47:44","guid":{"rendered":"http:\/\/caissealliance.absoludev.ca\/?page_id=3265"},"modified":"2021-05-05T13:36:34","modified_gmt":"2021-05-05T17:36:34","slug":"why-choose-a-caisse-over-a-bank","status":"publish","type":"page","link":"https:\/\/www.caissealliance.com\/en\/my-caisse\/who-we-are\/why-choose-a-caisse-over-a-bank\/","title":{"rendered":"Why choose a caisse rather than a bank?"},"content":{"rendered":"

Why choose a caisse rather than a bank?<\/h1>\n

Caisse or bank, is there really a difference?<\/h2>\n

Cash registers and banks are the two main types of financial institutions that provide retail banking services.<\/span><\/p>\n

It is basically the cooperative model that distinguishes a caisse from a bank. While a bank is owned and administered by a few shareholders, a caisse belongs to its members.<\/span><\/p>\n

As a member of a caisse, you can participate in its management and receive a portion of its financial surpluses in the form of <\/span>dividends<\/span><\/a>\u00a0when the results allow it.<\/span><\/p>\n\n\n\n\n\n\n\n\n\n
<\/th>\nCaisse<\/strong><\/th>\nBank<\/strong><\/th>\n<\/tr>\n
Its nature<\/b><\/td>\nFinancial Services Cooperative<\/span><\/td>\nPrivate institution<\/span><\/td>\n<\/tr>\n
Its owners<\/b><\/td>\nMembers of the Caisse<\/span><\/td>\nSome shareholders<\/span><\/td>\n<\/tr>\n
Its objective<\/b><\/td>\nThe economic and social well-being of all its members and the economic development of its community, for example by<\/span>:<\/p>\n
    \n
  • sponsoring an event<\/span><\/li>\n
  • donating money to a community organization<\/span><\/li>\n
  • awarding scholarships<\/span><\/li>\n<\/ul>\n<\/td>\n
Enriching its shareholders<\/span><\/td>\n<\/tr>\n
Its management<\/b><\/td>\nEach caisse populaire is administered by community leaders who are elected by the members<\/span><\/td>\nThe bank is managed by the head office, which is often located outside the city of its clients<\/span><\/td>\n<\/tr>\n
Participation in the Annual General Meeting and Vote<\/b><\/td>\n\n

All members may participate in the annual general meeting of their credit union, vote and nominate themselves for election as officers.<\/span><\/p>\n

One member = one vote<\/span><\/td>\n

\n

Only shareholders attend the bank’s annual general meeting<\/span><\/p>\n

One share = one vote<\/span><\/td>\n<\/tr>\n

Distribution of surplus cash<\/b><\/td>\nReturns a portion of its surplus earnings to members and the community in the form of <\/span>dividends<\/span><\/a>, when the results allow it<\/span><\/td>\nDistributes a portion of its profits to a small group of shareholders in the form of <\/span>dividends<\/span><\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Cash registers and banks are the two main types of financial institutions that provide retail banking services. It is basically the cooperative model that distinguishes a caisse from a bank. While a bank is owned and administered by a few shareholders, a caisse belongs to its members. As a member of a caisse, you can […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":3197,"menu_order":6,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-3265","page","type-page","status-publish","hentry","section-ma-caisse-en"],"acf":[],"yoast_head":"\nWhy choose a caisse rather than a bank? | Caisse Alliance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.caissealliance.com\/en\/my-caisse\/who-we-are\/why-choose-a-caisse-over-a-bank\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why choose a caisse rather than a bank? | Caisse Alliance\" \/>\n<meta property=\"og:description\" content=\"Cash registers and banks are the two main types of financial institutions that provide retail banking services. 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