Personal Accounts

Chequing Accounts | Savings Accounts  | USD Account


Essential Documents

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Chequing Accounts

We offer members personal chequing accounts with plans that are competitively priced and make managing your daily banking easier.

Our chequing accounts earn tiered interest based on the minimum daily balance. When you maintain a minimum monthly balance of $3,000, all transaction fees1 and the monthly access fee are waived.

Flex Plan

No monthly access fee! This pay-as-you-go option lets you pay for services as you use them (please refer to our Service Fees).

Generations Plan

No monthly access fee! This plan provides youth, student, and senior members the flexibility and convenience you need.

For members:
  • Age 12 to 17;
  • Age 18 to 25 enrolled in a post-secondary school;
  • Age 60 and over, including spouses on joint accounts when either spouse is age 60 or over.
Unlimited free services include:
  • Bill payments (MemberDirect Online and Phone banking and Kindred ATMs)
  • Cheque clearing
  • GLOBAL PAYMENT™ MasterCard® card transactions
  • Withdrawals (Kindred ATMs)
  • Personalized cheque orders
  • Pre-authorized debit transactions
  • Travellers’ cheques
15 free transactions per month including:
  • ATM withdrawals (ACCULINK®, Interac®, THE EXCHANGE®)
  • Interac point-of-sale purchase2,3
  • Over-the-counter bill payments

Value Plan

Monthly access fee $9.95. This plan includes any combination of 25 of the following services each month for a low monthly fee:2

  • ATM withdrawals (ACCULINK, Interac, THE EXCHANGE)3
  • Bill payments (MemberDirect Online and Phone banking and Kindred ATMs)
  • Cheque clearing
  • Global Payment MasterCard card transactions
  • Interac point-of-sale purchase2,3
  • Pre-authorized debit transactions

Unlimited Plan

Monthly access fee $15.95. This full-service plan offers unlimited access to the following services on your personal chequing account:

  • ATM withdrawals (ACCULINK, Interac,THE EXCHANGE, and Kindred)3
  • Bill payments (MemberDirect Online and Phone banking, Kindred ATMs, and in branch)
  • Cheque clearing
  • Global Payment card transactions
  • Interac point-of-sale purchase3
  • Pre-authorized debit transactions

Savings Accounts

Interest on all savings accounts is calculated daily and paid monthly.

CUBILL Savings

This tiered savings account earns interest based on your minimum daily balance. On balances between $10,000 and $49,999 interest is earned at the tiered rate on the entire amount. Balances of $50,000 and over earn a premium rate on the amount within the tier. 

Optimum Savings

This high interest savings account lets you have access to your money when you need it. Get ONE free debit (withdrawal, transfer, bill payment, or electronic debit) per month; additional debits are $5.00. No minimum deposit required. 

Plan 24 Savings

This interest-bearing savings account pays interest based on your minimum daily balance. You can make periodic withdrawals without losing interest income.

USD Account

This account offers tiered daily interest savings in USD. There is an option to write cheques in USD; a US$1.50 fee applies for each US cheque cleared with a minimum monthly fee of US$5.00.

1 Applies to month-end fees. Does not apply to immediate fees.
2 Service fees apply to each additional transaction not included in the plan.
3 Service fees apply to each additional transaction not included in the plan.
 

Online Banking

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