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Chequing Accounts

We offer all the features you’d expect, including values-centred banking!

Our personal chequing accounts make your day-to-day spending easy and convenient. Plus, when you maintain a minimum monthly balance of $3,000, we’ll waive your transaction fees* and the monthly service fee! Check out the options below to find the plan that works for you.


This pay-as-you-go option lets you pay for services as you need them, with no monthly service fee! Flex Plan is best for those with low account activity.

Monthly fee: No fee

Earns tiered interest

Transactions per month: Pay per transaction.

E-transfers: Pay per transfer.

This plan lets you use any combination of 25 free transactions for a low monthly fee. Value Plan is best for those with moderate account activity.

Monthly fee: $11.45

Earns tiered interest

Transactions per month (including e-transfers): 25 free, then pay per transaction.

This plan gives you unlimited transactions for a low monthly fee. Unlimited Plan is best for those with high account activity. 

Monthly fee: $17.95

Earns tiered interest

Transactions per month: Unlimited transactions.

E-transfers: Unlimited e-transfers.

If you are a youth, student, senior, RDSP beneficiary, or if you qualify for, or currently receive, income support payments**, this plan could provide you with flexible and convenient banking with no monthly access fee! If you are experiencing temporary financial distress and aren’t receiving income support, let’s meet and discuss your eligibility for the Generations Plan. This plan is best for members with moderate account activity.

Monthly fee: No fee

Earns tiered interest

Transactions per month (including e-transfers): 25 free, then pay per transaction.

Refugees are eligible for this free chequing account for one year. Refugee Settlement Account is best for eligible members who would benefit from assistance in setting up banking services in Canada.

Monthly fee: No fee

Earns tiered interest

Transactions per month (including e-transfers): Unlimited transactions.

Extras: Membership shares of $25 covered. Plus, first 50 cheques are free of charge.

This savings account earns tiered daily interest in US dollars (USD), with an option to write cheques too (with a monthly fee). Our USD Account is best for those who want to keep funds in US dollars without the need to change currencies.

Monthly fee: No fee savings account.
US $5.00 to add chequing option.

Earns tiered interest in US dollars

Transactions per month: Up to $5.00 of transactions are covered by the monthly fee, then pay per transaction.


At Kindred our philosophy is to charge you a fair fee for the service you use. We’re committed to offering you competitive packages and a pay-as-you-go option that’s priced fairly.

Two young women with a mobile phone

No need to run to the ATM or carry cash on you all the time. Pay a friend or bill through Interac e-Transfer.

Receive up to $25,000 in real time without any delays, with no daily, weekly, or monthly receiving limits!

Ways to Bank


Self-Serve Banking

You can access your account and manage all your everyday banking needs on any device. Use our Kindred mobile app or log in to online banking from anywhere at any time of the day!

Speak With Us

Our friendly, knowledgeable Member Contact Centre can save you time and take care of most banking transactions over the phone. Call 1.888.672.6728 or use our Secure Contact Form during business hours. You can also use our online scheduling tool to book a meeting with us.

In Branch / ATMs

ATMs are available at each of our branches in southwestern Ontario. Plus, use your debit card at all EXCHANGE Network® ATMs across Canada. Find a branch/ATM.

Learn more about Ways to Bank and see a list of common transactions that our Member Contact Centre can help you with.

You can enjoy these great benefits when you get a chequing account at Kindred.


Start with a chequing account, then simplify your life and consolidate all your daily banking at Kindred! There’s no reason to hesitate—in just a few minutes, ClickSWITCH will help you move all your direct deposits and recurring payments to your new Kindred account.

In addition to Kindred’s eight local ATMs, enjoy access to thousands of surcharge-free ATMs across Canada through THE EXCHANGE Network®.

When you do more business with Kindred, you get more back! We share a portion of our annual earnings with members through Profit Shares. 

Make transfers and deposits 24/7, including cash, through secure deposit drop boxes located at each of our eight branches. To facilitate contactless banking, you can also drop off your signed documents and paperwork for our Investing or Lending teams. 

Out-of-town members can make non-cash deposits and transfers by using our off-site drop boxes located throughout our service area. Plus we offer online banking and account opening for anyone in Ontario. Wherever you are, most everyday banking can be done online from the comfort of your home!

Cooperative banking is based on the idea that profits should have a higher purpose. When you join Kindred, you become a member and an owner, you share in our success, and you benefit from a banking relationship that focuses on what’s right for you and makes a difference in your community.

Interac e-Transfer offers a convenient, contact-free way for you to send money through online banking and our mobile app, quickly and securely, to anyone with an online banking account in Canada and an email address or mobile phone.

We offer foreign currency exchange for wherever your travels take you. See our foreign exchange rates and calculator. Call ahead to make your cash order.

Need a bit of breathing room? We’ve got you covered with overdraft protection.

Overdraft protection can be linked to your chequing account, offering convenience and peace of mind. It’s a hassle-free way to ensure transactions will still be processed, even when you’re short on funds.

Ready to join? 

It’s easy. Click on the button to start your online application.

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