Spending Accounts

Choices, Choices, Choices!

Whether you use your account just a little, or you use it a lot - if you are depositing your first pay cheque or your pension cheque - or anywhere in between, we have an account solution to meet your needs! Plus many of our accounts offer substantial discounts - some are even FREE!

Our friendly, knowledgeable staff will walk you through your account options to determine a solution that will meet your lifestyle needs and financial objectives!

Bundles

Add a Bundle, Save a Bundle! Account bundles are designed to help members save money by controlling service charges.
Member Service Package
a.k.a. 30 Free Bundle
A monthly maintenance fee of $10.00 gets you 30 free transaction items and discounts on other services. Save money on your service charges with the Member Service Package - you will save almost 60% - it’s like everyday banking just went on sale!

Member Service Premium Package
a.k.a. Unlimited Bundle
A monthly maintenance fee of $20.00 earns you unlimited free transactions*. No matter how often you use your account, you have the peace of mind that you will never get surprised by high service charges. Yeah, go ahead and pay for that coffee with your debit card!

Lifestyle Solutions

FatCat
Teaching youth good money habits has never been easier - FatCat Accounts are free and earn interest!

Account Requirements: For youth aged under 12

Monthly Account Fee: Free

Transactions included in your account fee: All free

Interest: 2 Tiers - Calculated Daily; Paid Monthly

Headstart
Get it all - unlimited Free Transactions*, innovative banking options, competitive interest - all with no service charges!

Account Requirements: For youth aged 12-18

Monthly Account Fee: Free

Transactions included in your account fee: All free

Interest: 2 Tiers - Calculated Daily; Paid Monthly

Graduate
This account offers substantial discounts for those enrolled in a minimum of 60% full-time studies.

Account Requirements:  For students aged 19-27

Monthly Account Fee: Free

Transactions included in your account fee: 50 free items; 4 e-Transfers & 2 Interac ATM withdrawals

Cost of Transactions above account fee

> Cheque, Manual Debit or Cash Withdrawal: $1
> Electronic Debit:Free

Interest: 2 Tiers - Calculated Daily; Paid Monthly

Lifestart
A low cost, self-serve style account for young adults in the work force - we want to help you get on your feet!

Account Requirements: For young adults 19-30 years of age

Monthly Account Fee: $7.00

Transactions included in your account fee: Unlimited

Cost of Transactions above account fee

> Cheque, Manual Debit or Cash Withdrawal: $1
> Electronic Debit:Free

Interest: 5 Tiers - Calculated Daily; Paid Monthly

When I'm 64
A deep-discount account designed just for seniors. 

Account Requirements: For the young at heart, aged 64+

If you maintain a minimum balance of $1,500, we will waive your account fee, making your account virtually free!

Monthly Account Fee: $2.00

Transactions included in your account fee: All free

Chequing Accounts

Personal Chequing
Our no-frills, pay-as-you-go account option for quick, convenient access to your money!

Monthly Account Fee: $2.00

If you maintain a balance of $3,000 or more, we'll waive your account fee. Plus, we'll credit you $1 for every $3,000 of balance maintained.

Transactions included in your account fee: None

Cost of Transactions above account fee

> Cheque, Manual Debit or Cash Withdrawal: $1
> Electronic Debit:$1

Advantage Investment
Get the best of both worlds! Quick, easy access to funds and you earn interest!

Monthly Account Fee: Free!

If you maintain a balance of $3,000 or more, we'll waive your account fee. Plus, we'll credit you $1 for every $3,000 of balance maintained.

Transactions included in your account fee: 1 free item

Cost of Transactions above account fee

> Cheque, Manual Debit or Cash Withdrawal: $1.50
> Electronic Debit:$1.50

Interest: 5 Tiers - Calculated Daily; Paid Monthly

Low Fee
This account is a cost-effective option for those with low transaction volumes.

Monthly Account Fee: $4.00

If you maintain a balance of $3,000 or more, we'll waive your account fee. 

Transactions included in your account fee: 8 free items

Cost of Transactions above account fee

> Cheque, Manual Debit or Cash Withdrawal: $1
> Electronic Debit:$1

Maximizer
Have your cake and eat it too! Earn interest on your transaction account? Yes, please!

Monthly Account Fee: $2.00

If you maintain a balance of $3,000 or more, we'll waive your account fee plus any other transaction fees.

Transactions included in your account fee: None

Cost of Transactions above account fee

> Cheque, Manual Debit or Cash Withdrawal: $1
> Electronic Debit:$1

Interest: 5 Tiers - Calculated Daily; Paid Monthly

U.S. Dollar
Quick, convenient access to U.S. Dollars, plus, you earn interest!

Monthly Account Fee: Free!

Transactions included in your account fee: 1 free item

Cost of Transactions above account fee

> Cheque, Manual Debit or Cash Withdrawal: $1

Interest: 5 Tiers - Calculated Daily; Paid Monthly

Service Fees and Charges
Effective January 1, 2021

We're ultra-local & here to help!

Service fees and charges

Effective January 1, 2021
This website uses cookies to improve your user experience. By continuing to browse the site you are agreeing to our use of cookies.