Chequing

Operating Accounts



Key Features

Save on monthly fees.
The monthly fee is waived if you maintain a minimum daily balance in your account during the month on all Operating Accounts.

Unlimited Transactions
Operate worry free with unlimited standard transactions on our Signature Operating Account.

QuickSwitch your Account
Whether you’re ramping up for the season or planning an expansion, with just a phone call you can quickly and easily switch your Operating Account to avoid any excess service charges.

Operating Accounts are designed to complement a specific way of doing business. Select Operating Account is best suited for those with a couple deposits and payables each month where the Signature is designed for a retail or cash based business.

If you’re a Non-Profit, you get the same choice of accounts, and pay a discounted rate each month.

All our Operating Accounts come with Standard Transactions as part of the monthly fee.
Performing any one of the following transactions would be considered a Standard Transaction.

Standard Transactions†

Send Interac® e-Transfer
Request Interac® e-Transfer
In Store Purchase
Mobile Wallet Purchase
CU ATM Withdrawal or Deposit
CU ATM Transfer
In Branch Transfer
In Branch Cash Withdrawal or Deposit
Bill Payment
Interac® Flash
Online Transfers
Automatic Payments
Direct Deposit
Cheques
Telepay™ Transfer
Telepay™ Bill Payment

Items, Cash and Coin included in all Accounts
All three of our Operating Accounts include enough Items, Cash and Coin to complement the included Standard Transactions. You only pay additional fees when you need more.

Non-Profit Pricing
All three of our Operating Accounts are offered to Non-Profit organizations with all the same great features as the regular version, but at a reduced monthly fee.

Operating Accounts

 

SELECT

STANDARD

SIGNATURE

Included Transactions

Standard Transactions

10/Transactions

40/Transactions

Unlimited

Items Deposited

10

40

200

Cash Deposited (Notes)

Up to $2,000 /Month

Up to $5,000 /Month

Up to $20,000 /Month

Coin Deposited

Up to $200 /Month

Up to $500 /Month

Up to $2,000 /Month

Online Me-to-Me transfers

Unlimited

Unlimited

Unlimited

Deposit Anywhere™

Unlimited

Unlimited

Unlimited

Additional Transactions

Standard Transaction

$1.25/Transaction

$1.25/Transaction

Free

Item Deposited

$0.20/Cheque

$0.20/Cheque

$0.20/Cheque

Cash Deposited (Notes)

$2.25 per $1,000 in Notes

$2.25 per $1,000 in Notes

$2.25 per $1,000 in Notes

Coin Deposited

$2.25 per $100 in Coin

$2.25 per $100 in Coin

$2.25 per $100 in Coin

Cross Border Debit

$1.50/Transaction

$1.50/Transaction

$1.50/Transaction

Send Interac® e-Transfers

Included in Standard Transactions

Included in Standard Transactions

Unlimited

Request Interac® e-Transfers

Included in Standard Transactions

Included in Standard Transactions

Unlimited

Interac® ATM

$1.50 /Withdrawal

$1.50 /Withdrawal

$1.50 /Withdrawal

International ATM*

$4.00 /Withdrawal

$4.00 /Withdrawal

$4.00 /Withdrawal

Non-encoded Cheques

$5.00 / Cheque

$5.00 / Cheque

$5.00 / Cheque

Record Keeping

Online Statements with Cheque Images

Free

Free

Free

Paper Statements with Cheque Images

$3.00 /Month

$3.00 /Month

$3.00 /Month

Pricing

Regular Price

$7.00 /Month

$25.00 /Month

$80.00 /Month

Non-Profit Price

$3.50 /Month

$12.50 /Month

$35.00 /Month

Minimum Daily Balance Required to Waive Monthly Fee

$6,000

$20,000

$65,000

All accounts and fees are subject to an annual review and may be higher than posted in certain situations.
For each cheque we honour where the account is overdrawn, and/or over their approved line of credit, there is a $5 per item charge plus 18% interest charge while the account remains overdrawn. 
® Used under license. All trade marks are the property of their respective owners
*Additional fees, such as any terminal convenience, currency conversion, or usage fees, may be charged by third parties and added as part of the transaction amount.
**Available to members who subscribe to Point of Sale Merchant Services through one of our partner suppliers.
†Certain transactions may not be available to certain accounts with Dual Signatures enabled.

Unlimited refers to use of the account that is reasonable of the average consumer for personal daily use only.

Any usage which is deemed to exceed what is reasonable personal daily use will be reviewed and may be subject to additional fees.