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​Your Chequing Account

With no profit motive we can reinvest any profits we do make into lower fees for our member-owners. That means that our fees are lower than traditional banks and we do our best to eliminate fees when we can.

 

​An Account to Suit Every Situation

Personal Chequing Account Options

 

Your Chequing Accounts

  • Pre-Authorized Debits  $ 0.90

  • Cheque Clearing  $ 0.90

  • Point of Sale Direct Payments  $ 0.90

  • Interac® e-Transfers  $ 0.90

  • Interac® Online Payments  $ 0.90

  • Utility Bill Payments

    • Online/telephone banking  $ 0.90    

    • Branch, including ATM  $ 1.00

    • Hydro Quebec (branch/phone/online)  $ 1.50

  • ATM Withdrawals    

    • Your CU/Exchange Network ATM's   Unlimited    

    • Surcharge at all other CDN ATMs  $ 2.00

    • Surcharge at all US and International ATMs  $ 4.00

  • In-Branch Withdrawal  $ 0.90

  • In-Branch Bill Payment  $ 1.00

NOTE:  There is NO Package fees for Seniors (59+) or Youth (under 26)

  A $8 EGenius Package which includes:

  • Unlimited Pre-Authorized Debits

  • Unlimited Pre-Authorized Credits

  • Unlimited Point of Sale Debits

  • Unlimited Interac® e-Transfer

  • Unlimited Interac® Online Payments

  • Unlimited Utility Bill Payments - paid Online/App/Telephone

  • ATM Withdrawls -

    • YCU/Exchange ATM's - Unlimited

    • All Other CDN ATM's - $2.00 each

    • All US and International ATM's - $4.00 each

**Not included are cheques, and any In-Branch transactions

***If a minimum monthly balance of $2000 is maintained throughout the month, the monthly package fee is waived

A $10 Smart Package which:

 Includes 30 Every Day Type of Transactions per month

  • Pay per use after the 30

Every Day Types of Transactions include: 

  • Cheque Clearing

  • Point of Sale Debits

  • Interac® e-Transfers (credit or debit)

  • Interac® Online Payment

  • Utility Bill Payments

  • Pre-Authorized Debits

  • Pre-Authorized Credits

  • Remote Deposit Capture

  • In-Branch Withdrawals

  • In-Branch Deposits

  • In-Branch Utility Bills

  • ATM Withdrawals -

    • YCU/Exchange ATM's (deposit, bill payment or withdrawal) - Unlimited

    • All Other CDN ATM's - $2.00 each

    • All US and International ATM's - $4.00 each

***If a minimum monthly balance of $2000 is maintained throughout the month, the monthly package fee is waived

A $20 Unlimited Brilliant Package which includes:

  • Cheque Clearing

  • Point of Sale Debit

  • Interac® e-Transfers (credit or debit)

  • Interac® Online Payment

  • Utility Bill Payments

  • Pre-Authorized Debits

  • Pre-Authorized Credits

  • Remote Deposit Capture

  • In-Branch Withdrawals

  • In-Branch Deposits

  • In-Branch Utility Bills

  • ATM Withdrawals -

    • YCU/Exchange ATM's (deposit, bill payment or withdrawal) Unlimited

    • All Other CDN ATM's - $2.00 each

    • All US and International ATM's - $4.00 each

***If a minimum monthly balance of $2000 is maintained throughout the month, the monthly package fee is waived