Spending Accounts

Spend more on the things you want and less on monthly fees. Do more with your money at your Credit Union.

 

Choosing Your Credit Union.

Your Credit Union knows that no two members' spending habits are the same. That’s why we are dedicated to providing you with the most effective accounts to match which ever way you like to spend your money.

Top 3 benefits of a Spending Account.
Save on monthly fees.

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

Interac® e-Transfers for everyone.

Send or Request Interac® e-Transfer without any extra fees; now part of your included Standard Transactions. Enjoy unlimited Interac® e-Transfers on Flex and UltraFlex Spending accounts, and up to 20 on a Core Spending Account for free.

QuickSwitch your Account

If you're planning a trip or going on a spending hiatus, with just a phone call you can easily switch your Spending Account to avoid any excess service charges.

Choosing the right Spending Account for you.

Each Spending Account is designed to complement a specific way of spending money. The Core is Best suited for those with use cash on a daily basis where the UltraFlex is designed for the frequent travelers.

 

If you’re 25 and under or 60 and over, you get the same choice of accounts, and pay a discounted rate each month

 

Youth = Everyone 25 and Under

Whether you’re going to school, working full time or somewhere in between, if you're 25 or under, you can get the same great discount on any Spending Account you choose.

Unlimited Me-to-Me online transfers

Transfer funds between your Savings and Spending Accounts online as much as you like without using any of your included Standard Transactions.

All our Spending 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 Transaction
  • Send Interac® e-Transfer
  • Request Interac® e-Transfer
  • ATM Withdrawal
  • ATM Transfer
  • In Branch Transfer
  • In Branch Cash Withdrawal
  • Bill Payment
  • In Store Purchase
  • Interac® Flash
  • Interac® Online Payment
  • Online Bill Payment
  • Online Transfers
  • Cheques
  • Telepay™ Transfer
  • Telepay™ Bill Payment
Spending Accounts
Core Flex UltraFlex
Transactions

Standard Transactions

20 Free

$1.25 / Additional

Unlimited

Unlimited

Online Me-to-Me transfers

Unlimited

Unlimited

Unlimited

Deposit Anywhere™

Unlimited

Unlimited

Unlimited

Interac® ATM

$1.50 / Withdrawal

$1.50 / Withdrawal

Unlimited

International ATM*

$4.00 / Withdrawal

$4.00 / Withdrawal

Unlimited

Cross Border Debit

$2.25 / Transaction

$1.00 / Transaction

Unlimited

Send Interac® e-Transfers

Included in your Standard Transaction Limit (20)

Unlimited

Unlimited

Request Interac® e-Transfers

Included in your Standard Transaction Limit (20)

Unlimited

Unlimited

Core Flex UltraFlex
Additional Features

Interest on Monthly Balance

-

-

Yes

Safety Deposit Box Discount

-

-

$12.00/Year

Overdraft

$5.00 + Interest

$5.00 + Interest

Interest Only

Personalized Cheques

Starting at $24.00

Starting at $24.00

Starting at $0

Money Orders

$7.50

$7.50

Free

Certified Cheques

$15.00

$15.00

Free

Drafts

$7.50

$7.50

Free

Core Flex UltraFlex
Record Keeping

Online Statements with Cheque Images

Free

Free

Free

Paper Statements with Cheque Images

$2.50 / Month

$2.50 / Month

Free

Core Flex UltraFlex
Pricing

Regular

$6.00 / Month

$14.50 / Month

$29.50 / Month

Youth (Everyone 25 and Under)

Free

$2.00 / Month

$12.00 / Month

Senior (Everyone 60 and Over)

Free

$7.25 / Month

$20.75 / Month

Core Flex UltraFlex

Minimum Daily Balance required to waive Monthly Fee

$2,000

$4,000

$5,000

Find your nearest Credit Union above and stop by to get started.

® 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.

 

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