Your Chequing 15

Your Chequing 15

Transact a little. You make only a few transactions each month.  You enjoy simplified record keeping.  You value the simplicity and relative savings of a low monthly fee.  You need YOUR Chequing 15.

Features and Benefits

Pricing:    
  • $5.00 per month* (*Monthly fees waived with a minimum monthly balance of $2,000.00 )
  • YOUR Seniors Discount of 100%
Transactions
  • Fifteen transactions are included each month, for one low monthly fee using the Self Service Access Options, Credit Union Assisted Service and Additional Access Options. The 15 transactions include bill payments, withdrawals and transfers.  Deposits and inquiries are free.
  • Transactions in excess of 15 per month will be charged on a per item basis. Consult your credit union for a full account fee summary.
  • Interac® ATMs: $1.75 per transaction
  • Cirrus® ATMs: $3.00 per transaction
 
Self Service Access Options:
  • MemberDirect® online services: transfer funds, pay bills, view and print interim statements 24 hours a day, 7 days a week.
  • Your MEMBER CARD® Debit Card provides account access at ATMs on the following networks:
    • Credit union affiliated ATM networks (surcharge-free access to over 2700 ACCULINK® and THE EXCHANGE ® ATMs throughout Canada)
    • Interac® (Canada) and Cirrus® (International) ATM Networks give you access to tens of thousands of ATMs around the world. Surcharge fees apply.
  • TeleService® telephone banking: access your accounts by telephone with toll free access from anywhere in North America. 1-800-963-4848.
Credit Union Assisted Service
  • Visit your credit union for sound advice and convenience right in your neighborhood.
  • Visit any credit union in Atlantic Canada representing 180 locations and receive services just like you were visiting your own credit union using our Inter-Credit Union (ICU®) system.
Additional Access Options
  • Cheque writing
  • Pre-Authorized Payments and Direct Deposits to save you time running to your branch to pay bills or cash cheques.
Managing YOUR Money
  • Record Keeping Options: In addition to mailed statements, a convenient alternative is our electronic record keeping options: view, download or print your statement using MemberDirect® online services, listen to your recent transactions using TeleService® telephone banking or visit your credit union for interim statements. Monthly statement available with cheque images or returned cheques where offered.
  • Overdraft protection available based on approved credit, so you can avoid the inconvenience and cost of insufficient funds.
Calculating Interest in a Way to Earn You More
  • Our tiered interest rates allow you to benefit from higher rates as your balances increase. The tiers are:
    • $1 - $499 
    • $500 - $999 
    • $1,000 - $2,999 
    • $3,000 - $4,999 
    • $5,000 + 
  • Tiered interest is calculated based on the daily closing balance and paid monthly. What’s more, your interest rate is based on the rate for the highest tier attained and is calculated on the total balance in the account, earning you more for every dollar you deposit. Other institutions only give you the rate for the tier, on the dollars in the tier. For example, if the rate for the $1,000 to $2,999 tier is 0.5% and your balance is $1,001, most other financial institutions only give 0.5% on the $1 that falls within that particular tier. Credit unions calculate interest at the 0.5% rate for your entire $1,001 balance.


      Does not include surcharges from other institutions.
®
      THE EXCHANGE ® is a registered trademark owned by FICANEX® and is used under license.
®
      ACCULINK is a registered trademark owned by CCUA
and is used under license.
®
     TELESERVICE is owned by Vancouver City Savings Credit Union                                                                                                                                                                                                                                 
®     MemberDirect and MEMBER CARD are registered trademarks owned by CCUA  and are used under license.
®     Interac is a registered trademark owned by Interac Inc. and is used under license.
®
     MasterCard is a registered trademark owned by MasterCard International Inc. and is used under license.
 

®    Cirrus is a registered trademark of Visa International and used under license.

 

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