YOUR Chequing 40

YOUR Chequing 40

Transact a lot.  On average, you do one transaction a day, with a few extra on the weekend. You need a package that provides for a variety of your day-to-day financial needs, while giving you the most for your dollar. YOUR Chequing 40 is ideally suited for you.

Features and Benefits

  • $12.00 per month* (*Monthly fees waived with a minimum balance of $2,500.00)
  • YOUR Seniors Discount of 25%
  • $5.00 discount on Safety Deposit Box
  • Forty 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 40 transactions include bill payments, withdrawals and transfers.  Deposits and inquires are free.
  • Transactions in excess of 40 per month will be charged on a per item basis. Consult your credit union for a full account fee summary.
  • Interac® ATMs: 2 transactions per month are included. Additional transactions are $1.75 each.
  • Cirrus® ATMs:  $3.00 per transactions.
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 including free Personalized Cheques on select styles
  • No fee Travellers Cheques
  • 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.

® ICU is a registered certification marks owned by CCUA, 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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