YOUR Electronic Chequing

YOUR Electronic Chequing

Transact electronically.  You want access to your accounts, anytime, anywhere, using Self-Service Options.  YOUR Electronic Chequing is designed with your needs in mind. It features unlimited electronic transactions through credit union channels for one low monthly fee.  It’s the ultimate in convenience and accessibility, allowing you to manage your account 24 hours a day, seven days a week.

Features and Benefits

  • $14.00 per month* (*Monthly fees waived with a minimum balance of $3,000.00)
  • YOUR Seniors Discount of 25%
  • Unlimited transactions using Self Service Access Options and Assisted Access Options
  • Per item transaction fees for non-electronic transactions apply, such as Credit Union Assisted Service and cheques. 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 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. Per item fees apply to assisted service.
  • 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. Per item fees apply to assisted service.
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.

®    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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