Chequing

Personal Accounts

Premium Package Chequing*

  • FREE cheques (Econo Series) and cheque processing
  • UNLIMITED Direct Payment uses per month
  • FREE 15 ATM uses per month***
  • UNLIMITED Credit Union ATM uses
  • FREE Pre-authorized Payments
  • FREE Online Banking
  • FREE Canadian Money Orders
  • FREE Certified Cheques
  • Multi-level interest bearing account; interest calculated daily and paid monthly: $0-999,  1000-2999,  3000-4999,  5000 and over
  • No minimum balance required
  • Low Monthly fee of $19.95
  • Overdraft protection available
** Excess transactions will be charged our standard service charge rate  of $1.50 for Bank ATMs
***There is no charge for excess transactions for Credit Union ATMs

Member Package Chequing*

  • FREE Initial 200 Personalized cheques (Econo Series)
  • FREE Cheque Processing
  • FREE 45 Direct Payment uses per month**
  • FREE 15 ATM uses per month***
  • FREE Pre-authorized Payments
  • FREE MemberDirect Services
  • FREE Canadian Money Orders
  • FREE Certified Cheques
  • No minimum balance required
  • Low Monthly fee of $12.95
** Excess transactions will be charged our standard service charge rate of $0.75
*** Excess transactions will be charged our standard service charge of $1.00 for Credit Union ATMs and $1.25 for Bank ATMs
**** No Interest paid on this account

Smartcheck*

  • No minimum balance required
  • Multi-level interest bearing account; interest calculated daily and paid monthly:  $0-999,  1000-2999,  3000-4999,  5000 and over
  • Per cheque processing charge of $0.75 unless a minimum balance of $1,000.00 is maintained throughout the entire month
  • Direct payment services are $0.75 per transaction unless a minimum balance of $1,000.00 is maintained throughout the entire month
  • MemberCard ATM fee of $0.75 per transaction unless a minimum balance of $1,000.00 is maintained throughout the entire month
  • Canadian Money orders and certified cheques free when a minimum balance of $1,000.00 is maintained throughout the entire month
  • Member purchases own personalized cheques

Golden Account*

  • Available to members 59 years and over
  • No minimum balance required
  • Multi-level interest bearing account; interest calculated daily and paid monthly:  $0-999,  1000-2999,  3000-4999,  5000 and over
  • FREE cheque processing
  • FREE MemberCard ATM access and direct payment services (Savings & Chequing)
  • FREE Canadian Money orders and certified cheques
  • FREE personalized cheques – (Econo Series)
  • Deposits of $5,000.00 or more for a period of one year or longer receive a bonus interest rate
  • Low monthly fee of $5.95
* The Credit Union Ltd. Chequing Account Packages are unable to cover ATM charges implemented by owners of ATM machines
**Automatic transfer in place on all chequing accounts to cover insufficient funds. Overdraft protection provided for qualifying members. Overdrawn accounts outside of overdraft limits will be charged a “per item charge” plus interest. NSFs on account will be charged $40.00 per item. If a CSR has to call a member regarding an overdrawn account, a $5.00 calling fee per call will apply.
***Cheques returned with Statement $5.00

Terms of our chequing accounts are subject to change without notice.


The Credit Union

422 William Street

Dalhousie, NB

E8C 2X2

(506) 684-5697

info@thecreditu.ca

The Credit Union is a locally owned co-operative financial institution serving Dalhousie and surrounding communities. We offer a full suite of banking and financial planning services.

© 2012 The Credit Union