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 $45.00 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.
