Spending Accounts
Whether you use your account just a little, or you use it a lot - if you are depositing your first pay cheque or your pension cheque - or anywhere in between, we have an account solution to meet your needs! Plus many of our accounts offer substantial discounts - some are even FREE!
Our friendly, knowledgeable staff will walk you through your account options to determine a solution that will meet your lifestyle needs and financial objectives!
Bundles
Member Service Package
a.k.a. 30 Free Bundle
Member Service Premium Package
a.k.a. Unlimited Bundle
Lifestyle Solutions
FatCat
Account Requirements: For youth aged under 12
Monthly Account Fee: Free
Transactions included in your account fee: 30 free items
Cost of transactions above account fee: $1.50
Interest: 2 Tiers - Calculated Daily; Paid Monthly
Headstart
Account Requirements: For youth aged 12-18
Monthly Account Fee: Free
Transactions included in your account fee: 30 free items
Cost of transactions above account fee: $1.50
Interest: 2 Tiers - Calculated Daily; Paid Monthly
Graduate
Account Requirements: For students aged 19-27
Monthly Account Fee: Free
Transactions included in your account fee: 50 free items; 30 e-Transfers & 2 Interac ATM withdrawals
Cost of Transactions above account fee: $1.50
Interest: 2 Tiers - Calculated Daily; Paid Monthly
Lifestart
Account Requirements: For young adults 19-30 years of age
Monthly Account Fee: $7.00
Transactions included in your account fee: Unlimited
Cost of Transactions above account fee
> Cheque, Manual Debit or Cash Withdrawal: $1.50
> Electronic Debit: Free
Interest: 5 Tiers - Calculated Daily; Paid Monthly
When I'm 64
Account Requirements: For the young at heart, aged 64+
If you maintain a minimum balance of $3,000, we will waive your account fee, making your account virtually free!
Monthly Account Fee: $2.00
Transactions included in your account fee: 30 free items
Cost of transactions above account fee: $1.50
Chequing Accounts
Personal Chequing
Monthly Account Fee: $2.00
If you maintain a balance of $3,000 or more, we'll waive your account fee. Plus, we'll credit you $1 for every $3,000 of balance maintained.
Transactions included in your account fee: None
Cost of Transactions above account fee
> Cheque, Manual Debit or Cash Withdrawal: $1.50
> Electronic Debit:$1.50
Advantage Investment
Monthly Account Fee: Free!
If you maintain a balance of $3,000 or more, we'll waive your account fee. Plus, we'll credit you $1 for every $3,000 of balance maintained.
Transactions included in your account fee: 1 free item
Cost of Transactions above account fee
> Cheque, Manual Debit or Cash Withdrawal: $1.50
> Electronic Debit:$1.50
Interest: 5 Tiers - Calculated Daily; Paid Monthly
Low Fee
Monthly Account Fee: $4.00
If you maintain a balance of $3,000 or more, we'll waive your account fee.
Transactions included in your account fee: 8 free items
Cost of Transactions above account fee
> Cheque, Manual Debit or Cash Withdrawal: $1.50
> Electronic Debit:$1.50
Maximizer
Monthly Account Fee: $2.00
If you maintain a balance of $3,000 or more, we'll waive your account fee plus any other transaction fees.
Transactions included in your account fee: None
Cost of Transactions above account fee
> Cheque, Manual Debit or Cash Withdrawal: $1.50
> Electronic Debit:$1.50
Interest: 5 Tiers - Calculated Daily; Paid Monthly
U.S. Dollar
Monthly Account Fee: Free!
Transactions included in your account fee: 1 free item
Cost of Transactions above account fee
> Cheque, Manual Debit or Cash Withdrawal: $1.50
Interest: 5 Tiers - Calculated Daily; Paid Monthly

Service Fees and Charges
We're ultra-local & here to help!
Service fees and charges
Bill Payments
Account Holder: $2.00
WIM64, CU59, MSP, & MSPP plans: Free
Non-Account Holder: $20.00
Bill Payment Trace: $30.00
Chargeback: $10.00/item
Cheque Image: $5.00/copy
Currency (USD)
Account Holder: No Charge
Non-Account Holder: $5.00/$100; $5.00 Minimum
Currency and Coin (CAD)
Account Holder: No Charge
Non-Account Holder: $1.00/roll; $5.00/$100 bills
Managers Trust Cheques (CAD & USD)
Account Holder: $10.00
WIM64, CU59, MSP, & MSPP plans: $5.00
Non-Account Holder: $15.00
Overdraft Notification Fee: $5.00/item
NSF Fee: $45.00/item
Safety Deposit Box
1 1/2 x 5 1/4 $40.00 + GST
2 1/4 x 5 1/4 $50.00 + GST
Larger sizes available - please inquire
Statement Reprint $5.00/statement
Stop Payment
Complete Order: $20.00
USD Cheque Drawn on CAD Account $ 10.00/item
Paper Statement $3.00