Chequing Accounts

Accounts to match the way you bank.

All chequing accounts include:

  • No minimum balance requirements
  • Personalized cheques*
  • Member Card® debit card
  • Overdraft protection on approved credit
  • Free access to CU@HOME internet banking and TeleService phone banking

Personal Chequing

Personal Chequing

This account is right for you if… you’re looking for an account with minimal services. You pay only for what you use.

Features:

  • Our basic pay-as-you-go account
  • Free Member Card® debit card
  • No monthly fee
  • No minimum balance
  • One free debit for each $500 of minimum monthly balance
  • Free cash withdrawals in-branch
  • Free access to CU@HOME internet banking and TeleService phone banking
  • Overdraft protection on approved credit

Benefits:

  • You save money by paying only for the services you use. No Monthly Fee.
    Pay only for the services you use.

Fees:

  • $0.65 per debit item
  • $2.00 for in-branch bill payments
  • $2.00 statement fee

Performance Plus

Performance Plus

This is right for you if… you regularly move money in and out of your chequing account. You will enjoy the convenience of multiple transactions for one monthly fee.

Features:

Westoba’s one-stop account package

  • Free detailed monthly statement
  • Up to $5,000 overdraft protection with no Line of Credit (LOC) maintenance fee*
  • Up to four free Interac® ATM withdrawals a month
  • Free access to CU@HOME internet banking and TeleService phone banking
  • No-fee bill payments in-branch or online
  • No-fee cash withdrawals in-branch or online
  • 40 free debits a month

All cheque and debit purchases covered by CUMIS Buyer Protection & Extended Warranty
*On approved credit

Benefits:

  • Enjoy special discounts on various products and services:
  • No-fee travellers cheque purchases
  • Safety deposit box rental discount
  • Free access to Commissioner for Oaths
  • No charge to provide notices of interest paid

Fees:

  • $10.95 monthly fee (40 free debits/month)
  • $0.65 for additional debits

E-ssential Plus

E-ssential Plus

This is right for you if… you mainly bank online. You will enjoy the convenience and flexibility of banking 24/7, while saving money with one low monthly fee.

Features:

Our online solution to your digital lifestyle.

  • Free Member Card® debit card
  • No minimum balance
  • Free access to CU@HOME internet banking and TeleService phone banking

Benefits:

  • Bank 24/7 and save money with one monthly fee.
  • Easily integrate your banking into your digital lifestyle.

Fees:

  • $5.95 monthly fee (maximum 40 debits a month)
  • $0.75 for additional debits
  • $1 for over-the-counter services (bill payments, deposits, transfers, withdrawals, cheque cashing)
  • No fee attached to services that are not available online or at an ATM

Plus Unlimited

E-ssential Plus Unlimited

This is right for you if… you mainly bank online. You will enjoy the convenience and flexibility of banking 24/7, while saving money with one low monthly fee.

Features:

Our online solution to your digital lifestyle

  • Free Member Card® debit card
  • No minimum balance
  • Five free cheque debits per month
  • Free access to CU@HOME internet banking and TeleService phone banking

Benefits:

  • Bank 24/7 and save money with one monthly fee.
  • Easily integrate your banking into your digital lifestyle.

Fees:

  • $14.95 monthly fee (unlimited debits)
  • $0.75 for additional cheque debits (all other transactions are unlimited)
  • $1 for over-the-counter services (bill payments, deposits, transfers, withdrawals, cheque cashing)
  • No fee attached to services that are not available online or at an ATM

US Chequing

US Chequing

This is right for you if… you travel often to the US and like to save and earn interest when the rates are good.

Features:

Our solution for snowbirds and cross-border shoppers.

  • Interest calculated daily and paid monthly – just like our Plan 24 Savings account
  • Tiered interest rate
  • No-fee withdrawals in-branch

Benefits:

  • Convenient access to your US money when you need it.
  • Buy US currency when the rates are good and earn interest while you plan your next trip or shopping spree.
  • Minimize the cost of converting from one currency to another.

Fees:

  • No monthly fee
  • $1.20 per debit
  • $1 per transfer to Canadian funds deposit account
  • $2 paper statement fee (electronic statements are free)
*Contact our TeleService Team or visit a branch for pricing.