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Westoba Credit Union
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Grandfathered Products

These products and services are no longer available.

At Westoba we want to make sure you have an account that makes sense for the way you bank. That is why we have our WestobaONE FREE Chequing Accounts, where you only pay for services that you use. To learn more about our new accounts click here.

As of September 4th, 2018, some of our products and services are no longer offered. You do not need to change your account at this time, but there is always value in reviewing your account with a staff member at Westoba.  Information about these grandfathered products and services are below:

Personal Chequing

Personal Chequing

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
  • Cash withdrawals in-branch
  • Free access to online banking, TeleService phone banking and WestobaGO mobile app
  • Overdraft protection on approved credit

Fees:

  • $1.50 per debit item
  • $3.00 for in-branch bill payments
  • $3.00 statement fee

Performance Plus

Performance Plus

Features:

Westoba’s one-stop account package.

  • Detailed monthly statements
  • Up to four free Interac® ATM withdrawals a month
  • Free access to online banking, TeleService phone banking and WestobaGO mobile app
  • Bill payments in-branch or online
  • Cash withdrawals in-branch or ATM
  • 40 free debits a month
  • Overdraft protection on approved credit

All cheque and debit purchases covered by CUMIS Buyer Protection & Extended Warranty

Fees:

  • $10.95 monthly fee (40 free debits/month)
  • $1.50 for additional debits

E-ssential Plus

E-ssential Plus

Features:

  • Free Member Card® debit card
  • No minimum balance
  • Free access to online banking, TeleService phone banking and WestobaGO mobile app

Fees:

  • $5.95 monthly fee (maximum 40 debits a month)
  • $1.50 for additional debits
  • $1.50 for over-the-counter services (bill payments, deposits, transfers, withdrawals, cheque cashing)

Plus Unlimited

E-ssential Plus Unlimited

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 online banking, TeleService phone banking and WestobaGO mobile app
  • Overdraft protection on approved credit

Fees:

  • $14.95 monthly fee (unlimited debits)
  • $1.50 for additional cheque debits (all other transactions are unlimited)
  • $1.50 for over-the-counter services (bill payments, deposits, transfers, withdrawals, cheque cashing)

Golden Chequing

Golden Chequing

Features:

  • No monthly fee
  • 40 free transactions a month including cheques, debits, point-of-sale transactions and credit union ATM withdrawals
  • Product & service discounts
  • No minimum balance
  • Free Member Card® debit card
  • Bill payments
  • No-fee deposits or withdrawals in-branch
  • Free access to online banking, TeleService phone banking and WestobaGO mobile app
  • Overdraft protection on approved credit

Fees:

  • No monthly maintenance fee
  • $1.50 per debit item (40 free debits/month)

 

Student Choice®

Student Choice® 

Features:

  • No monthly fee
  • No minimum balance
  • 40 free debits a month
  • Free Member Card® debit card
  • Credit card on approval
  • Student loan or line of credit on approval
  • Free use of any credit union ATM in Canada (ACCULINK®)
  • Free access to online banking, TeleService phone banking and WestobaGO mobile app
  • Overdraft protection on approval

Fees:

  • No monthly maintenance fee
  • $1.50 per debit item (40 free debits a month)
  • $3 for in-branch bill payments

FAT CAT®

FAT CAT®

Features:

  • Our account for kids under 12 years old
  • No minimum balance
  • No monthly fee
  • Free Member Card® debit card
  • 25 free debits a month
  • Credit union ATM withdrawals
  • Withdrawals & deposits in-branch
  • Interest earned daily, paid monthly

Fees:

  • No monthly maintenance fee
  • $1.50 per debit (25 free debits a month)

Headstart®

Headstart®

Features:

  • Our account for teens 13-18 years old
  • No minimum balance
  • No monthly fee
  • Free Member Card® debit card
  • Credit union ATM withdrawals
  • Interest earned daily, paid monthly
  • 25 free debits a month
  • No-fee withdrawals & deposits in-branch
  • Personalized cheques available
  • Free access to online banking, TeleService phone banking and WestobaGO mobile app

Fees:

  • No monthly maintenance fee
  • $1.50 per debit (25 free debits a month)
  • $3 for in-branch bill payments

Deposit Rates

Youth Accounts 
Fat Cat® Youth Account0.100%
Headstart® Youth Account0.100%
StudentChoice 
$1,000 - $1,999.990.100%
$2,000 - $4,999.990.100%
$5,000 and over0.100%

*Rates are subject to change without notice.
*Conditions may apply.
*Additional terms and rates are available upon request.

BUYER PROTECTION AND EXTENDED WARRANTY

Members with the grandfathered Performance Plus chequing accounts receive the following Buyer Protection and Extended Warranty benefits.

  • Buyer Protection covers most retail items for 120 days from date of purchase against loss resulting from theft, damage or destruction
  • Home or home-based business purchases are protected
  • Higher coverage – up to $60,000 lifetime
  • Gifts (without recipient limitations)
  • No sublimits on valuables
  • All Westoba Performance Plus members are covered
  • Worldwide purchases, not just Canadian purchases
  • Purchases made with a cheque drawn on your Performance Plus account are also protected

Here are the current Service Charges and Fees.

Questions? Connect with us in-branch, through TeleService at 1-877-WESTOBA or online at infowcul@westoba.com.

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