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Chequing Accounts

No matter your banking needs – big, small, or somewhere in between, we have a chequing account with the features and benefits to match.

Choose the chequing account that fits your life

Pay-As-You-Go

Great if:

you make a small number of transactions each month and only want to pay for what you use. 

Key features
  • 12 debit* transactions
  • Unlimited deposits

$4 per month

 

Essential

Great if:

you make a few transactions each month and want a low monthly fee that covers them all.

Key features
  • 25 debit* transactions
  • 5 Interac e-Transfer® transactions
  • Unlimited deposits

$10 per month

free with a $2,000 minimum monthly balance

 

Enhanced

Great if:

you want to make regular transactions and not pay extra for them. 

Key features
  • 50 debit* transactions
  • Unlimited Interac e-Transfer transactions
  • Unlimited deposits

$15 per month

free for post-secondary students1 & those with a $3,000 minimum monthly balance - saving you $180 annually!

 

Ultimate

Great if:

you want the freedom to make all your transactions without paying extra fees. 

Key features
  • Unlimited debits* & Interac e-Transfer transactions
  • 100 personalized annual cheques, money orders and official cheques included
  • Unlimited deposits

$23 per month

free for those with a $5,000 minimum monthly balance and just $10/month for Classic Members2 

 
 
 

US Pay-As-You-Go

Great if:

you travel to the US often and want to avoid the hassle of currency exchange.

Key features
  • Unlimited deposits
  • Earn interest
  • Cheque availability

No monthly fee

 
 

Classic Chequing

Great if:

you’re over 60 and want to make regular transactions without paying extra fees.

Key features
  • 60 debit* transactions
  • $5 discount on safety deposit boxes
  • No charge for paper or online statements

No monthly fee

Ultimate Chequing

Great if:

you’re over 60 and want to enjoy unlimited transactions with all the perks at a low fee. 

Key features
  • Unlimited debit* & Interac e-Transfer® transactions
  • Unlimited deposits
  • 100 personalized annual and office cheques included
  • $5 discount on safety deposit boxes
  • No charge for paper or online statements

$10 per month

$13/month discount from Personal Ultimate2 & free for those with a $3,000 minimum monthly balance.

* A debit is a withdrawal from an account by any means including: in-branch, cheques, ATM, point-of-sale purchases (INTERAC®), bill payments, transfers, and pre-authorized debits. BC Credit Union ATMs and other Canadian ATMs on THE EXCHANGE® and ACCULINK® networks will not charge surcharge fees (other ATMs may charge fees).

¹Monthly fee of $15 is waived for students taking at least a 60% full-time course load at a post-secondary institution. 

²Classic members are aged 60 and over.

Transactions beyond the account package included transactions will be charged as per the service fee schedule.
 

Not sure which chequing account to choose?

Don’t hesitate to reach out. We’re just a call, email, or quick branch visit away when you need us.
 

Looking for a youth, student, or savings account?

We’ve got you covered!

Set yourself up for success by building good money habits early.

Take the stress out of managing your student finances.

Keep your savings handy while accelerating their growth.

Keep your accounts extra cyber safe

Our digital banking has powerful security in place, but there’s also steps you can take to keep your finances safe online.

 
Life gets busy and sometimes it can seem more efficient to let someone else take your debit card to the store or log in and make a transaction for you.

But, even if it’s a loved one or someone you trust completely, sharing this information puts your accounts at risk, as they may not be as cautious as you are with these credentials.
Public Wi-Fi doesn’t always have the security and encryption to protect your data. This means you can’t be sure who might see what you’re doing online.

As a result, it’s best to log into your digital banking from the security of your private home network. If you’re out and about, use your cellular data plan or a Virtual Private Network (VPN) instead of Wi-Fi.
It’s important to set a unique, hard to guess password for your digital banking. That way if a password for another website is exposed, your banking will still be secure.

Here are some tips for creating a strong password:
  • Use a mix of lowercase and uppercase letters, numbers, and symbols
  • Never use personal details, like birthdates and children’s names, or common words, like “password”
  • Use a string of words to create a complex phrase that’s at least 8 characters long

Example

HotDogs@reGro55

The digital landscape is constantly evolving, which is why providers release periodic security patches to address new changes, risks, and vulnerabilities.

So, to keep your systems secure, make sure you update your browsers, devices, and anti-virus software when these patches come out.

Add our enhanced security features

From alerts to 2-Step Verification, our enhanced security features help you manage, monitor, and add extra layers of protection to your digital banking.

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Bank from anywhere

Whether you want to do your banking on the go, off-island, or in-branch, we have the digital tech and friendly staff to make it easy.
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Pay the way you want

With many different ways to pay and transfer, you’ll be able to move your money with ease wherever you need it to go.
 
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Prepare for the unexpected with overdraft protection

A surprise expense, withdrawal, or miscalculation – our lines of credit help you avoid fees and declined transactions if your account can’t cover upcoming costs.

 
 

Neighbours Helping Neighbours.

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