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Chequing Accounts

Chequing Accounts

Everyday banking, without the bank.


From Simply Free to 100% Local, we offer a wide range of chequing accounts to suit your spending habits, whether you’re looking to avoid fees or contribute to your community. We offer free unlimited e-transfers on all chequing accounts, and most come with Debit Card Buyer Protection and Extended Warranty built in!

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Simply Free Chequing Account

The flexibility and convenience of self-serve banking, plus a few basic transactions a month. The Simply Free Chequing Account supports your basic daily banking needs with no monthly service fees.

 

Features and Benefits

  • No monthly service fees
  • 12 free self-service debit transactions
  • Basic package with easy-to-understand, pay as you go pricing
  • Debit Card Buyer Protection and Extended Warranty included with your MemberCard

 

Core Features and Benefits

Monthly Fee Free
Number of Debit Transactions 12 Free Self-serve Transactions
Charge for Additional Transactions $1.00
Minimum Balance to Waive Fee N/A

 

Account Extras

Interac e-Transfers Unlimited
ATM Withdrawals at another Financial Institution

Ding Free at an Exchange Network ATM.

$1.50 in Canada at a non-Exchange Network ATM.

$3.00 Outside Canada
Cheque orders At current pricing
Discounted Youth and Senior Monthly Fee N/A
Statement Free On-line / $2.00 printed

 

 

E-All Access Chequing Account

Do you prefer to do your banking online and in your own time? Do you use your debit card and send email money transfers often? The E-All Access Chequing Account allows you to manage your accounts online with 24/7 accessibility and flexibility. Take advantage of a self-service chequing account with low monthly fees and perks specifically catered to those who like to bank anywhere, anytime.

 

Features and Benefits

  • Low monthly service fees, including a discount for Seniors and Students
  • Unlimited Interac e-Transfers
  • Unlimited self-serve transactions, including Point of Sale (POS)
  • Debit Card Buyer Protection and Extended Warranty

 

Core Features and Benefits

Monthly Fee $6.95
Number of Debit Transactions Unlimited Self-serve Transactions
Charge for Additional Transactions $1.00
Minimum Balance to Waive Fee N/A

 

Account Extras

Interac e-Transfers Unlimited
ATM Withdrawals at another Financial Institution

Ding Free at an Exchange Network ATM.

$1.50 in Canada at a non-Exchange Network ATM.

$3.00 Outside Canada
Cheques orders At current pricing
Discounted Youth and Senior Monthly Fee $4.95
Debit Card Protection Buyer Protection and Extended Warranty
Statement Free On-line / $2.00 printed
 

Simply Plus Chequing Account

Want a budget-friendly chequing account that offers flexible transaction amounts in-branch and online? The Simply Plus Chequing Account makes it easy to bank in-branch and online, and offers a monthly service fee waiver if you maintain a $3,000 balance.

 

Features and Benefits

  • 50 transactions included per month that can be used both in-branch and online
  • Discounted pricing for Seniors and Youth
  • Unlimited Interac e-Transfers
  • Monthly fee waiver if a $3000 monthly balance is maintained
  • Debit Card Buyer Protection and Extended Warranty

 

Core Features and Benefits

Monthly Fee $11.95
Number of Debit Transactions 50 Free transactions monthly
Charge for Additional Transactions $1.00
Minimum Balance to Waive Fee $3,000

 

Account Extras

Interac e-Transfers Unlimited
ATM Withdrawals at another Financial Institution

Ding Free at an Exchange Network ATM.

$1.50 in Canada at a non-Exchange Network ATM.

$3.00 Outside Canada
Cheques orders At current market pricing
Discounted Youth and Senior Monthly Fee $6.95
Debit Card Protection Buyer Protection and Extended Warranty
Statement Free On-line / $2.00 printed
 

100% Local Chequing Account

Looking for a full-service deluxe package chequing account that also gives back to your local community? The 100% Local Package offers members the ultimate in flexibility, including a minimum balance fee waiver. This account also gives back where you use it, with 1% of monthly fees collected benefiting an important, 100% local cause.

 

Features and Benefits

  • Unlimited in-branch and online transactions
  • Unlimited Interac e-Transfers
  • Discounted pricing for Seniors and Youth
  • Monthly fee waiver if a $5000 monthly balance is maintained
  • Community contribution to a 100% local cause
  • Debit Card Buyer Protection and Extended Warranty

 

Core Features and Benefits

Monthly Fee $16.95
Number of Debit Transactions Unlimited In-branch and On-line transactions
Charge for Additional Transactions $5,000

 

Account Extras

Interac e-Transfers Unlimited
ATM Withdrawals at another Financial Institution

Ding Free at an Exchange Network ATM.

$1.50 in Canada at a non-Exchange Network ATM.

$3.00 Outside Canada
Cheques orders At current market pricing
Discounted Youth and Senior Monthly Fee $8.95
Debit Card Protection Buyer Protection and Extended Warranty
Statement Free On-line / $2.00 printed

Simply Starter Chequing Account

Available exclusively for youth, the Simply Starter Chequing Account caters to your busy lifestyle. With unlimited self-service transactions and Interac e-Transfers, you can do your banking anywhere, anytime. Enjoy the flexibility of this chequing account with no monthly fee.

Features and Benefits
  • Free for youth 25 and under
  • Unlimited Interac e-Transfers
  • Unlimited self-serve transactions, including Point of Sale (POS)
  • Debit Card Buyer Protection and Extended Warranty included with your MemberCard

Core Features and Benefits
Monthly Fee FREE for youth 25 and under
Number of debit transactions Unlimited self-serve transactions
In-branch transactions $1.00
Minimum balance to waive fee N/A

Account Extras
Interac e-Transfers Unlimited
ATM withdrawals at another financial institution Ding Free at Exchange Network ATMs
$1.50 Non-Exchange Network ATMs (Canada)
$3.00 outside Canada
Cheques At current market pricing
Debit Card Protection Buyer Protection & Extended Warranty
Statements Free online/$2.00 printed

 

Home Free Chequing Account

Already a mortgage holder? This account's on us. The Home Free Chequing Account is a deluxe package valued at $16.95 per month, offered free to members who have a YNCU mortgage.

 

Features and Benefits

  • Debit Card Buyer Protection and Extended Warranty
  • Unlimited in-branch and self-serve transactions
  • Free for Members with a YNCU mortgage

 

Core Features and Benefits

Monthly Fee $19.25 - FREE with a YNCU Mortgage
Number of Debit Transactions Unlimited Free monthly transactions

 

Account Extras

 

Interac e-Transfers Unlimited
ATM Withdrawals at another Financial Institution

Ding Free at an Exchange Network ATM.

$1.50 in Canada at a non-Exchange Network ATM.

$3.00 Outside Canada
Debit Card Protection Buyer Protection and Extended Warranty
Statement Free On-line / $2.00 printed

 

 

US Hybrid Chequing and Savings

Avoid the ups and downs of the U.S. currency exchange rates with the U.S. Hybrid Chequing & Savings Account. This account will help you avoid converting U.S. currency to Canadian and back again. This account gives you the ability to write cheques, build savings, and earn interest in U.S. currency.

 

Features and Benefits

  • No minimum deposit required
  • Earn interest in U.S. dollars
  • Flexibility to withdraw at any time (2 free monthly withdrawals)
 

Core Features and Benefits

Monthly Fee Pay as you go
Number of Debit Transactions 2 free per month
Charge for Additional Transactions $1.00
 

Account Extras

Cheques At current market pricing
Statement Free On-line / $2.00 printed
Interest Paid monthly, calculated on daily closing balance
 
 
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*Standard service fees apply to transactions not listed in the menu.

 
 

Overdraft Protection

At YNCU, overdraft protection is a convenient service that guarantees a specific amount of credit to cover your account between paydays.  Your cheques, withdrawals, pre-authorized payments, and direct payment purchases are honoured up to your predetermined overdraft limit. 

  • Overdraft protection is available on most personal chequing accounts.

  • Protection limits are available from $500 to $2,500;

  • A 5.00 monthly fee is applied to the account in months that the credit limit is being used;

  • Interest is calculated on the daily outstanding balance and applied to the account at month end;

  • There is no fee or interest cost for this protection service if the limit is not being used;

  • Every 90 days the account must be brought into a positive balance.

Overdraft Protection Service is a valuable program that helps you manage your cash flow. It covers you up to your approved credit limit, when sufficient funds aren’t available in your account to complete a transaction.

Rate
21%

Term
Renewed Annually

*Contact your branch for information regarding special features, repayment, eligibility, lending criteria, securitization, and loan protection.

 
 

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2022 Your Neighbourhood Credit Union Limited. All rights reserved.
 Your Neighbourhood Credit Union (YNCU) is a licensed credit union operating in, and under the laws of, the province of Ontario. Eligible deposits in registered accounts have unlimited coverage through the Financial Services Regulatory Authority (FSRA). Eligible deposits (not in registered accounts) are insured up to $250,000 through the Financial Services Regulatory Authority (FSRA) .

 
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