No Fee Account

Whether you are looking for a Youth or Student Account or an account for your everyday banking needs, you won't find better value than our interest-bearing No Fee Account.

 

Features

  • The No Fee Account has no service charges for your everyday banking. No monthly fee or minimum balance is required.*
  • Free cheque and debit card transactions.
  • Free deposits and preauthorized payments.
  • Free online bill payments.
  • Free transfers including INTERAC®  e-Transfers.
  • Free remote deposit of cheques through Deposit Anywhere™.
  • Free online banking - access to your account through your home computer.
  • Free mobile banking - access to your account on-the-go.
  • Free e-statements.
  • MEMBER CARD® debit card is available - for point of sale purchases or easy access to funds through over 1,800 ding free ACCULINK® ATMs across Canada.
  • Overdraft Protection** is available to cover unexpected expenses.
  • Interest is tiered***. It is calculated on the minimum daily balance at the highest level and credited back to the account monthly on the last day of the month.
  • Free annual financial check-up. Allow our experts to review your current financial situation and develop plans to prepare for a more solid financial future whether it be saving on fees, reducing financial stress, or budgeting more wisely.

Notes

  • Every Personal Member is eligible for 2 No Fee Accounts. Additional chequing accounts will be Pay as You Go. Service charges that apply are listed in the TCU Accounts & Fees Guide.
  • ATM withdrawals* through the INTERAC or CIRRUS Networks are not included. Fees will also apply to paper statements and in-branch utility bill payments. More information can be found in the TCU Accounts & Fees Guide.
  • Your deposits are fully guaranteed by Credit Union Deposit Guarantee Corporation
  • Overdraft Protection** is subject to approval
    • Interest accrues daily on the overdrawn balance until the overdraft is fully covered
    • No service fee or interest charged if the Overdraft Protection is not used
  • Interest Rate Tiers***
    • Under $2,000
    • $2,000 - $2,999
    • $3,000 - $4,999
    • Over $5,000 

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