Chequing and Packages

Personal Chequing Account

TECU offers our members the advantages of a NO FEE Chequing account. There is no per cheque fee, you can also enjoy free unlimited automated funds transfers, AFTs and EFTs as well as direct deposit. All without the usual minimum balance required or any monthly fees or service charges.

Banking Packages

We have several different packages to serve our members. Please review each package to find which is best for your financial needs.

 

  Banking Packages
Essential
Preferred
Infinite
 Choice
  Total Dollar Participation Required (Loan or Deposits)
$0-$9,999
$10,000
$25,000
N/A
  Monthly Fee None None None $14/month fee
  Services
 
 
 
 
  Chequing
Free
Free
Free
Free
  TECU ATM Withdrawals and Deposits Per Month
Unlimited Free
Unlimited Free
Unlimited Free
Unlimited Free
  ATM Transactions through THE EXCHANGE® or Interac® Per Month*
1.75 for each transaction
(Including Inquiry)
5 Free
Unlimited Free
Unlimited Free
  POS/Debit Card Transactions Per Month
.75 for each trasaction
20 Free
Unlimited Free
Unlimited Free
  Bill Payments**
2.00
Unlimited Free
Unlimited Free
Unlimited Free
  Online Banking
Free
Free
Free
Free
  Online Banking
(Increased authentication)
Free
Free
Free
Free
  Mobile Banking***
Free
Free
Free
Free
  Telephone Teller
Free
Free
Free
Free
  Savings and Chequing Accounts
Free
Free
Free
Free
  AFTs and EFTs
Free
Free
Unlimited Free
Unlimited Free
  Stopped Payments****
15.00 each
5 Free per year
5 Free per year
5 Free per year
  Certified Cheques/Bank Drafts (CDN)
10.00
Free
Free
Free
  Letters of Interest /Immigration
25.00
Free
Free
Free
  Post Dated Cheques
(per cheque)
2.00
Unlimited Free
Unlimited Free
Unlimited Free
  Travellers Cheques
(US, CDN, Sterling, Euro)
Surcharge Free
Surcharge Free
Surcharge Free
Surcharge Free
  The Personal Home and Auto Insurance Elegibility
Elegibile
Elegibile
Elegibile
Elegibile
  Discounted Loan Rates
No Discount
Eligibility
Eligibility
No Discount
  Annual Membership Fee 25.00 Exempt Exempt Exempt
  Deposit Anywhere Fee 1.75 Unlimited Free Unlimited Free Unlimited Free
  TFSA Withdrawal***** 15.00 10.00 Unlimited Free 15.00
 
 

5 Free Withdrawals and 5 Free Deposits monthly

*
  Transactions at THE EXCHANGE Network of ATMs are surcharge free but surcharges at source for Interac ATMs are not included in the packages.
**
  Bill Payments for Essential package are $.75 online.
***
  Carrier charges may apply.
****
  Does not include US cheques.
*****   First Withdrawal Free

For a complete list of charges please click on to Service Fees below.

Service Fees


Overdraft Protection

With Overdraft Protection you can be covered in the event you run short on cash. You can save money by avoiding NSF fees, costly missed payments and bounced cheques. Overdraft Protection is available in amounts from $500 to $5,000.

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