MAXIMIZER chequing

While the chequing account is the most commonly used financial service, our Maximizer chequing account offers superior value.

More than just your “go to” account, Maximizer also comes with a line of credit, making it the ideal tool to help you manage your day-to-day household finances. Set at an attractive variable rate, the line of credit is there when — and only when — you need it, and there aren't any fees unless you use it. 

Account features

Free transactions with a minimum monthly balance of $1,000 or if 55 years of age and older, include:
• personal cheque
• withdrawals, whether in-branch, by electronic fund transfer (EFT) or at one of our ATMs
• transfers, whether in-branch, online or at one of our ATMs
• deposits whether in-branch, by EFT or at one of our ATMs
And $0.60 per debit or point of sale (POS) purchase.

Otherwise if minimum balance is not maintained or if younger than 55 years, as noted above except:
• $0.50/personal cheques
• $0.50/EFT withdrawals

• Detailed monthly statement ($1.50) or passbook for record-keeping.
• Line of credit, which is subject to the standard qualification process.1

Click here to view a summary of our account services and fees.

Common features, all the time

  • Deposits are 100% protected and guaranteed by the Deposit Insurance Corporation of Ontario (DICO).1
  • Use our mobile banking app on your smartphone to deposit a cheque directly to your account using the secure Deposit Anywhere™ service. Learn more about it here.
  • Bank ding-free®. Use your Member Card® debit card at any credit union ATMs on THE EXCHANGE® or ACCULINK® networks across the country.2
  • Unlimited day-to-day banking transactions for those 55 years of age and older.3
  • 24/7 online, mobile and ATM access, or in-branch personal service, Monday to Saturday, where the espresso is always on us!



1 Interest is calculated daily on the amount drawn.

2 Unregistered eligible deposits up to $250,000 are fully protected by DICO, and eligible registered deposits such as an RDSP, RESP, RRSP, RRIF and TFSA are fully insured. For more information, visit or call 1-800-268-6653.

3 Otherwise, $1.50/transaction when using all other ATMs outside these networks, or $3/transaction when using ATMs outside of Canada.

4 Day-to-day banking transactions include all deposits, withdrawals and transfers, whether in-branch, online or at any of our ATMs.

MAXIMIZER® is a registered trade-mark owned by Credit Union Central of Canada, used under license.

Member Card® is a registered certification mark owned by Credit Union Central of Canada, and is used under license.

THE EXCHANGE® is a registered trademark licensed for use in Canada by Ficanex Service Limited Partnership.



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