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Perfetto.​®


You’ve come to the right place. Our do-it-all account combines a high interest savings rate with the conveniences of a chequing account – with no account or day-to-day transaction fees. So, keep your money in one place to save and spend as you need to. Now that’s perfect banking.®

And if you like the ease and simplicity of managing all your deposits, transactions and borrowing from a single place, there’s a line of credit that can be used. Learn how to add borrowing to your Perfetto.  account here.


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Key Features

Earn high interest
Enjoy a daily interest savings rate of 1.25% per annum. 1

Start small
No minimum daily closing balance.

Snap to deposit
With Deposit Anywhere™, deposit a cheque using your smartphone.

Enjoy unlimited day-to-day transactions
Free deposits, Interac e-Transfer transactions, transfers and withdrawals such as bill payments and point-of-sale purchases. 2

Borrow what you need 
Line of credit available. 3 4

Deposit insurance coverage
Insurable non-registered Canadian dollar deposits are covered up to $250,000.

Benefits you can enjoy all the time

 Deposit Protection 

Learn how FSRA deposit insurance protects your savings.

Bank ding free

Pay no surcharge fees at participating ATMs. Learn more. 

Bank 24/7

Online, mobile or at ATMs

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Personal service & advice with complimentary espresso.

Account Fees

Monthly Fee None
Deposit Anywhere™ – Deposit cheques directly using a mobile deviceFree
Credit transactions –  Deposits made in branch, by electronic fund transfer (EFT) or at one of our ATMs
Free
Debit transactions – Personal cheques, withdrawals6 and transfers7Free
Purchases – Debit or point-of-sale (POS) transactionsFree
Interac  e-Transfer® – Send money to another Canadian bank accountFree
Interac e-Transfer® – Receive money from another Canadian bank accountFree
Monthly eStatementFree
Monthly statement - Printed and mailedFree


Click here for more information about all other account services and related fees.

Terms and Conditions

1 Interest calculated daily and paid monthly. Rate, as advertised, for personal accounts up to $500,000 CDN. Portion of balance above $500,000 will earn 0.50% p.a..

2 Defined as credit transactions, including deposits made in branch, by electronic fund transfer (EFT), at one of our ATMs or with Deposit Anywhere™, our mobile cheque deposit service; and debit transactions, including personal cheques, withdrawals made in branch, by EFT or at one of our ATMs; and transfers made in branch, online or at one of our ATMs.

3 Subject to the standard qualification process.

4 Interest is calculated daily on the amount drawn.

5 Credit transactions, including deposits made in branch, by EFT or at one of our ATMs.

6 Withdrawals made in branch, by EFT or at one of our ATMs.

7 Transfers made in branch, online or at one of our ATMs.

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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© IC SAVINGS All rights reserved.

© IC SAVINGS All rights reserved.