Personal Accounts
Chequing Accounts
At KCCU we do our best to find a chequing account that best suits your lifestyle for less than the big banks.
Contact us at any one of our four locations to arrange to open one today!!!
Ask us about our Round-Up feature available to help you save using your debit card!
The Personal One
Chequing/Savings Account
Maintain a minimum monthly balance of $900
and chequing charges are waived
(if balance falls below $900 then each debit is 49¢)
Features and Benefits:
- Free record keeping available
- Cheques images available on-line
- 49¢ for any additional debits
- Free MemberDirect®
- Free Mobile app
- Me-2-Me transfers
- email money transfers (via MemberDirect® )
- Access to surcharge-free ATM network (The Exchange®)
- Interest paid monthly, calculated on minimum daily balance
*Cheap Chequing
Student Chequing Account for anyone 17 to 25
Features and Benefits:
- Free debit card transactions
- Free transfers between accounts
- Free cheques
- Free bill payments
- Student Mastercard (OAC)
- Free MemberDirect®
- Free Mobile app
- Free Me-2-Me transfers
- Free e-mail money transfers (via MemberDirect® )
- Access to surcharge-free ATM network (The Exchange®)
- Interest paid monthly, calculated on minimum daily balance
*FEE FREE
Value Plus Package Account - $3.95 / Month
Features and Benefits:
- 15 free debits per month
- 49¢ for any additional debit
- Free MemberDirect®
- Free Me-2-Me transfers
- email money transfers (via MemberDirect® )
- Free Mobile app
- Access to surcharge-free ATM network (The Exchange®)
- Interest paid monthly, calculated on minimum daily balance
Kiss Package Account - $8.85 /Month
Features and Benefits:
- 40 free debits per month
- 49¢ for any additional debit
- First order of personalized cheques are free
- No fee Mastercard (OAC)
- $5 off annual Safe Deposit Box rental
- Free Canadian official drafts
- Free over the counter bill payments
- Free MemberDirect®
- Free Me-2-Me transfers
- email money transfers (via MemberDirect® )
- Free Mobile app
- Access to surcharge-free ATM network (The Exchange®)
- Interest paid monthly, calculated on minimum daily balance
Kiss Plus Package Account - $11.95 /Month
Features and Benefits:
- Unlimited free debits
- First order of personalized cheques are free
- No Fee Mastercard (OAC)
- $5 off annual Safe Deposit Box rental
- Free certified cheques
- Free Canadian official drafts
- Free record keeping
- Free bill payments
- Free MemberDirect®
- Free Me-2-Me transfers
- email money transfers (via MemberDirect® )
- Free Mobile app
- Access to surcharge-free ATM network (The Exchange®))
- Interest paid monthly, calculated on minimum daily balance
*The "It" Account
Self Serve chequing account
Features and Benefits:
- No Monthly Fee
- No Minimum Monthly Balance Required
- Free Unlimited Chequing
- Free Unlimited debit transactions in Canada
- Free unlimited electronic and pre-authorized debits and credits
- Free unlimited bill payments paid online and at KCCU’s ATMs
- Free online statements with cheque images
- Free first order of 50 basic personalized cheques
- Free MemberDirect®
- Free Me-2-Me transfers
- email money transfers (via MemberDirect® )
- Free Mobile app
- Access to surcharge-free ATM network (The Exchange®)
- Interest paid monthly, calculated on minimum daily balance
Applicable Full Service Fee Note:
In-branch/over the phone transactions are subject to fees as follows:
- Over the counter transactions (debit/credit) $1.00/transaction fee
- Over the counter bill payment $1.25/transaction plus $1.00/transaction fee
- Sundry Items (office cheques, certified cheques, etc... Applicable sundry charge plus $1.00/transaction fee
- In branch/over the phone inquiries/requests $2.00/transaction plus transaction fee (if applicable)
- Automatic transfer set up fee in branch/over the phone $2.00
- Statement or Account Information $2.00 per item.
*FEE FREE
*The Golden Account for Seniors
For our Members 59 years and older.
Features and Benefits:
- Free unlimited transactions
- No minimum balance
- First order of personalized cheques free
- Free in-branch bill payments
- No fee Mastercard (OAC)
- $5.00 off annual Safe Deposit Box rental
- Free record keeping
- Free MemberDirect®
- Free Me-2-Me transfers
- email money transfers (via MemberDirect® )
- Free Mobile app
- Access to surcharge-free ATM network (The Exchange®)
- Interest paid monthly, calculated on minimum daily balance
*FEE FREE
Savings Accounts
FAT CAT® Account For Children
Features and Benefits:
- For newborns up to 12 years of age
- Free unlimited transactions
- Free MemberDirect®
- Free Mobile app available
- Fat Cat Rewards Club card
- Interest paid monthly, calculated on minimum daily balance
"Let Us Help Make Banking Fun"
The HEADSTART® Account
Features and Benefits:
- For Teenagers 13 to 18
- Free unlimited transactions
- Full chequing privileges if approved
- Minimum balance of $10 must be maintained to earn interest
- Free record keeping
- Free MemberDirect®
- Free Mobile app
- Interest paid monthly, calculated on minimum daily balance
Special Savings Account
Features and Benefits:
- 2 free debits per month then 65¢ for any additional debits
- Free ATM access on The Exchange® network
- Free MemberDirect®,
- Free Mobile app
- Interest paid monthly, calculated on minimum daily balance
High Interest Savings Account (HISA) 
Features and Benefits:
- For members wanting a more flexible GIC alternative
- One (1) free debit per month then $5.00 for any additional debits
- Free MemberDirect®
- Free Mobile app
- Tiered interest
- Interest paid monthly, calculated on minimum daily balance
- One (1) per membership
- no debit card access
U.S. Dollar Savings Account
No service charges if you maintain $1,000 minimum monthly balance
Features and Benefits:
- 55¢ for any additional debit (if balance falls below $1,000)
- no chequing privileges
- Free record keeping
- Free MemberDirect®
- Free Mobile app
- ( balance inquiries only)
- Interest paid monthly, calculated on minimum daily balance
® FAT CAT, HEADSTART, MEMBERDIRECT and MEMBERDIRECT Design are registered trade-marks, MEMBER CARD and MEMBER CARD & Design are registered certification marks owned by Canadian Credit Union Association, used under license.