Personal Accounts

Personal Day to Day Banking

We offer a wide range of day to day chequing and savings accounts to best meet your needs, whatever they may be!

Start your account application online today or contact us to set up a time to meet.  


OVERVIEW OF ALL ACCOUNT FEATURES

FEE FREE Personal Accounts

 

Day to Day Chequing Accountspersonal one

Chequing / Savings Account for occasional use

Features and Benefits:

  • Pay as you go 
  • Free record keeping 
  • 65¢ per debit transaction
  • Free MemberDirect®
  • Free unlimited Me-2-Me transfers
  • Free unlimited incoming money transfers  (via MemberDirect®; $2.00 each for outgoing e-transfers
  • Free Mobile app
  • Free withdrawal at KCCU ATMs
  • Access to surcharge-free ATM network (The Exchange®
  • Interest paid monthly, calculated on minimum daily balance


*Fee Free

Youth and Student Account

Account for anyone up to age 25

Features and Benefits:Fat Cat


Kiss packageValue Plus Package Account - $4.00 / Month

Discount Chequing Account for moderate use 

Features and Benefits:

  • 15 free debits per month
  • 65¢ for any additional debit
  • Free MemberDirect®
  • Free unlimited Me-2-Me transfers
  • Free unlimited incoming money transfers  (via MemberDirect®; $1.00 each for outgoing e-transfers
  • Free Mobile app
  • Free withdrawal at KCCU ATMs
  • Access to surcharge-free ATM network (The Exchange®)
  • Interest paid monthly, calculated on minimum daily balance


Kiss PlusKiss Package Account - $10.00 /Month

Chequing Account for average use

Features and Benefits:


Kiss Plus Package Account - $13.00 /Month

Value Package

Chequing Account for unlimited use

Features and Benefits:


*E-Free Account

Self-Serve No fee Account

Value PackageFeatures and Benefits:  

  • No Monthly Fee 
  • Free Unlimited online transactions
  • Free Unlimited chequing/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 MemberDirect®
  • Free Me-2-Me transfers
  • Free incoming e-mail money transfers (via MemberDirect® )
  • 15 free outgoing e-mail money transfers/month; $1.00 for each transfer thereafter
  • 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) $2.00/transaction fee
  • in-branch bill payment $1.25/transaction plus $2.00/transaction fee 
  • Sundry Items (office cheques, certified cheques, etc... Applicable sundry charge plus $2.00/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

 

 Silver Account for Seniors - $6.00 /monthGolden Seniors

For Members 60 years and over

Features and Benefits:


Day to Day Savings Accounts

Special Savings

Special Savings Account

Features and Benefits:

  • 2 free debits per month then 75¢ for any additional debits
  • Free access to KCCU ATMS
  • 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
  • Maximum One (1) HISA per membership
  • no debit card access


U.S. Dollar Savings Account

Savings Account

Features and Benefits:

  • $1.00 per debit transaction
  • no chequing privileges
  • Free record keeping
  • Free MemberDirect®
  • Free Mobile app
  • ( balance inquiries only)
  • Interest paid monthly, calculated on minimum daily balance


OVERVIEW OF ACCOUNTS

Save more using our Round Up feature.

Account Opening Requirements

Terms and Conditions - Personal Accounts

 

® 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.