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
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:
- Free debit card transactions
- Free transfers between accounts
- Free online bill payments
- Student Mastercard (OAC)
- Free MemberDirect®
- Free Mobile app
- Free unlimited Me-2-Me transfers
- Free unlimited incoming and outgoing e-mail money transfers (via MemberDirect® )
- Free withdrawal at KCCU ATMs
- Access to surcharge-free ATM network (The Exchange)
- Interest paid monthly, calculated on minimum daily balance
Value 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 Package Account - $10.00 /Month
Chequing Account for average use
Features and Benefits:
- 40 free debits per month
- 65¢ for any additional debit
- No fee Mastercard (OAC)
- Free MemberDirect®
- Free unlimited Me-2-Me transfers
- Free unlimited incoming email 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 Plus Package Account - $13.00 /Month
Chequing Account for unlimited use
Features and Benefits:
- Unlimited free debits
- No Fee Mastercard (OAC)
- Free record keeping
- Free bill payments
- Free MemberDirect®
- Free unlimited Me-2-Me transfers
- Free unlimited incoming email money transfers (via MemberDirect® ); $1.00 each for outgoing e-transfers
- Free Mobile app
- Access to surcharge-free ATM network (The Exchange®)
- Interest paid monthly, calculated on minimum daily balance
Self-Serve No fee Account
Features 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 /month
For Members 60 years and over
Features and Benefits:
- $6.00 monthly unlimited transactions
- Free in-branch bill payments
- No fee Mastercard (OAC)
- Free record keeping
- Free MemberDirect®
- Free unlimited Me-2-Me transfers
- Free incoming email money transfers (via MemberDirect® ); $1.00 for each outgoing transfer
- Free Mobile app
- Access to surcharge-free ATM network (The Exchange®)
- Interest paid monthly, calculated on minimum daily balance
Day to Day Savings Accounts
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
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
Save more using our Round Up feature.
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.