Fee Free Accounts

Fee Free options at KCCU!

We are doing something new at Kingston Community Credit Union. We have service charge-free accounts for all ages.

Choose the account (at the nearest branch) that best suits your needs!

Learn about Member Shares !

Would you like to set up an appointment - or click here to get started now.  Please check here for what you need to bring with you!


 The "It" Account 

Self Serve chequing account

Value PackageFeatures 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 cheque
  • 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 cheque certified cheque, etc... Applicable sundry charge plus $1.00/transaction fee 
  • In branch/over the phone inquiries/requests $2.00/transaction plus transaction fee (if applicable) 
  • Auto transfer set up fee in branch/over the phone $2.00
  • Statement or Account Information $2.00 per item.

 Cheap Chequing

like all free Student Chequing Account for anyone 17-25

Features and Benefits:

Golden SeniorsAnd! if you're 59 or over, Go fee free forever:

 The Golden Account for Seniors

For our Members 59 years and older.

Features and Benefits:

Fat CatSavings 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


® 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.