Chequing Accounts

KCCU offers a wide range of day-to-day chequing accounts to best meet your needs, whatever those needs may be!  

Pay as You Go
Regular Chequing

Chequing account for occasional use

Key Features:

  • Pay as you go @ 65¢ per debit transaction
  • 24/7 access to online or mobile banking
  • FREE incoming Interac e-Transfers® within Canada; $2.00 for each outgoing transfer
  • Access to surcharge free ATMs across Canada via THE EXCHANGE® Network
  • Available overdraft protection (OAC)
  • FREE monthly e-statement
  • Earn Interest (calculated based on minimum daily balance, paid monthly)
  • Savings and investment options available for higher returns

Value Plus:
$4 / Month

Discount chequing for moderate use 

Key Features:

  • Base fee of $4.00 per month which includes 15 debit transactions per month
  • 65¢ for each additional debit
  • 24/7 access to online or mobile banking
  • FREE incoming Interac e-Transfers® within Canada; $1.00 for each outgoing transfer
  • Access to surcharge free ATMs across Canada via THE EXCHANGE® Network
  • Available overdraft protection (OAC)
  • FREE monthly e-statement
  • Earn Interest (calculated based on minimum daily balance, paid monthly)
  • Savings and investment options available for higher returns

Keep it Simple (KISS):
$10/Month

Chequing Account for average use

Key Features:

  • Base fee of $10.00 per month which includes 40 debit transactions per month
  • 65¢ for each additional debit
  • 24/7 access to online or mobile banking
  • FREE incoming Interac e-Transfers® within Canada; $1.00 for each outgoing transfer
  • Access to surcharge free ATMs across Canada via THE EXCHANGE® Network
  • Available overdraft protection (OAC)
  • FREE monthly e-statement
  • Earn Interest (calculated based on minimum daily balance, paid monthly)
  • Savings and investment options available for higher returns

Keep it Simple (KISS) Plus:
$13/Month

Chequing Account for high use

Key Features:

  • Service fee of $13.00 per month which includes unlimited debit transactions
  • 24/7 access to online or mobile banking
  • FREE incoming Interac e-Transfers® within Canada; $1.00 for each outgoing transfer
  • Access to surcharge free ATMs across Canada via THE EXCHANGE® Network
  • Available overdraft protection (OAC)
  • FREE monthly e-statement
  • Earn Interest (calculated based on minimum daily balance, paid monthly)
  • Savings and investment options available for higher returns

® 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. 

® Trademark of Interac Inc. Used under license.

A third party is an individual or entity, other than the account holder or those authorized to give instructions about the account, who directs what happens with the account. For example, if an account were opened in one individual’s name for deposits that are directed by someone else, the other person or entity would be a third party.

  • A secondary piece of identification from the primary list above
  • Canadian Birth Certificate
  • Credit Card bearing the name and signature of the individual which has issued by a well-known and reputable Canadian financial institution
  • A CNIB (Canadian Institute for the Blind) client card bearing the individual’s photo and signature
  • Provincial Outdoors Card
  • Canadian University or College Student Card with photo (for student identification only)
  • An employee identification card (with photo) issued by an employer that is well known in the community (i.e. KGH, DND, Queens University, Corrections Canada, etc.)
  • Foreign passport
  • Canadian Passport
  • Permanent resident card
  • Citizenship card (issued prior to 2012)
  • Secure Certificate of Indian Status issued by the Government of Canada
  • Driver’s licenses issued by province or territory
  • The DND (Department of National Defense) 404 driver’s license
  • Nexus Card issued by Canada Border Services Agency
  • Provincial Service Cards
  • Provincial or territorial identity cards (i.e. Ontario Photo Identification Card)
  • Foreign Passport (only if it is equivalent to a Canadian issued photo identification document)