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Chequing Accounts

What chequing product suits you best?  Compare and find out.
XPress Light 
Just the essentials, for just $3 a month. Pay only for the services you need, and waive most fees with a minimum monthly balance. 
  • $3 monthly fee
  • Monthly fee and select transaction fees* waived with a minimum $1,000 monthly balance
  • Overdraft protection and line of credit available upon qualification
  • Free deposits
Fees
Basic Chequing service charges ($5.00/month package fee)
Electronic Transactions:
Withdrawal (XPress or credit union ATM)* $0.50
Debit card purchase* $0.50
Pre-authorized payment debit* $0.50
Bill payment (online, mobile, telephone banking)* $0.50
Interac® Online Payment* $0.50
Intra-account CAD/CAD transfer (online, mobile, telephone banking) Free
Intra-account CAD/USD transfer (online or mobile banking)**
Free
Full-Service (in-branch) Transactions:
Debit (cheque, withdrawal, intra-account transfer)* $0.70
Additional Services:
ATM withdrawal (Interac®) $1.50
Interac® e-Transfer or Request Money $1.00
Bill payment (in-branch) $1.50
Remote deposit capture Free

**All cross-currency transfers through online or mobile banking are processed at the base tier  rate. For transfers greater than $25,000 please visit one of our branches. Please visit the US and Foreign Exchange rates page [Link Here] for current rates.

Note: Fees and rates are subject to change without notice at any time.

Celero Xpress Do More for Less
Low fees and numerous free transactions make this the perfect account for those who need more for less
  • $10 monthly fee 
  • Monthly fee waived with a minimum monthly balance of $5,000
  • Monthly fee waived if you’re under 18 or over 60
  • 40 free electronic transactions per month
  • 10 free in-branch transactions
  • Overdraft protection and line of credit available upon qualification
  • Free deposits
Fees
Celero XPress Do More for Less service charges ($10.00/month package fee)
Electronic Transactions:
Withdrawal (XPress or credit union ATM) $0.50
Debit card purchase $0.50
Pre-authorized payment debit  $0.50
Bill payment (online, mobile, telephone banking) $0.50
Interac® Online Payment $0.50
Intra-account CAD/CAD transfer (online, mobile, telephone banking) Free
Intra-account CAD/USD transfer (online or mobile banking)* Free
Full-Service (in-branch) Transactions:
Debit (cheque, withdrawal, intra-account transfer) $0.70
Additional Services:
ATM withdrawal (Interac®) $1.50
Interac® e-Transfer or Request Money $1.00
Bill payment (in-branch) $1.50
Remote deposit capture Free

*All cross-currency transfers through online or mobile banking are processed at the base tier ($0 - $24,999) rate. Tiered rates for transfers greater than $25,000 are only available in-branch. Please visit the US and Foreign Exchange rates page [Link] for current rates.

Note: Fees are subject to change without notice at any time.

Celero XPress Digital Package
Prefer to bank digitally? We get it! Enjoy unlimited digital transactions for just $8 a month.
  • $10 monthly fee (just $7 if you’re 18-24, or $3 if you’re under 18 or over 60)
  • The monthly fee is waived with a minimum monthly balance of $3,500
  • Free electronic transactions
  • 4 free Interac® e-Transfers per month
  • Overdraft protection and line of credit available upon qualification
  • Free deposits
Fees
Celero XPress Digital Package services charges ($8.00/month package fee)
Electronic Transactions: 
Withdrawal (XPress or credit union ATM) Free
Debit card purchase Free
Pre-authorized payment debit Free
Bill payment (online, mobile, telephone banking) Free
Interac® Online Payment Free
Intra-account CAD/CAD transfer (online, mobile, telephone banking) Free
Intra-account CAD/USD transfer (online or mobile banking)* Free
Full-Service (in-branch) Transactions:
Debit (cheque, withdrawal, intra-account transfer) $1.00
Additional Services:
ATM withdrawal (Interac®) $1.50
Interac® e-Transfer or Request Money  Free
Bill payment $1.50
Remote deposit capture Free

*All cross-currency transfers through online or mobile banking are processed at the base tier ($0 - $24,999) rate. Tiered rates for transfers greater than $25,000 are only available in-branch. Please visit the US and Foreign Exchange rates page [Link] for current rates.

Note: Fees are subject to change without notice at any time.

Celero XPress Unlimited 
Perfect for you if you bank a lot - this account offers unlimited transactions for a flat fee.
  • $20.00 monthly fee ($10 if you’re under 18 or over 60)
  • Monthly fee waived with a minimum monthly balance of $5,000
  • Unlimited transactions
  • 4 free ATM withdrawals (Interac®)
  • Free cheque orders, free Canadian and U.S. bank drafts
  • Free small safety deposit box
  • Earn daily interest on your closing balance
  • Overdraft protection and line of credit available upon qualification
  • Free deposits
Interest Rates
Interest is calculated on the daily closing balance using a tiered system, and paid on the last day of each month.
Balance Rate
on this portion ($0 - $4,999) 0.00%
on this portion ($5,000 - 24999) 0.05%
on this portion ($25000+) 0.10%

Note: Interest rates are subject to change without notice at any time.



Fees

Celero XPress Unlimited service charges ($20/month package fee)
Electronic Transactions:
Withdrawal (XPress or credit union ATM) Free
Debit card purchase Free
Pre-authorized payment debit Free
Bill payment (online, mobile, telephone banking) Free
Interac® Online Payment Free
Intra-account CAD/CAD transfer (online, mobile, telephone banking) Free
Intra-account CAD/USD transfer (online or mobile banking)* Free
Full-Service (in-branch) Transactions:
Debit (cheque, withdrawal, intra-account transfer) Free
Additional Services:
ATM withdrawal (Interac®) – four free per month $1.50
Interac® e-Transfer or Request Money Free
Bill Payment (in-branch) Free
Remote deposit capture Free

*All cross-currency transfers through online or mobile banking are processed at the base tier ($0 - $24,999) rate. Tiered rates for transfers greater than $25,000 are only available in-branch. Please visit the US and Foreign Exchange rates page [Link] for current rates.

Note: Fees are subject to change without notice at any time.

U.S.
For those who often shop in U.S. dollars, or need access to U.S. currency, this no monthly fee and no minimum balance account is for you.
  • No monthly fee
  • 2 free electronic and/or in-branch transactions
  • Free deposits
  • Free USD/CAD intra-account transfers using online or mobile banking.
  • Earn daily interest on your closing balance
Interest
Interest is calculated on the daily closing balance, using a tiered system, and paid on the last day of each month.
Balance  Rate
on this portion ($0 - $4,999) 0.00%
on this portion ($5,000 and over) 0.05%

Note: Interest rates are subject to change without notice at any time.

Fees
U.S. Chequing service charges (free monthly package fee)
Electronic Transactions:
Intra-account USD/CAD transfer (online or mobile banking)* Free
Pre-authorized debit $1.00
Full-Service (in-branch) Transactions:
Debit (cheque, withdrawal, intra-account transfer) $1.00

*All cross-currency transfers through online or mobile banking are processed at the base tier ($0 - $24,999) rate. Tiered rates for transfers greater than $25,000 are only available in-branch. Please visit the US and Foreign Exchange rates page [Link] for current rates.

Note: Fees are subject to change without notice at any time.


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