Looking to switch your chequing account plan?
We recently recommended an account plan based on how you currently use your account. If you'd prefer a different option, you can compare plans or request a change below. Please note that Foam Lake member's account packages will remain unchanged at this time.
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Personal
Make everyday spending a breeze with debit cards, online banking, and e-transfers through a personal chequing account.
Business & Ag
Whether you're running a family farm or a growing small business, our chequing accounts are built to keep up with the hustle.
Community
Straightforward, affordable chequing accounts made for the people who make things happen in our communities.
COMPARE
Personal Accounts
Personal Chequing Accounts
| Features | Basic ChequingIncludes 12 free Debits (does not include e-Transfers) | Everyday ChequingIncludes 40 free Debits (44 transactions auto bumps to Tier 2) | Premium Chequing$25/month | Crossborder USDMust have CAD Chequing account |
|---|---|---|---|---|
| Monthly Fee | $4 | $8 (Tier 1) / $12 (Tier 2) | $25 | Free |
| Unlimited Transactions | Not included | Tier 2 only | Included | Not included |
| Free Unlimited Deposits | Included | Included | Included | Included |
| Free Incoming e-Transfers | Included | Included | Included | Not applicable |
| Outgoing e-Transfers | $1.50 | Free | Free | Not applicable |
| Ding Free ATM (Canada) | Included | Included | Included | Not applicable |
| Free Access to Digital & Mobile Banking | Included | Included | Included | Included |
| Free Cheque Order (qty 200) | Not included | Not included | Included | Not included |
| Credit Card Annual Fee Rebate* | Not included | Not included | Included | Not included |
| Free Certified Cheques/Stop Payments/MTC | Not included | Not included | Included | Not included |
| Free Small Safety Deposit Box | Not included | Not included | Included | Not included |
| Additional Transaction Fee | $1 | $1 (Tier 1) / $0 (Tier 2) | Not applicable | $1 USD |
| ATM Withdrawal (Interac, Non-CU) | $3 | $3 | Free | Not applicable |
| ATM Withdrawal (Plus/Cirrus Intl) | $4 | $4 | Free | Not applicable |
| Paper Statement Fee | $3 | $3 | $3 | $3 USD |
| Youth Rebate (Age 21 and under) | Not applicable | 100% of package fee | Not applicable | Not applicable |
| Senior Rebate (Age 60+) | Not applicable | 50% of package fee | Not applicable | Not applicable |
| Minimum Balance Waiver | Not applicable | Not applicable | $7,500+ | Not applicable |
* Everyday Chequing starts at $8/month (Tier 1). At 44 transactions it automatically bumps to Tier 2 at $12/month with unlimited transactions. Credit card annual fee rebates apply to the primary cardholder only
Savings Accounts
| Features | Everyday SavingsNo monthly fee | Premium SavingsNo monthly fee |
|---|---|---|
| Monthly Fee | Free | Free |
| Free Unlimited Deposits | Included | Included |
| Free Incoming e-Transfers | Included | Not applicable |
| Outgoing e-Transfers | $1.50 | Not applicable |
| Ding Free ATM (Canada) | Included | Not applicable |
| Free Access to Digital & Mobile Banking | Included | Included |
| Withdrawal Limits | 2 free Debits/month, then $1 each (excluding self-serve e-transfer to chequing) | 2 free Debits/month, then $3 each |
| ATM Withdrawal (Interac, Non-CU) | $3 | $3 |
| ATM Withdrawal (Plus/Cirrus Intl) | $4 | $4 |
| Paper Statement Fee | $3 | $3 |
| Interest Calculation | Daily | Daily |
| Interest Payment | Monthly | Monthly |
| Statement Frequency | Semi-annual | Semi-annual |
COMPARE
Business & Ag Accounts
Business & Ag Chequing Accounts
| Features | Everyday BusinessTier 1 includes 15 free debits (35 transactions auto bumps to Tier 2)Tier 2 includes 50 free debits (75 transactions auto bumps to Tier 3) Tier 3 includes 100 free debits | Premium BusinessUnlimited Perks | Premium AgUnlimited Perks | Crossborder USDMust have CAD Chequing account |
|---|---|---|---|---|
| Monthly Fee | $10 (Tier 1) / $30 (Tier 2) / $55 (Tier 3) | $75 | $55 | Free |
| Free Unlimited Transactions | Not included | Included | Included | Not included |
| Free Unlimited Deposits | Included | Included | Included | Included |
| Free Incoming e-Transfers | Included | Included | Included | Not applicable |
| Free Outgoing e-Transfers | Included | Included | Included | Not applicable |
| Ding Free ATM (Canada) | Included | Included | Included | Not applicable |
| Free Access to Digital & Mobile Banking | Included | Included | Included | Included |
| Free Cheque Order (qty 200) | Not included | Included | Included | Not included |
| Credit Card Annual Fee Rebate | Not included | Included | Included | Not included |
| Free Certified Cheques/Stop Payments/MTC | Not included | Included | Included | Not included |
| Complimentary CAFT (includes set up fee and monthly fee) | Not included | Included | Included | Not included |
| Additional Transactions Over Limit | $1 | Not applicable | Not applicable | $1 USD |
| ATM Withdrawal (Interac, Non-CU) | $3 | Free | Free | Not applicable |
| ATM Withdrawal (Plus/Cirrus Intl) | $4 | Free | Free | Not applicable |
| Paper Statement Fee | $3 | $3 | $3 | $3 USD |
| Minimum Balance Waiver | Not applicable | Not applicable | $25,000 | Not applicable |
* Everyday Business accounts are tiered. Tier 1 includes 15 free debits (35 transactions auto bumps to Tier 2). Tier 2 includes 50 free debits (75 transactions auto bumps to Tier 3). Tier 3 includes 100 free debits. Credit card annual fee rebate applies to primary cardholder only.
Savings Accounts
| Features | Everyday SavingsNo monthly fee | Premium SavingsNo monthly fee |
|---|---|---|
| Monthly Fee | Free | Free |
| Free Unlimited Deposits | Included | Included |
| Free Incoming e-Transfers | Included | Not applicable |
| Outgoing e-Transfers | $1.50 | Not applicable |
| Ding Free ATM (Canada) | Included | Not applicable |
| Free Access to Digital & Mobile Banking | Included | Included |
| Withdrawal Limits | 2 free Debits/month, then $1 each (excluding self-serve e-transfer to chequing) | 2 free Debits/month, then $3 each |
| ATM Withdrawal (Interac, Non-CU) | $3 | $3 |
| ATM Withdrawal (Plus/Cirrus Intl) | $4 | $4 |
| Paper Statement Fee | $3 | $3 |
| Interest Calculation | Daily | Daily |
| Interest Payment | Monthly | Monthly |
| Statement Frequency | Semi-annual | Semi-annual |
COMPARE
Community Accounts
Community Chequing Accounts
| Features | Community ChequingTier 1 includes 10 free Debits (11 transactions auto bumps to Tier 2) |
|---|---|
| Monthly Fee | $0 (Tier 1) / $10 (Tier 2) |
| Free Unlimited Transactions | Tier 2 Only |
| Free Unlimited Deposits | Included |
| Free Incoming e-Transfers | Included |
| Free Outgoing e-Transfers | Included |
| Ding Free ATM (Canada) | Not applicable |
| Free Access to Digital & Mobile Banking | Included |
| Free Cheque Order | Not included |
| Credit Card Annual Fee Rebate | Not included |
| Free Certified Cheques/Stop Payments/MTC | Not included |
| Complimentary CAFT (includes set up fee and monthly fee) | Not included |
| Additional Transactions Over Limit | Not applicable |
| ATM Withdrawal (Interac, Non-CU) | Not applicable |
| ATM Withdrawal (Plus/Cirrus Intl) | Not applicable |
| Paper Statement Fee | $3 |
| Minimum Balance Waiver | $5,000 (Tier 2 Only) |
Community Chequing accounts are tiered. Tier 1 includes 10 free debits, 11 transactions auto bumps to Tier 2.
Savings Accounts
| Features | Everyday SavingsNo monthly fee | Premium SavingsNo monthly fee |
|---|---|---|
| Monthly Fee | Free | Free |
| Free Unlimited Deposits | Included | Included |
| Free Incoming e-Transfers | Included | Not applicable |
| Outgoing e-Transfers | $1.50 | Not applicable |
| Ding Free ATM (Canada) | Included | Not applicable |
| Free Access to Digital & Mobile Banking | Included | Included |
| Withdrawal Limits | 2 free Debits/month, then $1 each (excluding self-serve e-transfer to chequing) | 2 free Debits/month, then $3 each |
| ATM Withdrawal (Interac, Non-CU) | $3 | $3 |
| ATM Withdrawal (Plus/Cirrus Intl) | $4 | $4 |
| Paper Statement Fee | $3 | $3 |
| Interest Calculation | Daily | Daily |
| Interest Payment | Monthly | Monthly |
| Statement Frequency | Semi-annual | Semi-annual |
Need help?
If you're still not sure which plan is right for you, or you're having trouble making a request, please reach out. Our branches can assist you via phone, or in-person at any of our locations.