Chequing and Packages
Personal Chequing Account
TECU offers our members the advantages of a NO FEE Chequing account. There is no per cheque fee, you can also enjoy free unlimited automated funds transfers, AFTs and EFTs as well as direct deposit. All without the usual minimum balance required or any monthly fees or service charges.
Banking Packages
We have several different packages to serve our members. Please review each package to find which is best for your financial needs.
|
Banking Packages |
Essential
|
Preferred
|
Infinite
|
Choice |
|
Total Dollar Participation Required (Loan or Deposits) |
$0-$9,999
|
$10,000
|
$25,000
|
N/A |
|
Monthly Fee |
None |
None |
None |
$14/month fee |
|
Services |
|
|
|
|
|
Chequing |
Free
|
Free
|
Free
|
Free |
|
TECU ATM Withdrawals and Deposits Per Month |
Unlimited Free
|
Unlimited Free
|
Unlimited Free
|
Unlimited Free |
|
CAD ATM Transactions through THE EXCHANGE® or Interac® Per Month* |
1.75 for each transaction
(Including Inquiry)
|
5 Free †
|
Unlimited Free
|
Unlimited Free |
|
CAD POS/Debit Card Transactions Per Month |
.75 for each trasaction
|
20 Free
|
|
Unlimited Free |
|
Bill Payments** |
2.00
|
Unlimited Free
|
Unlimited Free
|
Unlimited Free |
|
Online Banking |
Free
|
Free
|
Free
|
Free |
|
Online Banking
(Increased authentication) |
Free
|
Free
|
Free
|
Free |
|
Mobile Banking*** |
Free
|
Free
|
Free
|
Free |
|
Telephone Teller |
Free
|
Free
|
Free
|
Free |
|
Savings and Chequing Accounts |
Free
|
Free
|
Free
|
Free |
|
AFTs and EFTs |
Free
|
Free
|
Unlimited Free
|
Unlimited Free |
|
Stopped Payments**** |
15.00 each
|
5 Free per year
|
5 Free per year
|
5 Free per year |
|
Certified Cheques/Bank Drafts (CDN) |
10.00
|
Free
|
Free
|
Free |
|
Letters of Interest /Immigration |
25.00
|
Free
|
Free
|
Free |
|
Post Dated Cheques
(per cheque) |
2.00
|
Unlimited Free
|
Unlimited Free
|
Unlimited Free |
|
Travellers Cheques
(US, CDN, Sterling, Euro) |
Surcharge Free
|
Surcharge Free
|
Surcharge Free
|
Surcharge Free |
|
The Personal Home and Auto Insurance Elegibility |
Elegibile
|
Elegibile
|
Elegibile
|
Elegibile |
|
Discounted Loan Rates |
No Discount
|
Eligibility
|
Eligibility
|
No Discount |
|
Annual Membership Fee |
25.00 |
Exempt |
Exempt |
Exempt |
|
Deposit Anywhere Fee |
1.75 |
Unlimited Free |
Unlimited Free |
Unlimited Free |
|
TFSA Withdrawal***** |
15.00 |
10.00 |
Unlimited Free |
15.00 |
†
|
|
5 Free Withdrawals and 5 Free Deposits monthly
|
*
|
|
Transactions at THE EXCHANGE Network of ATMs are surcharge free but surcharges at source for Interac ATMs are not included in the packages. |
**
|
|
Bill Payments for Essential package are $.75 online. |
***
|
|
Carrier charges may apply. |
****
|
|
Does not include US cheques. |
***** |
|
First Withdrawal Free |
For a complete list of charges please click on to Service Fees below.

Overdraft Protection
With Overdraft Protection you can be covered in the event you run short on cash. You can save money by avoiding NSF fees, costly missed payments and bounced cheques. Overdraft Protection is available in amounts from $500 to $5,000.
