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Value  Plus Package Account - $3.95 / Month

Interest Calculation
Paid on Minimum Daily Balance paid Monthly

Features and Benefits:
15 free debits per month
49¢ for any additional debit
Free MemberDirect online banking
Free ATM access on the Exchange Network

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The Personal One - Chequing/Savings Account

If minimum monthly balance of $900.00 is maintained chequing charges are waived (if balance falls below $900.00 then each debit is 49¢ Interest Calculation: Paid on Minimum Daily Balance paid Monthly

Features and Benefits:
monthly statement or passbook
cheques not returned (duplicate cheques recommended)
49¢ for any additional debit or point of sale
transaction
Free ATM access on the Exchange Network
Free MemberDirect access

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Regular Chequing Account - No Interest

Features and Benefits:
monthly statement or passbook
49¢ for any debit or point of sale transaction
Free ATM access on the Exchange Network
Free MemberDirect access

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Special Savings Account

Interest Calculation
Paid on Minimum Daily Balance paid Monthly

Features and Benefits:
monthly statement or passbook
49¢ for any additional debit or point of sale transaction
Free ATM access on the Exchange Network
Free MemberDirect access

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Interest Calculation
Paid on Minimum Daily Balance paid Monthly

Features and Benefits:
Tiered account so you get a higher interest rate (on the total balance)
55¢ for any additional debit (if balance falls below $1,000)
no chequing privileges
Quarterly statement or passbook available
Free MemberDirect access

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Kiss Plus Package Account - $11.95 / Month

Interest Calculation
Paid on Minimum Daily Balance paid Monthly

Features and Benefits:
Unlimited free debits
First 200 personalized cheques are free
Free MemberDirect Online banking
No Fee MasterCard (OAC)
No commission on traveller’s cheques
$5 off annual Safe Deposit Box rental
Free Certified Cheques
Free Canadian bank drafts
Statements Available online
Free over the counter bill payments
Free MemberDirect access

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Kiss Package Account - $8.85 / Month

Interest Calculation
Paid on Minimum Daily Balance paid Monthly

Features and Benefits:
40 free debits per month
49¢ for any additional debit
First 200 personalized cheques are free
No Fee MasterCard (OAC)
No commission on traveller’s cheques
$5 off annual Safe Deposit Box rental
Free Canadian bank drafts
Free over the counter bill payments
Free MemberDirect access

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Features and Benefits:

Free unlimited transactions
No minimum balance
First 200 personalized cheques are free
Free traveller’s cheques
Free MemberDirect online banking
Free in-branch bill payments
No fee MasterCard (OAC)
$5.00 off annual safe deposit box rental
Statement or passbook available

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Fat Cat Account For Children

Features and Benefits:
Newborn to 12 years of age
No service charges
Quarterly statement or passbook
Free MemberDirect online banking.
"Let Us Help Make Banking Fun"

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The Headstart Account
For Teenagers between the age of 13 and 18

Interest Calculation
Minimum Daily Balance, Paid Monthly

Features and Benefits:
No service charges
Full Chequing privileges if approved
Minimum balance of $10.00 must be maintained to earn interest
Monthly statement with cheques returned or passbook
Free MemberDirect online banking.

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Cheap Chequing Account
For College & University students

Interest Calculation
Minimum Daily Balance, Paid Monthly

Features and Benefits:
Free unlimited transactions
Interest earning Chequing / Savings account
A $500.00 limit MasterCard (OAC)
Personal computer purchase / loan program (OAC)
Free MemberDirect online banking.

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Current Account for business

Interest Calculation
Deposits Interest Bearing

$0.80 / debit or credit
Minimum $6.00 / month

Deposit Content Fees:
$1.80 per $1000 cash deposited
$1.80 per $100 coin deposited
$0.15 per cheque deposited
Monthly statement with cheques returned
$6.95 Monthly Fee for MemberDirect