No monthly account fee. No minimum balance. Free access to advisors.
flexiblity for your lifestyle
Casual spenders using up to 12 debit transactions1 per month pay $0, while active spenders can rest easy knowing they won’t pay more than $9 per month for unlimited debit transactions1.
|
Monthly fee |
$0 |
|
Free debit transactions |
12 |
|
Additional fee |
$1.50 |
|
Unlimited debit transactions |
$9 |
|
Minimum balance required |
$0 |
|
Earn interest |
No |
Transactions over what the monthly package allows, ATM transactions not via THE EXCHANGE® and ACCULINK® networks, and any additional banking services you use may incur a fee. View Personal Service Fees to see our account & service fees.
| No interest is paid on this account. |
|
| View Account Agreements and Disclosures (PDF) |
| Transaction | Fee |
| ATM withdrawal (via THE EXCHANGE® and ACCULINK® networks)† | $1.50 |
| ATM deposit (via THE EXCHANGE® and ACCULINK® networks) | Included |
| Cheque clearing | $1.50 |
| In-branch withdrawal | $1.50 |
| In-branch transfer out | $1.50 |
| In-branch utility bill payment / manual bill payment | $1.50 |
| In-branch deposit | Included |
| Electronic transfer between Tru Cooperative Bank accounts | Included |
| Electronic utility bill | $1.50 Envision Financial credit card and CUMIS bill payments are free using online banking services and mobile apps |
| Cheque deposit via mobile app | Included |
| Interac e-Transfer® incoming (CAD currency only) | Included |
| Interac e-Transfer® Autodeposit (CAD currency only) | Included |
| Interac e-Transfer® outgoing (CAD currency only) | $1.50 |
| Interac e-Transfer® Request Money | $1.50 |
| Point of sale purchase | $1.50 |
| Point of sale return | Included |
| Me-to-Me transfer incoming | Included |
| Me-to-Me transfer outgoing | $1.50 |
| Pre-authorized debit (payment) | $1.50 Automated pre-authorized debits into Envision Financial Credit Cards, CUMIS, and Aviso Wealth or Northwest & Ethical Investments L.P. accounts are not included in your monthly debit transaction count |
| Pre-authorized credit | Included |
†Does not include Interac® ATM withdrawals or International (including US) Cirrus® network ATM withdrawals. Withdrawals outside of THE EXCHANGE® and ACCULINK® networks will incur a fee - view those service fees here.
unlimited flexibility. limited cost.
Pay for what you need, avoid recurring fees, and get free access to expert advisors.
A collective of trusted local brands
At Tru Cooperative Bank, we’re an expanding collective of trusted financial services brands that are stronger together. We connect to people with education, advice and tools so they have the opportunity and confidence to build a life they love.
Proudly Canadian and 100% member owned
Envision Financial, a proud brand of Tru Cooperative Bank, combines the personalized approach of local banking with the resources to help you flourish.
Open your account and become a member.
Speak to an advisor or at the branch
Monday to Friday: 8 AM - 8 PM
Saturday: 8:30 AM - 4 PM
Sunday: 11 AM - 3 PM
Connect with a live agent
Monday to Friday: 9 AM - 5 PM
An advisor will get back to you
Debit transactions involve money leaving your account, and they can include point-of-sale purchases with your debit card, outgoing Interac e-Transfer®, Interac e-Transfer® fulfil requests, outgoing Me-to-Me transfers, in-branch withdrawals, ATM withdrawals via THE EXCHANGE® & ACCULINK® networks, bill payments, cheque clearing, preauthorized debits (PADI) and more. Collabria credit card and CUMIS pre-authorized debits or bill payments are free using online banking services and mobile apps.
