Operating Accounts

Key Features

Save on monthly fees.
The monthly fee is waived if you maintain a minimum daily balance in your account during the month on all Operating Accounts except the e-Select account.

Unlimited Transactions
Operate worry free with unlimited standard transactions on our e-Select and Signature Operating Account.

QuickSwitch your Account
Whether you’re ramping up for the season or planning an expansion, with just a phone call you can quickly and easily switch your Operating Account to avoid any excess service charges.

Operating Accounts are designed to complement a specific way of doing business. Select Operating Account is best suited for those with a couple deposits and payables each month where the Signature is designed for a retail or cash based business.

If you’re a Non-Profit, you get the same choice of accounts, and pay a discounted rate each month.

All our Operating Accounts come with Standard Transactions as part of the monthly fee.
Performing any one of the following transactions would be considered a Standard Transaction.

Standard Transactions†

Interac® e-Transfer
In Store Purchase
Mobile Wallet Purchase
CU ATM Withdrawal or Deposit
CU ATM Transfer
In Branch Transfer^††In Branch Cash Withdrawal or Deposit^†^†
Bill Payment^†^†
Interac® Flash
Online Bill Payments
Online Transfers
Automatic Payments
Direct Deposit
Cheques^†^†
Telepay™ Transfer
Telepay™ Bill Payment

Items, Cash and Coin included in all Accounts
All four of our Operating Accounts include enough Items, Cash and Coin to complement the included Standard Transactions. You only pay additional fees when you need more.

Non-Profit Pricing
All four of our Operating Accounts are offered to Non-Profit organizations with all the same great features as the regular version, but at a reduced monthly fee.

Operating Accounts

	e-SELECT	SELECT	STANDARD	SIGNATURE
Included Transactions
Standard Transactions^†	Unlimited electronic transactions	10/Transactions	40/Transactions	Unlimited
Items Deposited	-	10	40	200
Cash Deposited (Notes)	-	Up to $2,000 /Month	Up to $5,000 /Month	Up to $20,000 /Month
Coin Deposited	-	Up to $200 /Month	Up to $500 /Month	Up to $2,000 /Month
Point of Sale Deposits **	Unlimited	Available	Available	Available
Online Me-to-Me transfers	Unlimiited	Unlimited	Unlimited	Unlimited
Deposit Anywhere™	Unlimited	Unlimited	Unlimited	Unlimited
Interac e-Transfers	Unlimited	Included in Standard Transactions (10)	Included in Standard Transactions (40)	Unlimited
Additional Transactions
Standard Transaction^†^†	$5.00/Transaction	$1.25/Transaction	$1.25/Transaction	Free
Item Deposited	$0.20/Cheque	$0.20/Cheque	$0.20/Cheque	$0.20/Cheque
Cash Deposited (Notes)	$5.00 per $1,000 in Notes	$2.25 per $1,000 in Notes	$2.25 per $1,000 in Notes	$2.25 per $1,000 in Notes
Coin Deposited	$5.00 per $100 in Coin	$2.25 per $100 in Coin	$2.25 per $100 in Coin	$2.25 per $100 in Coin
Cross Border Debit	$1.50/Transaction	$1.50/Transaction	$1.50/Transaction	$1.50/Transaction
Interac® ATM	$1.50 /Withdrawal	$1.50 /Withdrawal	$1.50 /Withdrawal	$1.50 /Withdrawal
International ATM*	$4.00 /Withdrawal	$4.00 /Withdrawal	$4.00 /Withdrawal	$4.00 /Withdrawal
Non-encoded Cheques	$10.00 / Cheque	$5.00 / Cheque	$5.00 / Cheque	$5.00 / Cheque
Record Keeping
Online Statements with Cheque Images	Free	Free	Free	Free
Paper Statements with Cheque Images	Not available	$3.00 /Month	$3.00 /Month	$3.00 /Month
Pricing
Regular Price	$6.00/ Month	$7.00 /Month	$25.00 /Month	$80.00 /Month
Non-Profit Price	$3.00/Month	$3.50 /Month	$12.50 /Month	$35.00 /Month
Minimum Daily Balance Required to Waive Monthly Fee	Not Available	$6,000	$20,000	$65,000