Personal Accounts

Explore our range of chequing and savings accounts to find the perfect one for your short-term and long-term goals. New fees effective August 1st, 2025 including Free or reduced e-Transfer fees with select accounts.

Personal Accounts

Explore our range of chequing and savings accounts to find the perfect one for your short-term and long-term goals.

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Find the account that’s right for you

Chequing

Savings

HeadStart® Chequing

Ages 13-18. At age 19 this account changes to a Young Adult eChequing. 10 free Interac e-Transfers included.

Cheque Clearing	$0.75
Withdrawal/Transfer - in branch	$0.75
Member to Member Transfer - in branch	$0.75
Bill Payment - in branch	$1.50
Phone-in Transfer/Account History*	$2.00
Interac^® Point of Sale Payment	FREE
Bill payment - Internet	FREE
Pre-Authorized Transaction	FREE
ATM Withdrawal/Transfer at any credit union in Canada	FREE
ATM Withdrawal at any non-credit union in Canada	$1.50
ATM Withdrawal in U.S.	$3.50
ATM International Withdrawal	$3.50
Interac e-Transfer* 10 Free	$1.00
Transfer - Internet	FREE
Member to Member Transfer - Internet	FREE

Plus regular fees

Student eChequing

Ages 19-24. Must be a student. At age 25 or post-graduation, this account changes to an eChequing. 10 free Interac e-Transfers included.

First 30 transactions included:

Interac^® Point of Sale Payment	$0.70
Bill payment - Internet	$0.70
Pre-Authorized Transaction	$0.70
ATM Withdrawal/Transfer at any CU in Canada	$0.70

Additional charges:

Cheque Clearing	$0.85
Withdrawal/Transfer - in branch	$0.85
Member to Member Transfer - in branch	$0.85
Bill Payment - in branch	$1.50
Phone-in Transfer/Account History*	$2.00
ATM Withdrawal at any non-credit union in Canada	$1.50
ATM Withdrawal in U.S.	$3.50
ATM International Withdrawal	$3.50
Interac e-Transfer* 10 Free	$1.00
Transfer - Internet	FREE
Member to Member Transfer - Internet	FREE

Plus regular fees

Young Adult eChequing

$6 monthly. Ages 19-24. At age 25 this account changes to an eChequing. 10 free Interac e-Transfers included.

First 30 transactions included:

Interac^® Point of Sale Payment	$0.70
Bill payment - Internet	$0.70
Pre-Authorized Transaction	$0.70
ATM Withdrawal/Transfer at any credit union in Canada	$0.70

Additional charges:

Cheque Clearing	$0.85
Withdrawal/Transfer - in branch	$0.85
Member to Member Transfer - in branch	$0.85
Bill Payment - in branch	$1.50
Phone-in Transfer/Account History*	$2.00
ATM Withdrawal at any non-credit union in Canada	$1.50
ATM Withdrawal in U.S.	$3.50
ATM International Withdrawal	$3.50
Interac e-Transfer* 10 Free	$1.00
Transfer - Internet	FREE
Member to Member Transfer - Internet	FREE

Plus regular fees

Regular Chequing

One free cheque or debit for every $400 minimum monthly balance.

Cheque Clearing	$0.75
Withdrawal/Transfer - in branch	$0.75
Member to Member Transfer - in branch	$0.75
Bill Payment - in branch	$1.50
Phone-in Transfer/Account History*	$2.00
Interac^® Point of Sale Payment	$0.75
Bill payment - Internet	$0.75
Pre-Authorized Transaction	$0.75
ATM Withdrawal/Transfer at any CU in Canada	$0.75
ATM Withdrawal at any non-CU in Canada	$1.50
ATM Withdrawal in U.S.	$3.50
ATM International Withdrawal	$3.50
Interac e-Transfer*	$1.00
Transfer - Internet	FREE
Member to Member Transfer - Internet	FREE

Plus regular fees

eChequing

Everyday banking for $9.95 monthly. 5 free Interac e-Transfers included.

First 30 transactions included:

Interac^® Point of Sale Payment	$0.70
Bill payment - Internet	$0.70
Pre-Authorized Transaction	$0.70
ATM Withdrawal/Transfer at any credit union in Canada	$0.70

Additional charges:

Cheque Clearing	$0.85
Withdrawal/Transfer - in branch	$0.85
Member to Member Transfer - in branch	$0.85
Bill Payment - in branch	$1.50
Phone-in Transfer/Account History*	$2.00
ATM Withdrawal at any non-credit union in Canada	$1.50
ATM Withdrawal in U.S.	$3.50
ATM International Withdrawal	$3.50
Interac e-Transfer* 5 Free	$1.00
Transfer - Internet	FREE
Member to Member Transfer - Internet	FREE

Plus regular fees

Advantage Chequing

$17 monthly. Includes $5 off safety deposit box rental annual fee. 10 Free Interac e-Transfers included.

Cheque Orders	FREE
Cheque Clearing	FREE
Withdrawal/Transfer - in branch	FREE
Member to Member Transfer - in branch	FREE
Bill Payment - in branch	$1.50
Phone-in Transfer/Account History*	$2.00
Interac^® Point of Sale Payment	FREE
Bill payment - Internet	FREE
Pre-Authorized Transaction	FREE
ATM Withdrawal/Transfer at any credit union in Canada	FREE
ATM Withdrawal at any non-credit union in Canada	$1.50
ATM Withdrawal in U.S.	$3.50
ATM International Withdrawal	$3.50
Interac e-Transfer* 10 Free	$1.00
Transfer - Internet	FREE
Member to Member Transfer – Internet	FREE

Plus regular fees

Optimum Chequing

$22 monthly. Includes $25 off annual safety deposit box rental fee. Free Interac e-Transfers included.

Cheque Orders	FREE
Cheque Clearing	FREE
Withdrawal/Transfer - in branch	FREE
Member to Member Transfer - in branch	FREE
Bill Payment - in branch	$1.50
Phone-in Transfer/Account History*	$2.00
Interac^® Point of Sale Payment	FREE
Bill payment - Internet	FREE
Pre-Authorized Transaction	FREE
ATM Withdrawal/Transfer at any credit union in Canada	FREE
ATM Withdrawal at any non-credit union in Canada	FREE
ATM Withdrawal in U.S.	$3.50
ATM International Withdrawal	$3.50
Interac e-Transfer*	FREE
Transfer - Internet	FREE
Member to Member Transfer - Internet	FREE
Specific Stop Payment	FREE
Certified Cheque	FREE
Draft/Money Order	FREE

Golden Chequing

Ages 60+. Includes $5 off annual safety deposit box rental fee. 5 Free Interac e-Transfers included.

Cheque Orders	FREE
Cheque Clearing	FREE
Withdrawal/Transfer - in branch	FREE
Member to Member Transfer - in branch	FREE
Bill Payment - in branch	FREE
Phone-in Transfer/Account History*	FREE
Interac^® Point of Sale Payment	FREE
Bill payment - Internet	FREE
Pre-Authorized Transaction	FREE
ATM Withdrawal/Transfer at any credit union in Canada	FREE
ATM Withdrawal at any non-credit union in Canada	$1.50
ATM Withdrawal in U.S.	$3.50
ATM International Withdrawal	$3.50
Interac e-Transfer* 5 Free	$1.00
Transfer - Internet	FREE
Member to Member Transfer - Internet	FREE
Money Order	FREE

U.S. Dollar Chequing

Great if you get paid in U.S. dollars and travel to the U.S. frequently.

Cheque Clearing	$1.50
Withdrawal/Transfer - in branch	$1.50
Member to Member Transfer - in branch	$1.50
Phone-in Transfer/Account History*	$2.00

Plus regular fees

Fat Cat® Savings

Ages up to 13. At age 13 this account changes to a Plan 24® Savings. Interest calculated on daily balance, paid monthly.

Withdrawal/Transfer - in branch	FREE
Member to Member Transfer - in branch	FREE
Bill Payment - in branch	$1.50
Phone-in Transfer/Account History*	$2.00
Interac^® Point of Sale Payment	FREE
Bill payment - Internet	$1.00
Pre-Authorized Transaction	$1.00
ATM Withdrawal/Transfer at any CU in Canada	FREE
ATM Withdrawal at any non-CU in Canada	$1.50
ATM Withdrawal in U.S.	$3.50
ATM International Withdrawal	$3.50
Interac e-Transfer*	$1.00
Transfer - Internet	FREE
Member to Member Transfer - Internet	FREE

Plus regular fees

Plan 24® Savings

Interest calculated on daily balance, paid monthly.

Withdrawal/Transfer - in branch	$0.80
Member to Member Transfer - in branch	$0.80
Bill Payment - in branch	$1.50
Phone-in Transfer/Account History*	$2.00
Interac^® Point of Sale Payment	$0.70
Bill payment - Internet	$0.70
Pre-Authorized Transaction	$1.00
ATM Withdrawal/Transfer at any CU in Canada	$0.70
ATM Withdrawal at any non-CU in Canada	$1.50
ATM Withdrawal in U.S.	$3.50
ATM International Withdrawal	$3.50
Interac e-Transfer*	$1.00
Transfer - Internet	FREE
Member to Member Transfer - Internet	FREE

Plus regular fees

Golden Plan 24® Savings

Ages 60+. Interest calculated on daily balance, paid monthly.

Withdrawal/Transfer - in branch	FREE
Member to Member Transfer - in branch	FREE
Bill Payment - in branch	$1.50
Phone-in Transfer/Account History*	FREE
Interac^® Point of Sale Payment	$0.70
Bill payment - Internet	$0.70
Pre-Authorized Transaction	$1.00
ATM Withdrawal/Transfer at any CU in Canada	$0.70
ATM Withdrawal at any non-CU in Canada	$1.50
ATM Withdrawal in U.S.	$3.50
ATM International Withdrawal	$3.50
Interac e-Transfer*	$1.00
Transfer - Internet	FREE
Member to Member Transfer – Internet	FREE

Plus regular fees

Regular Savings

Interest calculated on min. monthly balance, paid annually.

Withdrawal/Transfer - in branch	$1.00
Member to Member Transfer - in branch	$1.00
Bill Payment - in branch	$1.50
Phone-in Transfer/Account History*	$2.00
Interac^® Point of Sale Payment	$1.00
Bill payment - Internet	$1.00
Pre-Authorized Transaction	$1.00
ATM Withdrawal/Transfer at any CU in Canada	$1.00
ATM Withdrawal at any non-CU in Canada	$1.50
ATM Withdrawal in U.S.	$3.50
ATM International Withdrawal	$3.50
Interac e-Transfer*	$1.00
Transfer - Internet	FREE
Member to Member Transfer – Internet	FREE

Plus regular fees

Golden Regular Savings

Ages 60+. Interest calculated on min. monthly balance, paid annually.

Withdrawal/Transfer - in branch	FREE
Member to Member Transfer - in branch	FREE
Bill Payment - in branch	$1.50
Phone-in Transfer/Account History*	FREE
Interac^® Point of Sale Payment	$0.70
Bill payment - Internet	$1.00
Pre-Authorized Transaction	$1.00
ATM Withdrawal/Transfer at any CU in Canada	$1.00
ATM Withdrawal at any non-CU in Canada	$1.50
ATM Withdrawal in U.S.	$3.50
ATM International Withdrawal	$3.50
Interac e-Transfer*	$1.00
Transfer - Internet	FREE
Member to Member Transfer – Internet	FREE

Plus regular fees

U.S. Dollar Plan 24® Savings

Interest calculated on daily balance, paid monthly.

Withdrawal/Transfer - in branch	$1.50
Member to Member Transfer - in branch	$1.50
Phone-in Transfer/Account History*	$2.00

Plus regular fees

Regular service fees

Cheque Orders	See Branch
Specific Stop Payment	$10.00
Certified Cheque	$10.00
Certified Cheque: non-member	$20.00
Draft/Money Order	$10.00
Draft/Money Order: non-member	$20.00
Official Cheque	$10.00
Debit Card Replacement	$10.00
Bill Payment: non-member	$3.00
Post-Dated Items	$2.00
NSF Return Charge	$45.00
Cheque Cashing: non-member	$20.00
Coin Handling (if rolled): member	FREE
Coin Handling (not rolled): member	3% of total
Coin Handling: non-member (min. charge of $5.00)	5% of total
Fax/Photocopies	$1.00/page
Fax/Photocopies: non-member	$2.00/page
Cheque Copies	$1.00/item
Duplicate Statement	$2.00/statement
Foreign Currency: non-member (limit of $200.00)	$10.00
Estate processing Fee	$75.00

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Personal Accounts

Personal Accounts

Find the account that’s right for you

HeadStart® Chequing

Student eChequing

First 30 transactions included:

Additional charges:

Young Adult eChequing

First 30 transactions included:

Additional charges:

Regular Chequing

eChequing

First 30 transactions included:

Additional charges:

Advantage Chequing

Optimum Chequing

Golden Chequing

U.S. Dollar Chequing

Fat Cat® Savings

Plan 24® Savings

Golden Plan 24® Savings

Regular Savings

Golden Regular Savings

U.S. Dollar Plan 24® Savings

Regular service fees

About Niverville Credit Union

Your banking options

Reach your financial goals