Chequing

Personal Chequing

This is a no frills, non interest bearing chequing account with the following features:

• Pay as you go service charges; minimum $1.00 fee per month
• Access to MemberCARD debit card or Global Payment MasterCARD through any ATM or Point of Sale network
• Free 24 hours access to MemberDirect online banking or TeleService telephone banking
• Monthly itemized statement with imaged cheques for easy record keeping
• Overdraft protection or line of credit available to those who qualify

Maximizer Chequing

This interest bearing chequing account is great for those who wish to earn interest on their money with the convenience of writing cheques. Maximizer also has the following features:

• Free service charges where minimum monthly balance is greater than $1500. Minimum $2.00 service charge where balance is less than $1500 per month
• Access to MemberCARD debit card or Global Payment MasterCARD through any ATM or Point of Sale network
• Free 24 hours access to MemberDirect online banking or TeleService telephone banking.
• Monthly itemized statement with imaged cheques for easy record keeping
• Overdraft protection or line of credit available to those who qualify

If you prefer a package on your chequing account we have many options depending on how much you use your account.

Value Plan

• Attached to a Personal Chequing account
• $4.00 per month service fee
• 15 free debits per month excluding Interac, CIRRUS, and Plus ATM, utility bills and other ATM deposits
• Free access to MemberDirect online banking and TeleService telephone banking
• Monthly itemized statement with imaged cheques
• $5.00 overdraft fee
• Overdraft Protection Available (OAC), $2.00/month fee

Select Plan

• Attached to a Personal Chequing account
• $8.00 per month service fee
• 25 free paper and electronic debits per month excluding Interac, CIRRUS, and Plus ATM, utility bills and other ATM deposits
• Free access to MemberDirect online banking and TeleService telephone banking
• Monthly itemized statement with imaged cheques
• Line of credit and overdraft protection available (OAC) $2.00/month fee
• $5.00 overdraft fee

ePlan

• Attached to a Personal Chequing account
• $8.00 per month service fee
• 50 free electronic transactions and 2 free paper transactions per month, excluding Interac, CIRRUS, and Plus ATM
• In branch debits are $1.00 each
• Free access to MemberDirect online banking and TeleService telephone banking
• Monthly itemized statement with imaged cheques
• Line of credit and overdraft protection available (OAC) $2.00/month fee
• $5.00 overdraft fee

MasterPlan

• Can be attached to a Personal or Maximizer Chequing account
• Must be 18 years of age or older to qualify
• $12.50 per month service fee
• All free debits
• 2 free Interac and 2 free CIRRUS ATM transactions per month
• Free traveller's cheques "for one" included
• 5 free money orders or drafts per month
• Free access to MemberDirect online banking and TeleService telephone banking
• $5.00 discount on a Safety Deposit Box
• Minimum $500 Line of Credit or Overdraft Protection required
• Global Payment MasterCARD
• Choice Rewards included
• Monthly itemized statement with imaged cheques

Gold MasterPlan

• Can be attached to a Personal or Maximizer Chequing account
• Must be 18 years of age or older to qualify
• $22.50 per month service fee for single or $25.00 for joint accounts
• All free debits including ATM transactions
• In branch bill payments included
• Free personalized cheques (MasterPlan style only)
• Free traveller's cheques "for one" included
• 5 free money orders or drafts per month
• Free access to MemberDirect online banking and TeleService telephone banking
• $5.00 discount on a Safety Deposit Box
• Minimum $5000 Line of Credit or Overdraft Protection required
• Gold MasterCARD with Gold Card features
• 50% reduction on Choice Reward fees ($12)
• Monthly itemized statement with imaged cheques

Heritage 60

• Can be attached to a Personal Chequing account or Plan 24 PLUS account
• Must be 60 years of age or older to qualify
• No monthly maintenance fee
• All free debits (excluding in branch bill payments)
• 4 Interac and 4 CIRRUS ATM transactions per month
• Free personalized cheques (Heritage style only)
• Free traveller's cheques "for one" included
• 5 free money orders or drafts per month
• $5.00 discount on Safety Deposit Box
• Free access to MemberDirect online banking and TeleService telephone banking
• Monthly itemized statement with imaged cheques
• Line of Credit or Overdraft protection available (OAC) $2.00/month fee
• $5.00 overdraft fee
• GIC's greater than $5000 invested for 2-5 years may receive monthly interest at annual rates, payable to account only.

As part of our commitment to our communities we offer economical packages to suit your needs.

Community Account

• $2.00 monthly fee (waived with a minimum monthly balance of $1000)
• Fee includes 15 free debits (cheques or electronic) per month
• One free order of personalized cheques per year (personal size only)
• Monthly itemized statement with imaged cheques
• Free access to MemberDirect online banking and TeleService telephone banking

Registered Non Profit Account

• Must be a registered non profit organization to qualify
• No monthly maintenance fee
• All free debits (cheques or electronic) excluding Interac, CIRRUS, and PLUS ATM
• 1 order of personalized cheques per year (personal size only)
• Line of credit or overdraft protection with regular rates and charges (OAC) $2.00/month fee
• $5.00 overdraft fee

If you prefer to earn a higher rate of interest while still keeping your money liquid, these accounts are for you.

Premium Investment Chequing Account (PICA)

• Free service charges when minimum monthly balance of is greater than $25,000
• Tiered daily interest paid monthly
• Itemized monthly statement with imaged cheques
• Free access to MemberDirect online banking and TeleService telephone banking
• Access to MemberCARD debit card or Global Payment MasterCARD through any ATM or Point of Sale network
• Line of credit or overdraft protection (OAC) $2.00/month fee
• $5.00 overdraft fee

US Dollar Account

This account is designed for members who require access to US funds on a regular basis. The account allows you to you deal in US currency without converting your cash or cheque to Canadian funds. Chequing privileges are allowed on this account. The US account also features:

• Interest paid quarterly directly to the account
• No exchange fee
• Free access to MemberDirect online banking and TeleService telephone banking.
• Monthly itemized statement with imaged cheques
• Service charges do apply; $1.00 per month maintenance fee

1 free item per $750 monthly balance

There are numerous ways for you to order your cheques: 

• To view the different cheque style options, visit Davis&Henderson's website
• Visit your local branch
• Call our TeleService Contact Centre at 636-7700 or 1-80-863-1312
• Or send us an email