Chequing Accounts
Make day-to-day banking a breeze.
Choose your chequing account
All our accounts come with Interac® Direct Payment, Credit union affiliated ATM networks (surcharge-free access to over 3200 AccuLink® and EXCHANGE® ATMs throughout Canada), Overdraft protection available based on approved credit, Online banking, TeleService® telephone banking, Pre-authorized debit, Interac® (Canada) and CIRRUS® (international) ATM Networks give you access to ATMs around the world.
Does not include surcharges from other institutions and excludes YOUR US Chequing.
YOUTH Chequing Electronic
Overview
Ages 13-24. Access your accounts electronically using self-service options anytime, anywhere. No monthly fee.
Key features
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+10 Free e-transfers
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Unlimited electronic transactions
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Per-item fee for non-electronic transactions including in-branch, cheques, and Inter-Credit Union Services (ICU)
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2 Interac ATM transactions included
YOUTH Chequing Unlimited
Overview
Ages 13-24. Transact without limits. Get the ultimate in convenience, earning power and value-added account features. $3 per month.
Key features
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+12 Free e-transfers
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Unlimited transactions for one monthly fee, including:
- In-branch transactions, excluding system transfers
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Cheques
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Inter-Credit Union Services (ICU)
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4 Interac® (Canada) ATM transactions included*
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Personalized cheques, 1 order per year
YOUR Chequing
Overview
Ideal for your day-to-day financial needs with pay-as-you-go transaction fees. $4.00 monthly fee.
Key features
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4 Free e-transfers
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Transactions are charged on a per-item basis
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Interest calculated on daily closing balance, paid monthly
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Easy access to your money with:
- Inter-Credit Union Services
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Pre-authorized payments, direct deposits, in-branch service, cheques, and statement options
YOUR Chequing Electronic
Overview
Access your accounts electronically using self-service options anytime, anywhere. $14.50 per month.
Key features
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25% seniors discount to a maximum of $4.00
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Monthly fees waived with a minimum monthly balance of $2,500
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+10 free e-transfers
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Unlimited electronic transactions for one monthly fee
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Per-item fee for non-electronic transactions including in-branch, cheques, and Inter-Credit Union Services
- 4 Interac® ATM transactions included
YOUR Chequing 15
Overview
The perfect account if you only make a few transactions and want a low monthly fee. $6 per month.
Key features
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25% Seniors discount to a maximum of $4.00
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Monthly fees waived with a minimum monthly balance of $1,000
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E-transfers included
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15 transactions for one monthly fee, including:
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In-branch transactions
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Cheques
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Inter-Credit Union Services
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Per-item fee on additional transactions
YOUR Chequing 40
Overview
The perfect account if you average one transaction a day, with a few extra on the weekend. $11.75 per month.
Key features
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25% Seniors discount to a maximum of $4.00
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Monthly fees waived with a minimum monthly balance of $2,000
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E-transfers included
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40 transactions for one monthly fee, including:
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In-branch transactions
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Cheques
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Inter-Credit Union Services
-
- Per-item fee on additional transactions
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2 Interac® ATM transactions included*
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Personalized cheques, 1 order per year
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Safety deposit box discount of 20%
YOUR Chequing Unlimited
Overview
No limits on transactions. Get the ultimate in convenience, earning power and value-added account features. $23.75 per month.
Key features
-
25% Seniors discount to a maximum of $4.00
-
Monthly fees waived with a minimum monthly balance of $4,000
-
+12 Free e-transfers
-
Unlimited transactions for one monthly fee, including:
-
In-branch transactions
-
Cheques
-
Inter-Credit Union Services
-
-
5 Interac® (Canada) ATM transactions included†
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2 CIRRUS® (international) ATM transactions included†
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Personalized cheques, 1 order per year
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Unlimited drafts, money orders and certified cheques
YOUR US Chequing
Overview
Don't be bound by borders! Get an account to manage your US funds. $2 per month.
Key features
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Non-interest bearing with pay-as-you-go transactions
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Reduce the expense of converting Canadian dollars into US funds and back again
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Save on fees by buying US funds when the rates are favourable, rather than waiting for when you travel
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Convenient access to your money by visiting your credit union or writing cheques in US dollars
- Online banking
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TeleService® telephone banking
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Electronic transactions not available
Not sure which chequing account to choose?
We’ll be happy to help you pick the option that best suits your needs.
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Bank and pay your way
On your mobile device
View accounts, pay bills, transfer money, deposit cheques and more using our mobile app on your smartphone or tablet.
On your computer
Manage your money anytime from the comfort of your home with our intuitive online banking system.
Using mobile wallet
Turn your smartphone into your wallet with Apple, Google or Samsung Pay for quick, easy, and secure payments.
Via 3,000+ ATMs
Use our Canada-wide ATM network to access the money you need whenever you need it – surcharge-free.
Grow your money with PSCU
Your financial future is in great hands with our versatile investment products like TFSAs, RRSPs, term deposits and more.
Make home ownership a reality
Whether you’re saving for a down payment, buying your dream home or considering a renovation, we can help.
Level up your financial know-how
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Copyright 2025 Public Service Credit Union. All rights reserved.
Copyright 2025 Public Service Credit Union. All rights reserved.
