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Personal Accounts

Featured Accounts

We’ve changed the names of our accounts and their descriptions. Effective November 1, 2022, you may notice the new account names when you login to MemberDirect, on your monthly account statement or when you open a new account.

Read our FAQ for more information about the name changes

Read more about changes to service charges

Essential

Overview

A pay as you go account with low transaction fees. Previously Personal Chequing.

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Features

  • No monthly fee
  • Free unlimited Interac e-Transfers
  • Free MemberDirect® online services
    • Bill payments
    • Cheque deposits using mobile deposit in the MemberDirect App
    • Transfers from OCU accounts
  • .75 / Cheque writing1 and pre-authorized payments
  • .75 / Interac direct payment access (Point of Sale)
  • Unlimited in-branch transactions
  • Free monthly electronic statement via online banking
  • Free unlimited ATM deposit and withdrawals at OCU branches and 4000+ other Exchange ATM’s
  • Revolving line of credit available on approved credit (OAC)
  • Coverdraft available at no charge
  • No minimum balance

1 Cost of printed cheques are not included

Core

Overview

A package account with unlimited basic transactions for a low monthly fee! Previously Maximizer Chequing.

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Features

  • $15 monthly fee1
  • Free unlimited Interac e-Transfers
  • Free unlimited Interac direct payment access (Point of Sale)
  • Free monthly electronic statement via online banking
  • Free unlimited in-branch transactions
  • Revolving line of credit available on approved credit (OAC)
  • Coverdraft available at no charge
  • Free MemberDirect® online services:
    • Bill payments
    • Cheque deposits using mobile deposit in the OCU app
    • Transfers from OCU accounts
  • Free unlimited cheque writing2 and pre authorized payments
  • Free unlimited ATM deposit and withdrawals at OCU branches and 4000+ other Exchange ATM’s
  • No minimum balance

1 Discounts for seniors and youth. See below for more information on accounts for seniors and youth.

2 Cost of printed cheques are not included

Momentum

Overview

A daily interest account with no minimum balance and minimal service charges. Previously Plan 24.

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Features

  • No monthly fee
  • Interest is calculated on closing daily balance and paid to the account monthly
  • Free unlimited Interac e-Transfers
  • .75 / Cheque writing1
  • .75 / Interac direct payment access (Point of Sale)
  • Free annual electronic statement via online banking
  • Automatic debits, credits, and Interac transactions allowed at a minimal charge.2
  • MemberDirect® bill payments at a minimal charge. (see fees here)
  • Free unlimited ATM deposit and withdrawals at OCU branches and 4000+ other Exchange ATM’s
  • Minimal charge ATM for access at non credit union ATMs
  • No minimum balance

1 Cost of printed cheques are not included

2 Discounts for seniors and youth. See below for more information on accounts for seniors and youth.

Accelerator

Overview

A non-registered savings account paying a very competitive interest rate; the entire balance earns the current rate of interest being paid to the account.

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Features

  • Two free withdrawal transactions per month
  • Accessible through a teller, MEMBERLINK® or at an ATM
  • $4.50 / Additional transactions
  • No cheques or automatic withdrawals
  • Interest calculated on the closing daily balance and paid monthly
  • No minimum balance

Accounts for Seniors

Our Core+ and Momentum+ accounts offer maximum benefits without any fees. For anyone over the age of 60 who can benefit from no-fee daily banking. Previously Golden 60 (Golden Chequing and Plan 24 Golden).

Features

  • No monthly fee
  • Interest calculated on closing daily balance and paid monthly (Momentum+ accounts only)
  • Free unlimited Interac e-Transfers
  • Free unlimited Interac direct payment access (Point of Sale)
  • Free monthly electronic statement via online banking
  • Free unlimited in-branch transactions
  • Revolving line of credit available on approved credit (OAC)
  • Coverdraft available at no charge
  • Free MemberDirect® online services:
    • Bill payments
    • Cheque deposits using mobile deposit in the OCU app
    • Transfers from OCU accounts
  • Free unlimited cheque writing1 and pre authorized payments (Core+ accounts only)
  • Free unlimited ATM deposit and withdrawals at OCU branches and 4000+ other Exchange ATM’s
  • Discount on safety deposit boxes
  • No minimum balance

1 Cost of printed cheques are not included

Accounts for Youth

(0 to 24 years)

Our Core and Momentum accounts for youth are specifically designed to meet the needs of our youth while establishing themselves on a limited budget. Previously Kudos.

Features

  • No monthly fee
  • Unlimited use of OCU’s ATMs and 4000+ other Exchange Network ATM’s across Canada.
  • 10 free withdrawals from any institution’s ATMs within Canada per month
  • 25 free transactions per month (Interac/Point of Sale, MemberDirect® Online Services, cheque writing, additional ATM withdrawals)
  • Daily interest on account paid monthly (Momentum accounts only)
  • No additional charges for ordering cheques (member pays for cheque cost only) (Core accounts only)
  • Free monthly electronic statement via online banking
  • Educational Loan/Line of Credit available on approved credit
  • Aura Loyalty Teen™ (ages 13-19) prepaid credit card available (Associated with parent’s Aura account)

USD Account

A USD account with nominal per item fees on your transactions!

Features

  • US dollar clearing and in-branch debits

  • Monthly statement included with Canadian funds statement

Membership Has Its Benefits.

Aura™ Loyalty is a reloadable prepaid Mastercard® and financial wellness app which offers discounts at participating merchants.

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