Account Questions

At Synergy, people come first and we are always looking for ways to provide you with the best products and convenient services to meet your needs. As the financial, technology and economic industries are constantly changing, it is important for us to re-evaluate our products, services, and the related costs, to ensure we are current, relevant and competitive in the marketplace. We love to find ways to make your banking easier, save you time, and enhance your member experience.

The following changes will be coming into effect January 2, 2020:

SmartPack for Seniors* (age 60+) 50% discount Free and unlimited transactions
SmartPack for Students** $120 annual rebate Free and unlimited transactions while in post-secondary PLUS one year following graduation
($120 annual rebate will be discontinued)
PowerPack Biz/ Ag $100/ month
150 transactions
$110/ month
Unlimited transactions
SmartPack Biz/ Ag - Level 3 $45/ month
75 transactions
$45/ month
70 transactions
Additional Transactions
(All Personal, Business and Ag Account Packs)
$1.00 $1.25
Paper statements (Business/ Ag Account Packs) $2.50 $4.00
Notice of Change (providing vendor with the correct account information) $7.50 $25.00
Customer Automated Funds Transfer (CAFT) n/a Free for PowerPack Biz/ Ag members

* Qualifying members will be eligible for one free account.
** There is no age limit. Must be a full-time student (A qualifying education program, lasting at least 3 consecutive weeks and requires a minimum of 10 hours of instruction or work in the program each week, not including studying time). Qualifying members will be eligible for one free account.

Your Account Pack options effective January 2, 2020:

How do I know which account is right for me?

Check out our personal Account Pack options:

  • PowerPack: If you do a lot of transactions each month and like the perks of extra benefits, such as a preferential US exchange rate, up to $120 off the annual fee on select credit cards and INTERAC e-Transfer†, Canadian and international ATMs rebates. Learn more
  • SmartPack: It's called smart for a reason - pricing moves month to month, depending on your balance and account activity. You don't need to update anything, and you get the best value. It's neat like that. Learn more
  • LitePack: Is best for someone looking for the bare esentials. It's a low cost account that offers minimal transactions and a free paper statement. Learn more
  • US ExchangePack: Do you spend money south of the border? Do you have a USD credit card? Yes? Then you'll probably like this account. Learn more
  • SaveDailyPack: Tuck money away for important things like emergencies and financial goals, while earning a competitive interest. You can even set up automatic deposits, so you can get closer to your dreams, one deposit at a time. Learn more

†Trade-mark of Interac Inc. Used under license

Do you have any Account Packs for Community Groups?

We love our communities and want to make our home better. After all, investing in our local communities creates a positive ripple effect. All community groups receive:

  • 75 transactions
  • $0/ month (a $45 value per month)
  • Free paper statements

As a community group, you must meet one or more of the following criteria:

  1. Must be a registered charity, OR
  2. Eligible to receive funding from a provincial or federal government body, OR
  3. Eligible to issue an official tax receipt or have the tax receipt issued by a governing body, OR
  4. Has a community improvement element in your organization mandate.

How can I save money/ be rewarded for my business?

We know you work hard for your money and want to be able to save as much money as you can. We appreciate your business and want to be able to provide you with the account packs that help you save money, and match what's best for you (our member), while rewarding your business at the same time. Here are a couple of ways you can save and be rewarded:

  • Relationship Rebate: If you have products or services in 2 of the 3 categories (eg. credit card, loan, investment/savings), you can save almost 30% off your monthly price each month on your PowerPack account pack. Save $96 per year with the Relationship Rebate. (This is rebated at the end of the month with your monthly price).
  • Ways to get to $0 monthly price: In all levels of the personal SmartPack, you can receive a $0 monthly price (with the minimum monthly balance waive). And, with the Smart feature, you automatically move to the level with $0 monthly pricing, if you have a minimum monthly balance (it does the work for you, getting you the best deal).
    • Youth (19 and under), full-time post seconday students and seniors (age 60+) are eligible for one free SmartPack Account with free and unlimited transactions.

How does the Insurance Benefits Package work?

Members are protected on purchases made using your MemberCard® Debit Card or a cheque with your personal PowerPack and SmartPack account.

  1. BUYER PROTECTION: Offers protection of most retail items for a fill 120 days after the purchase. The item is protected if it's stolen, dropped or otherwise damaged.
  2. EXTENDED WARRANTY: Doubles the warranty perior of a purchased item up to two years, as long as the manufacturer's warranty is valid in Canada for five years or less.
  3. PRICE GUARANTEE: On purchases made by the account holder, if they find a lower written advertised price within 60 days from the date of purchase they will be reimbused for the difference between the price paid and the lower advertised price.
- Buyer Protection and Extended Warranty Certificate of Coverage

®MEMBERDIRECT is a registered trade-mark owned by Credit Union Central of Canada, used under license.

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