SmartPack

An account pack that offers a combination of transactions to suit your needs and will automatically adjust between 3 levels every month (based on your account balance and activity) so you get the best deal each and every month.

Personal SmartPack

Free: Expand/Collapse

"You have unlimited and free deposits."
- No matter what type of transaction you do or how it is performed, all deposits are free of charge, unlimited and do not count towards the transactions in your pack – a unique difference in the marketplace.

"You get free and unlimited internal system transactions."
- These transactions are set up in advance, are internal, and include:

  • Automatic transfer to another credit union account (investment, loan savings or chequing).
  • Online banking automatic scheduled transfer (includes loan payments).

"You get free and unlimited INTERAC e-Transfer† transactions."
- Free unlimited INTERAC e-Transfer transactions.

Definitions of Transactions

Flexibility: Expand/Collapse

"You receive a combination of transactions to meet your banking needs."
- Based on your level of account balance and activity, the banking system will automatically adjust between 3 levels to give you the best deal each month.

  • You can receive 12, 30 or unlimited free transactions in this pack.
    • Your SmartPack automatically adjusts between 3 levels each month to give you the best deal based on your activity and balance.
    • You get free and unlimited INTERAC e-Transfer† transactions.
    • All additional transactions: $1.00 each.

Save Time and Money: Expand/Collapse

"You save money because your account automatically adjusting between levels every month to give you the best deal and reducing your costs overall."
- The banking system automatically moves you between 3 levels (based on your account balance and activity) so you get the best deal each month – we call it the Smart feature.

  • Pay as low as $3.95 per month (or $0 with minimum monthly balance waive).
  • The Smart feature moves you to a $0 monthly price if you qualify for a minimum monthly balance waive.

Rewards: Expand/Collapse

"You can get $0 monthly pricing with a minimum monthly balance."
- If you have a minimum monthly balance in your account (as low as $1,500, your monthly price will be waived).

"You can continue to earn rate rebates and bonuses through ProfitShares on qualifying products."
- ProfitShares are now more accessible where you could get cash back each year (if you are above the ProfitShares limits within that year).
- Earn rate bonuses on non-registered savings/investments and rate rebates on most loans.

"As a senior, you can earn 50% off any personal account pack."
- Seniors (age 60 and over) can save on any personal account pack. You choose your account pack that meets your needs and you can save 50% off the monthly price.
- The savings are automatic – our system automatically saves you 50% off the monthly price, based on your birthdate. The savings automatically occur, where there is no need to apply.

"As a youth or student, you can earn rewards."
- Youth (under 19 years of age) can save 100% off their monthly price on the SmartPack. Save $16.95 per month or over $200 per year. The savings are automatic – our system rebates your monthly price, based on your birthdate.
- Full-time post-secondary students (60% course load or more) receive $125 instantly when they show their proof of registration each year. Receive your savings instantly and in a one lump sum payment. We know you work hard as a student and want to reward you.

Green: Expand/Collapse

"You receive e-Statements each month, free-of-charge."
- e-Statements are the default offering (paper statements are available on request with a charge of $2.50 per statement).
- A secure archive is available through MemberDirect® Online Banking. Or, you can easily and quickly search within your transactions on online banking by clicking on the account you would like to search and then entering the specific date range and type of transactions.

Security: Expand/Collapse

"You can rest assured, knowing your money is safe."
- Deposits fully guaranteed by Credit Union Deposit Guarantee Corporation.
- All of our convenient banking options have the highest level of security within the industry.

Additional Information:

Insurance Benefits Package

- Buyer Protection and Extended Warranty Certificate of Coverage

- Over limit pricing:

  • Non-credit union INTERAC® ATM (Canadian big banks) withdrawals – $2.00 each; and non-credit union CIRRUS® ATM (access your money internationally) - $4 each.
  • If you are going on a trip, ask us for a listing of nearby ATMs for your convenience. We'd love to help you save some time and easily access your money on your trip.

®MEMBERDIRECT is a registered trade-mark owned by Credit Union Central of Canada, used under license.
†Trade-mark of Interac Inc. Used under license.
®ACCULINK is a registered trade-mark owned by Credit Union Central of Canada, used under license.
®CIRRUS is a registered trademark owned by Cirrus Systems Inc. and is used under licence.
®MEMBER CARD is a registered certification mark owned by Credit Union Central of Canada, used under license.
™Android is a trademark of Google Inc., used under license.
®Apple is a registered trademark of Apple Inc., used under license.

 

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