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PERSONAL ACCOUNTS

We’ve streamlined our personal chequing accounts into flexible account packages designed to suit every banking style.

PowerPack Account
If you do a lot of transactions each month and like the perks of extra benefits, then the PowerPack could be a great fit.

  • monthly cost $27.95 ($19.95 with our relationship rebate)
  • unlimited transactions
  • unlimited INTERAC® e-Transfer
SmartPack Account
The SmartPack is convenient since it will automatically adjust between three levels each month based on your balance and account activity. That means you will always get the best deal every single month, saving you money.

Depending on the level you are in:
  • monthly cost ranges from $3.95 to $16.95 (free with minimum monthly balance)
  • monthly transactions included are 12 to unlimited
LitePack Account
If you have very few transactions a month, this may be a great option for you.

  • monthly cost $3.95
  • 8 transactions
U.S. ExchangePack Account
Do you spend money south of the border? Or have a U.S. dollar credit card? Yes? Then you’ll probably like this.

  • monthly cost $0.00
  • 1 transaction per $500 minimum monthly balance
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PowerPack Account

For one monthly fee, the PowerPack gives you unlimited transactions and access to almost every daily banking service we offer. Here’s how it works:
    • $27.95 monthly fee ($19.95 with our relationship rebate*)
    • unlimited transactions
    • free cheques (1 order per year)
    • preferential US exchange rate
    • $5 annual discount on safe deposit box
    • annual fee discount on Synergy Collabria Credit Card
    • free paper statements
    • 50% fee discount for seniors
    • ‘ding-free ’ ATM Usage across Canada

*PowerPack Relationship Rebate

Reduce the monthly fee to $19.95 when first person listed on your PowerPack holds products in two of these three categories.

Category 1: Credit Card


  • any personal Synergy Credit Union Collabria credit card

Category 2: Loans


  • personal mortgage, OR
  • personal term loan, OR
  • personal quick loan

Category 3: Investments or Savings**


  • registered (RRSP, TFSA, RRIF, etc.) iSave or non-registered iSave
  • registered (RRSP, TFSA, RRIF, etc.) or non-registered investments with Synergy Credit Union (term deposits, Wealth Accumulator, etc.)
  • investments with our partner, Credential Asset Management Inc. and Credential Securities1
**Minimum of $10,000 combined total within Category 3
1Mutual funds are offered through Credential Asset Management Inc. Mutual funds and other securities are offered through Credential Securities, a division of Credential Qtrade Securities Inc. Credential Securities is a registered mark owned by Aviso Wealth Inc.

SmartPack Account

The SmartPack is a three-level system that adjusts to your account balance and transaction activity to ensure your fees are as low as possible, right down to free if you maintain a minimum monthly balance. All three levels offer unlimited free INTERAC e-Transfer, an Insurance Benefit Package, the 50% fee discount for seniors and ‘ding-free’ ATM Usage across Canada.

SmartPack Level 1


  • pay zero fees when you maintain a monthly minimum balance of $1,500
  • pay $3.95 monthly for 12 transactions when your account balance is below $1,500
  • each additional transaction is $1.25
  • you are automatically bumped up to SmartPack level 2 after 18 transactions

SmartPack Level 2


  • pay zero fees when you maintain a monthly minimum balance of $2,500
  • pay $10.95 monthly for 30 transactions when your account balance is below $2,500
  • each additional transaction is $1.25
  • you are automatically bumped up to SmartPack level 3 after 35 transactions

SmartPack Level 3


  • pay zero fees when you maintain a monthly minimum balance of $3,500
  • pay $16.95 monthly for unlimited transactions when your account balance is below $3,500

LitePack Account

If you have just a handful of transactions every month and prefer a paper statement, the LitePack is the ideal choice for your everyday banking needs. Features of the LitePack include:
    • $3.95 monthly fee
    • 8 monthly transactions
    • additional transactions for $1.25 each
    • INTERAC® e-transfers for $1.50 each
    • free paper statements
    • ‘ding-free ’ ATM Usage across Canada


U.S. ExchangePack Account

If you do a lot of travelling or business in the U.S., this interest-bearing account is ideal for you. It offers you:
    • 1 free monthly transaction for every $500 minimum monthly balance
    • additional transactions for $1.25 each
    • easy access your funds in-branch or by using U.S. cheques or Western Union bank drafts

Insurance Benefits Package
When you choose one of our PowerPack or SmartPack accounts and make retail purchases, you get the added benefit of:
  • protection on the purchases of most retail items for 120 days if the item is stolen, dropped or damaged
  • up to two years of extended warranty on products whose manufacturers’ warranty is valid in Canada for five years or less
  • price protection for 60 days from the date of purchase
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