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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

Join a financial institution where you're treated like a VIP, regardless of your balance.

Open an account with Synergy CU online in just 10 minutes – it's quick, easy, and hassle-free!

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, Aviso Wealth1
**Minimum of $10,000 combined total within Category 3
1Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial 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, and ‘ding-free’ ATM usage across Canada. In addition, youth, post-secondary students, and seniors are eligible for one (1) free account.

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 Convera bank drafts

Benefits of connecting with an expert

Synergy experts live and work here.
They understand your challenges and opportunities.
Our experts have the skills and training to tailor innovative solutions to your unique financial needs.

Looking to expand your banking options?

As an existing member, you can open select accounts through our digital banking platform. It's quick and easy - just log in to your account using online banking or our mobile app, then go to the "Accounts" section and select "Open account." Follow the simple steps and you'll be up and running in no time.

Unlock a world of benefits when you select one of our PowerPack or SmartPack accounts and make retail purchases using your Member Card® debit card.

  • Relish in the added benefits of protection for up to 120 days* in case your purchase is stolen, dropped or damaged,
  • Receive up to 2 years of extended warranty* on products whose manufacturer's warranty is valid in Canada for five years or less, giving you ultimate peace of mind, and
  • Enjoy price protection for 60 days* from the date of purchase, ensuring you get the best value for your money.

Choose one of our exclusive accounts and indulge in these amazing benefits today!

*Please read the Certificate of Coverage for more details.
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