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Chequing
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FAQ Section
Visit our FAQ section for more information.
Rates
If you are looking for our rates, click here
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***Please note new plans and pricing effective January 1, 2008.
OMISTA Credit Union is dedicated to provide you with the most effective financial services and wise financial guidance to empower you to make the best decisions for your financial well-being.
We realize that your financial needs change throughout your lifetime, so these plans have been designed to meet the many different stages of your financial life.
Full Service Plans
Prime Plan
SmartCHEK Account
Under 25 Chequing
Standard Pricing
Overdraft Protection
Order Cheques
Full Service Plans
OMISTA Credit Union understands that your lifestyle requires a chequing account that is just as unique as you are. For day to day use or long term goals, OMISTA Credit Union offers a wide range of full service plans to meet your needs. One low monthly fee covers a bundle of frequently used services. You can choose from one of the account plans below.
Easy Access Plan ($7.95/month)
When basic chequing and electronic services are all you need this plan is the cost-effective choice.
UNLIMITED In-branch withdrawals & deposits
UNLIMITED On-line Banking
UNLIMITED TeleService® Inquiries
FREE Monthly Statement
The first 20 transactions* per month from these categories are included:
Credit Union ATM transactions
Cheques written
Debit Card purchases
Pre-authorized payments
TeleService® payments & transfers
MasterCard® Payment Card transactions
*Transactions in excess of 20 will be charged at our standard pricing
Performance Plan ($12.95/month)
UNLIMITED In-branch withdrawals & deposits
UNLIMITED On-line Banking
UNLIMITED TeleService® Inquiries
UNLIMITED Travellers Cheques, Canadian
Money Orders, Certified Cheques
FREE Monthly Statement
Also includes;
Discount on Safe Deposit Box
The first 45 transactions** per month from these categories are included:
Credit Union ATM transactions
Cheques written
Debit Card purchases
Pre-authorized payments
TeleService® payments & transfers
MasterCard® Payment Card transactions
*Transactions in excess of 45 will be charged at our standard pricing
Global Connect ($14.95/month)
UNLIMITED In-branch withdrawals & deposits
UNLIMITED On-line Banking
UNLIMITED TeleService® Inquiries
FREE Monthly On-line Statement
The first 60 transactions** per month from these categories are included:
Credit Union ATM transactions
Debit Card purchases
Pre-authorized payments
TeleService® payments & transfers
MasterCard® Payment Card transactions
*Transactions in excess of 60 will be charged at our standard pricing
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***Unlimited Plan ($16.95/month*)
UNLIMITED In-branch withdrawals & deposits
UNLIMITED On-line Banking
UNLIMITED TeleService® Inquiries, payments & transfers
UNLIMITED Credit Union ATM transactions
UNLIMITED Cheques written
UNLIMITED Debit Card purchases
UNLIMITED Pre-authorized payments
UNLIMITED MasterCard® Payment Card transactions
FREE Monthly Statement
Also includes;
2 other bank ATM withdrawals
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Prime Plan ($1.00 maintenance fee/month)
Seniors are important contributors to society and our Credit Unions. Seniors play an immensely positive role in the lives of families and communities across the province. All owners 59 years of age or older can enjoy the benefits of our Prime Plan chequing account.
The monthly transactions included in this plan are:
UNLIMITED In-branch withdrawals & deposits
UNLIMITED On-line Banking
UNLIMITED TeleService® Inquiries, payments & transfers
UNLIMITED Credit Union ATM transactions
UNLIMITED Cheques written
UNLIMITED Debit Card purchases
UNLIMITED Pre-authorized payments
UNLIMITED Canadian Money Orders
UNLIMITED Standard Personalized Cheques
UNLIMITED MasterCard® Payment Card transactions
FREE Monthly Statement
Also includes;
Preferred rate of interest on selected investments
Discount on Safe Deposit Box
No fee Travelers’ Cheques
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SmartCHEK (no monthly fee*)
The SmartCHEK account is designed for individuals who keep a higher balance and want to earn interest on their chequing account.
No more juggling funds between accounts to mesh regular deposits and savings with payments. A SmartCHEK account combines the convenience of chequing services with a daily interest savings account. It has a four-tiered interest structure so as your account balance increases so does your interest rate! If you maintain a minimum $500 balance throughout the month, this account includes:
UNLIMITED chequing transactions
UNLIMITED DirectPayment transactions
UNLIMITED OMISTA Credit Union ATM transactions
UNLIMITED pre-authorized payments
UNLIMITED MasterCard® Payment Card transactions
Detailed monthly statement or passbook updates
Interest calculated on daily closing balance, paid monthly
*If account balance falls below $500, transactions will be charged at our standard pricing.
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What's Up? (no monthly fee*) - Chequing or Savings
You have new opportunities to face everyday with school, home, work or your social life. OMISTA Credit Union offers you a simple solution to meet your banking needs.
UNLIMITED In-branch withdrawals & deposits
UNLIMITED On-line Banking
Interest earned on What's Up Savings
The first 6 transactions** per month from these categories are included:
Credit Union ATM withdrawals
Debit Card purchases
*Transactions in excess of plan amount will be charged our standard pricing.
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Got To Go! ($5.00/month)
You have new opportunities to face everyday with school, home, work or your social life. OMISTA Credit Union offers you a simple solution to meet your banking needs.
UNLIMITED In-branch withdrawals & deposits
UNLIMITED On-line Banking
UNLIMITED TeleService® Inquiries
FREE Monthly On-line Statement
3 other bank ATM withdrawals (excluding on-site fees)
The first 45 transactions** per month from these categories are included:
Credit Union ATM transactions
Cheques written
Debit Card purchases
Pre-authorized payments
TeleService® payments & transfers
*Transactions in excess of plan amount will be charged our standard pricing.
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***Standard Pricing Account (variable fees)
This account is the perfect choice for owners who don't have many monthly transactions or may be undecided what package to choose. Fees incurred are based on the actual cost for a particular transaction. At the end of every month fees for the services used are combined as one service charge.
Click here to view the standard pricing.
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Overdraft Protection
With overdraft protection, you don't have to worry about being overdrawn or having that cheque you just wrote being returned due to insufficient funds. Add this feature to your chequing account and the protection will activate automatically (up to approved amount).
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Order Cheques
To order cheques, please click here to login to your online banking. Once logged in, select the 'My Profile' tab on the right side of the page, then click on 'Order Cheques' on the left hand side of the page.
Have you updated your cheques to meet the new specs? Click here to learn more.
How can I get started with online banking?
To set up MemberDirect® access on your account(s) please visit one of our branches at 151 Cornhill Street @ St. George, Heritage Court or 1192 Mountain Road between 10 a.m. and 5 p.m. You will be given a PAC (Personal Access Code) and you can then go online to MemberDirect® to access you accounts. To view your account information, simply enter your account number and a password provided by OMISTA.
OMISTA also offers telephone banking. Click here to learn more.
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Wise Financial Guidance To Empower you
That's our difference. Every OMISTA Credit Union product, from mortgages to chequing accounts, comes with wise financial guidance. OMISTA's Financial Service Experts provide solutions to empower you to make the best decisions for your financial future. Everyone gets an expert (Not just the rich and famous).
We’d love to hear from you, so feel free to pick up the phone or head to the branch to speak with an expert today.
Contact us today to set up a chequings account today!
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