OMISTA Credit Union - Your Money

Your Money >> Chequing

Subscribe to our Quarterly eNewsletter for advice, contests and special offers

Click here to take our online Survey

Chequing

All account types not currently available at all OMISTA branches.
Please contact your branch for additional details.

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
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

***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

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

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.

Under 25 Accounts

You have new opportunities to face everyday with school, home, work or your social life. If you are under 25 years of age OMISTA Credit Union offers you a simple solution to meet your banking needs and our What's Up? and Got to Go! chequing accounts.

What's Up? (no monthly fee*) - Chequing or Savings

     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.

Got To Go! ($5.00/month)

     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.

***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.

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).

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. 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.

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.

Created and Maintained by WSI Internet - SYLC Solutions