Accounts

GFCU Personal Accounts

There is no “One Size Fits All” financial lifestyle. We know this, and we are flexible. Our account managers are here to make sure you get all the features and options that best fit your needs. Have a look below to learn about some of our most popular accounts.

 

GFCU Personal Chequing Accounts Expand/Collapse

Pay-As-You-Go


This basic chequing account is ideal for the member who requires a few withdrawals each month for a minimum fee.

Super Chequing


This account works for the member who writes a lot of cheques and frequently uses their MemberCard, this account allows unlimited withdrawals for one low monthly fee.

Maximizer


The Maximizer is ideal for members who require a moderate number of withdrawals each month and who like to earn interest on the balance.

Maximizer 50


This account offers the same features and benefits with up to 50 withdrawals for one low monthly fee. Personalized cheques are free and there is no monthly fee for lines of credit under Maximizer 50 as well.

Feature Pay-As-You-Go Super Chequing Maximizer Maximizer 50
Monthly fee $3.25* $13.00 $3.25 $12.00
Monthly limit of assisted and self-service withdrawals None Unlimited None 50
Personalized cheques At Cost Free At Cost Free
Interest N/A N/A Tiered** Tiered**
Statement Monthly (+Cheque Images) Monthly (+Cheque Images) Monthly (+Duplicate Cheques) Monthly (+Duplicate Cheques)
Deposits Free Free Free Free
MemberCard® Free Free Free Free
Assisted service withdrawals: in-branch, transfers, etc. $0.75 Unlimited $0.75 Over Monthly Limit $0.75
Self-service Withdrawals: Interac, Cdn Credit Union ATM, MemberLink® & MemberDirect®, pre authorized bill payments, etc. $0.75 Unlimited $0.75 Over Monthly Limit $0.75
Non Credit Union ATM transactions (Canada) $2.00 $2.00 $2.00 $2.00
International ATM transactions (including US) $3.00 $3.00 $3.00 $3.00
Line of Credit monthly fee $2.00 Free $2.00 Free

*Monthly fee is waived if $1,000 is maintainted in the account for the full month

**Calculated on closing daily balance; paid to account monthly

 

GFCU Savings Accounts Expand/Collapse

Bonus Savings


This is our premium savings accounts for members who want to maintain a larger balance without placing funds into a term deposit.

Plan 24


This free account is ideal for members who maintain a low to moderate balance and require few withdrawals per month.

Plan 24 Plus


This account is intended for members who want to maintain low to moderate balances and require more withdrawals per month. The special pricing allows members 20 withdrawals per month at a significant discount.

Feature Bonus Savings Plan 24 Plan 24 Plus
Monthly fee None None $8.50
Monthly limit of assisted and self-service withdrawals 5 5 20
Interest Tiered* Flat Rate** Flat Rate**
Statement Monthly Annually Monthly
Deposits Free Free Free
MemberCard® Free Free Free
Passbook N/A N/A N/A
Assisted service withdrawals: in-branch, transfers, bill payments, etc Over Monthly Limit $5.00 Over Monthly Limit $0.75 Over Monthly Limit $0.75
Self-service withdrawals: Interac, Cdn Credit Union ATM, MemberLink® & MemberDirect®, pre authorized bill payments, etc. Over Monthly Limit $5.00 Over Monthly Limit $0.75 Over Monthly Limit $0.75
Non Credit Union ATM transactions (Canada) $2.00 $2.00 $2.00
International ATM transactions (including US) $3.00 $3.00 $3.00
Cheques $5.00 each $5.00 each $5.00 each

*Minimum deposit $5000 calculated on closing daily balance and paid monthly

**Calculated on closing daily balance; paid to account monthly

GFCU Golden Accounts (60+) Expand/Collapse

 

Golden - 60 Plus


This account is exclusively for members age 60 and up.

 

Feature Golden
Monthly fee None
Monthly limit of assisted and self-service withdrawals Unlimited
Personalized Cheques Free
Interest Tiered*
Statement Monthly (+Cheque Images)
Deposits Free
MemberCard® Free
Non Credit Union ATM transactions (Canada) $2.00
International ATM transactions (including US) $3.00
Line of credit monthly fee Free

*Calculated on closing daily balance; paid to account monthly

US Banking Accounts Expand/Collapse

 

US Account


This US account combines the benefits of a savings account with some chequing privileges. It is ideal for members who require limited withdrawals and wish to maintain a US dollar account to save for vacations and excursions south. MemberCard and ATM transactions are not available on this account.

 

Feature US Account
Monthly fee None
Interest Tiered*
Statement Monthly
Deposits Free
Assisted service withdrawals: in-branch, transfers, etc $1.25(USD)
Cheques $1.25(USD)

*Calculated on closing daily balance; paid to account monthly

GFCU Student and Youth Accounts Expand/Collapse


Fat Cat Savings Accounts


This no fee account is for elementary school aged children to help introduce them to the benefits of saving.

 

Headstart Savings Accounts


What happens to your Fat Cat account when it grows up, it becomes a Headstart account. This is available to young members until the age of 19, and comes with preferential pricing.
Feature Fat Cat Headstart
Monthly fee None None
Monthly limit of assisted and self-service withdrawals 5 50
Interest Flat Rate* Tiered**
Statement Annually Monthly
Deposits Free Free
MemberCard® N/A Free
Passbook Free N/A
Assisted service withdrawals: in-branch, transfers, bill payments, etc Over Monthly Limit $0.75 Over Monthly Limit $0.75
Self-service withdrawals: Interac, Cdn Credit Union ATM, MemberLink® & MemberDirect®, pre authorized bill payments, etc. N/A Over Monthly Limit $0.75
Non Credit Union ATM transactions (Canada) N/A $2.00
International ATM transactions (including US) N/A $3.00
Cheques N/A $5.00 each

*Calculated on closing daily balance; paid to account semi-annually

**Calculated on closing daily balance; paid to account monthly

 

Student Chequing Plans

These accounts are for our members who are full-time students. Monthly fees are waived. Included are up to 50 withdrawals per month, additional transactions are $0.75 each.

Feature Post-Secondary Pay-As-You-Go Maximizer
Monthly fee Fee Waived Fee Waived
Monthly limit of assisted and self-service withdrawals 50 50
Personalized Cheques At Cost At Cost
Interest N/A Tiered*
Statement Monthly (+cheque images) Monthly (+cheque images)
Deposits Free Free
MemberCard Free Free
Assisted service withdrawals: in-branch, transfers, bill payments, etc Over Monthly Limit $0.75 Over Monthly Limit $0.75
Self-service withdrawals: Interac, Cdn Credit, Union ATM, MemberLink & Member Direct, pre authorized bill payments, etc. Over Monthly Limit $0.75 Over Monthly Limit $0.75
Non Credit Union ATM transactions (Canada) $2.00 $2.00
International ATM transactions (including US) $3.00 $3.00
Line of Credit Monthly Fee $2.00 $2.00

*Calculated on closing daily balance; paid to account monthly




Dormant Accounts

An account will be classified as “Dormant” if it has not been accessed in 24 months.
Learn more about Dormant accounts >