Personal 1 Account

This account is for you if:

  • You want to earn some interest while maintaining a chequing account
  • You maintain a daily minimum balance of $1,000 in your account

Account Features

This account earns interest and is considered pay-as-you-go. All the following service charges are waived if a minimum balance of $1000 is maintained throughout the month.
  • Canadian Cheque clearing
  • INTERAC® debit purchases with your MEMBER CARD®
  • Withdrawals (in-branch or at an EXCHANGE® branded ATM)
  • Bill Payments
  • Pre-Authorized Debits
  • Interac® Online Payment

Additional Benefits

  • FREE Online, Mobile & Telephone Banking
  • FREE Electronic Statements
  • FREE Online Cheque Viewing


This account earns interest calculated on the closing daily balance and paid monthly based on the following tiers:
  • Up to $4,999
  • $5,000 to 24,4999
  • $25,000 and over

Additional Services

  • INTERAC® e-Transfer
  • Single or Duplicate personalized cheques available
  • Overdraft Protection (O.A.C)
  • Using a Bank ATM (Interac®) or CIRRUS® ATMs (International)
  • Canadian and USD Bank Drafts
  • US Cheque Clearing
  • Receiving or Sending a Wire Transfer
  • Interac® Online Payment

Opening an Account

Opening an account with us is simple. You will need to bring 2 pieces of valid, non-expired government issued identification.

Accepted primary forms of ID include Driver’s Licence, Canadian Passport, Ontario Photo Card, Permanent Residence Card, Certificate of Indian Status Card and a Nexus Card.

Accepted secondary forms of ID include non-expired Credit Cards, Canadian Birth Certificate, Certified Statement of Live Birth, Old Age Security Card, Temporary Resident Permit, Record of Landing, Canadian Immigration Identification card and Certificate of Canadian Citizenship.

*Each active membership requires an investment in one $10.00 Member Share, which is refundable upon closing of the membership.

**Please note that without providing your Social Insurance Number, you are limited to the types of accounts you can open and will also have several restrictions placed on your account.

Ready to apply? Opening an account with us is easy!


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In Person

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By Phone

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  • Transactions include bill payments/withdrawals, clearing cheques, pre-authorized debits and credits, Interac Direct Payment, Deposit Anywhere® (Mobile Remote Deposit Capture), EXCHANGE® ATM transactions, Online Banking, Mobile Banking and Telephone banking transactions.
  • There are no charges for Deposits and Transfers completed using Online, Mobile, Telephone or In-Branch Banking.
  • Free transactions do not include items listed under additional services.
  • All fees are reviewed annually and are subject to change.
  • Overdraft Protection is granted upon On Approved Credit and is subject to the terms and conditions denoted on the Overdraft Application
  • Eligible deposits (not in registered accounts) are insured up to $250,000 through the Financial Services Regulatory Authority of Ontario (FSRA).
Personal 1 Account* (Rates effective 2020-07-17)
$0 - $4,999 0.00%
$5,000 - $24,999* 0.10%
Golden accounts above $25,000* 0.20%
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