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
Current rates are listed on the right.

Additional Serivces

  • 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

What You Need

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 Drivers’ License, Canadian Passport, Ontario Photo Card and a Birth Certificate.

Accepted secondary forms of ID include non-expired Credit Cards, Status Card, Fire Arms License and a Permanent Resident Card.

*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
  • This account is covered by the Deposit Insurance Corporation of Ontario.
Personal 1 Account* (Rates effective 2018-11-01)
$0 - $4,999 0.00%
$5,000 - $24,999* 0.15%
Golden accounts above $25,000* 0.25%
Become a member