PERSONAL banking

Accounts

Personal Chequing

A basic no frills account. Easy to administer those day to day bills and expenses that must be paid. For those members writing a large number of cheques a Full Package Plan is available at a small monthly fee.

Account features:

  • Choice of personalized cheques at a very nominal cost.
  • No Charge buyer protection and extended warranty coverage provided for all purchases paid by cheque for those members with an activated Crocus MemberCARD.
  • Descriptive monthly statement and cancelled cheques provided at no charge.


PLAN 24 - Daily Savings

Don't lose another days interest. With a Plan 24 account your money grows daily. A great place to put some money that isn't needed for the moment.

Account features:

  • Interest is calculated on the closing daily balance and paid monthly.
  • Descriptive monthly statement provided at no charge.


Special Savings

A longer term savings plan that pays a higher rate of interest than the Plan 24 account.

Account features:

  • Interest is calculated on the minimum monthly balance and paid semi-annually.
  • Descriptive monthly statement provided at no charge for those months when account activity takes place


Golden Account

This account is for members 59 years & older.

There are no service charges for the following:

  • Debit Transactions
  • Crocus Credit Union ATM Deposits, Transfers and Withdrawals
  • Money Orders
  • Certified Cheques
  • Stop Payments
  • Safe Keeping
  • Internet and Telephone Banking.


Packaged Accounts

Transaction 30

If you are a person who rarely uses their membercard or write cheques we have a low cost solution that will suit your needs.

Account features:

  • Includes 30 debit transactions per month.
  • No service charges for money orders and travelers cheques.
  • Free certification of cheques
  • Free encashment of US cheques
  • Descriptive monthly statement and cancelled cheques included in the package.

Transaction 60

For our average member, we offer the Transation 60 chequing plan that will give you an ample amount of debit transactions for day-to-day banking.

Account features:

  • Includes 60 debit transactions per month.
  • No service charges for money orders and travelers cheques.
  • Free certification of cheques
  • Free encashment of US cheques
  • Descriptive monthly statement and cancelled cheques included in the package.

Full Package Plan

For large volume personal cheque writers this is the plan for you. A flat monthly fee gives you unlimited cheque writing privileges and debit purchases.

Account features:

  • Free personalized cheques with unlimited cheque writing and debit privileges.
  • No service charges for money orders and travelers cheques.
  • Free certification of cheques
  • Free encashment of US cheques
  • Descriptive monthly statement and cancelled cheques included in the package.


Surplus Shares

Share the wealth and prosperity of your Credit Union. Each year members share in the excess profits of the Credit Union through patronage allocations. The allocations are based upon your patronage and are used to purchase surplus shares, a form of capital investment which furthers the development of services at your Credit Union.

Account features:

  • Excess allocations above the maximum as set by the members at each Annual General Meeting are paid out in cash.
  • Surplus shares receive dividends each year as declared by the Board of Directors.
  • Surplus Shares are non redeemable except in case of members closing their accounts or becoming deceased.

Surplus Shares are not guaranteed by the Credit Union Deposit Guarantee Corporation