Chequing Account

At Moya Financial, we believe that you should have easy access to your money at a reasonable price. That is why we will not charge you for standard transactions on your account.

By opening a Chequing Account at our credit union, you can take advantage of the following benefits:

  • No monthly maintenance fees
  • Free online banking
  • No minimum balance required
  • MemberCard debit card available
  • Monthly statements available
  • No cheque service charges
  • Overdraft protection available, to save the cost and embarrassment of NSF cheques (subject to approval by our Credit Department)

To open your Moya Financial Chequing Account, simply:

  • Visit us at either of our four locations
  • Provide us with the following identification:
    • Social Insurance Number
    • Driver’s License, Passport, or Canadian Citizenship with a photo

Moya Financial maintains a limited supply of cash on hand. If you are cashing cheques in excess of $2,000 or withdrawing cash in excess of $2,000, a notification must be received by the credit union five business days in advance. 

Service Charges

Item Charge
Cheques & Debits FREE
NSF Item Return $40.00
Return Item Fee (Chargeback) $10.00
Cancelled Cheque Requests $1.50 per cheque
Overdraft Fee (Charge) $25.00 per Occurrence
Counter Cheque $1.00