Bank a lot? On average, you do one transaction a day, with a few extra on the weekend. You need a package that provides for a variety of your day-to-day financial needs, while giving you the most for your dollar. YOUR 40 is ideally suited for you.


Monthly fee  $19.95
(Monthly fee is waived if a minimum balance of $3000 is maintained the entire month)

Package account includes 40 debit transactions

  •  Cheque processing
  •  Interac® Direct payment
  •  Pre-authorized debit
  •  Bill payments 
  •  CU affiliated ATM (Acculink®, EXCHANGE®) 


  •  2 Free Interac® ATM transactions per month


Self-Service Access at Your Fingertips


All our packages allow you to Access YOUR Money 24/7:

  • MemberDirect® online banking: transfer funds, pay bills, view and print interim statements 24 hours a day, 7 days a week.
  • Member Card® Debit Card
  • Credit Union affiliated ATM networks (EXCHANGE®, ACCULINK®) give you surcharge-free access to over 3200 ACCULINK® and EXCHANGE® ATMs throughout Canada.
  • Interac® and PLUS® ATM networks give you access to tens of thousands of ATMs around the world. Surcharge fees apply. 
  • Mobile Banking App for Apple and Android devices
  • Mobile Web Banking
  • Mobile Text Banking
  • TeleService® telephone banking: access your accounts by telephone  24/7 with toll free access from anywhere in North America. 1-800-963-4848.

Credit Union Assisted Service

  • Visit your credit union for sound advice and convenience right in your neighborhood.
  • Visit any credit union in Atlantic Canada representing 180 locations and receive services just like you were visiting your own credit union using our Inter-Credit Union (ICU) system.

Additional Access Options

  • Cheque writing
  •  Pre-Authorized Payments and Direct Deposits to save you time running to your branch to pay bills or cash cheques.

Managing YOUR Money

  • Record Keeping Options: Convenient e-statemetents is our electronic record keeping options: view, download or print your statement using MemberDirect online services, listen to your recent transactions using TeleService telephone banking or visit your credit union for interim statements. Monthly statement available with cheque images.
  • Overdraft protection available based on approved credit, so you can avoid the inconvenience and cost of insufficient funds.
* First transactions in any month are the ones included in the monthly fee. Per item charge applies to all transactions after the number included.
** Does not include surcharges from other institutions
®Interac is a registered trademark owned by Interac Inc. and is used under license.
®ACCULINK is a registered trademark owned by Credit Union Central of Canada and is used under license.
®EXCHANGE is a registered trademark owned by FICANEX® and is used under license.
®MemberDirect and TeleService are registered trademarks owned by Credit Union Central of Canada and are used under license.
®MasterCard is a registered trademark owned by MasterCard International Inc. and is used under license.
®PLUS is a registered trademark of Visa International and is used under license.






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