Daily Banking

Daily Banking From accounts and credit cards to timesaving services, we're here to make your daily banking as simple as possible.
Tools When it comes to money, having the right tools can give you the answers you’re looking for. How much do you need to save to buy a house? Or retire comfortably? What will it cost to send your kids to college? Our simple online tools can help. Go ahead. Check them out. You’ll be one step closer to your goal. Tools When it comes to money, having the right tools can give you the answers you’re looking for. How much do you need to save to buy a house? Or retire comfortably? What will it cost to send your kids to college? Our simple online tools can help. Go ahead. Check them out. You’ll be one step closer to your goal. Account Packages Pair your account with one of these packages to save on monthly fees: Electronic Package Electronic Package This account package is designed for members who prefer to do most of their banking online and electronically. With a monthly fee of only $9.00, this account offers 60 electronic debit transactions. All other transactions will incur regular service charges and your monthly statement will be sent to you electronically. Monthly fee: $9.00 Number of transactions: 60 electronic debit transactions not including Interac and Cirrus transactions Electronic statements only Premium Package Premium Package From cash withdrawals to account transfers, you can do it all economically with our Premium Package. From free personalized cheques and a detailed monthly statement this account is designed to help you easily manage and save your money, month after month. Monthly fee: $12.00 Number of transactions: 60 not including Interac and Cirrus transactions Superior Package Superior Package The Superior Package is suited to members who have active daily banking activity. It comes with unlimited transactions including cheque debits, cash withdrawals, free personalized cheques and transfers. It can also come with overdraft protection on approved credit. Monthly fee: $20.00 Number of transactions: unlimited not including Interac and Cirrus transactions Electronic Services Online banking and other handy services that make life easier: MemberDirect® Internet Banking MemberDirect® Internet Banking Our free MemberDirect® Internet Banking gives you access to your account online, 24 hours a day, 7 days a week, making it easy to take care of both personal and business banking transactions when it works for you. You can use MemberDirect® Internet banking to do the following: pay bills check account balances and transaction history transfer funds between accounts make loan payments access an archive of your monthly statements (if you opt for eStatements) To get set up, just contact us. It’s as easy as that. Interact e-Transfers® Interact e-Transfers® If you’re looking for a quick, secure way to transfer cash, you’ll find that Interact e-Transfers® will fit the bill. It’s easy, completely secure and comes with very low transaction fees. You can use it to: move funds between bank accounts at participating financial institutions e-mail cash to friends and family receive payments from other Interact e-Transfers® users and participating vendors To sign up for Interact e-Transfers®, contact us today. Other NCCU Electronic Services Other NCCU Electronic Services Direct Deposit You can save a lot of time and hassle by having your payroll or government cheques automatically deposited into your chequing or savings account. You’ll have access to your funds the minute they are deposited into your account. Contact us to find out how to get direct deposit set up for you today. Automatic Transfers Make saving money and making payments easier by using automatic transfers between accounts. Not only will you be sure not to miss any important payments, you’ll see your savings grow with every transfer. PreAuthorized Debits With so many things to do, it’s easy to lose track of bill payments. That’s why we offer preauthorized debits that ensure that funds are automatically transferred from your account to the vendor on time every month. Just come into our branch or call us to make arrangements for your Pre-Authorized Debits and you’ll never have to worry about remembering to make bill payment dates again. Overdraft Protection Overdraft protection is a safety net that ensures that the funds you need are available when and if you need them (up to your approved limit). Contact us today to get set up for overdraft protection. Electronic Funds Transfer If you need to transfer money to another financial institution in Saskatchewan or Canada, or even the Ukraine, we can make it happen quickly and easily with an electronic funds transfer (money wire). Contact us today. We’ll be happy to help you get your funds wherever you want, on time. eStatements When you choose to receive your monthly account statements electronically rather than through the mail, you’re doing more than saving a tree. You’ll also be able to view archived imaged statements for the past 18 months. Everything you need to review and keep track of your finances will be at your fingertips, rather than hiding in your filing cabinet or stacked in your ‘to-be-filed’ pile. If you’d like to start receiving your statements electronically, you’ll need to be set up for MemberDirect® Internet banking. We’ll also need you to sign a consent form, giving us permission to discontinue your paper statements. To learn more about how to sign up for eStatements, contact us. We’re happy to help. Account Terms and Conditions Learn more here about the rights and responsibilities that come with having an account with NCCU: Personal Account Terms and Conditions Personal Account Terms and Conditions Business Account Terms and Conditions Business Account Terms and Conditions HTML	Personal Accounts Choose the account that fits your daily banking style and savings goals: Personal Chequing Personal Chequing If you’re looking for a no-frills way to manage your day-to-day banking, this simple account will work for you. You can use it to write cheques, pay bills and make deposits. The NCCU Personal Chequing Account can be paired with any of our account packages. MAXIMIZER® Account MAXIMIZER® Account This interest-bearing chequing account is designed for members who maintain higher account balances. With no account fees and interest paid monthly you can manage your account easily and watch your savings grow. The NCCU MAXIMIZER® Account includes no monthly fee if you maintain a minimum balance of $5000. It can also be paired with any of our account packages. MAXIMIZER® Basic Account MAXIMIZER® Basic Account This chequing account will work great for you if you have a high number of daily transactions and maintain a higher monthly balance. The NCCU MAXIMIZER® Basic Account includes 25 free transactions per month if you maintain a minimum balance of $1500. It can also be paired with any of our account packages Optimum Optimum As long as you have a minimum balance of $5000 in your account, you’ll earn monthly interest* with our Optimum Savings Account. You’ll also get one free withdrawal per month. Please note this interest rate is subject to change at any time. Tax Free Savings Account Tax Free Savings Account The Tax Free Savings Account (TFSA) makes growing your nest egg a little easier. The TFSA is a registered savings plan that allows you to invest up to $6,000 per year and withdraw funds whenever you want to, all without paying a penny in taxes on the investment income you earn. With a TFSA, you can: contribute a maximum of $6,000 per year interest paid monthly carry your unused contributions forward indefinitely hold a variety of investments Heritage Account Heritage Account If you’re ’60-or-better’, you’ll appreciate all of the perks our Heritage Account has to offer. Available with chequing or savings accounts, it can also be a joint account, even if only one member on the account is 60 or over. The NCCU Heritage Account includes: 25 free transactions 48 free cheques a year $5 discount on your safety deposit box rental Low Fee Account: Monthly fee $4.00 8 transactions a month Regular charges apply for anything above allowed number Additional Interac® and Plus/Cirrus fees apply Youth Accounts Specially designed for our younger members and students: Kirby Kangaroo Club Kirby Kangaroo Club Designed for our members aged 0-11, this account offers everything a child needs to learn about the value of saving money. It’s a great way for young savers to get started, comes with no service charges and shows kids just how great it can feel to watch their savings grow. The Kirby Kangaroo Club includes: no service charges interest paid monthly ATM/Direct Payment Access (only if authorized by parents) a chance to open a term deposit with only a $100 minimum initial deposit accounts can be in trust or owned by the youth Regular charges apply for anything above allowed number and Interac and Cirrus charges are not included. nCharge® Network nCharge® Network Our nCharge® Youth account is designed to help our members aged 12 -18 discover how easy it can be to save and manage money. This account earns you interest and comes with minimal service fees. Whether your money comes from an allowance, birthday presents or a paycheque from a part time job, the NCCU nCharge® account will help you learn how to make the most of it. The nCharge® Account includes: no service charge for debits, with the exception of Interac® and Cirrus interest paid monthly ATM/Direct Payment Access with an NCCU MEMBER CARD® debit card a chance to open a term deposit accounts can be in trust or owned by the youth Graduate Graduate We’ve tailored this special account to meet the needs of members who are college or university students. This service-charge free account helps out students on a shoe-string budget. It works well with our Student MasterCard®, Student Line of Credit and Student Loans. The Graduate Account features include: no service charge for debits, with exception of Interac® and Cirrus interest paid monthly ATM/Direct Payment Access with an NCCU MEMBER CARD® debit card monthly statement US Account A no-nonsense account in US funds that's convenient and easy to use: US Account US Account If you travel into the United States often, have frequent transactions in US funds or do business in US currency, this account can simplify your life. It will help smooth the ups and downs of exchange rates and make it easy to transfer funds to and from your US account to your Canadian account. Even if you do not use your US account often, you’ll value the flexibility it offers. The NCCU US Account includes: .10% interest Access to USD cheques Card Services Debit card solutions to make personal and business banking easier: MEMBER CARD® Debit Card MEMBER CARD® Debit Card Use this debit card to pay for purchases directly from your NCCU account as well as for all your day-to-day banking like withdrawals, transfers and bill payments. With your MEMBER CARD® debit card, you can make point of sale purchases and ATM withdrawals throughout the world. Getting your NCCU MEMBER CARD® debit card is quick and easy. Just come in for a visit or contact us to learn more. Collabria MasterCard® Collabria MasterCard® We offer our members a wide range of Collabria MasterCard® products, check our website: Collabria Credit Cards Lost or Stolen Cards Lost or Stolen Cards Lost or Stolen MEMBER CARD® debit card/ Collabria MasterCard® Call us at 306.653.1300 on Mon-Wed 8:30AM-4:30PM and Thu-Fri 8:30AM-5:30PM For Collabria, call 1-855-341-4643