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TRU ESSENTIALS CHEQUING ACCOUNT

No monthly fee, everyday chequing account.

 

Is this chequing account right for you?

 Right for you if:

  • You make regular transactions, electronic bill payments and transfers

 It might not be right for you if:

  • You want to earn interest
  • You make purchases in US Dollars

 

Tru Essentials Chequing Account Details
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$0 monthly fee

Includes 12 FREE debit transactions* per month:

  • $1.50** per debit transaction after the initial 12 free monthly debit transactions up to $9.00 per month
  • Deposits are always free and unlimited
  • FREE monthly electronic or mailed (if selected) statements
  • FREE unlimited transfers between your First West Credit Union accounts using Online Banking services or the Mobile App
  • Members who are under 19 years old benefit from no-fee banking with unlimited debit transactions until January 1 of the year the primary account holder turns 20. After that, standard account features and fees will apply.

No interest is paid on this account.

View Account Terms and Conditions (PDF)
*Debit transactions involve money leaving your account, and they can include point-of-sale purchases with your debit card, outgoing Interac e-Transfer®, Interac e-Transfer® fulfil requests, outgoing Me-to-Me transfers, in-branch withdrawals, ATM withdrawals via THE EXCHANGE® & ACCULINK® networks, bill payments, cheque clearing, preauthorized debits (PADI) and more. Island Savings credit card and CUMIS pre-authorized debits or bill payments are free using online banking services and mobile apps.

**Product terms, features and fees are subject to change, and we will provide appropriate notice as applicable and as may be required. Debit transactions over what the monthly package allows and any additional banking services you use may incur a fee. View Personal Service Fees to see our account & service fees.


Included with all personal accounts


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Manage your money anytime and from anywhere.

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Stay informed on account activity with instant account alerts.

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From November 1, 2021, to November 21, 2021, the members of First West Credit Union voted on special resolutions that, among other things, authorize First West to apply to become a federal credit union under the Bank Act. If First West becomes a federal credit union, it will automatically become a member of the Canada Deposit Insurance Corporation (CDIC) and Credit Union Deposit Insurance Corporation of British Columbia deposit insurance will no longer apply. See attached Notice for further detail on what this change means to your deposits with First West.
 

Debit transactions involve money leaving your account, and they can include point-of-sale purchases with your debit card, outgoing Interac e-Transfer®, Interac e-Transfer® fulfil requests, outgoing Me-to-Me transfers, in-branch withdrawals, ATM withdrawals via THE EXCHANGE® & ACCULINK® networks, bill payments, cheque clearing, preauthorized debits (PADI) and more. Island Savings credit card and CUMIS pre-authorized debits or bill payments are free using online banking services and mobile apps.

We will continue providing no-fee banking with unlimited transactions for members who are under 19 years old. Starting January 1 of the year the primary account holder turns 20 years old, the standard account features and fees will apply as defined above.​

Yes. However, our maximum fee of $9.00 per month offers unlimited transactions including unlimited Interac e-Transfer® which other financial institutions may charge for, even in a free seniors account.

It is free to move money between your First West Credit Union accounts using our online banking services and mobile apps

No. BIGChange® rounds up and deposits the difference into your specified eligible account whenever you make a purchase with your debit card. Making a purchase with your debit card will count towards your limit of 12 transactions per month, but BIGChange® deposits are currently free and will not count towards the transaction limit.

The Tru Essentials chequing account is an industry-leading everyday personal banking product that offers outstanding value. To see how this account compares with similar accounts at other financial institutions, use the Financial Consumer Agency of Canada Account Comparison Tool

This type of functionality is not currently available. However, you can keep an eye on your accounts with account alerts: free and easy-to-set-up digital notifications are an effective way to stay on top of unusual transactions or account activity. Receive an email and/or text message whenever important activity happens on your account, such as when your personal access code changes, or your account balance falls below a certain threshold. Set up alerts in online banking or the mobile app now, see how to set up here.

Not sure if this account is right for you?

We can help. Visit a branch or call us at 1-888-597-1083, and let's find the right solution together.

 
 

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