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How to reduce your service charges

Choose one of our fixed monthly fee plans

See Monthly plans.

Consolidate your accounts

Maintaining a higher balance in your accounts is an advantage: your plan could cost you nothing if you maintain the appropriate minimum monthly balance in your account. To do so, consolidate all your accounts into a single one.

Find out more – See Accounts

Sign up for AccèsD

AccèsD Internet makes it easier to manage your personal finances. This free online transactional service is accessible from anywhere in the world at any time*.

Find out more – See AccèsD Internet.

Use ATMs

Make your regular transactions at ATMs and save up to 40% on the fees that apply when you make them at the teller counter.

Try to use ATMs as often as possible since additional fees apply when you make withdrawals at other ATMs (Interac** network).

Automate your bill payments

Opt for direct withdrawal to pay your regular bills.

Find out more – See Direct withdrawal.

  • Open a bill payment file at your caisse. You can then pay your bills at the ATM quickly and easily. This will save you up to 73% on the service charges that apply to ATM payments of bills that are not registered in your file.
  • Pay your bills safely through AccèsD (Internet or Telephone) from the comfort of your home. You can even program your payments in advance.

Find out more – See Bill payments.

Use direct payment

Direct payment service charges for using your Access Card are up to 35% lower than the fees that apply to payments by cheque or withdrawals at the counter.

Many stores also let you make withdrawals at the same time as your purchases.

Find out more – See Access Card.

Opt for direct deposit

You can easily have your salary, family allowance, welfare benefits and annuity payments deposited directly in your account, from the comfort of your home.

Find out more – See Direct deposit.

Choose automatic transfers

You can avoid having to issue a series of cheques and transfer money between your accounts in a single folio or between folios held in 1 or more caisses. You won’t have to pay fees for transfers between accounts in the same folio.

Find out more – See Transfers between accounts.

* The service is available 24 hours a day, 7 days a week (except on Sundays, from 2:00 a.m. to 6:00 a.m., EDT).
** Registered trademark of Interac Inc. Used under licence.

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