Skip to main content
 
Select Image

Unlimited Account

For members who want freedom of unlimited transactions.

Accounts

Choose from our simplified lineup of spending and savings accounts created to help you manage your money.

The accounts were designed by members for members to help you: 

  • Build and maintain healthy spending and savings habits 

  • Easily understand and select the account that best suits your lifestyle or business 

  • Make quick and easy financial decisions

Manage your day-to-day spending with ease with our spending accounts designed for the Essential, Everyday and Unlimited spender.

Essentials

Overview

For members who conduct minimal transactions.

Key Features
  • $1.95/month 
  • 10 self-serve and full-serve transactions including Interac® e-Transfers
  • Additional transactions $1*

Unlimited transactions:

  • Direct deposits 
  • Online transfer deposits
  • Online transfer withdrawals
  • Incoming Interac® e-Transfers 
  • Request for Interac® e-Transfers 
  • Smart device cheque deposits  
  • In-branch deposits
  • In-branch transfer deposits


Limited transactions (10 included): 

  • Outgoing Interac® eTransfers  
  • Online bill payments  
  • Cheque withdrawals 
  • Debit card purchases including point of sale and Interac online payment  
  • Pre-authorized debits 
  • Exchange Network ATM withdrawals (Non-Exchange Network ATMs may incur additional charges)
  • In-branch bill payments 
  • In-branch withdrawals 
  • In-branch transfer withdrawals
 

Everyday

Overview

For members who do most of their banking online or using the G&F app.

Key Features
  • $4.95/month** 
  • Unlimited self-serve transactions 
  • 10 full-serve transactions 
  • Additional transactions $1
  • **Free for members under 25 years old and over 60 years old 

Unlimited transactions include:

  • Direct deposits 
  • Online transfer deposits  
  • Online transfer withdrawals  
  • Incoming Interac® e-Transfers 
  • Request for Interac® e-Transfers 
  • Outgoing Interac® eTransfers  
  • Online bill payments  
  • Smart device cheque deposits  
  • Cheque withdrawals 
  • Debit card purchases including point of sale and Interac online payment  
  • Pre-authorized debits 
  • Exchange Network ATM withdrawals (Non-Exchange Network ATMs may incur additional charges)
  • In-branch deposits
  • In-branch transfer deposits


Limited transactions include (10 included): 

  • In-branch bill payments 
  • In-branch withdrawals 
  • In-branch transfer withdrawals
 

Unlimited

Overview

For members who want the freedom of unlimited transactions.

Key Features
  • $9.95/month 
  • Unlimited self-serve and full-serve transactions 

Unlimited transactions

  • Direct deposits 
  • Online transfer deposits  
  • Online transfer withdrawals 
  • Incoming Interac® e-Transfers 
  • Request for Interac® e-Transfers 
  • Outgoing Interac® eTransfers  
  • Online bill payments  
  • Smart device cheque deposits  
  • Cheque withdrawals 
  • Debit card purchases including point of sale and Interac online payment  
  • Pre-authorized debits 
  • Exchange Network ATM withdrawals (Non-Exchange Network ATMs may incur additional charges)
  • In-branch deposits
  • In-branch transfer deposits
  • In-branch bill payments 
  • In-branch withdrawals 
  • In-branch transfer withdrawals
 

US Dollar

Overview

For members who want to transact in US dollars and earn interest.

Key Features
  • $0/month 
  • 0 transactions included 
  • Hybrid spending and savings account 
  • Earn interest 
  • Transactions $1 USD 

Unlimited transactions include:

  • Direct deposits 
  • Online transfer deposits
  • Online transfer withdrawals
  • Smart device cheque deposits  
  • In-branch deposits
  • In-branch transfer deposits


Limited transactions include: 

  • Cheque withdrawals 
  • Pre-authorized debits 
  • Exchange Network ATM withdrawals (Non-Exchange Network ATMs may incur additional charges)
  • In-branch withdrawals 
  • In-branch transfer withdrawals

Manage your savings with our accounts designed for your short-term and long-term savings goals.

Everyday Savings

Overview

For members with short-term savings goals.

Key Features
  • $0/month 
  • Unlimited deposits 
  • 5 withdrawals 
  • Additional transactions $1* 

Unlimited transactions include:

  • Direct deposits
  • Online transfer deposits
  • Online transfer withdrawals
  • Incoming Interac® e-Transfers 
  • Request for Interac® e-Transfers 
  • In-branch deposits
  • In-branch transfer deposits


Limited transactions include (5 included):

  • Outgoing Interac® eTransfers  
  • Online bill payments  
  • Cheque withdrawals 
  • Debit card purchases including point of sale and Interac online payment  
  • Pre-authorized debits 
  • Exchange Network ATM withdrawals (Non-Exchange Network ATMs may incur additional charges)
  • In-branch bill payments 
  • In-branch withdrawals 
  • In-branch transfer withdrawals
 

High Interest Savings

Overview

For members with long-term saving goals.

Key Features
  • $0/month 
  • Unlimited deposits 
  • 2 withdrawals 
  • Higher interest 
  • Additional transactions $5* 

 Unlimited transactions include:

  • Direct deposits
  • Online transfer deposits
  • Online transfer withdrawals
  • Incoming Interac® e-Transfers 
  • Request for Interac® e-Transfers 
  • In-branch deposits
  • In-branch transfer deposits


Limited transactions include (2 included):
 

  • Online bill payments  
  • Cheque withdrawals 
  • Pre-authorized debits 
  • Exchange Network ATM withdrawals (Non-Exchange Network ATMs may incur additional charges)
  • In-branch bill payments 
  • In-branch withdrawals 
  • In-branch transfer withdrawals

Need help with a lost or stolen MemberCard?

Connect with us right away by calling the Member Hub at 604-419-8888. If you are travelling in Canada or the US, call 1-888-277-1043. For the international help desk, call 1-306-566-1276 collect.

Worry-free security

With your MEMBER CARD® debit card, you’re protected by one of the most secure payment technologies in Canada. Plus, with debit card fraud coverage, offered through Interac’s® Zero Liability Policy, you can rest assure that you’ll not be held liable for losses from unauthorized transactions. 

 

Statement of Commitment: Code of Conduct

G&F Financial Group is committed to upholding the Code of Conduct for the Credit and Debit Card Industry in Canada. The Code was designed to protect credit union members’ interests related to the issuance and acceptance of payment cards, and to the operation of payment card networks.  
 
* Unlimited transactions include: 
- Direct deposits 
- Online transfer deposits 
- Online transfer withdrawals 
- Incoming Interac® e-Transfers 
- Request for money Interact® e-Transfers 
- In-branch deposits 
- In-branch transfer deposits 

Self-serve transactions include: pre-authorized debits, bill payments, Exchange ATM withdrawals (including G&F ATMs), point of sale, online transfer deposits, online transfer withdrawals, Interac® e-Transfers (outgoing), Interac® e-Transfers (request for money) and cheque withdrawals.   
 
Full-serve transactions include: in-branch withdrawals and in-branch transfer withdrawals.  
 
Transactions at non-Exchange Network ATMs, foreign, and international ATMs will continue to incur the existing applicable fee.  
 
Additional transactions exceeding the package limit will be charged $1.00 for each self-serve transaction or full-serve transaction. For the High Interest Savings, additional transaction fees exceeding the package limit are $5.00 per each self-serve or full-serve transaction. 

Choose from our simplified lineup of spending and savings accounts created to help you manage your business.

The accounts were co-created by entrepreneurial business owners like you and designed to help your business grow. You’ll find the line up of business accounts to be:

  • Competitive

  • Cost effective

  • Accommodating to the growing needs of your business

Manage your business spending – whether you’re already established or just starting out.

Essentials Business

Overview

For business members with minimal banking needs.

KEY FEATURES
  • $6.95/month 
  • 10 self-serve and full-serve transactions 
  • Monthly fee waived when minimum monthly balance is held at $10,000 
  • Additional transactions $1.25* 

Unlimited transactions include:

  • Direct deposits 
  • Online transfer deposits
  • Online transfer withdrawals  
  • Incoming Interac® e-Transfers 
  • Request for Interac® e-Transfers 
  • Smart device cheque deposits  
  • In-branch deposits
  • In-branch transfer deposits


Limited transactions include (10 included): 

  • Outgoing Interac® eTransfers  
  • Online bill payments  
  • Cheque withdrawals 
  • Debit card purchases including point of sale and Interac online payment  
  • Pre-authorized debits 
  • Exchange Network ATM withdrawals (Non-Exchange Network ATMs may incur additional charges)
  • In-branch bill payments 
  • In-branch withdrawals 
  • In-branch transfer withdrawals
 

Everyday Business

Overview

For small business members.

Key Features
  • $24.95/month** 
  • 50 self-serve and full-serve transactions 
  • Monthly fee waived when minimum monthly balance is held at $50,000 
  • Additional transactions $1.25*
  • **Monthly fee waived for non-profit organizations  

Unlimited transactions include:

  • Direct deposits 
  • Online transfer deposits
  • Online transfer withdrawals  
  • Incoming Interac® e-Transfers 
  • Request for Interac® e-Transfers 
  • Smart device cheque deposits  
  • In-branch deposits
  • In-branch transfer deposits


Limited transactions include (50 included): 

  • Outgoing Interac® eTransfers  
  • Online bill payments  
  • Cheque withdrawals 
  • Debit card purchases including point of sale and Interac online payment  
  • Pre-authorized debits 
  • Exchange Network ATM withdrawals (Non-Exchange Network ATMs may incur additional charges)
  • In-branch bill payments 
  • In-branch withdrawals 
  • In-branch transfer withdrawals
 

Unlimited Business

Overview

For business members with high volumes of transactions.

Key Features
  • $49.95/month 
  • Unlimited self-serve and full-serve transactions 
  • Monthly fee waived when minimum monthly balance is held at $75,000 

Unlimited transactions

  • Direct deposits 
  • Online transfer deposits  
  • Online transfer withdrawals 
  • Incoming Interac® e-Transfers 
  • Request for Interac® e-Transfers 
  • Outgoing Interac® eTransfers  
  • Online bill payments  
  • Smart device cheque deposits  
  • Cheque withdrawals 
  • Debit card purchases including point of sale and Interac online payment  
  • Pre-authorized debits 
  • Exchange Network ATM withdrawals (Non-Exchange Network ATMs may incur additional charges)
  • In-branch deposits
  • In-branch transfer deposits
  • In-branch bill payments 
  • In-branch withdrawals 
  • In-branch transfer withdrawals
 

Business US Dollar

Overview

For business members who want to transact in US dollars and earn interest.

Key Features
  • $5.95/month 
  • 0 transactions included 
  • Hybrid spending and savings account 
  • Earn interest 
  • Transactions $1.25 USD 

Unlimited transactions include:

  • Direct deposits 
  • Online transfer deposits
  • Online transfer withdrawals
  • Smart device cheque deposits  
  • In-branch deposits
  • In-branch transfer deposits


Limited transactions include: 

  • Cheque withdrawals 
  • Pre-authorized debits 
  • Exchange Network ATM withdrawals (Non-Exchange Network ATMs may incur additional charges)
  • In-branch withdrawals 
  • In-branch transfer withdrawals

Manage your savings with our accounts designed for your short-term and long-term business savings goals.

Everyday Business Savings

Overview

For business members with short-term savings goals.

Key Features
  • $0/month 
  • Unlimited deposits 
  • 5 withdrawals 
  • Additional transactions $1.25* 

Unlimited transactions include:

  • Direct deposits
  • Online transfer deposits
  • Online transfer withdrawals
  • Incoming Interac® e-Transfers 
  • Request for Interac® e-Transfers 
  • In-branch deposits
  • In-branch transfer deposits


Limited transactions include (5 included):

  • Outgoing Interac® eTransfers  
  • Online bill payments  
  • Cheque withdrawals 
  • Debit card purchases including point of sale and Interac online payment  
  • Pre-authorized debits 
  • Exchange Network ATM withdrawals (Non-Exchange Network ATMs may incur additional charges)
  • In-branch bill payments 
  • In-branch withdrawals 
  • In-branch transfer withdrawals
 

High Interest Business Savings

Overview

For business members with long-term saving goals.

Key Features
  • $0/month 
  • Unlimited deposits 
  • 2 withdrawals 
  • Higher interest 
  • Additional transactions $5* 

 Unlimited transactions include:

  • Direct deposits
  • Online transfer deposits
  • Online transfer withdrawals
  • Incoming Interac® e-Transfers 
  • Request for Interac® e-Transfers 
  • In-branch deposits
  • In-branch transfer deposits


Limited transactions include (2 included):

  • Outgoing Interac® eTransfers  
  • Online bill payments  
  • Cheque withdrawals 
  • Pre-authorized debits 
  • Exchange Network ATM withdrawals (Non-Exchange Network ATMs may incur additional charges)
  • In-branch bill payments 
  • In-branch withdrawals 
  • In-branch transfer withdrawals

Need help with a lost or stolen MemberCard?

Connect with us right away by calling the Member Hub at 604-419-8888. If you are travelling in Canada or the US, call 1-888-277-1043. For the international help desk, call 1-306-566-1276 collect.

 

Statement of Commitment: Code of Conduct

G&F Financial Group is committed to upholding the Code of Conduct for the Credit and Debit Card Industry in Canada. The Code was designed to protect credit union members’ interests related to the issuance and acceptance of payment cards, and to the operation of payment card networks.  
 
* Unlimited transactions include: 
- Direct deposits 
- Online transfer deposits 
- Online transfer withdrawals 
- Incoming Interac® e-Transfers 
- Request for money Interact® e-Transfers 
- In-branch deposits 
- In-branch transfer deposits 

Self-serve transactions include: pre-authorized debits, bill payments, Exchange ATM withdrawals (including G&F ATMs), point of sale, online transfer deposits, online transfer withdrawals, Interac® e-Transfers (outgoing), Interac® e-Transfers (request for money) and cheque withdrawals.   
 
Full-serve transactions include: in-branch withdrawals and in-branch transfer withdrawals.  
 
Transactions at non-Exchange Network ATMs, foreign, and international ATMs will continue to incur the existing applicable fee.  
 
Additional transactions exceeding the package limit will be charged $1.00 for each self-serve transaction or full-serve transaction. For the High Interest Savings, additional transaction fees exceeding the package limit are $5.00 per each self-serve or full-serve transaction. 

Transactions and fees

Common Miscellaneous Account Fees

 
eStatement Free
eStatement with Cheque Image Free
Paper Statement $3.00/month
Paper Statement with Cheque Image $5.00/month
Official Cheque - member $10.00/each
Safe Deposit Boxes

Safe deposit boxes are available in various sizes starting at $45.00. Contact us to learn more.