Chequing

Personal Chequing

This is a no frills, non interest bearing chequing account with the following features:

• No minimum service charge per month
• Access to MemberCARD debit card or Global Payment MasterCARD through any ATM or Point of Sale network.
• Free 24 hours access to MemberDirect online banking or TeleService telephone banking.
• Monthly itemized statement with imaged cheques for easy record keeping.
• Overdraft protection or line of credit available to those who qualify.

Maximizer Chequing

This interest bearing chequing account is great for those who wish to earn interest on their money with the convenience of writing cheques. Maximizer also has the following features:

• Free service charges where minimum monthly balance is greater than $1500. Minimum $1.00 service charge where balance is less than $1500 per month.
• Access to MemberCARD debit card or Global Payment MasterCARD through any ATM or Point of Sale network.
• Free 24 hours access to MemberDirect online banking or TeleService telephone banking.
• Monthly itemized statement with imaged cheques for easy record keeping.
• Overdraft protection or line of credit available to those who qualify.

Packaged Accounts

If you prefer a package on your chequing account we have many options depending on how much you use your account.

Value Plan

• Attached to a Personal Chequing account
• $4.00 per month service fee
• 15 free debits per month excluding Interac, CIRRUS, and Plus ATM, utility bills and other ATM deposits
• Free access to MemberDirect online banking and TeleService telephone banking
• Monthly itemized statement with imaged cheques
• $5.00 overdraft fee
• Overdraft Protection Available (OAC), $2.00/month fee

Select Plan

• Attached to a Personal Chequing account
• $8.00 per month service fee
• 25 free paper and electronic debits per month excluding Interac, CIRRUS, and Plus ATM, utility bills and other ATM deposits
• Free access to MemberDirect online banking and TeleService telephone banking
• Monthly itemized statement with imaged cheques
• Line of credit and overdraft protection available (OAC) $2.00/month fee
• $5.00 overdraft fee

ePlan

• Attached to a Personal Chequing account
• $8.00 per month service fee
• 50 free electronic transactions and 2 free paper transactions per month, excluding Interac, CIRRUS, and Plus ATM.
• In branch debits are $1.00 each
• Free access to MemberDirect online banking and TeleService telephone banking
• Monthly itemized statement with imaged cheques
• Line of credit and overdraft protection available (OAC) $2.00/month fee
• $5.00 overdraft fee

MasterPlan

• Can be attached to a Personal or Maximizer Chequing account
• Must be 18 years of age or older to qualify
• $12.50 per month service fee
• All free debits
• 2 free Interac and 2 free CIRRUS ATM transactions per month
• Free traveller’s cheques “for one” included
• 5 free money orders or drafts per month
• Free access to MemberDirect online banking and TeleService telephone banking
• $5.00 discount on a Safety Deposit Box
• Minimum $500 Line of Credit or Overdraft Protection required
• Global Payment MasterCARD
• 50% reduction on Choice Reward fees ($12)
• Monthly itemized statement with imaged cheques

Gold MasterPlan

• Can be attached to a Personal or Maximizer Chequing account
• Must be 18 years of age or older to qualify
• $22.50 per month service fee for single or $25.00 for joint accounts
• All free debits including ATM transactions
• In branch bill payments included
• Free personalized cheques (MasterPlan style only)
• Free traveller’s cheques “for one” included
• 5 free money orders or drafts per month
• Free access to MemberDirect online banking and TeleService telephone banking
• $5.00 discount on a Safety Deposit Box
• Minimum $5000 Line of Credit or Overdraft Protection required
• Gold MasterCARD with Gold Card features
• 50% reduction on Choice Reward fees ($12)
• Monthly itemized statement with imaged cheques

Investment

If you prefer to earn a higher rate of interest while still keeping your money liquid, these accounts are for you.

Premium Investment Chequing Account (PICA)

• Free service charges when minimum balance monthly balance of is greater than $25,000
• Tiered daily interest paid monthly
• Itemized monthly statement with imaged cheques
• Free access to MemberDirect online banking and TeleService telephone banking
• Access to MemberCARD debit card or Global Payment MasterCARD through any ATM or Point of Sale network.
• Line of credit or overdraft protection (OAC) $2.00/month fee
• $5.00 overdraft fee

US Dollar Account

This account is designed for members who require access to US funds on a regular basis. The account allows you to you deal in US currency without converting you cash or cheque to Canadian funds. Chequing privileges are allowed on this account. The US account also features:

• Interest paid quarterly directly to the account
• No exchange fee
• Free access to MemberDirect online banking and TeleService telephone banking.
• Monthly itemized statement with imaged cheques
• Service charges do apply

1 free item per $750 monthly balance

There are numerous ways for you to order your cheques: 

• To view the different cheque style options, visit Davis&Henderson's website
• Visit your local branch
• Call our TeleService Contact Centre at 636-7700 or 1-80-863-1312
• Or send us an email