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Daily Banking

Award-winning banking apps, no fee chequing accounts, free ATM networks and linked chequing and savings accounts that work smarter.


Plus, you’re protected by a rock solid 100% Deposit & Interest Guarantee*, unique to credit unions. These accounts make accessing your everyday banking needs easy.

First US Chequing Account Rates

$25,000 and Over


$5,000 to $24,999


?Did You Know

Switching Is Simple When We Make It Easy For You. Use ClickSWITCH to securely transfer direct deposit and automated bill payments to your new First Calgary Financial chequing account in just a few clicks.




No Fees For Me™

Don’t pay banking fees when you don’t have to.

  • It's completely free
  • Has unlimited monthly transactions
  • Requires no minimum balance
  • Includes a free Save It For Later savings account
  • Includes your choice of three free upgrades that make it free banking even better! Select from enhanced personal banking, investing or special student options.

HARMONey Account

Link an everyday unlimited chequing account to a High Interest Savings Account.

  • $14/month fee
  • Unlimited chequing transactions
  • A No-Fee Mastercard®*
  • Free Travellers Cheques
  • Free Safe Deposit Box Rental
  • Authorized Overdraft Approval*
  • Linked HARMONeY Savings Account with the savings boosting ChangeUp feature


Overdraft Protection

Avoid costly fees on unexpected cheques and debits when your chequing account balance is low.

  • Protect yourself from penalties
  • Ensure your cheques and other debits are automatically covered
  • Avoid non-sufficient funds services fees
  • Avoid unauthorized overdraft charges

What’s ChangeUp™?

ChangeUp™ is an awesome automatic saving feature. Whenever you make a purchase with your Member Card®, ChangeUp rounds up your transaction to the nearest dollar and automatically transfer that additional amount to a linked savings account, along with up to five additional dollars per transaction.


US Dollar Account

Planning a US trip, or have currency leftover from your last time abroad? Avoid the hassle and cost of currency exchange. This US Dollar Account has:


  • No monthly account fee
  • Free in-branch withdrawals, in-branch transfers and cheque clearing when a monthly average balance of $1,000 is maintained throughout the month
  • Free online banking and telephone banking access
  • Free monthly e-Statements
  • Interest earning perks ($5,000 minimum balance required)


Apply Now


Protect Your Bank Draft Like Cash

Bank Drafts are available to members at any branch location. It's vital that you treat your bank draft like cash once it is issued. Unlike personal cheques, Bank Drafts are guaranteed instruments, which means a stop payment cannot be placed on it and it cannot be cancelled.


When delivering your bank draft to the intended recipient, we strongly recommend that you personally deliver it, or that a trackable delivery method is employed, such as courier or registered mail.


Learn more about next steps if your bank draft has been lost or stolen.


BONUS 1: Deposit cheques with your smartphone

Just download the First Calgary Financial mobile app for Apple or Android devices and you’ll have access to the Deposit Anywhere™ feature for quick, easy and secure remote cheque deposits.


Apple Store Play Store



BONUS 2: A chequing card that’s packed with perks and accepted like a credit card!

The First Cheque™ GLOBAL PAYMENT® Mastercard®, has all the convenience, global access and flexibility of a Mastercard credit card, without the credit card fees. It automatically deducts your purchases directly from your chequing account. Use it anywhere the Mastercard logo is displayed- including shopping online and at an ATM! Funds are automatically moved from your credit union chequing as the transaction is completed.


Only available through First Calgary Financial. Enjoy:


  • Mastercard® PayPass - an easy way to pay with a simple tap of your card at checkout.
  • Global Access - it's accepted in 210 countries and territories; and with access to cash at over 1,000,000 ATMs world-wide, it's like taking your chequing account wherever you go!
  • $1,000 Accidental Death Insurance.
  • $100,000 Common Carrier Travel Accident Insurance.
  • Extended Warranty Insurance*: The manufacturer's warranty is automatically extended for up to two additional years for items purchased with the First Cheque™ GLOBAL PAYMENT Mastercard.
  • Purchase Protection Insurance*: 90-day purchase protection against loss, theft and damage for items purchased with your First Cheque GLOBAL PAYMENT Payment Mastercard.*


Ask when you apply


The Legal Stuff

*Rates effective as of 3 October 2017. Terms and conditions apply. All principal and interest is 100% guaranteed by the Credit Union Deposit Guarantee Corporation, excluding common shares, investment shares, and mutual funds. All rates and products are subject to change without notice. Authorized credit approvals required for all overdraft, credit card and lending products. ATM charges from other institutions may apply. Some First Cheque™ GLOBAL PAYMENT® Mastercard® limitations apply - see the certificate of insurance when you receive your card. All trademarks are the property of their respective owners. Legal Terms of Use apply.