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Chequing Accounts

Award-winning banking apps, chequing accounts optimized for your needs, free ATM networks and 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.

?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. Talk to us to get started.


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Digital Account

Primarily bank online? The Digital banking package has you covered.

  • $5.95/month
  • No cost for self-serve transactions
  • Five FREE e-transfers a month
  • Low cost for any additional e-transfers*

Optimizer Account

Only pay for what you use.

  • Up to $13.75/month
  • Only pay for what you use up to the monthly limit
  • 10 FREE e-transfers a month
  • Account fee waived with a minimum monthly balance of $3,000
  • Low cost for any additional e-transfers*


Complete Account

The complete package! And our 60+ members receive a rebate!

  • $21.95/month ($18.95 for Seniors age 60+)
  • Unlimited e-transfers
  • Unlimited transactions
  • Monthly overdraft protection included
  • FREE for members with a minimum monthly balance of $6,000

Senior Optimizer

Many of our senior members have been with us for decades and have become like family. That’s why we offer our robust Senior Optimizer account free to our 60+ members.

  • FREE for 60+ members
  • No cost for self serve and in-branch transactions
  • 10 FREE e-transfers a month

Youth Digital

The Digital banking package is available FREE for youth up to the age of 25 to help provide a head start on your financial well-being.

  • FREE for Youth up to 25
  • No cost for self-serve or in-branch transactions
  • Five FREE e-transfers a month
  • Youth earn interest on their monthly balance!


Kids Account

Teaching your child money savings skills? The Kids Account is free for children ages 0 to 12 years old.

  • FREE for kids under 12
  • No cost for self-serve or in-branch transactions
  • Five FREE e-transfers a month
  • Kids earn interest on their monthly balance!

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


US Dollar Account

Planning a US trip, or have currency leftover from your last time abroad? Avoid the hassle and cost of currency exchange. For our members who have US dollar needs, this account keeps your transactions in US currency. Our US Dollar account is available to members who have an additional chequing account with us.


  • $1.95 (USD)/month
  • Only pay for the transactions that you need


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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.


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.


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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. Legal Terms of Use apply.