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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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Optimizer Accounts


We know that your banking needs can change month-over-month. You need an account that won’t charge you an arm and a leg to bank the way you want. Optimizer caps at a monthly cost but if you don’t bank enough to hit that amount, you only get charged for what you used!

  • Monthly fee: $0 - $13.75
  • Monthly Fee Waived w/ $3,000 Min. Balance
  • 10 FREE e-transfers a month
  • Low cost for any additional e-transfers*

Senior Optimizer

We don’t believe in charging our senior 60+ members to bank with us. 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.

  • Monthly fee: $0
  • No cost for self serve and in-branch transactions
  • 10 FREE e-transfers a month

Digital & Youth Accounts


Do you find yourself doing most of your banking online? Offering enhanced digital services and increased transactions, the Digital banking package has you covered.

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

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.

  • Monthly fee: $0
  • No cost for self-serve or in-branch transactions
  • Five FREE e-transfers a month
  • Youth earn interest on their monthly balance!

Kids Account

We want to help build good money habits from a young age, which is why our Kids account is free for children up to 12 years old!

  • Monthly fee: $0
  • No cost for self-serve or in-branch transactions
  • Five FREE e-transfers a month
  • Kids earn interest on their monthly balance!

Complete Account

Just as the name suggests, this product is the complete package! For members who transact frequently or send lots of e-transfers, this account takes the thinking out of banking. Offering peak flexibility, this account lets you bank exactly the way you want!

P.S. our 60+ members receive a rebate on the Complete product.

  • $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

US Dollar Chequing

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





We regularly review our products and services to make sure we’re offering ones to suit your needs. The No Fees For Me account is now only available to members who already have it – please check out our current available accounts above.


View Financial Service Fees




Overdraft Protection

Overdrawing from an account can happen to anyone. If you have a high frequency of automatic transactions, bill payments, or carry a lower balance, overdraft protection is for you. As an extension of your chequing account, your cheques and other debits are automatically covered when you need it most. Avoid costly insufficient funds service charges and unauthorized overdraft charges. Save money and get protected today. Talk to us about adding it to your account today.


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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.