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Tru Essentials Chequing Account

  No monthly account fee

   No minimum balance required

  First 12 debit transactions* free

  $1.50* per debit transaction (13 through 18)

  $9.00 maximum debit transaction fee per month

  Unlimited credit/deposit transactions

Unlimited flexibility. Limited cost.

Casual spenders using up to 12 debit transactions per month pay $0, while active spenders can rest easy knowing they won’t pay more than $9 per month for unlimited debit transactions.

Pay for what you need, avoid recurring fees, and get free access to expert advisors.

OPEN ACCOUNT
No interest is paid on this account.
  • Tru Essentials chequing account includes 12 free debit transactions a month. Debit transactions 13 through 18 will be charged the below fees, up to a monthly maximum of $9.
  • It is free to move money between your First West Credit Union accounts using our online banking services and mobile apps.
  • Members under 19 years will enjoy free banking until January 1 of the year the primary account holder turns 20. After that, standard account features and fees will apply.
  • A fee may also apply for any additional banking services you use. View Personal Service Fees to see our full list of account & service fees.
View Account Terms and Conditions (PDF)
 
Transaction Fee
ATM withdrawal
(via THE EXCHANGE® and ACCULINK® networks)†		 $1.50
ATM deposit
(via THE EXCHANGE® and ACCULINK® networks)		 Included
Cheque clearing $1.50
In-branch withdrawal $1.50
In-branch transfer out $1.50
In-branch utility bill payment / manual bill payment $1.50
In-branch deposit Included
Electronic transfer between First West Credit Union accounts Included
Electronic utility bill $1.50
Envision Financial credit card and CUMIS bill payments are free using online banking services and mobile apps
Cheque deposit via mobile app Included
Interac e-Transfer® incoming (CAD currency only) Included
Interac e-Transfer® Autodeposit (CAD currency only) Included
Interac e-Transfer® outgoing (CAD currency only) $1.50
Interac e-Transfer® Request Money $1.50
Point of sale purchase $1.50
Point of sale return Included
Me-to-Me transfer incoming Included
Me-to-Me transfer outgoing $1.50
Pre-authorized debit (payment) $1.50
Automated pre-authorized debits into Envision Financial Credit Cards, CUMIS, and Aviso Wealth or Northwest & Ethical Investments L.P. accounts are not included in your monthly debit transaction count
Pre-authorized credit Included

†Does not include Interac® ATM withdrawals or International (including US) Cirrus® network ATM withdrawals. Withdrawals outside of THE EXCHANGE® and ACCULINK® networks will incur a fee - view those service fees here.
 

Proudly Canadian and 100% Member Owned

Envision Financial, a proud division of First West Credit Union, combines the personalized approach of local banking with the resources to help you flourish. When you join our credit union you are a member, not a customer — which means you have an equal say in how our credit union operates.

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Effortless banking

Bank online, on our app, on the phone or in person

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Convenient locations

Access 45 branches across BC and thousands of credit union ATMs across Canada

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Personalized Care

Meet experts who listen to your needs and care about your financial well-being

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Personalized Advice

Get FREE access to expert financial advisors to help you build your future

Take the power of local with you!

With our extensive network of branches across British Columbia, you can easily manage your daily banking needs or seek expert advice whenever you need it.

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map of branch locations
 

*Debit transactions involve money leaving your account, and they can include point-of-sale purchases with your debit card, outgoing Interac e-Transfer®, Interac e-Transfer® fulfil requests, outgoing Me-to-Me transfers, in-branch withdrawals, ATM withdrawals via THE EXCHANGE® & ACCULINK® networks, bill payments, cheque clearing, preauthorized debits (PADI) and more. Envision Financial credit card and CUMIS pre-authorized debits or bill payments are free using online banking services and mobile apps.

Product terms, features and fees are subject to change, and we will provide appropriate notice as applicable and as may be required. Debit transactions over what the monthly package allows and any additional banking services you use may incur a fee. View Personal Service Fees to see our account & service fees.


Prefer to speak to us?
We'd love to hear from you. Call our Member Advice Centre at 1-888-597-6083—our advisors will be happy to answer your questions.

 

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