Personal Accounts

Personal and Community Accounts

Ganaraska Financial is pleased to offer a wide variety of accounts suited to your needs. Whether its an everyday free chequing or savings account, a US funds account, or you`re looking for different options to make higher interest, we have a solution that works for you.

Our knowledgeable staff is more than ready to help you find the tools to manage your money effectively and we`re here to help. Pop into a branch, or pull up the chat and one our staff will get you started.

Personal Account Fees

Free Day-to-Day Chequing
Members who purchase our $1000.00 Member Share are eligible to receive Free Day-to-Day Chequing.

  • Cheques
  • Pre-authorized Payments
  • Debit Card Payments (Point of Sale)
  • Ganaraska and the Exchange Network ATM Withdrawals
  • Bill Payments (In-branch, Online & Telephone Banking)
  • Transfers (In-branch, Online & Telephone Banking)

*please note: additional fee’s do apply to other banking services, ie: Cheques, mailed statements, Passbook fees, Stop payment, certified and office cheque. Please check with any staff member  for complete details on additional charges.

Pay As You Go Chequing: applicable for all members without the member share investement.

Fee’s include:
$1.00 Debit Charge-withdrawals, transfers
$1.00 Electronic Debit Charge-Point of sale, Pre-authorized debits
$1.50 Bill payment over the counter
$1.00 Bill payment on-line (Telephone Banking and On-Line Banking)
Free E-statement

*please note: additional fee’s do apply to other banking services, ie: Cheques, mailed statements, Passbook fees, Stop payment, certified and office cheque. Please check with any staff member  for complete details on additional charges.

Savings

Our most popular savings account and exactly what you`d expect; you wont find any surprises here.
Savings Account fees include:
$1.00 Debit Charge-withdrawals, transfers
$1.00 Electronic Debit Charge-Point of sale, Pre-authorized debits
$1.50 Bill payment over the counter
$1.00 Bill payment on-line (Telephone Banking and On-Line Banking)
Free E-statement
Current interest: 0.10%

*please note: additional fee’s do apply to other banking services, ie: Cheques, mailed statements, Passbook fees, Stop payment, certified and office cheque. Please check with any staff member  for complete details on additional charges.

Premium Savings Account

For those looking for a bit higher of an interest rate but not looking to tie up their dollars. A minimum of $1000 balance is required.

If you plan on leaving your savings in your account for longer than 30 days, its more than worth your while to inquire about our cashable terms. you`ll still have access to your money and it will earn a much higher interest rate.

Premium Savings Account fee’s:
$1.00 Debit Charge-withdrawls and transfers only
No Debit Card access
Free Member Direct on-line banking, telephone and mobile banking
Free E-statements
Current interest: 0.25%

*please note: additional fee’s do apply to other banking services, ie: Cheques, mailed statements, Passbook fees, Stop payment, certified and office cheque. Please check with any staff member  for complete details on additional charges.

Community Accounts

As part of our on-going commitment to our community, GFCU offers non-profit clubs, associations and charitable organizations the following account:

The GFCU community account offers:
No monthly Maitenance Fee’s
Free everyday transactions-debits and withdrawls
Free Member Direct Internet Banking
Free Standard Deposit Books
Free Night Deposit Access and deposit bags
Free over the counter bill payments
Personalized cheques at cost
Free E-statements and digital cheque imagery
Monthly Mailed Statement($2.99, optional)

*please note: additional fee’s do apply to other banking services, ie: Cheques, mailed statements, Stop payment, certified and office cheque. Please check with any staff member  for complete details on additional charges.

US Funds Account

We know a lot of our members enjoy travelling south of the border and we have an account just for them. Take advantage of the fluctuating dollar and put some away when the rates are in your favor. Our US account earns 0.10% interest.

Student Account

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Similar to our Youth Account; our Student Account is designed for those in school between the ages of 13 and 25. These are no fee accounts as we know that students have enough trouble stretching their dollars.

* Member must provide proof of full time enrollment in a post secondary school annually to qualify for no fees.

Fat Cat Youth Account

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It’s never too early to get started saving. Help your kids learn the value of a dollar and to get in the habit of saving at an early age. The Fat Cat Youth account is designed for kids 12 and under.