BANK YOUR WAY.

Banking at OPPA Credit Union is flexible, accessible and every interaction with our team always includes a welcoming smile (whether by phone or in person). Start with the fundamentals by choosing the right blend of chequing and savings accounts.

Chequing Accounts

Account NameFeaturesTransactions exceeding
monthly limit
InterestMonthly Fees
Maxi40 Free Debit Transactions
4 Free ATM withdrawals
1 book standard cheques
Free e-transfers
$1.00 per transaction
Overdraft Interest Only
0%$10.25
Fee waived if minimum daily balance is $2500 or more
InclusiveUnlimited Debit Transactions
Unlimited ATM withdrawals
1 book standard cheques
Free e-transfers
Overdraft Interest Only0%$14.95
Fee waived if minimum daily balance is $3500 or more
Senior/Student Maxi20 Free DebitsTransactions
4 Free ATM withdrawals
1 book standard cheques
Free e-transfers
$1.00 per transaction
Overdraft Interest Only
0%$5.00
Fee waived if minimum daily balance is Senior – $2500 Student – $1000
Senior InclusiveUnlimited Debit Transactions
Unlimited ATM withdrawals
1 book standard cheques
Free e-transfers
Overdraft Interest Only0%$7.50
Fee waived if minimum daily balance is Senior – $3500 Student – $1500
Basic
(Personal / Business)
Pay as you go $1.00 per debit
Free e-transfers
Overdraft $3.00 or Interest0%Pay as you go
Current
(Business)
20 Debit Transactions
Unlimited ATM withdrawals
Free e-transfers
$0.75 per transaction
Overdraft $3.00 or Interest
0%$14.95
ChequesCost
50 Singles$ 30.57
100 Singles$ 32.83
150 Singles$ 35.09
200 Singles$ 41.87
40 Duplicates$ 35.09
80 Duplicates$39.61
* Seniors receive 1 set of 50 Singles at 50% off per calendar year

Savings Accounts

*Get Money – $5 per instance

Account NameFeaturesTransactions exceeding
monthly limit
InterestMonthly Fees
High Speed Savings 1 Free Debit Transaction$5.00 per Debit Transaction
Overdraft $5.00
Tiered by balance
$0-$75k > 0.35%
$75-$150k > .85%
$150k+ > 1.35%
$0
Optimum1 Free Debit Transaction$5.00 per Debit Transaction
Overdraft $5.00
Tiered by balance$0
Plan 246 Free Debit Transactions$1.50 per Debit Transaction
Overdraft $5.00
Tiered by balance$0
Fat Cat4 Free Debit Transactions$1.00 per Debit Transaction
Overdraft $5.00
0.010% /month$0
USD 3 Free Debit Transactions$5.00 per Debit Transaction
Overdraft $5.00
0.010% /month$0

Ways to Bank

In Person
Visit our branch for personal, face to face service.
123 Ferris Lane
Barrie, ON
Mon – Fri (8:30 – 4:30)
*Wed (9:00 – 4:30)
Online
Visit our full service online banking site.
Online Banking
Mobile Banking App
Download the award winning OPPA Credit Union mobile banking app.
Get it on Google Play

Switching Made Easy

Switching your chequing or savings account and pre-authorized payments to the OPPA Credit Union is probably simpler than you think.  With most utilities and companies offering online account management, it can be done in a few clicks of your keyboard.

Follow these 3 easy steps to help you transfer over existing pre-authorized transactions (ie. utility bills, insurance payments, loan payments, etc.) to come out of your OPPA Credit Union account.

The 3 Easy Steps:

1.

Use the account switch checklist to gather a list of pre-authorized payments you currently have coming out of your account. (Loan payments, bill payments, pre-authorized payments, etc.

2.


Obtain a void cheque form / account information with transit and branch number from the OPPA Credit Union.

3.

Log into your online account with the respective companies where you have pre-authorized payments.  Update your account information with your new OPPA Credit Union account details, attach your personalized void cheque form if require.

* Handy reminder – leave enough money in your old account to cover pre-authorized transactions for the next 4-6 weeks, until the updates catch the next billing cycle / come into effect.

Fee Summary

Registered Account Fee Changes – Effective July 1, 2019

ITEMCURRENT FEE
RRSP transfer to another Financial Institution – full or partial$50
RRSP withdrawal from variable or pensioner’s parking account1 free/year, $25 subsequent withdrawals
RRIF transfer to another Financial Institution – full or partial$50
RRIF withdrawal from variable account1 free/year, $25 subsequent withdrawals
TFSA transfer to another Financial Institution – full or partial$50
RESP transfer to another Financial Institution – FULL$50
RESP transfer to another Financial Institution – PARTIAL$195
RESP withdrawal from variableFree for education purposes, $50 other withdrawals

General Service Fee Changes – Effective March 1, 2015

ITEMCURRENT FEE
Incoming wire$15
Overdraft handling fee$5
Outgoing wire – Canadian$40
Outgoing wire – outside Canada$60
Transfer of account balance to another Financial Institution$25