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 Name | Features | Transactions exceeding monthly limit | Interest | Monthly Fees |
| Maxi | 40 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 |
| Inclusive | Unlimited Debit Transactions Unlimited ATM withdrawals 1 book standard cheques Free e-transfers | Overdraft Interest Only | 0% | $14.95 Fee waived if minimum daily balance is $3500 or more |
| Senior/Student Maxi | 20 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 Inclusive | Unlimited Debit Transactions Unlimited ATM withdrawals 1 book standard cheques Free e-transfers | Overdraft Interest Only | 0% | $7.50 Fee waived if minimum daily balance is Senior – $3500 Student – $1500 |
| Basic | Pay as you go $1.00 per debit Free e-transfers | Overdraft $3.00 or Interest | 0% | 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 |
Savings Accounts
*Get Money – $5 per instance
| Account Name | Features | Transactions exceeding monthly limit | Interest | Monthly Fees |
| High Speed Savings | 1 Free Debit Transaction | $5.00 per Debit Transaction Overdraft $5.00 | Tiered by balance $0-$75k > 0.45% $75-$150k > .95% $150k+ > 1.45% | $0 |
| Optimum | 1 Free Debit Transaction | $5.00 per Debit Transaction Overdraft $5.00 | Tiered by balance | $0 |
| Plan 24 | 6 Free Debit Transactions | $1.50 per Debit Transaction Overdraft $5.00 | Tiered by balance | $0 |
| Fat Cat | 4 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.  |
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
| ITEM | CURRENT FEE |
| RRSP transfer to another Financial Institution – full or partial | $50 |
| RRSP withdrawal from variable or pensioner’s parking account | 1 free/year, $25 subsequent withdrawals |
| RRIF transfer to another Financial Institution – full or partial | $50 |
| RRIF withdrawal from variable account | 1 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 | $175 |
| RESP withdrawal from variable | Free for education purposes, $50 other withdrawals |
General Service Fee Changes – Effective March 1, 2015
| ITEM | CURRENT 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 |