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 (Personal / Business) | 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 |
| Cheques | Cost |
| 50 Singles | $ 30.57 |
| 100 Singles | $ 32.83 |
| 150 Singles | $ 35.09 |
| 200 Singles | $ 41.87 |
| 40 Duplicates | $ 35.09 |
| 80 Duplicates | $39.61 |
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 > 0.35% $75-$150k > .85% $150k+ > 1.35% | $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 |
| ATM |
| Full service ATM available 24/7 at 123 Ferris Lane. OPP access only ATM outside the cafeteria at GHQ Orillia. Thousands of surcharge free Exchange Network ATMs available across the country, visit our website, banking app, or download the exchange network app to find an ATM near you ATM Finder |
| 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 | $195 |
| RESP withdrawal from variable | Free for education purposes, $50 other withdrawals |
General Service Fee Changes
| 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 |
| * Notice of change February 4th 2021. Change in effect April 15th 2021. Inactive Account Fee | $25 / year (years 2-5) $50 / year (years 6-9) |