financial backup for life

ACCESS YOUR MONEY 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.

Edit
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/Student 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

Edit
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+ > 1.60%

$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

Edit
Cheques
ITEM
CURRENT FEE

50 Singles

$32.14

100 Singles

$34.40

150 Singles

$36.66

200 Singles

$43.44

40 Duplicates

$36.66

80 Duplicates

$41.18

GENERAL SERVICE FEE CHANGES
ITEM
CURRENT FEE

Stop Payment

$10.00

Draft / Official Cheque

$7.50

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)

Courier Charge

$15.00

Cheque issue in wrong currency

$10.00

Bill payment, balance request or transfer by phone 

$2.50 each

Registered account transfer out fee

$75.00

TFSA withdrawal fee

1 free per month, $5.00 thereafter

RRSP withdrawal from variable or Pensioners Parking account

1 free per year. $25.00 thereafter

RESP partial transfer to another FI

$195.00

NSF Cheques

$45.00

NSF Loan/Mortgage/lOC

$25.00

Paper Statements

$2.00 per month

Dorman / Inactive Account Fee

$50.00

Reference letter: account info, interest

$10.00

Rejected clearing item

1st one no charge. $5.00 recurring

Safe Deposit Box Drilling

$100.00 +

Safe Deposit Box key replacement

$50 +

Research or multiple statement prints

$20.00 per hour. Min $20

Bill payment trace or recall

$15.00

Mortgage Discharge

$400.00

CAFT Payment

$10.00

Bridge Financing - Relocation with mortgage

$400.00

Bridge Financing Relocation no mortgage

$500.00

Bridge Financing - Mortgage with OPPACU

$500.00

Bridge Financing - without mortgage

$750.00

Edit

19% interest with overdraft protection, 22% interest without overdraft protection

WAYS TO ACCESS

IN PERSON

Visit our branch for
personal, face-to-face
service.

123 Ferris Lane
Barrie, ON

Mon – Fri
8:30 – 4:30

ONLINE

Visit our full service online banking site.
www.oppacu.com

ATM

3800 No Fee Exchange Network ATMs across Canada

Full service ATM available 24/7 at 123 Ferris Lane

OPP GHQ Orillia

Click to find a no-fee ATM across Canada

MOBILE APP

Download the
OPPA Credit Union
mobile banking app

APPLE DEVICES
ANDROID DEVICES

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.

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 your online banking account page.

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.