Chequing Accounts

Almost everything you do to manage your money begins with a chequing account. Having a chequing account not only allows you to write cheques, you can also use it to pay bills, draw cash or perform other financial transactions.

As an OPPA Credit Union member, you can bank the way you always do - in person, online, by telephone, at ATMs, through IPhone and Android apps and through text banking.

No matter where in Ontario your new career takes you, we can help you with your finances as we can do everything electronically.  It’s great to know that you can do everything from the comfort of your own home; just contact your Financial Advisor for advice you can trust.

Free Chequing for 2 years!

and receive free chequing for 2 years!

Call your Financial Advisor to open an OPPA Credit Union Chequing Account today!


Unlimited Inclusive Chequing

Our inclusive Chequing account is ideal for members who need an “all inclusive” account that provides the following:

  • Unlimited debit transactions (including cheques, ATM withdrawals, transfers, INTERAC Direct Payment purchases, pre-authorized debits, bill payments, Me2Me transfers and INTERAC e-transfers*)
  • Debit card access to a wide range of ATM machines across the province without paying additional surcharges (includes most Credit Unions, National Banks, and HSBC) – click here to find a no fee ATM near you
  • Deposit Anywhere, allows you to quickly and securely deposit cheques with your smartphone or tablet,   from anywhere, day or night.
  • No fees for stop payments, cheque orders, certified cheques
  • Copies of your cheques are included with your monthly e-statement
  • Free access to internet, mobile, text, telephone, iPhone and Android app banking

Sign me up for a Free Chequing Account

Overdraft Protection

OPPA Credit Union offers its members the convenience and peace of mind of overdraft protection. We will approve you for overdraft protection up to $1,000 automatically, if you have your full pay cheque deposited into an OPPA Credit Union account. If a portion of your pay is deposited to your OPPA Credit Union account, we will automatically approve you for overdraft protection up to $500. Limits above $1,000 require an application and must meet our lending criteria.

Switching Your Banking is as easy as 1, 2, 3.

We understand your time is limited during this stage of your career. Enjoy the ease of the Credit Union helping you make all the required changes in 3 easy steps. We will help you transfer existing pre-authorized transactions (i.e. utility bills, insurance payments, loan payments, etc.), so don’t be intimidated, we are here to help.

The 3 easy steps are:

  1. Provide us with the address(es) and account number(s) for loan payments, bill payments, pre-authorized payments, etc. so we can prepare the form.  Here is an account switch checklist for your convenience
  2. All you need to do next is sign the form
  3. Then we will send it off to each company along with a voided cheque with your new account information

Account switch checklist

We can also arrange to transfer your remaining balance from the other financial institutions to your OPPA Credit Union account. Just remember to leave enough money in your account to cover pre-authorized transactions for the next 4-6 weeks.

This time saving service is absolutely free.


Me2Me Transfers

Members can transfer funds to and from their accounts held at the OPPA Credit Union and those held at other financial institutions. While you’re in the process of transferring all your banking to the Credit Union, this can be a convenient way to transfer between accounts during the transition period.

Me2Me Transfer is easy to set up, simply complete and return a one-time online banking Me2Me Transfer Authorization form

Me2Me provides the following:

  • Me2Me Transfers are free
  • Me2Me Transfers may take up to three days to complete the clearing process
  • Money may be transferred between U.S. dollar accounts, but both U.S. accounts must be held at Canadian financial institutions; transfer may not be made between Canadian dollar and U.S. dollar accounts
  • The daily outgoing transfer limit is $25,000. The daily incoming transfer limit is $50,000. Weekly and monthly limits also apply
  • There are no additional fees for incoming or outgoing Me2Me Transfers (beyond the applicable account debit transaction fee)


  1. Members have access to over 3,500 ATMs across Canada without paying any service charges. Click here  to find a no fee ATM near you.
  2. You can make deposits, withdrawals and change your pin number at all 3,500 ATMs across Canada.
  3. Enjoy the ease of the Credit Union helping you make all the changes required to switch your banking.
  4. Enjoy free chequing for 2 years.
  5. Deposit Anywhere, allows you to quickly and securely deposit cheques with your smartphone or tablet,   from anywhere, day or night

*Sending an INTERAC e-transfer is $1.50 each + debit transaction fee, if applicable.