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CHEQUING ACCOUNTS

​An account that grows with you

​HMECU offers numerous accounts to help you achieve all your financial goals.

​You can individualize your account to your specific needs, as we offer several accounts to choose from including; chequing and savings, all with no minimum balance required. Some examples include:

Chequing accounts with electronic funds deposits/withdrawals and cheque writing

Accounts not accessible through the ATM to promote greater saving

No fees for in-branch deposit, withdrawal, or transfer on any of our accounts

Payroll deduction available

 
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Infinite

Overview

For those always accessing your money and our banking services, then our unlimited chequing account is made for you as it offers unlimited transactions for only $18.95 a month.

Features
  • Unlimited transactions – including debit card purchases; pre-authorized payments; online and mobile banking; bill payments; and the use of HMECU or other credit union ATMs
  • 3 free ATM withdrawal (Interac) 
  • Overdraft protection and line of credit available upon qualification
  • Free deposits
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Digital

Overview

Ideal for the self-sufficient type who does all their banking electronically through HMECU online banking, our mobile app or by using their debit card for only $11.95 per month.

Features
  • Free electronic transactions – including debit card purchases; pre-authorized payments; online and mobile banking; bill payments; and the use of HMECU or other credit union ATMs
  • Overdraft protection and line of credit available upon qualification
  • Free deposits
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Basic

Overview

For members who access their bank accounts only about once a day, it offers electronic and full-service banking for one low monthly fee of $7.95

Features
  • 30 free electronic transactions per month – including debit card purchases; pre-authorized payments; online and mobile banking;  bill payments; intra-account transfers and the use of any HMECU or credit union ATM.

  • 5 free in-branch transactions – including withdrawals, cheques and intra-account transfers

  • Overdraft protection and line of credit available upon qualification

  • Free deposits