Chequing accounts offer these common benefits in addition to their individual features:

  • Free Online, Mobile and Telephone Banking
  • Surcharge-free access to over 6,300 ATMs across Canada 
  • Environmentally sensitive e-Statement option to reduce paper usage and enhance your security and privacy
  • Deposits are 100% guaranteed**

Personal Chequing Accounts


Premium Chequing

The Premium Chequing package offers the ultimate in flexibility.

  • Unlimited monthly transactions
  • Free premium Mastercard®
  • Free small safety deposit box*
$25 / Month
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The Premium Chequing package offers the ultimate in flexibility, with unlimited monthly transactions and no fees if a minimum monthly balance of $10,000 is maintained.

  • Unlimited transactions for a flat monthly fee of $25
  • Includes unlimited ATM, debit card transactions and Interac® e-transfers
  • Annual fee waived for your World Mastercard® or Travel Rewards Gold Mastercard®
  • Free small safety deposit box (subject to availability) or $42 rebate can be applied against the cost of a larger box
  • Additional free banking services, including free personal cheques and Canadian bank drafts
  • Credit for depositing your automatic payroll here; we pay you $1.25 per deposit, up to a maximum of $5 monthly
  • Online, mobile, and telephone banking access to your account
  • Free monthly statement, including online cheque images
  • Free overdraft protection (on approved credit)
  • Line of credit available upon qualification
  • Monthly service fee waived with a minimum monthly balance of $10,000
  • Deposits are 100% guaranteed**

 

 

Premium Chequing Service Charges
Premium Chequing service charges ($25/month package fee)
In-Branch
Withdrawals free
Bill Payments free
Transfers free
Electronic
Withdrawals – BlueShore Financial ATM free
Withdrawals – Interac® ATM free
Withdrawals – THE EXCHANGE® ATM free
Point of Sale (in Canada) free
Bill Payment free
Transfers (between BlueShore Financial accounts) free
Interac® e-Transfers (send, request money) free
Pre-authorized Payment Debits free
Cheque Clearing free

 

Unlimited Chequing

Unlimited everyday* transactions including Interac® e-Transfers. Ideal for those with a high volume of transactions.

  • Flat monthly fee of $14
  • Unlimited everyday* transactions, including ATM, direct debit and Interac® e-Transfers
  • Free personal cheques (first order) and Canadian bank drafts
  • Monthly service fee waived with minimum monthly balance
$14 / Month
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For all your day-to-day banking needs, Unlimited Chequing is the ideal account choice. You can make unlimited everyday* transactions for one flat monthly fee, and have the package fee waived if you maintain a minimum monthly balance of $5,000.

  • Unlimited everyday* transactions for a flat monthly fee of $14
  • Includes Interac® e-Transfers (send, request money), direct debit and use of BlueShore, EXCHANGE® or Acculink® ATMs
  • Additional free banking services, including free personal cheques and Canadian bank drafts
  • Credit for depositing your automatic payroll at BlueShore Financial; we pay you $1.25 per deposit, up to a maximum of $5 monthly
  • Convenient Online, Mobile, and Telephone Banking access to your account
  • Free monthly statement
  • Line of credit or overdraft protection available upon qualification
  • Monthly package fee waived with a minimum monthly balance of $5,000
  • Deposits are 100% guaranteed**

 

Unlimited Chequing Package Service Charges
In-Branch Regular Golden Young Adult
Withdrawals Free Free Free
Bill Payments Free Free Free
Transfers (between BlueShore Financial accounts) Free Free Free
Electronic Regular Golden Young Adult
Withdrawals – BlueShore Financial, THE EXCHANGE®, or ACCULINK® ATM Free Free Free
Withdrawals – Interac® ATM $2.25 $2.25 $2.25
Withdrawals – Cirrus or U.S. EXCHANGE® ATM $3.25 $3.25 $3.25
Point of Sale (in Canada) Free Free Free
Bill Payment Free Free Free
Transfers (between BlueShore Financial accounts) Free Free Free
Interac® e-Transfers (send, request money) Free Free Free
Pre-authorized Payment Debits Free Free Free
Cheque Clearing Free Free Free

* Everyday transactions include deposits, withdrawals, transfers, bill payments, pre-authorized debits, ATM transactions (at BlueShore Financial, THE EXCHANGE® and ACCULINK® ATMs), and Interac® e-Transfers.

Pay As You Go Chequing

Pay only for what you need and use.

  • Access your funds any way you choose
  • Online, Mobile, and Telephone Banking
  • Pay by transaction rather than a monthly fee
$0-$3.00 / Transaction
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Pay As You Go Chequing is ideal for anyone who prefers to pay by transaction versus a monthly package fee and who wants to earn interest on their deposit balance. Special packages are available for Youth and Golden members.

  • Access funds by ATM, direct debit (point of sale), pre-authorized payments, cheques, in-branch withdrawals
  • Pay only for what you use
  • Personal cheques available for a fee
  • Online, Mobile, and Telephone Banking
  • Free electronic transfers between BlueShore Financial accounts
  • Free monthly statement, including online cheque images
  • Free overdraft protection (on approved credit)
  • Line of credit available upon qualification
  • Deposits are 100% guaranteed**

 

Pay As You Go Package Service Charges
In-Branch Regular Golden Youth
Withdrawals $1.00 $1.00b $1.00b
Bill Payments $1.00 $1.00b $1.00b
Transfers (between BlueShore Financial accounts) $1.00 $1.00b $1.00b
Electronic Regular Golden Youth
Withdrawals – BlueShore Financial, THE EXCHANGE®, or ACCULINK® ATM $0.70 $0.70b $0.70b
Withdrawals – Interac® ATM $2.25 $2.25 $2.25
Withdrawals – Cirrus or U.S. EXCHANGE® ATM $3.25 $3.25 $3.25
Point of Sale (in Canada) $0.70 $0.70b $0.70b
Bill Payment $0.70 $0.70b $0.70b
Transfers (between BlueShore Financial accounts) Free Free Free
Interac® e-Transfers (send, request money) $1.00 $1.00 $1.00b
Pre-authorized Payment Debits $0.70 $0.70b $0.70b
Cheque Clearing $0.70 $0.70b $0.70b

b May be counted as free transaction(s) as per package set-up; fees charged after transaction limit is exceeded.

 

U.S. Chequing

Economical $U.S. banking and shelter from rate fluctuations.

  • No need to convert your funds to make U.S. payments by cheque
  • Transfer funds between your U.S. and Canadian accounts 
  • Shelters you from exchange rate fluctuations
  • Complements U.S. Savings account
$0-$1.00 / Transaction
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The U.S. Chequing account holds your funds in U.S. currency and cheques are negotiated in U.S. dollars.

This account is ideal if you frequently write cheques to pay bills or meet other obligations to U.S. organizations, businesses or residents, or if you regularly receive money from the U.S. The account offers the following benefits:

  • No monthly package fee; pay on a per-transaction basis
  • Transfer between your U.S. Chequing and U.S. Savings accounts without conversion to Canadian currency – online or in-branch
  • Transfer between your Canadian and U.S. accounts at the standard conversion rate – online or in-branch
  • In-branch access to U.S. cash (not available through ATMs or direct debit)
  • Free monthly statement, including cheque images
  • Deposits are 100% guaranteed**

Please note that this account cannot be accessed from ATMs that distribute U.S. funds.

 

U.S. Chequing service charges
In-Branch
Withdrawals $1.00a,b
Bill Payments N/A
Transfers (between BlueShore Financial accounts) $1.00a,b
Electronic
Withdrawals – BlueShore Financial, THE EXCHANGE® or ACCULINK® ATM N/A
Withdrawals – Interac® ATM N/A
Withdrawals – Cirrus or U.S. EXCHANGE® ATM N/A
Point of Sale (in Canada) N/A
Bill Payment N/A
Transfers (between BlueShore Financial accounts) Free
Interac® e-Transfers N/A
Pre-authorized Payment Debits $0.70a,b
Cheque Clearing $0.70a,b

a Service charges in U.S. dollars

b May be counted as a free transaction(s) as per package setup.

c Standard foreign exchange rates apply between Canadian and U.S. accounts.

Golden Chequing Accounts


Unlimited Chequing Golden

59 or older and have a high number of monthly transactions? Unlimited Chequing Golden has no cap for a low monthly fee.

  • Flat monthly fee of $10 gives you unlimited everyday*  transactions
  • Includes Interac® e-Transfers, direct debit and ATM transactions
  • Free personal cheques (first order) and Canadian bank drafts
  • Monthly service fee waived with minimum monthly balance
$10 / Month
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Our Unlimited Chequing Golden account features provides unlimited everyday* transactions, at a reduced monthly fee ($10/month vs. the standard $14/month). And if you maintain a minimum monthly balance of $5,000, the account package fee is waived.

This account is available for those aged 59 or more and offers the following benefits:

  • Unlimited everyday*  transactions for a flat monthly fee of $10
  • Includes cheques, bill payments, Interac® e-Transfers, ATM and direct debit transactions
  • Additional free banking services, including free personal cheques and Canadian bank drafts
  • Convenient Online, Mobile, and Telephone Banking access to your account
  • Free monthly statement
  • Line of credit or overdraft protection available upon qualification
  • Monthly package service fee waived with a minimum monthly balance of $5,000
  • Deposits are 100% guaranteed**

 

Unlimited Chequing Package Service Charges
In-Branch Regular Golden Young Adult
Withdrawals Free Free Free
Bill Payments Free Free Free
Transfers (between BlueShore Financial accounts) Free Free Free
Electronic Regular Golden Young Adult
Withdrawals – BlueShore Financial, THE EXCHANGE®, or ACCULINK® ATM Free Free Free
Withdrawals – Interac® ATM $2.25 $2.25 $2.25
Withdrawals – Cirrus or U.S. EXCHANGE® ATM $3.25 $3.25 $3.25
Point of Sale (in Canada) Free Free Free
Bill Payment Free Free Free
Transfers (between BlueShore Financial accounts) Free Free Free
Interac® e-Transfers (send, request money) Free Free Free
Pre-authorized Payment Debits Free Free Free
Cheque Clearing Free Free Free

Everyday transactions include deposits, withdrawals, transfers, bill payments, pre-authorized debits, ATM transactions (at BlueShore Financial, THE EXCHANGE® and ACCULINK® ATMs), and Interac® e-Transfers.

Pay As You Go Chequing Golden

59 or older and have less than 30 transactions a month? Pay As You Go Chequing Golden has no monthly fee.

  • 30 free transactions a month
  • Free cheques and other select banking services
  • Free monthly statements
30 free transactions / Month
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Pay As You Go Chequing Golden provides special banking benefits to clients aged 59 and over, providing up to 30 free everyday* transactions per month. You “pay as you go” only for any additional transactions which exceed this number. Among the benefits of this account:

  • 30 free everyday* transactions per month
  • Pay only for what you use if you exceed this number (see service charges for details)
  • Free cheques
  • Convenient Online, Mobile and Telephone Banking
  • Free monthly account statement
  • Line of credit available upon qualification
  • Deposits are 100% guaranteed**

Pay As You Go Package Service Charges
In-Branch Regular Golden Youth
Withdrawals $1.00 $1.00b $1.00b
Bill Payments $1.00 $1.00b $1.00b
Transfers (between BlueShore Financial accounts) $1.00 $1.00b $1.00b
Electronic Regular Golden Youth
Withdrawals – BlueShore Financial, THE EXCHANGE®, or ACCULINK® ATM $0.70 $0.70b $0.70b
Withdrawals – Interac® ATM $2.25 $2.25 $2.25
Withdrawals – Cirrus or U.S. EXCHANGE® ATM $3.25 $3.25 $3.25
Point of Sale (in Canada) $0.70 $0.70b $0.70b
Bill Payment $0.70 $0.70b $0.70b
Transfers (between BlueShore Financial accounts) Free Free Free
Interac® e-Transfers (send, request money) $1.00 $1.00 $1.00b
Pre-authorized Payment Debits $0.70 $0.70b $0.70b
Cheque Clearing $0.70 $0.70b $0.70b

b May be counted as free transaction(s) as per package set-up; fees charged after transaction limit is exceeded.

Young Adult & Youth Chequing Accounts


Unlimited Chequing Young Adult

Are you 19 to 24? We’ve got you covered.

  • No fee, unlimited everyday transactions* 
  • Includes Interac® e-Transfers, direct debit and ATM transactions
  • Free personal cheques (first order) and Canadian bank drafts
No fee
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It’s hard to make ends meet as a student, so our Unlimited Chequing Young Adult provides free, unlimited everyday* banking transactions for those aged 19 to 24. Your account benefits include:

  • Unlimited everyday*  transactions, including Interac® e-Transfers, direct debit and ATM transactions
  • Additional free banking services, including free personal cheques and Canadian bank drafts
  • Convenient Online, Mobile, and Telephone Banking access to your account
  • Free monthly statement
  • Line of credit or overdraft protection available upon qualification
  • Deposits are 100% guaranteed**

 

Unlimited Chequing Package Service Charges
In-Branch Regular Golden Young Adult
Withdrawals Free Free Free
Bill Payments Free Free Free
Transfers (between BlueShore Financial accounts) Free Free Free
Electronic Regular Golden Young Adult
Withdrawals – BlueShore Financial, THE EXCHANGE®, or ACCULINK® ATM Free Free Free
Withdrawals – Interac® ATM $2.25 $2.25 $2.25
Withdrawals – Cirrus or U.S. EXCHANGE® ATM $3.25 $3.25 $3.25
Point of Sale (in Canada) Free Free Free
Bill Payment Free Free Free
Transfers (between BlueShore Financial accounts) Free Free Free
Interac® e-Transfers (send, request money) Free Free Free
Pre-authorized Payment Debits Free Free Free
Cheque Clearing Free Free Free

Everyday transactions include deposits, withdrawals, transfers, bill payments, pre-authorized debits, ATM transactions (at BlueShore Financial, THE EXCHANGE® and ACCULINK® ATMs), and Interac® e-Transfers.

Pay As You Go Chequing Youth

The perfect first chequing account for those 18 and under.

  • 25 free transactions a month
  • Interest calculated daily
  • Free annual statement
25 free transactions / Month
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We want to make your first chequing account easy to use and convenient. If you are aged 18 or under, you can make up to 25 everyday* transactions per month, free! Please note, to get your BlueShore Access Card (needed for Online Banking, ATM and direct debit transactions), just drop by any branch to pick one up; you’ll need a parent or guardian to come with you to sign a permission form.

Among the banking benefits you’ll receive:

  • 25 free everyday transactions*
  • Access to your funds through direct debit (point of sale) or ATMs
  • Convenient Online Banking and Mobile Apps (iOS and Android) so you can check your account balance when and where you want
  • ATM locator or Mobile Banking apps to find the nearest surcharge-free ATM
  • Free monthly e-statements, available through Online Banking
  • Deposits are 100% guaranteed**

 

Pay As You Go Package Service Charges
In-Branch Regular Golden Youth
Withdrawals $1.00 $1.00b $1.00b
Bill Payments $1.00 $1.00b $1.00b
Transfers (between BlueShore Financial accounts) $1.00 $1.00b $1.00b
Electronic Regular Golden Youth
Withdrawals – BlueShore Financial, THE EXCHANGE®, or ACCULINK® ATM $0.70 $0.70b $0.70b
Withdrawals – Interac® ATM $2.25 $2.25 $2.25
Withdrawals – Cirrus or U.S. EXCHANGE® ATM $3.25 $3.25 $3.25
Point of Sale (in Canada) $0.70 $0.70b $0.70b
Bill Payment $0.70 $0.70b $0.70b
Transfers (between BlueShore Financial accounts) Free Free Free
Interac® e-Transfers (send, request money) $1.00 $1.00 $1.00b
Pre-authorized Payment Debits $0.70 $0.70b $0.70b
Cheque Clearing $0.70 $0.70b $0.70b

b May be counted as free transaction(s) as per package set-up; fees charged after transaction limit is exceeded.

 

BlueShore Financial, Financial Advisor, Jatinder Tehara

Jatinder Tehara

Financial Advisor

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* Rates are subject to change without notice at any time. 

** Deposits are 100% guaranteed. Protection provided by the Credit Union Deposit Insurance Corporation of British Columbia.

* Subject to availability. $42 rebate can be applied against the cost of a larger box.