SPARK Chequing

Every little bit counts in the journey to financial security, which is why we came up with the SPARK Chequing Account.

We believe that it only takes a small spark to ignite your financial well-being; a series of small but prudent financial choices can, over time, kindle into something larger: a blazing sense of comfort that you can thrive in good times and withstand challenging times.

To us, this is the true definition of FREE banking.

The SPARK Chequing Account is a no-fee daily chequing account that is accessible, both online and in person.

Features:

  • Free unlimited debit card transactions, withdrawals, deposits, bill payments, pre-authorized payments, balance inquiries, e-statements, and Interac e-transfers1
  • Free ATM access to the a national ATM network bigger than most banks, all the way from BC to Newfoundland
  • No-fee overdraft protection2,3 to help cover occasional shortfalls in your account
  • Anytime, anywhere banking through your device of choice
  • Remote cheque deposits through our Deposit Anywhere ™ feature, available on our mobile banking app
  • Friendly and knowledgeable phone and in-person support from people that you’ll get to know by their first names. When you call, you’ll always speak to a human being – we don’t rely on automated phone trees to route you to the next available person
  • Interac Flash on your SPARKCU Member Card to pay for purchases under $100 quick and conveniently
  1. Other fees such as official orders, wire transfer fees, cheque purchases, and NSFs will be applied when appropriate. Paper statements are available at $1.50 per month.
  2. Members must opt-in to overdraft protection in order to take advantage of the no-fee overdraft feature. Authorized overdraft interest will be charged based on the daily overdrawn balance at prevailing overdraft interest rates, and charged to the account on the last date of the monthly billing cycle.
  3. Members who do not have the overdraft protection feature enabled on their SPARK Chequing accounts will be charged a $5.00 per item accommodation fee on the day that they go into overdraft, if the balance remains overdrawn at 11:59 am MT. Unauthorized overdraft interest will be charged based on the daily overdrawn balance at prevailing overdraft interest rates, and charged to the account on the last date of the monthly billing cycle

Deposit Anywhere ™ is a registered trademark of Central 1 Credit Union. SPARK The Energy Credit Union is a licensed user.