Chequing Accounts


These accounts combine chequing/savings features with a tiered interest rate based on the daily balance. Interest is paid monthly. Monthly statement with cheque images returned (optional).


Masterplan Platinum:  The perfect account for the member who does all their banking at Heritage Credit Union. Monthly service charge is waived with a minimum monthly balance maintained. Unlimited cheque writing, POS transactions and Bill payments. Free ATM  transactions at BC Credit Union machines. Other benefits include: personalized cheques, internet banking, discount on safety deposit box, and mortgage renewal fees.


Masterplan Sterling:  For the member who writes a lot of cheques, this package account offers unlimited chequing, POS transactions, bill payments, BC Credit Union ATM withdrawals, internet banking and a discount on safety deposit box rentals.


Masterplan Silver:  The perfect option for members who do not write a lot of cheques. First 30 debits are included in the monthly fee. Free internet banking and discount on a safety deposit box rental.


Masterplan Bronze:  For members who write very few cheques. Low service charge account. Monthly statement provided.


Masterplan Golden:  Designed for anyone aged 60 and over. No monthly service charge with first 30 debits free. The golden member will also receive free basic cheque orders, internet banking and an option to upgrade to a Platinum account at a 50% discount.


Masterplan Business:  An account for a small business to a large corporation. Monthly statement with cheque images returned. 20 free debits if $5,000 balance is maintained for the month. Options available include ATM, internet banking, and night deposit service.


Masterplan Organization:  This low fee chequing account is designed for organizations or community groups. 10 free debits are included in the low monthly service fee. Monthly statement with cheque images.


Masterplan - Non Profit Organization: This free account is designed for organizations that provide a service back to the community and are community oriented.


E-Account (Electronic):  This electronic account is for anyone who wants to do their banking outside the branch. Low monthly fee includes all ATM (BC credit union), POS & Collabria Mastercard transactions and internet banking.