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Chequing Accounts

Make day-to-day banking a breeze.

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Find the Perfect Chequing Account

Use the tabs below to explore our accounts.

YOUR EDGE ACCOUNT

$2,500

Enjoy no monthly fees with a minimum balance requirement. Designed to give you the financial edge you deserve!

Key Features:
  • Up to 25 free transactions
  • Free unlimited deposits
  • ZERO account fees waived with a $2,500 min. monthly balance and less than 25 transactions

Account Fee: ZERO with a $2,500 min. monthly balance

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YOUR ADVANTAGE

$5,000

Take advantage of unlimited transactions and no monthly fees with a minimum balance requirement.

Key Features:
  • Unlimited transactions, electronic or in-branch
  • Unlimited deposits
  • Unlimited ATM transactions at non-credit union ATMs

Account Fee: ZERO with a $5,000 min. monthly balance

Open Account Book Appointment

PAY-PER-USE

Chequing Account

Experience ultimate flexibility with our Pay-Per-Use Everyday Chequing Account.

Key Features:
  • No minimum balance needed
  • Unlimited electronic deposits online, mobile app or at ATM
  • Transactions are charged monthly per use*

Account Fee: $4.00

Open Account Book Appointment

CHEQUING +15

Everyday Account

Perfect everyday chequing account for those who keep their transactions to 15 or fewer.

Key Features:
  • No minimum balance needed
  • Up to 15 free transactions
  • Unlimited deposits*

Account Fee: $6.00
Seniors: $4.50

Open Account Book Appointment

CHEQUING +40

Essential Banking

Stay in control of your finances while accessing essential account features that support your everyday lifestyle.

Key Features:
  • No minimum balance needed
  • Up to 40 FREE transactions
  • Unlimited deposits*
  • Personalized cheques
  • Save $10.00 on a safety deposit box

Account Fee: $14.00
Seniors: $10.50

Open Account Book Appointment

eCHEQUING

Cashless

Enjoy unlimited electronic transactions, hassle-free online and mobile banking for those on the go!

Key Features:
  • No minimum balance needed
  • Unlimited electronic transactions
  • Unlimited Interac e-Transfer®
  • Unlimited ATM transactions at non-credit union ATMs

Account Fee: $18.00
Seniors: $13.50

Open Account Book Appointment

UNLIMITED CHEQUING

Premium

Enjoy unlimited transactions and no minimum daily balance. Enjoy our seamless online and in-branch banking experience!

Key Features:
  • No minimum balance needed
  • Unlimited transactions, electronic or in-branch
  • Unlimited Interac e-Transfer®
  • Unlimited bill payments
  • Unlimited in-branch withdrawals or transfers
  • Unlimited ATM transactions at non-credit union ATMs
  • Free Canadian money orders

Account Fee: $28.00
Seniors:$21.00
Youth: ZERO

Open Account Book Appointment

HEADSTART®

Youth Chequing

This everyday account is designed for youth aged 12-25 (or 19 if not enrolled in school), offering a no-fee banking experience that promotes financial confidence and savvy money management!

Key Features:
  • No monthly fee, for youth aged 12-25
  • Unlimited Interac e-Transfer®
  • Easy access to your account
  • Unlimited electronic, ATM,  and in-branch transactions

Account Fee: ZERO

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USD CHEQUING

Currency Saver
Ideal for frequent travelers, to help you manage and preserve your USD assets without the hassel of currency conversion.
Key Features:
  • Unlimited deposit transactions
  • No monthly fee, transactions are charged as used

Account Fee: Per Transaction

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We’ll be happy to help you pick the option that best suits your needs.

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Control How You Bank

Deposit cheques in a snap and set up banking alerts to stay in control. Take control of your account's security and turn on/off only the alerts you want.

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Bank and Pay How You Want!

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On Your Mobile Device

Manage your accounts, pay bills, transfer money, and even deposit cheques right from the Valley Credit Union Mobile App on your smartphone or tablet. It’s banking at your fingertips!

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On Your Computer

Take control of your finances anytime, anywhere. Our easy-to-use online banking system lets you manage your money from the comfort of your home.

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Using Your Mobile Wallet

Make payments quick and simple by turning your smartphone into a wallet with Apple, Google, or Samsung Pay. It’s fast, easy, and secure!

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At 3,000+ ATMs

Access your cash whenever you need it with our network of over 3,000 ATMs across Canada - surcharge-fee. Your money is always within reach!

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Tools to Help You

Budgeting can be a challenge, but it’s the key to knowing where your money’s going. Once you get the hang of it, reaching your goals becomes a whole lot easier!

Guide to budgeting

"Budget" isn't a bad word. Our budgeting tool helps take the mystery and stress out of building and maintaining yours.
Download Worksheet >, opens in a new tab

Building healthy financial habits

Healthy habits aren't just for your lifestyle. Here's how to ensure future you (and current you) are set up for success.
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Get more genuine tips, tricks, and helpful resources on our Honest Money blog.

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Valley CU

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Head Office Contact Information
Main Telephone Number: 902-538-4510 or Toll Free 1-866-990-4044
Valley Credit Union Limited 5682 Hwy 1, Waterville Nova Scotia B0P 1V0

Valley Credit Union Limited (Valley CU) is a member of the Nova Scotia Credit Union Deposit Insurance Corporation (CUDIC), which at $250,000, provides the highest deposit insurance protection in Nova Scotia, Canada. Mortgage License #3000173

© Copyright 2025 Valley Credit Union Ltd. All rights reserved. Serving members in the Nova Scotia Western Zone or Annapolis Valley Region, including but not limited to Annapolis County, Kings County, and Hantsport in West Hants County.

® / ™ Trademarks are owned by, or use is authorized by, the Canadian Credit Union Association and Atlantic Central.

 
Transit/Branch #12633
Institution #839 
Routing #083912633 
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