Chequing Accounts

Regular Chequing

A basic chequing account made for people who do not use their account very often.  Created to make administering those day to day bills and expenses easy meanwhile, providing the same convenience as our other chequing accounts.


  • No minimum balance required
  • No charge for in-branch counter deposits and withdrawals
  • Personalized cheques provided at cost
  • MEMBER CARD® debit card available at no cost
  • Direct payment 40¢ per transaction
  • CU@HOME® Internet Banking

Golden (59+ years)

Vanguard Credit Union’s Golden accounts are designed to honor our senior members for their years of commitment to our Credit Union.  If you are 59 or older you automatically qualify for this account.


  • 0.05% Interest bonus on Golden Savings account
  • Unlimited debit and credit transactions
  • No ATM or per cheque fees
  • No fee interac Direct Payment service
  • No fee stop payments and certified cheques
  • No fee bill payments, includes CU@HOME® Internet Banking services
  • No fee INTERAC e-Transfer†
  • No fee traveler’s cheques
  • 10% discount on Travel Insurance
  • $5.00 discount on Safety Deposit Box rental
  • Buyer Protection/ Extended Warranty included with MEMBER CARD® debit card
  • Personalized cheques provided at cost
  • Option of a Golden Premium All-in-One account
  • Qualify for a No Fee U.S. Premium All-in-One account

Premium All-in-One

An account designed for members who want the best of both worlds. Members have the ability to write checks and earn daily interest on the same account.


  • Chequing and Savings combined into one account
  • Calculates interest on the closing daily balance
  • Pays interest monthly according to a layered rate structure
  • Buyer Protection/ Extended Warranty included with MEMBER CARD® debit card
  • Personalized cheques provided at cost

U.S. Premium All-in-one

Provides a combination of U.S. chequing and savings all in one package. There is no need to convert U.S. cheques or cash, simply deposit to your U.S. account. Eliminates the need for purchasing U.S. Money Orders or Drafts, simply write a cheque.


  • US Chequing and US Savings account combined into one for your convenience
  • Calculates interest on the daily closing balance
  • Pays interest monthly according to a layered structure
  • Per cheque service charge of  75¢
  • Alternatively, $5.00 per cheque fee for U.S. items cleared through a Canadian account
  • Detailed monthly statement provided
  • Offers you the opportunity to convert money when it’s most convenient/favourable for you



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Vanguard Credit Union is a full-service financial institution with branches in Binscarth, Birtle, Brandon, Hamiota, Kenton, Miniota, Oak Lake, Oak River, Rossburn, Russell, and St. Lazare.

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