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Daily Banking

Putting your goals first

Get all the convenience and services you need, with the personalized service and community focus only a credit union can provide.

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Everything You Need for Your
Daily Financial Life

From your everyday banking to your long-term savings, our suite of products and services are designed to make managing your money simple and secure.

Chequing Accounts

Our no-fee account is perfect for everyone—unlimited transactions and no minimum balance.

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Premium Savings Accounts

Earn a competitive rate on your savings while still having access to your funds.

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Student Banking

Smart, no-fee banking designed for student life, plus a $75 bonus!*

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Trust Accounts

Build a financial future for the child in your life with a no-fee trust account — a simple, flexible way to save for the future.

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Become a Member

Discover what it means to be an owner of your financial institution.

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Bank When and Where You Want

Enjoy the convenience of full-service digital banking — manage accounts online and on the go, access a nationwide ATM network, and get personalized support at local branches.

Online & Mobile Banking

Busy schedule? Mobile and online banking is open 24/7. Pay bills, transfer money, deposit cheques - all within the easy-to-use interface of online banking and our mobile banking app.

Explore Digital Banking features

Ding-Free® Debit Cards

With your Northern Birch debit cards you have access to the second largest surcharge-free ATM network in Canada.

Find an ATM Near You

Branch Support

Sometimes, you just want to talk to a person. Our team is here for you. Find a branch near you.

Find a Branch or Book an Appointment

 
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Special Offer!

Students, earn $75* when you become a member and open a no-fee chequing or savings account.

Find Out More

*Conditions apply.

Is a Credit Union Right for Your Everyday Finances?

Choosing where to do your daily banking matters. At Northern Birch, you’re a member and owner, not just a customer. We take the time to listen to you, putting your financial well-being at the forefront of what we do.

What you care aboutNorthern Birch Credit UnionNational bankSWhy it matters
Monthly chequing feesEnjoy free chequing and savings—everyday. With unlimited internal transactions and 5 free Interac e-Transfers® each month, you save more.“Unlimited” plans are typically $16.95–$30/month, often waived only if you keep ~$4,000 minimum daily balance.Keep your money in your high interest savings! Transfer money as needed.
Savings ratesTake advantage of higher interest rates, no monthly fees and no minimum balance and save more.Big banks lean on short promos; standard fees often apply after promos end.Our premium savings accounts give you a healthy interest rate all year round—it’s not just an introductory promo.
Personal supportOur team is here for you. We pride ourselves in building strong relationships with members, providing personalized care for each member.Centralized service with national perks; policies less flexible.We know you by name and care about your financial well-being.
Community impactWe care about our community. With investments into community programs, student scholarships, and local projects, we support the things you care about.Profits go primarily to external shareholders.As a member, you are our primary shareholder. You reap the benefits through no monthly account fees, low service fees, and extremely competitive interest rates.

You can bank with Northern Birch with confidence. We are backed by the Financial Services Regulatory Authority of Ontario (FSRA), and as a member, eligible deposits are insured up to $250,000 in non-registered accounts and unlimited in registered accounts.

Our Commitment to You

At Northern Birch Credit Union, we believe banking should be about more than transactions. It should be about building relationships, supporting dreams, and strengthening communities. Our people-first service ethos is rooted in decades of community values and member-focused service.

Become a Member

Meet Miina Billones,
Manager, Member Experience

One of the many experts ready to help you achieve your financial goals with personalized advice and genuine care.

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Daily Banking for Small Businesses

Northern Birch Credit Union is committed to supporting small businesses and helping them to grow and thrive. Find out more about our products and services for small businesses, associations, and organizations.

Business Daily Banking

Your Questions, Answered

Credit Unions are member-owned, non-profits. That means members reap the benefits of profits through better rates and no fees or lower fees. Your deposits are protected by the Financial Services Regulatory Authority of Ontario (FSRA), a government agency that ensures the stability of the provincial financial sector and provides robust deposit insurance to all credit union members. This protection often exceeds traditional banks in that your non-registered accounts (like chequing and savings) are insured up to $250,000 per member. There is unlimited coverage for registered plans. Unlike typical bank insurance (CDIC), which typically caps coverage at $100,000 per category, your retirement and first-home savings at Northern Birch are fully protected, regardless of the amount.

Yes you will! With no monthly account fees, unlimited transactions, and Ding-Free® ATM withdrawals at Exchange Network ATMS across Canada, you definitely save money by banking at Northern Birch. All our fees are kept low. We reinvest our profits for your advantage with low fees, great rates, and highly personalized service.

As a member, you get 5 free Interac e-Transfers® every month. We also provide a debit card, giving you access to cash at any ATM, including Ding-Free® Exhange Network ATMs across Canada. We also have an assortment of uniquely designed credit cards. Choose the card that is best for your lifestyle.

Our service is highly personal. We know each member is unique. We provide a broad base of services and products to help build your financial health. Whether you prefer to bank online, by phone, or in person, we are here for you.

No-fee chequing and savings is always a bonus, but we have many more advantages for our students. Online and mobile banking makes banking convenient anywhere, anytime. Ding-Free® ATMs give you access to cash anywhere in Canada.

Ask us about our discounted students loans. They are not dependent on your parents’ financials. We also offer annual scholarships to our student members to help them reach their educational goals.

 

No Monthly Account Fees

We keep everyday banking simple with no fees on everyday chequing and savings accounts, free Interac e-Transfers® each month, and unlimited transfers between accounts. Plus, we provide Ding-Free® Exchange Network ATM access throughout Canada.

We work hard to serve you better.

View Service Fees

*Certain conditions apply to chequing and savings accounts and to bonus offers.

 
 
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