Get a $75 Bonus!*
Open an account at Northern Birch and get $75 as a welcome bonus. For new high school and post-secondary student members. Visit a branch today to get started!

No monthly account fees for everyone, no matter your age or account balance, plus a mobile banking app and free Interac e-Transfers®*.
Open an account at Northern Birch and get $75 as a welcome bonus. For new high school and post-secondary student members. Visit a branch today to get started!
Supporting education is part of our commitment to our members and our community. Each year we offer scholarships to student members to help them make their educational goals more achievable. Find out more about our scholarships and see if you're eligible.

Open a membership for anyone under 16 and we'll welcome them with a $30 bonus in their account to start them on their financial journey!*
I feel valued as a member of the credit union, and unlike other financial institutions, Northern Birch Credit Union has a genuinely personal feel. As I am a student, Northern Birch has helped me transition to being responsible for my finances since I trust them to ask questions and give me honest advice.
Heili P. from Toronto

Check out our articles and recorded seminars to help you learn about money matters such as establishing credit, borrowing, saving and more!
Read: Why establishing credit early on is important
Read: More Money, Less Stress: Your Guide to Smarter Student Finances
*Applicable to high school and post-secondary students only, ages 16 and older. Proof of full-time enrollment required for post-secondary students. For anyone younger than 16, a parent must accompany you to open your membership. Membership is subject to approval and new members must meet the requirements of membership at Northern Birch Credit Union. Offer eligible for new members only. To receive the $75 bonus, the new student member must hold an active chequing and/or savings account for at least 3 months. The new student member will have the bonus funds automatically deposited into their chequing or savings account after 3 months of meeting the offer and membership requirements. Member shares are waived for students 21 and younger.
The New Student Member Bonus $75 Offer may be combined with the New Member Referral Bonus Offer of $50 to the referring member only. In order for the referring member to claim the $50 bonus, they themselves must have an active chequing and/or savings account with Northern Birch Credit Union for a minimum of 3 months. Member referral Terms and Conditions apply.
A referred new member is eligible to receive the $50 referral bonus upon becoming a member (or $75 if they are an eligible student during the promotion period) but may not claim both the New Member Referral Bonus Offer of $50 and the New Student Member Bonus $75 Offer upon becoming a new member. They may in turn refer other new members and therefore then be eligible for a $50 referral bonus after meeting the above criteria. Other restrictions may apply.
If eligible, both the referring member and the new member will have the funds automatically deposited to their accounts after 3 months of each separately meeting the promotional requirements.
Student Loan/Line of Credit Bonus $75 Offer:
If a student loan application is approved and funded for an eligible member of Northern Birch Credit Union, this qualifies an eligible student for a $75 bonus. The student loan bonus applies for new and existing members who have been members for a minimum of 3 months and held an active chequing or savings account. This offer may be combined with the New Student $75 Bonus Offer. The bonus funds will be automatically deposited to their account after 3 months of meeting the promotional requirements. Other restrictions and terms and conditions apply.
All offers subject to change at any time without notice. An active account refers to an account, other than a member share account, which has a current balance and has at least one transaction made during the promotion period.
Available for our personal and business members, you can send 5 free Interac e-Transfers® a month from your eligible chequing account. Each Interac e-Transfer will be charged a $1.00 fee at time of sending. Up to five Interac e-Transfer fees will be credited back to you the member the end of the month.