YOUR Headstart® Account

You do things the way you want but you can still take some good advice. We give you the power to take ownership of your financial future. The YOUR Headstart chequing account is FREE to youth 12-19 years of age (up to age 25 if still attending school) and offers an attractive tiered interest rate so you can watch your money grow month-by-month.

Account Features:

  • Account access via
    • Interac® Direct Payment (Member Card® is available to minors with parents consent & signature)
    • GLOBAL PAYMENT  MasterCard® (youth 16 and over with parents consent & signature)
    • Credit union affiliated ATM networks (Surcharge-free access to over 2700 ACCULINK® and EXCHANGE® ATMs throughout Canada)
    • Interac (Canada) & Cirrus® (International) ATM networks give you access to ATMs around the world1
    • TeleService® telephone banking
    • ICU® Services
    • FREE online banking access with MemberDirect®
    • FREE in-branch deposits and withdrawals
  • Pre-authorized debits
  • $5.00 to get it started
  • Monthly accrued interest
  • FREE transactions; this means that you will pay NO service fees. Think of how much money you can save...
YOUR Headstart is a great account to get your feet wet in the financial jungle. Perhaps you’re university bound, landed your first job or are saving for your first car…

Refer someone for a YOUR Headstart account and earn $20!

If an existing member, regardless of their age, refers a new member age 14-25 to open a YOUR HeadStart account, the referring member will receive $20. To receive the $20 referral bonus, the referring member needs to complete the referral card and the new member must:

  • present the referral card at the time of opening,
  • be between 14-25 years of age,
  • open a HeadStart account,
  • not currently have an account with us,
  • deposit $20 upon account opening, and
  • still have and use the account 90 days later.

1 Does not include surcharges from other institutions
2 Non-credit union or affliated ATM networks may charge a service fee

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