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. 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...

Account Features:

  • Interac® Direct Payment debit card
  • Interac® Online Payment
  • MemberDirect® online banking
    • Interac® e-transfers
    • Lock'N'BlockTM
    • Mobile App
    • Deposit AnywhereTM
    • Mobile Banking
    • Mobile Text
    • Direct Messages and Alerts
  • Pre-authorized credits/debits
  • Pays interest at a teired rate
  • In-branch transactions
  • TeleService® telephone banking
  • ICU® (Inter-Credit Union Services)
  • Overdraft protection available based on approved credit (must be 19 years of age)
  • E-statements
  • Stop payments
  • Money orders, official cheques, and certified cheques
  • Credit union affiliated ATM networks (Surcharge-free access to over 2700 ACCULINK® and EXCHANGE® ATMs throughout Canada)
  • Use debit card at select locations in the US (Look for the Interac® logo)*
  • Interac® (Canada) and Cirrus* (International) ATM Networks give you access to ATMs around the world.*

Monthly Fee:


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.

*Surcharge fees from other institutions may apply. Non-credit union or affliated ATM networks may charge a service fee.

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