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Account Basics
MemberCard Limits
| ATM Withdrawal Limit | $1,000 |
| Point of Sale Withdrawal Limit | $3,000 |
| Daily Deposit Limit | $200,000 |
Tap
1st Choice Savings debit cards have a $200 cap before a pin is required. Please note that individual merchant terminals may impose a limit that is less (for example, a merchant may impost a $100 limit for tap).
Regardless of the transaction amounts, once a cumulative limit of $200.00 is reached, the member must enter their PIN. For example,
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$100.00 (can tap)
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$75.00 (can tap)
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$50.00 (must enter PIN)
Apple Pay
Apple Pay is a mobile payment service that stores card information in a digital wallet on a mobile device so that users don't have to carry physical cards.
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Apple Pay does not have specific limits; they are driven by the card limits and by limits on the merchant terminal.
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Each time Apple Pay is used, the user is authorizing the transaction through either password or biometric methods, so these transactions aren’t subject to the same limits as "tap."
Last updated November 5, 2024
Chequing Accounts
MemberCard Limits
| ATM Withdrawal Limit | $1,000 |
| Point of Sale Withdrawal Limit | $3,000 |
| Daily Deposit Limit | $200,000 |
Tap
1st Choice Savings debit cards have a $200 cap before a pin is required. Please note that individual merchant terminals may impose a limit that is less (for example, a merchant may impost a $100 limit for tap).
Regardless of the transaction amounts, once a cumulative limit of $200.00 is reached, the member must enter their PIN. For example,
-
$100.00 (can tap)
-
$75.00 (can tap)
-
$50.00 (must enter PIN)
Apple Pay
Apple Pay is a mobile payment service that stores card information in a digital wallet on a mobile device so that users don't have to carry physical cards.
-
Apple Pay does not have specific limits; they are driven by the card limits and by limits on the merchant terminal.
-
Each time Apple Pay is used, the user is authorizing the transaction through either password or biometric methods, so these transactions aren’t subject to the same limits as "tap."
Last updated November 5, 2024
Savings Accounts
MemberCard Limits
| ATM Withdrawal Limit | $1,000 |
| Point of Sale Withdrawal Limit | $3,000 |
| Daily Deposit Limit | $200,000 |
Tap
1st Choice Savings debit cards have a $200 cap before a pin is required. Please note that individual merchant terminals may impose a limit that is less (for example, a merchant may impost a $100 limit for tap).
Regardless of the transaction amounts, once a cumulative limit of $200.00 is reached, the member must enter their PIN. For example,
-
$100.00 (can tap)
-
$75.00 (can tap)
-
$50.00 (must enter PIN)
Apple Pay
Apple Pay is a mobile payment service that stores card information in a digital wallet on a mobile device so that users don't have to carry physical cards.
-
Apple Pay does not have specific limits; they are driven by the card limits and by limits on the merchant terminal.
-
Each time Apple Pay is used, the user is authorizing the transaction through either password or biometric methods, so these transactions aren’t subject to the same limits as "tap."
Last updated November 5, 2024
Statements & Balances
MemberCard Limits
| ATM Withdrawal Limit | $1,000 |
| Point of Sale Withdrawal Limit | $3,000 |
| Daily Deposit Limit | $200,000 |
Tap
1st Choice Savings debit cards have a $200 cap before a pin is required. Please note that individual merchant terminals may impose a limit that is less (for example, a merchant may impost a $100 limit for tap).
Regardless of the transaction amounts, once a cumulative limit of $200.00 is reached, the member must enter their PIN. For example,
-
$100.00 (can tap)
-
$75.00 (can tap)
-
$50.00 (must enter PIN)
Apple Pay
Apple Pay is a mobile payment service that stores card information in a digital wallet on a mobile device so that users don't have to carry physical cards.
-
Apple Pay does not have specific limits; they are driven by the card limits and by limits on the merchant terminal.
-
Each time Apple Pay is used, the user is authorizing the transaction through either password or biometric methods, so these transactions aren’t subject to the same limits as "tap."
Last updated November 5, 2024
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Under 'Accounts', select 'View eStatements':
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Select the accounts you'd like to appear on your eStatement; these will be highlighted in green.
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Monthly eStatements (e.g. March 24th - April 23rd) can be generated with the details of one or more accounts.
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Select the eStatement you'd like to download.
Once downloaded, eStatements can be found in your downloads folder.
Last updated September 21, 2023
Opening a new account
Understanding interest rates and how interest is calculated
Closing an account
Upgrading an account
Finding your account number
Setting up account alert notifications
Dormant or inactive accounts in digital banking
Items to have on hand to open a chequing account
Items to have on hand to open a savings account
Opening a US dollar account
Understanding US dollar accounts
Understanding GICs
Opening a GIC
Transferring funds into a GIC
Cashing out a GIC
Understanding service fees
Disputing a service fee
Viewing account balances
Viewing account balances without signing in
Understanding account statements
Exporting account transactions
Pending account transactions
Understanding account transaction fees
Accessing eStatements for annual income taxes
Changing your statement delivery preferences
Understanding overdraft
Applying for overdraft protection
Requesting a bigger overdraft
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