Valley First chequing account fees

The Valley First debit count

Opened 21 October 2026. The account is on the Valley First Tru Essentials chequing page, published at trucooperativebank.ca. The account text says Tru Cooperative Bank. The monthly fee is $0. There is no minimum balance and no interest. The first 12 debit transactions are free. The next 6, transactions 13 through 18, are $1.50 each. After the 18th debit, the rest of the month is free. The most those debit fees can be is $9 in a month.

A debit on this page includes a purchase at a store, an outgoing Interac e-Transfer and a fulfil request, an in-branch withdrawal, an EXCHANGE or ACCULINK ATM withdrawal, a bill payment, a cheque that clears, and a pre-authorized debit. A transfer between Tru Cooperative Bank accounts in online or mobile banking is free. A BIGChange deposit is free and does not count. The purchase does count. Collabria and CUMIS pre-authorized debits and bill payments made in online or mobile banking are free and are not in the count. An ATM outside EXCHANGE and ACCULINK may add a fee. This page does not copy a dollar for that ATM, because the chequing page points at a separate personal service fee list.

Members under 19 get unlimited debits at no fee until 1 January of the year the primary account holder turns 20. People who receive the Guaranteed Income Supplement, and RDSP beneficiaries, can ask for a fee waiver. The page says to contact the credit union for that waiver. It does not print an extra dollar. The phone on the Valley First page is 1-888-597-8083. Hours are Monday to Friday 8am to 8pm, Saturday 8:30am to 4pm, and Sunday 11am to 3pm. That number is not the Envision number and not the Island Savings number.

The line on your own statement is the one that counts. Upload it on the upload page. The PDF stays on your device. Expenvo lists the lines. It does not call the institution.

Which Tru page to use

Match the brand on the statement. Envision Financial chequing fees uses 1-888-597-6083. Island Savings chequing fees uses 1-888-597-1083. The debit counts match. The phone does not.

Questions

Does Valley First charge a monthly chequing fee?

The Tru Essentials page prints $0 a month and no minimum balance.

How many Valley First debits are free?

The first 12 are free. The next 6 are $1.50 each. After the 18th, debits are free. The cap is $9 a month.

What number does the Valley First page print?

1-888-597-8083, Monday to Friday 8am to 8pm, Saturday 8:30am to 4pm, and Sunday 11am to 3pm.

Sources

• Valley First: Tru Essentials chequing

Related guides

• Monthly chequing fees by bank
• Envision Financial chequing fees
• Island Savings chequing fees
• Canadian bank fees on a statement
• How to ask your bank to refund a fee