Border-Free
Banking

Living life in two currencies?

Our Windsor-Essex members are uniquely positioned with thousands of residents crossing the U.S. border daily for work, education, and recreation. While there are many benefits of border hopping, including competitive rates and wages, the financial challenge of operating in two currencies can be frustrating.

Whether you are working, learning, travelling, or shopping across the border, you can benefit from our competitive suite of U.S. dollar products and services with our Border-Free Banking solutions designed to protect against fluctuating exchange rates. Take advantage today.

U.S. dollar Loans

We offer loans with favourable rates, minimizing the impact of fluctuating exchange rates on your budget. We also offer credit and debit cards with competitive international transaction fees, making it cost-effective to make large U.S. dollar purchases.

Whether you’re buying a big-ticket item or planning an overseas trip, we provide our members with affordable solutions for managing larger expenses in U.S. currency that are protected against fluctuations in the exchange rate.

U.S. dollar Visa*

Your new U.S. dollar Visa Card is your key to earning the privileges you deserve whenever you go to the United States or shop online with a U.S. company. Because there are no foreign transaction fees for U.S. purchases, this is the perfect card when you travel or shop in the U.S.

*Trademark of Visa Int., used under license

U.S. dollar GICs

U.S. dollar Guaranteed Investment Certificates (GICs) provide a range of flexible options to suit your investment needs, with terms spanning from as short as 30 days to as long as one year. These GICs offer a great way to grow your savings in U.S. currency, making them an attractive choice for both short-term and mid-term financial goals.

Our U.S. dollar GICs offer a reliable and low-risk avenue for achieving your financial objectives. Plus, with the support and guidance provided by our team, you can make informed decisions about the right GIC term for your specific financial situation, ensuring that your money works harder for you while you maintain peace of mind about its safety.

U.S. Daily Interest Savings Account

Our U.S. Dollar Daily Interest Savings Account offers optional chequing privileges.

Benefits of this account include:

Protect your balance and avoid fluctuating exchange rates when you deposit, withdraw, or need USD. Check in on your account 24/7 anywhere with online statements.

The ability to deposit U.S. cash, cheques or travellers cheques without conversion

Affordable, no fees for cashing and depositing cheques, and for debits with a minimum balance

No minimum balance required to earn interest

Competitive interest rate earned on every dollar, calculated daily and paid monthly

Convenient access to online statements

No fee for cashing or depositing U.S. cheques

Foreign Exchange Services

Need to exchange currency? Make the most of every U.S. dollar with our Foreign Exchange Services. Whether you’re a business making large sum transactions, or you’re traveling abroad, our Foreign Exchange Services offer the best avenue to exchange your money. Our dedicated team continuously monitor the currency markets, ensuring you always get the best available rate.

For U.S. currency, stop by a retail location today for your next Foreign Exchange transaction. For international needs, we can buy and sell foreign currency banknotes for over 50 currencies through a partnership with Travelex. Call our Member Contact Centre at 1-866-500-9328 to learn more.