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Classic Chequing Account

A practical account that just makes sense

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A BETTER WAY TO BANK

Your financial essentials, your way

Discover effortless banking with the Luminus Financial Classic Chequing Account. Tailored to suit your day-to-day financial needs, this account allows you to pay only for the services you use, giving you ultimate control over your finances.

Simple and transparent

Easy to understand pricing
Know exactly what you're paying for each month. No surprises, just straightforward and fair pricing.
Flexibility in your hands
Whether you're a heavy user or someone who prefers minimal transactions, the Classic Chequing Account adapts to your lifestyle.
Convenient access
Seamlessly manage your day-to-day finances with free in-branch and electronic deposits.

Account features

Pay-as-you-go pricing
With the Classic Chequing Account, you pay only for the services you use to manage your daily finances. Whether it's bill payments, deposits, withdrawals, or more, you have the flexibility to choose and pay for what you need. See our fees.
Buyer protection
Shop with confidence! Your purchases are shielded for 120 days, whether it's a stolen gadget, a broken appliance, or even a gift damaged in an unforeseen mishap.
Extended warranty
Double the warranty on your purchases for up to two years, all at no extra cost. No applications, no fees—just added peace of mind for your valued possessions.

Discover unmatched protection for your purchases with Luminus Financial!

Get an in-depth look at our exclusive buyer protection, only for credit union members!
Learn more here
As a Luminus Financial member, you get exclusive access to our buyer protection and extended warranty programs, facilitating a stress-free shopping experience.

Enjoy 120-day coverage for most retail items, including gifts, against theft, damage, and more. Plus, our extended warranty doubles your warranty period for up to two years, all seamlessly integrated with your Luminus MEMBER CARD®.

Experience a new level of security and peace of mind with Luminus Financial.

Frequently asked questions

The Classic Chequing Account offers pay-as-you-go pricing, allowing you to pay only for the services you use to manage your daily finances. It's a flexible and cost-effective solution tailored to your needs.

You pay only for the services you use, such as bill payments, deposits, withdrawals, and more. This flexible pricing model ensures you have control over your transaction costs.

It's easy! Click here to start the application process. Our seamless online application will guide you through the steps to open your Classic Chequing Account and begin enjoying the benefits.

The Classic Chequing Account is designed for personal use and is not intended for business purposes. If you require a business account, please see our available business accounts or contact us for suitable options.

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Dear Members: In connection with the audit of the financial statements of Luminus Financial Services & Credit Union as at December 31, 2025 and for the year then ended, please review your statement. If it does not agree with your records, please report any differences directly to our auditors, MNP LLP: Bryn Hafer, bryn.hafer@mnp.ca, (416) 617-3074.

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