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Infinite Chequing Account

Experience true financial flexibility

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A BETTER WAY TO BANK

Limitless banking, endless possibilities

At Luminus Financial, we believe in banking designed to simplify your life. With the Infinite Chequing Account, we're rewriting the rules, putting you in the driver's seat of your financial journey.

The Infinite Chequing Account difference

Zero monthly fees
Fee-free transactions
Overdraft protection
Buyer protection coverage

Account features

Zero monthly fees
Your money should work for you, not the other way around. With no monthly fees, experience true financial freedom and keep more of what you earn. 
No minimum balance
Say goodbye to the stress of maintaining a minimum balance. The Infinite Chequing Account gives you the flexibility to manage your money on your terms.
Fee-free transactions
Banking should be seamless, not costly. Enjoy the freedom of fee-free transactions, allowing you to focus on what matters most—your financial goals. 
Free online banking
Welcome to banking in the palm of your hand. Our user-friendly online platform lets you access your account anytime, anywhere, making managing your money a breeze.
Overdraft protection

Life's unpredictable, but your finances don't have to be. Members who set up their Infinite Chequing Account with direct deposit of their full payroll or pension are eligible to enjoy overdraft protection in the same amount as their monthly deposits*. Just ask us how!

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 worry-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.
Infinite Chequing Under 25 Account

Adulting is hard. Banking shouldn't be.

Juggling work, rent, and everything in between can be overwhelming. Your banking shouldn’t add to the stress.
With Infinite Chequing, our most premium account, managing your money is one less thing to worry about. Plus, it’s FREE for anyone 25 years and under with no strings attached!
Open an Account

Frequently asked questions

The Infinite Chequing Account stands out with no monthly fees, no minimum balance requirements, and fee-free transactions, providing unparalleled freedom and flexibility in your banking experience.

No, online banking is free with the Infinite Chequing Account. You can access your account anytime, anywhere, making managing your finances convenient and hassle-free.

The Infinite Chequing Account requires full payroll or full pension deposit. We can assist you in setting up your payroll or pension deposit and any pre-approved withdrawals to ensure you enjoy all the benefits of the Infinite Chequing Account.

Setting up full payroll deposits is easy, and our team is here to assist you. For preapproved withdrawals, simply contact us, and we'll guide you through the process to ensure seamless access to your funds.

Overdraft protection is available to provide peace of mind during unexpected situations. To enjoy this benefit, please speak to a member service representative about having overdraft protection turned on. You will also need to ensure your account has been set up with full monthly payroll or pension deposits. The amount of your overdraft* will be set in the amount of your usual payroll or pension deposit.

*The amount available for overdraft protection is subject to conditions. Please speak with a Member-services Representative for full details.

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

The Infinite 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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