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$0 Monthly Fee
& Unlimited Transactions

  • No minimum balance
  • A surcharge-FREE ATM is always nearby
  • Unlimited deposits and withdrawals
  • Unlimited bill payments & debit transactions
  • Free Me2Me money transfers
DUCA helps Ontarians do more, be more and achieve more with their money and their lives.

Access DUCA - Your Way

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†unlimited DUCA / THE EXCHANGE© NETWORK ATM transactions (more than 3,300 ATMs across Canada)

Did we mention No Fees?!

There’s no catch, no minimum balance and no monthly fees. Over the course of your lifetime, your bank account may cost you in excess of $10,000 on monthly account fees alone.

Share in our Profits

We divide DUCA’s profits among each Member** in our Get More Bonus Share program. Find out more.

**based on the interest they pay or receive each year.

Do More, Be More, Achieve More

We believe our credit union is about more than just profits.
It’s about helping our Members achieve more in their lives, building communities and providing simple, efficient financial services. We invest in our communities through philanthropic initiatives, grants and sponsorships. We call it the DUgood difference.

A brighter retirement

“I feel more comfortable about my retirement now than I did 6 months ago.”

Exchange Network saves me money

“I can use an Exchange Network ATM free of charge anywhere in Canada. You can’t do that with the big banks!”

Family values

“Thanks to DUCA, we have a fully detached house and my son will get to grow up in a beautiful neighbourhood.”


*New Members MUST register here in order to collect $50 and designate the charity of their choice for the other $50.

Investment of $1.00 DUCA Membership Share is required to open an account. Within 90 days of opening, the new Member will receive a $50 credit by direct deposit to a specified DUCA account. For a charity to be considered, it must be registered in Canada and must have a charitable organization certificate. DUCA reserves the right, at our sole discretion, to change, modify or otherwise alter these terms and conditions at any time.