• Earn valuable Choice Rewards Points
• Redeem points for brand-name merchandise, exciting travel packages or travel credits
• Receive the Choice rewards catalogue once you enroll
• Redeem your points over the phone
• Receive a statement of accumulated points twice a year

• Provides access to IBA/Plan 24/Youth Account through ATM withdrawals and/or deposits
• Purchase goods and services through Direct Payment merchants worldwide
• Real-time account balance update
• Cash back services at certain merchants
• Transfer of funds from one account to another
• PIN Driven
• No annual fees

• Minimum $5,000.00 Line of Credit limit
• Cash advances available
• Out of Province/Country Medical Insurance - $500,000
• Common Carrier Travel Accident Insurance
• 180-Day Top-Up Insurance available
• Trip Cancellation Insurance
• Master Purchase Insurance
• Extended Warranty Insurance
• Emergency Card Services
• Accidental Death Insurance
• MasterRental
• MasterTrip
• MasterLegal
• Optional Choice Rewards points program
• Chargeback rights
• Accepted worldwide at 17 million locations where MasterCard logo is displayed
• ATM access to over 330,000 locations in 220 countries
• Master RoadAssist 24-hour roadside assistance at preset rates
• 5% rebate from Canadian Travel Coop when using your card to purchase airfare, cruises or package vacations

• No annual Fee
• Not PIN Driven
• Cash advances available
• Provides access to IBA and Plan 24 through ATM for withdrawals, transfers and deposits
• Common Carrier Accident Insurance - $100,000
• Purchase goods and services through MasterCard merchants
• Transfer of funds from one account to another
• Extended manufacturer's warranty up to one additional year on most items purchased with the card
• Purchase Protection Insurance
• Accidental Death Insurance
• Master RoadAssist 24-hour roadside assistance at preset rates
• Optional Choice Rewards points program
• 5% rebate from Canadian Travel Co-op when using your card to purchase air fare, cruises or package vacations
• Chargeback rights
• Accepted worldwide at 17 million locations where MasterCard logo is displayed
• Emergency Card Services
• ATM access at over 330,000 locations in 220 countries

• Gold MasterCard Credit Card
• Student MasterCard Credit Card
• Low fee MasterCard Credit Card
• Platinum Class - No Fee MasterCard Credit Card

• No fee Canadian and U.S. American Express Traveller's cheques
• Canadian and U.S. Money Orders

• RRSP/RRIF's
• RESP
• Term Investments
• Wills and Estate Planning
• Financial Planning
• Other trust services

See the Branch for Concentra Investment Rates.
Visit the Concentra Financial web site.

We are a leader...because we work with leaders. The credit union system has a long history of innovation and leading you, out members, ahead of the curve of technology.

MemberDirect^® Online Service allows members to access their ACE Credit Union accounts 24 hours a day - 7 days a week. MemberDirect^® Online Service allows members to transfer funds between accounts, make electronic bill payments and more.

HyperWALLET™ is an internet based program that will allow you to transfer funds from your ACE Credit Union accounts to anyone who has an email address and a hyperWALLET™ account. HyperWALLET™ can also be used to make online purchases from eBay or any other online auction.

Please visit our MemberDirect^® Online Service site to find out more about the user-friendly features of MemberDirect^® Online Service, and take a moment to check out "hyperWALLET™".