Tips to Reduce Fees

We're here to help you save your money

Banking fees can add up before you know it, that's why Cipher Ardent offers simple and convenient ways for you to save even more than you'd expect.

Use your CAFCard® banking card where you shop to make direct payment purchases. It's safer and more convenient than cash; cheaper and faster than writing a cheque. If you do not already have a CAFCard, visit your Cipher Ardent branch to obtain one.

Having the right account that fits your lifestyle is important.

To find out which account is best for you try our Account Selector.

To save on transaction costs you may want to change to the Preferred Package that offers unlimited transactions.

With overdraft protection, you can avoid the expense and embarrassment of having insufficient funds in your account. All debit transactions (i.e. cheques, pre-authorized payments, etc.) will be honoured up to your pre-set overdraft limit (subject to credit approval).

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