Since each caisse is a cooperative, when you open your first account in a caisse you must pay a $5 qualifying share to become a member. Membership means you have access to our services and can participate in the caisse's democratic life, for example by voting at general meetings. If you open an account in a different caisse, you'll have to pay a new qualifying share.
It's not an account opening fee. If you close the account, we will reimburse your $5.