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Agricultural Chequing Accounts

Choose from a range of flexible agriculture chequing accounts from ACU for easy, efficient everyday banking.

Everyday banking designed for agriculture 

ACU’s Agriculture Chequing Accounts support the daily banking needs of farms and agribusinesses across Manitoba. Through ACU’s Agribusiness Financial Centre (AFC), members work with dedicated advisors who understand the operational realities of agriculture and provide solutions grounded in local expertise and cooperative values.

With flexible account options and convenient digital banking tools, our Agriculture Chequing Accounts make it easier to manage cash flow, pay suppliers, and keep your operation running smoothly—whether you’re managing seasonal activity or high‑volume transactions. As ACU continues to expand across Manitoba, we remain focused on delivering practical, agriculture‑specific banking solutions that help producers and ag‑based businesses thrive.

 

Enjoy benefits like:

  • Flexibility: ACU offers a range of agriculture chequing accounts to suit the size and structure of your operation. Whether you need unlimited transactions, low monthly fees, or tailored features for larger operations, there’s an account designed to match your everyday banking needs and support your agriculture business as it grows.
  • Accessibility: Manage your agricultural finances effortlessly with 24/7 access through ACU’s online banking and mobile app. Enjoy free intra-account transfers via online, mobile, and telephone banking, ensuring your funds are always within reach when you need them.
  • Security: Your operations savings are safeguarded with robust security measures, including industry-standard encryption and secure login options.
  • Peace of mind: Deposits are 100% guaranteed by the Deposit Guarantee Corporation of Manitoba.
  • Community impact: When you bank with ACU, your money is doing more by helping to support values-based initiatives that strengthen communities across Manitoba.
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Accounts

Agriculture Basic

Keep it simple with an agricultural chequing account that only charges you for the transactions you use.

$0.00 Monthly Fee

Features

  • Pay as you go
  • Free self-serve transfers between accounts
  • Free self-serve member to member transfers
  • Free deposits (ATM, pre-authorized credits, in-branch and night deposit)

Choose Agriculture Basic if your agricultural operation banks occasionally and wants to pay only for what it uses.

More details

Agriculture 30

A budget‑friendly plan for everyday agricultural banking.

$17.00 Monthly Fee

Features

  • 30 free transactions per month. This includes self‑serve and full‑serve transactions.
  • 5 free Interac® e-Transfers per month
  • Free self-serve transfers between accounts
  • Free self-serve member to member transfers
  • Free deposits (ATM, pre-authorized credits, in-branch and night deposit) 

Choose Agriculture 30 if your agricultural operation makes a moderate number of transactions and wants the flexibility of both self serve and full serve banking.

More details 

Agriculture 75

An all‑in‑one plan designed for agricultural operations that need more included transactions and added flexibility.

$40.00 Monthly Fee

Features

  • 75 free transactions per month. This includes self‑serve and full‑serve transactions.
  • 5 free Interac® e-Transfers per month
  • Free self-serve transfers between accounts
  • Free self-serve member to member transfers
  • Free deposits (ATM, pre-authorized credits, in-branch and night deposit)

Choose Agriculture 75 if your agricultural operation transacts regularly and needs more included transactions each month.

More details 

Agriculture 150

For agricultural operations that bank often and maintain high account balances.

$70.00 Monthly Fee

Monthly fee waived with a minimum monthly balance of $75,000

Features

  • 150 free transactions per month. This includes self‑serve and full‑serve transactions.
  • 5 free Interac® e-Transfers per month
  • Free self-serve transfers between accounts
  • Free self-serve member to member transfers
  • Free deposits (ATM, pre-authorized credits, in-branch and night deposit)
  • Earn daily interest on your closing balance

Choose Agriculture 150 if your agricultural operation conducts frequent, higher volume transactions and maintains high account balances.

 More details 

Agriculture US

Simplify your cross‑border banking with a U.S. account designed for agricultural operations.

$0.00 Monthly Fee

Features

  • Pay as you go
  • Free self-serve transfers between accounts
  • Free deposits (pre-authorized credits, in-branch and night deposit)
  • Earn daily interest on your closing balance

Choose Agriculture US if you want to protect your U.S. dollar funds from exchange rate fluctuations.

More details 

Account details and fees

Agriculture Basic Chequing Account

Only be charged for what you use.

Fees

Monthly Fee $0.00
Minimum Monthly Balance to Waive Monthly Fee N/A
Number of FREE Transactions Pay as you go
Number of FREE Interac® e-Transfer (send/Request Money¹) Pay as you go
SELF-SERVE
Point of Sale $0.90
ATM Withdrawal (ACU, Manitoba Credit Unions or ACCULINK® ATM) $0.90
ATM Deposit² FREE
Bill Payment (Online, Mobile, Telephone)³ $0.90
Transfers Between Accounts (Online, Mobile, Telephone, ATM⁴)⁵ FREE
Member to Member Transfers (Online, Mobile) FREE
Pre-authorized Credit FREE
Pre-authorized Debit $0.90
FULL-SERVE
Cheque $0.90
Debit (Withdrawal, Transfer) $0.90
Deposit (In branch, Night deposit) FREE
ADDITIONAL SERVICES
Interac® ATM Withdrawal (Canada)⁶
 $2.00
Cirrus® ATM Withdrawal (US/International)⁶ $3.50
Interac® e-Transfer (send/Request Money¹) $1.00
Bill Payment (In branch) $1.50
eStatements FREE
Mobile Deposit FREE
Deposit Books⁷  FREE
Interest N/A
1 With Interac® e-Transfer Request Money, the fee is charged to the requestor at the time the request is accepted & deposited.
2 Business deposits must be made at an ACU ATM machine.
3 Includes immediate, scheduled and recurring bill payments.
4 ATM and Telephone Banking transfers are not available with the USD account.
5 Cross-currency transfers between USD and CAD accounts are only available through online or mobile banking. They are processed at the base tier rate ($0–$24,999). Tiered rates for amounts over $25,000 are available by visiting a branch or contacting the Member Communication Centre.
6 The withdrawal counts as a transaction. In addition to this fee, a transaction fee will apply.
7 Generic deposit books are provided at no cost. Personalized deposit books are available for purchase.
 
Rates and fees are subject to change.
 
ACCULINK® is a registered trademark of the Canadian Credit Union Association, used under licence.
Interac® is a registered trademark of Interac Corp. Used under licence.
Cirrus® is a registered trademark of Mastercard International Incorporated.

Agriculture 30 Chequing Account

A budget-friendly plan for everyday business banking.

Fees

Monthly Fee $17.00
Minimum Monthly Balance to Waive Monthly Fee N/A
Number of FREE Transactions 30
Number of FREE Interac® e-Transfer (send/Request Money¹)² 5
SELF-SERVE
Point of Sale $0.90
ATM Withdrawal (ACU, Manitoba Credit Unions or ACCULINK® ATM) $0.90
ATM Deposit³ FREE
Bill Payment (Online, Mobile, Telephone)⁴ $0.90
Transfers Between Accounts (Online, Mobile, Telephone, ATM⁵)⁶ FREE
Member to Member Transfers (Online, Mobile) FREE
Pre-authorized Credit FREE
Pre-authorized Debit $0.90
FULL-SERVE
Cheque $0.90
Debit (Withdrawal, Transfer) $0.90
Deposit (In branch, Night deposit) FREE
ADDITIONAL SERVICES
Interac® ATM Withdrawal (Canada)⁷ 
 $2.00
Cirrus® ATM Withdrawal (US/International)⁷  $3.50
Interac® e-Transfer (send/Request Money¹)² 5 FREE; $1.00
Bill Payment (In branch) $1.50
eStatements FREE
Mobile Deposit FREE
Deposit Books⁸ FREE
Interest N/A
1 With Interac® e-Transfer Request Money, the fee is charged to the requestor at the time the request is accepted & deposited.
2 $1.00 is charged in real-time and refunded at the end of the month up to 5 free e-Transfers or Request Money Transactions included with your account.
3 Business deposits must be made at an ACU ATM machine.
4 Includes immediate, scheduled and recurring bill payments.
5 ATM and Telephone Banking transfers are not available with the USD account.
6 Cross-currency transfers between USD and CAD accounts are only available through online or mobile banking. They are processed at the base tier rate ($0–$24,999). Tiered rates for amounts over $25,000 are available by visiting a branch or contacting the Member Communication Centre.
7 The withdrawal counts as a transaction. In addition to this fee, a transaction fee applies if the withdrawal is not covered by your account plan or you exceed the number of free transactions.
8 Generic deposit books are provided at no cost. Personalized deposit books are available for purchase.
 
Rates and fees are subject to change.
 
ACCULINK® is a registered trademark of the Canadian Credit Union Association, used under licence.
Interac® is a registered trademark of Interac Corp. Used under licence.
Cirrus® is a registered trademark of Mastercard International Incorporated.

Agriculture 75 Chequing Account

All in one easy, budget-friendly monthly plan.

Fees

Monthly Fee $40.00
Minimum Monthly Balance to Waive Monthly Fee N/A
Number of FREE Transactions 75
Number of FREE Interac® e-Transfer (send/Request Money¹)² 5
SELF-SERVE
Point of Sale $0.90
ATM Withdrawal (ACU, Manitoba Credit Unions or ACCULINK® ATM) $0.90
ATM Deposit³ FREE
Bill Payment (Online, Mobile, Telephone)⁴ $0.90
Transfers Between Accounts (Online, Mobile, Telephone, ATM⁵)⁶ FREE
Member to Member Transfers (Online, Mobile) FREE
Pre-authorized Credit FREE
Pre-authorized Debit $0.90
FULL-SERVE
Cheque $0.90
Debit (Withdrawal, Transfer) $0.90
Deposit (In branch, Night deposit) FREE
ADDITIONAL SERVICES
Interac® ATM Withdrawal (Canada)⁷ 
 $2.00
Cirrus® ATM Withdrawal (US/International)⁷   $3.50
Interac® e-Transfer (send/Request Money¹)² 5 FREE; $1.00
Bill Payment (In branch) $1.50
eStatements FREE
Mobile Deposit FREE
Deposit Books⁸ FREE
Interest N/A
1 With Interac® e-Transfer Request Money, the fee is charged to the requestor at the time the request is accepted & deposited.
2 $1.00 is charged in real-time and refunded at the end of the month up to 5 free e-Transfers or Request Money Transactions included with your account.
3 Business deposits must be made at an ACU ATM machine.
4 Includes immediate, scheduled and recurring bill payments.
5 ATM and Telephone Banking transfers are not available with the USD account.
6 Cross-currency transfers between USD and CAD accounts are only available through online or mobile banking. They are processed at the base tier rate ($0–$24,999). Tiered rates for amounts over $25,000 are available by visiting a branch or contacting the Member Communication Centre.
7 The withdrawal counts as a transaction. In addition to this fee, a transaction fee applies if the withdrawal is not covered by your account plan or you exceed the number of free transactions.
8 Generic deposit books are provided at no cost. Personalized deposit books are available for purchase.
 
Rates and fees are subject to change.
 
ACCULINK® is a registered trademark of the Canadian Credit Union Association, used under licence.
Interac® is a registered trademark of Interac Corp. Used under licence.
Cirrus® is a registered trademark of Mastercard International Incorporated.

Agriculture 150 Chequing Account

For businesses that bank often and maintain high account balances.

Fees

Monthly Fee $70.00
Minimum Monthly Balance to Waive Monthly Fee $75,000
Number of FREE Transactions 150
Number of FREE Interac® e-Transfer (send/Request Money¹)² 5
SELF-SERVE
Point of Sale $0.90
ATM Withdrawal (ACU, Manitoba Credit Unions or ACCULINK® ATM) $0.90
ATM Deposit³ FREE
Bill Payment (Online, Mobile, Telephone)⁴ $0.90
Transfers Between Accounts (Online, Mobile, Telephone, ATM⁵)⁶ FREE
Member to Member Transfers (Online, Mobile) FREE
Pre-authorized Credit FREE
Pre-authorized Debit $0.90
FULL-SERVE
Cheque $0.90
Debit (Withdrawal, Transfer) $0.90
Deposit (In branch, Night deposit) FREE
ADDITIONAL SERVICES
Interac® ATM Withdrawal (Canada)⁷ 
 $2.00
Cirrus® ATM Withdrawal (US/International)⁷  $3.50
Interac® e-Transfer (send/Request Money¹)² 5 FREE; $1.00
Bill Payment (In branch) $1.50
eStatements FREE
Mobile Deposit FREE
Deposit Books⁸ FREE
Interest Daily⁹
1 With Interac® e-Transfer Request Money, the fee is charged to the requestor at the time the request is accepted & deposited.
2 $1.00 is charged in real-time and refunded at the end of the month up to 5 free e-Transfers or Request Money Transactions included with your account.
3 Business deposits must be made at an ACU ATM machine.
4 Includes immediate, scheduled and recurring bill payments.
5 ATM and Telephone Banking transfers are not available with the USD account.
6 Cross-currency transfers between USD and CAD accounts are only available through online or mobile banking. They are processed at the base tier rate ($0–$24,999). Tiered rates for amounts over $25,000 are available by visiting a branch or contacting the Member Communication Centre.
7 The withdrawal counts as a transaction. In addition to this fee, a transaction fee applies if the withdrawal is not covered by your account plan or you exceed the number of free transactions.
8 Generic deposit books are provided at no cost. Personalized deposit books are available for purchase.
9 Interest is calculated daily and paid monthly.
 
Rates and fees are subject to change.
 
ACCULINK® is a registered trademark of the Canadian Credit Union Association, used under licence.
Interac® is a registered trademark of Interac Corp. Used under licence.
Cirrus® is a registered trademark of Mastercard International Incorporated.

Agriculture US Chequing Account

Simplify your cross-border banking with a US business account.

Fees

Monthly Fee $0.00
Minimum Monthly Balance to Waive Monthly Fee N/A
Number of FREE Transactions Pay as you go
Number of FREE Interac® e-Transfer (send/Request Money) N/A
SELF-SERVE
Point of Sale N/A
ATM Withdrawal (ACU, Manitoba Credit Unions or ACCULINK® ATM) N/A
ATM Deposit N/A
Bill Payment (Online, Mobile, Telephone) N/A
Transfers Between Accounts (Online, Mobile, Telephone, ATM¹)²  FREE
Member to Member Transfers (Online, Mobile) N/A
Pre-authorized Credit FREE
Pre-authorized Debit $1.25
FULL-SERVE
Cheque $1.25
Debit (Withdrawal, Transfer) $1.25
Deposit (In branch, Night deposit) FREE
ADDITIONAL SERVICES
Interac® ATM Withdrawal (Canada)
 N/A
Cirrus® ATM Withdrawal (US/International) N/A
Interac® e-Transfer (send/Request Money) N/A
Bill Payment (In branch) N/A
eStatements FREE
Mobile Deposit N/A
Deposit Books³ FREE
Interest N/A
1  ATM and Telephone Banking transfers are not available with the USD account. 
2  Cross-currency transfers between USD and CAD accounts are only available through online or mobile banking. They are processed at the base tier rate ($0–$24,999). Tiered rates for amounts over $25,000 are available by visiting a branch or contacting the Member Communication Centre. 
3 Generic deposit books are provided at no cost. Personalized deposit books are available for purchase.
 
Rates and fees are subject to change.
 
ACCULINK® is a registered trademark of the Canadian Credit Union Association, used under licence.
Interac® is a registered trademark of Interac Corp. Used under licence.
Cirrus® is a registered trademark of Mastercard International Incorporated.
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