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Chequing Accounts

Everyday banking made easy. That's money doing more™

Manage your day-to-day transactions and purchases with an ACU chequing account.
  • Pay bills, send money, access funds and pay for purchases
  • Open an account easily and quickly online
  • Get access through online and mobile banking, plus ATM networks across Canada
  • Use your Apple®, Google or Samsung® smartphone to pay on the go
  • Set up direct deposits to get your payroll or other deposits directly into your account
ACU Light
Just the essentials, for just $3 a month. Pay only for the services you need, and waive most fees with a minimum monthly balance. 

  • $3 monthly fee
  • Monthly fee and select transaction fees* waived with a minimum $1,000 monthly balance
  • Overdraft protection and line of credit available upon qualification
  • Free deposits
ACU Active
Low fees and numerous free transactions make this the perfect account for everyday use.

  • $7 monthly fee (just $4 if you’re 18-24)
  • Monthly fee waived with a minimum monthly balance of $1,000
  • Monthly fee waived if you’re under 18 or over 60
  • 35 free electronic transactions per month
  • 5 free in-branch transactions
  • Overdraft protection and line of credit available upon qualification
  • Free deposits

ACU Digital
If you prefer to bank online or through our mobile app, enjoy unlimited digital transactions for just $10 a month.

  • $10 monthly fee (just $7 if you’re 18-24, or $3 if you’re under 18 or over 60)
  • Monthly fee is waived with a minimum monthly balance of $3,500
  • Free electronic transactions
  • 10 free Interac e-Transfers® per month
  • Overdraft protection and line of credit available upon qualification
  • Free deposits

ACU Unlimited
Perfect for you if you bank a lot - this account offers unlimited transactions for a flat fee.

  • $16.50 monthly fee (just $13.50 if you’re 18-24, or $9.50 if you’re under 18 or over 60)
  • Monthly fee waived with a minimum monthly balance of $5,000
  • Unlimited transactions
  • 4 free ATM withdrawals (Interac)
  • 10 free Interac e-Transfers® per month
  • Free cheque orders, free Canadian and U.S. bank drafts
  • Free small safety deposit box
  • Earn daily interest on your closing balance
  • Overdraft protection and line of credit available upon qualification
  • Free deposits

USD chequing
For those who often shop in U.S. dollars, or need access to U.S. currency, this no monthly fee and no minimum balance account is for you.

  • No monthly fee
  • 2 free electronic and/or in-branch transactions
  • Free deposits
  • Free USD/CAD intra-account transfers using online or mobile banking.
  • Earn daily interest on your closing balance

Account fees

Fees


Basic chequing service charges ($3.00/month package fee)
Electronic transactions:
Withdrawal (ACU or credit union ATM)* $0.50
Debit card purchase* $0.50
Pre-authorized payment debit* $0.50
Bill payment (online, mobile, telephone banking)* $0.50
Intra-account CAD/CAD transfer (online, mobile, telephone banking) Free
Intra-account CAD/USD transfer (online or mobile banking)** Free
Full-service (in-branch) transactions:
Debit (cheque, withdrawal, intra-account transfer)* $0.70
Additional services:
ATM withdrawal (Interac) $1.50
Interac e-Transfer®  $1.00
Bill payment (in-branch) $1.50
Mobile deposit Free

*All cross currency transfers through online or mobile banking are processed at the base tier ($0 - $24,999) rate. Tiered rates for transfers greater than $25,000 are only available in-branch. Please visit the U.S. and Foreign Exchange rates page for current rates.

Note: Fees are subject to change without notice at any time.

Fees


Active plan service charges ($7.00/month package fee)
Electronic transactions:
Withdrawal (ACU or credit union ATM) $0.50
Debit card purchase $0.50
Pre-authorized payment debit $0.50
Bill payment (online, mobile, telephone banking) $0.50
Intra-account CAD/CAD transfer (online, mobile, telephone banking) Free
Intra-account CAD/USD transfer (online or mobile banking)* Free
Full-service (in-branch) transactions:
Debit (cheque, withdrawal, intra-account transfer) $0.70
Additional services:
ATM withdrawal (Interac) $1.50
Interac e-Transfer®  $1.00
Bill payment (in-branch) $1.50
Mobile deposit Free

*All cross currency transfers through online or mobile banking are processed at the base tier ($0 - $24,999) rate. Tiered rates for transfers greater than $25,000 are only available in-branch. Please visit the U.S. and Foreign Exchange rates page for current rates.

Note: Fees are subject to change without notice at any time.

Fees


Digital plan service charges ($10.00/month package fee)
Electronic transactions:
Withdrawal (ACU or credit union ATM) Free
Debit card purchase Free
Pre-authorized payment debit Free
Bill payment (online, mobile, telephone banking) Free
Intra-account CAD/CAD transfer (online, mobile, telephone banking) Free
Intra-account CAD/USD transfer (online or mobile banking)* Free
Full-service (in-branch) transactions:
Debit (cheque, withdrawal, intra-account transfer) $1.00
Additional services:
ATM withdrawal (Interac) $1.50
Interac e-Transfer® - ten free per month $1.00
Bill payment in branch $1.50
Mobile deposit Free

*All cross currency transfers through online or mobile banking are processed at the base tier ($0 - $24,999) rate. Tiered rates for transfers greater than $25,000 are only available in-branch. Please visit the U.S. and Foreign Exchange rates page for current rates.

Note: Fees are subject to change without notice at any time.

Interest rates

Interest is calculated on the daily closing balance using a tiered system, and paid on the last day of each month.

Balance Rate
on this portion ($0 - $4,999) 0.00%
on this portion ($5,000 and over) 0.05%

Note: Interest rates are subject to change without notice at any time.

Fees


Unlimited service charges ($16.50/month package fee)
Electronic transactions:
Withdrawal (ACU or credit union ATM) Free
Debit card purchase Free
Pre-authorized payment debit Free
Bill payment (online, mobile, telephone banking) Free
Intra-account CAD/CAD transfer (online, mobile, telephone banking) Free
Intra-account CAD/USD transfer (online or mobile banking)* Free
Full-service (in-branch) transactions:
Debit (cheque, withdrawal, intra-account transfer) Free
Additional services:
ATM withdrawal (Interac) – 4 free per month $1.50
Interac e-Transfer® - 10 free per month $1.00
Bill payment (in-branch) Free
Mobile deposit Free

*All cross currency transfers through online or mobile banking are processed at the base tier ($0 - $24,999) rate. Tiered rates for transfers greater than $25,000 are only available in-branch. Please visit the U.S. and Foreign Exchange rates page for current rates.

Note: Fees are subject to change without notice at any time.


Interest rates

Interest is calculated on the daily closing balance using a tiered system, and paid on the last day of each month.

Balance Rate
on this portion ($0 - $4,999) 0.00%
on this portion ($5,000 and over) 0.05%

Note: Interest rates are subject to change without notice at any time.

Fees


U.S. chequing service charges (free monthly package fee)
Electronic transactiorequestns:
Intra-account USD/CAD transfer (online or mobile banking)* Free
Pre-authorized debit $1.00
Full-service (in-branch) transactions:
Debit (cheque, withdrawal, intra-account transfer) $1.00

*Fees are subject to change without notice at any time.
*All cross currency transfers through online or mobile banking are processed at the base tier ($0 - $24,999) rate. Tiered rates for transfers greater than $25,000 are only available in-branch. Please visit the U.S. and Foreign Exchange rates page for current rates.

Need more help?

Call us at 204.958.8588 / 1.877.958.8588 or book an appointment with one of our financial advisors.

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