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Chequing account fees
Chequing account 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 |
*Monthly package fee and select fees waived with minimum monthly balance.
**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.
Chequing account 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.
Chequing account 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® - 25 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.
**$1.00 is charged at the end of the month for each e-Transfer that exceeds the 25 free.
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.
Chequing account 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® - 25 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.
**$1.00 is charged at the end of the month for each e-Transfer that exceeds the 25 free.
Note: Fees are subject to change without notice at any time.
Chequing account fees
| ACU Student Digital plan service charges (free monthly 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® - 25 free per month** | $1.00 |
| Bill payment (in-branch) | $1.50 |
| Mobile deposit | Free |
¹A full-time post-secondary student will be defined as someone taking 18 credit hours or three full courses per semester. To take advantage of the Student Digital chequing account benefits, you will need to provide proof that you are enrolled full-time at a secondary or post-secondary institution each academic year prior to November 30th. If we do not receive confirmation, the account will be converted to the ACU Digital chequing account in the month of December.
*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.
**$1.00 is charged at the end of the month for each e-Transfer that exceeds the 25 free.
Note: Fees are subject to change without notice at any time.
Chequing account fees
|
Digital plan service charges (free monthly 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® - 25 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.
**$1.00 is charged at the end of the month for each e-Transfer that exceeds the 25 free.
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.
Chequing account fees
| U.S. chequing service charges (free monthly package fee) | |
| Electronic transaction requests: | |
| 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 |
*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.
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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