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Student Accounts

Top of the class savings with ACU's student-focused accounts.

ACU's student accounts check off all the features you need and want in order to manage your money.

  • No minimum balance
  • Apple®​, Google® and Samsung® pay
  • Unlimited digital intra-account transfers
  • Mobile Deposit

Student Digital Chequing

This no monthly fee account is tailored to the needs of full-time secondary and post-secondary¹ students.


  • No monthly fee
  • Free electronic transactions
  • 25 free Interact-Transfers® per month*
  • Free deposits
  • Student line of credit available upon qualification

To open your account, book an appointment and become a member today!

Book your appointment

High Rate Savings

Who doesn't like to earn a high interest rate on their savings? Our High Rate Savings account gives you all the flexibility of a basic savings account and a higher interest rate.


  • No monthly fee
  • Earn daily interest on your closing balance
  • Free deposits

To open your account, book an appointment and become a member today!

Book your appointment

Grade A values

As an ACU member-owner, you’re putting a priority on community values. As a certified B Corp, we believe in ethical business, advocating for diversity, inclusion and reconciliation, and helping new Canadians, the underserved, non-profits, and entrepreneurs.


For all new ACU members in 2022, we are supporting Trees Winnipeg to help grow our urban canopy.

Not an ACU member yet?

Money doing more isn’t just a slogan at ACU. It guides us in how we do business. It conveys our ongoing commitment to economic, social, and environmental health. It's our promise to members and a commitment to the communities in which we live and work.

ACU is guided by the principles of "values-based banking," meaning that the credit union remains financially strong while being socially, environmentally and ethically responsible. We believe that money should be used for good, to bring financial comfort, to help people's lives, and to improve the environment.

Each of our members is also an owner of ACU. Members helped shape the credit union into a financial co-operative dedicated to the triple bottom line of people, planet and prosperity.

When you become a member, you’re not just joining ACU, you're joining a movement! ACU is the only Manitoba financial institution to be a B CorpTM. You are supporting a local co-operative that has joined 5,000 businesses, spanning 80 worldwide, that are leading a global movement of using business as a force for good.


Join us and discover what money doing more is all about.
Together let's be the difference.


Book your account opening appointment

More details

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 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.


*$1.00 is charged at the end of the month for each e-Transfer that exceeds the 25 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.
 



High Rate Savings Account Interest rates

Interest is calculated daily on your closing balance, and paid on the last day of each month.

Balance Rate
$0 - $100,000 2.80%
$100,000 - $249,999 2.90%
$250,000 and over 3.00%

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

Fees


High Interest Rate Savings service charges (free monthly package fee)
Electronic transactions:
Withdrawal (ACU or credit union ATM) $1.00
Debit card purchase $1.00
Pre-authorized payment debit $1.00
Bill payment (online, mobile banking, telephone banking) $1.00
Intra-account CAD/CAD transfer (online, mobile, telephone banking) $1.00
Intra-account CAD/USD transfer (online, mobile banking)** $1.00
Full-service (in-branch) transactions:
Debit (withdrawal or intra-account transfer) $1.00
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.



®Collabria trademark is Collabria Financial Services’ property. The Collabria Visa Card is issued by Collabria Financial Services Inc. pursuant to a license from Visa.
™Trademark of Visa Int., used under license.
*** Within 2 months of getting your card

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