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Your money, your way

ACU chequing accounts give you the freedom to manage your money with ease. Choose the plan that fits your lifestyle — with digital tools, real-person support, and no hidden fees. It's everyday banking that works for you.

Manage day-to-day finances your way with an ACU chequing account.

Whether you’re looking for unlimited banking, a digital‑first option, or an account built for students, youth, or young adults, an ACU chequing account makes banking simple.

Pay bills, make purchases, set up direct deposits, and manage your money right from your mobile device.

All ACU chequing accounts offer:

  • Flexibility: Choose from a range of chequing plans, from pay-as-you-go to unlimited transactions—so you only pay for what you need.
  • Accessibility: Manage your money anytime, anywhere with ACU’s mobile app, online banking, and thousands of ding free® ATMs across Canada.
  • Security: Your account is protected with industry-standard encryption, secure login options, and customizable alerts that help you stay on top of your banking activity.
  • 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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ACU chequing accounts

ACU Light

No monthly fee—just pay for the transactions you use, making it a flexible, friendly way to bank.

$0.00 Monthly Fee

Features

  • Pay as you go
  • Free self-serve transfers between accounts
  • Free self-serve member to member transfers

Choose ACU Light if you bank occasionally and prefer to pay only for what you use.

More details

Open account online

ACU Essentials

Essential banking features at a low monthly cost—an easy, affordable way to manage your money.

$4.00 Monthly Fee

Features

  • 16 free transactions per month. This includes self‑serve and full‑serve transactions.
  • 2 free Interac® e-Transfers per month
  • Free self-serve transfers between accounts
  • Free self-serve member to member transfers

Choose ACU Essentials if you make low volume monthly transactions and want simple, essential banking at a low cost.

More details

Open account online 

ACU Active

Moderate number of free transactions—an ideal balance for everyday banking needs.

$9.00 Monthly Fee

Monthly fee waived with a minimum monthly balance of $2,500

  • Members 60+ pay no monthly fee ($9 age discount)

Features

  • 40 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

Choose ACU Active if you make a moderate number of transactions and want the flexibility of both self serve and full serve banking.

More details

Open account online

ACU Digital

Bank online, through our mobile app, or with your debit card, and enjoy unlimited self-serve transactions for an affordable monthly fee.

$11.00 Monthly Fee

Monthly fee waived with a minimum monthly balance of $3,500

  • Members 60+ pay $2.00 ($9 age discount)

  • Members 24 and under pay no monthly fee ($11 age discount)

  • If you are 25 or older and enrolled as a full‑time student at a post‑secondary school, you may qualify for a free ACU Digital account.

Features

  • Unlimited free self-serve transactions
  • 30 free Interac® e-Transfers per month

Choose ACU Digital if you prefer to manage all your banking online, through our mobile app, or with your debit card.

More details

Open account online 

ACU Unlimited

Perfect for you if you bank a lot—this account offers unlimited transactions for a flat fee.

$17.00 Monthly Fee

Monthly fee waived with a minimum monthly balance of $5,000

  • Members who are 60+ pay $8.00 ($9 age discount)

Features

  • Unlimited free self‑serve and full‑serve transactions
  • 30 free Interac® e-Transfers per month
  • 4 free Interac® ATM withdrawals per month
  • Free cheque orders
  • Free Canadian and US bank drafts
  • Free small safety deposit box
  • Earn daily interest on your closing balance

Choose ACU Unlimited if you bank often, use many transaction types, and want unlimited transactions for one flat monthly fee.

 More details

 Open account online 

USD Chequing

This account is for U.S. dollar transactions—whether you’re saving for a trip, receiving U.S. dollar cheques, or shopping in U.S. dollars.

$0.00 Monthly Fee

Features

  • 2 free transactions per month. This includes self‑serve and full‑serve transactions.
  • Free self-serve transfers between accounts
  • Earn daily interest on your closing balance 

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

More details

To open this account, book an appointment 

 

New to ACU?

You can start your membership and open a variety of accounts online in just a few minutes.

If you're an existing ACU member, open your account through Digital Banking. 
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Is overdraft protection right for me?

Overdraft protection is a short-term safeguard in case you spend more than the balance in your chequing account, up to a pre-arranged limit. It gives you peace of mind, knowing you’re protected from costs like non-sufficient funds (NSF) fees or returned cheques.

With overdraft protection you’ll be charged a standard interest rate, but only on the funds you use. Repayment is easy—as soon as you make a deposit to your chequing account, it will be applied to the overdrawn balance.

Call or visit a branch to add overdraft protection to your chequing account today.

Account details and fees

ACU Light Chequing Account

No monthly fee—just pay for the transactions you use, making it a flexible and budget-friendly way to bank.

Fees

Monthly Fee $0.00
Minimum Monthly Balance to Waive Monthly Fee N/A
Discount: Youth & Young Adults (24 and under)
Discount: Seniors 60+
 N/A
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 $0.75
ATM Withdrawal (ACU, Manitoba Credit Unions or ACCULINK® ATM) $0.75
Bill Payment (Online, Mobile, Telephone)² $0.75
Transfers Between Accounts (Online, Mobile, Telephone, ATM³)⁴ FREE
Member to Member Transfers (Online, Mobile) FREE
Pre-authorized Debit $0.75
FULL-SERVE
Debit (Cheque, Withdrawal, Transfer) $0.75
Deposit FREE
ADDITIONAL SERVICES
Interac® ATM Withdrawal (Canada)⁵
 $2.00
Cirrus® ATM Withdrawal (US/International)⁵ $3.50
Interac® e-Transfer (send/Request Money¹) $1.00
Bill Payment (In branch) $1.50
eStatements FREE
Mobile Deposit 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 Includes immediate, scheduled and recurring bill payments.
3 ATM and Telephone Banking transfers are not available with the USD account
4 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.
5 The withdrawal counts as a transaction. In addition to this fee, a transaction fee will apply.
 
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.

ACU Essentials Chequing Account

Essential banking features at a low monthly cost—an easy, affordable way to manage your money

Fees

Monthly Fee $4.00
Minimum Monthly Balance to Waive Monthly Fee N/A
Discount: Youth & Young Adults (24 and under)
Discount: Seniors 60+		 N/A
N/A
Number of FREE Transactions 16
Number of FREE Interac® e-Transfer (send/Request Money¹)² 2
SELF-SERVE
Point of Sale $0.75
ATM Withdrawal (ACU, Manitoba Credit Unions or ACCULINK® ATM) $0.75
Bill Payment (Online, Mobile, Telephone)³ $0.75
Transfers Between Accounts (Online, Mobile, Telephone, ATM⁴)⁵ FREE
Member to Member Transfers (Online, Mobile) FREE
Pre-authorized Debit $0.75
FULL-SERVE
Debit (Cheque, Withdrawal, Transfer) $0.75
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)² 2 FREE; $1.00
Bill Payment (In branch) $1.50
eStatements FREE
Mobile Deposit 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 2 free e-Transfers or Request Money Transactions included with your account.
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 applies if the withdrawal is not covered by your account plan or you exceed the number of free transactions. 
 
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.

ACU Active Chequing Account

Moderate number of free transactions an ideal balance for everyday banking needs.

Fees 

Monthly Fee $9.00
Minimum Monthly Balance to Waive Monthly Fee $2,500
Discount: Youth & Young Adults (24 and under)
Discount: Seniors 60+		 N/A
$9.00
Number of FREE Transactions 40
Number of FREE Interac® e-Transfer (send/Request Money¹)² 5
SELF-SERVE
Point of Sale $0.75
ATM Withdrawal (ACU, Manitoba Credit Unions or ACCULINK® ATM) $0.75
Bill Payment (Online, Mobile, Telephone)³ $0.75
Transfers Between Accounts (Online, Mobile, Telephone, ATM⁴)⁵ FREE
Member to Member Transfers (Online, Mobile) FREE
Pre-authorized Debit $0.75
FULL-SERVE
Debit (Cheque, Withdrawal, Transfer) $0.75
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)² 5 FREE; $1.00
Bill Payment (In branch) $1.50
eStatements FREE
Mobile Deposit 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 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 applies if the withdrawal is not covered by your account plan or you exceed the number of free transactions. 
 
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.

ACU Digital Chequing Account

Bank online or through our mobile app and enjoy unlimited digital transactions for an affordable monthly fee.

Fees

Monthly Fee $11.00
Minimum Monthly Balance to Waive Monthly Fee $3,500
Discount: Youth & Young Adults (24 and under)
Discount: Seniors 60+		 $11.00¹
$9.00
Number of FREE Transactions Unlimited self-serve
Number of FREE Interac® e-Transfer (send/Request Money²)³ 30
SELF-SERVE
Point of Sale FREE
ATM Withdrawal (ACU, Manitoba Credit Unions or ACCULINK® ATM) FREE
Bill Payment (Online, Mobile, Telephone)⁴ FREE
Transfers Between Accounts (Online, Mobile, Telephone, ATM⁵)⁶ FREE
Member to Member Transfers (Online, Mobile) FREE
Pre-authorized Debit FREE
FULL-SERVE
Debit (Cheque, Withdrawal, Transfer) $1.00
Deposit FREE
ADDITIONAL SERVICES
Interac® ATM Withdrawal (Canada)
 $2.00
Cirrus® ATM Withdrawal (US/International) $3.50
Interac® e-Transfer (send/Request Money²)³ 30 FREE; $1.00
Bill Payment (In branch) $1.50
eStatements FREE
Mobile Deposit FREE
Interest N/A
1 If you are 25 years of age or older and enrolled as a full-time student, you may qualify for a free ACU Digital account. To maintain eligibility, you must provide proof of full-time enrollment at a post-secondary institution each year.
2 With Interac® e-Transfer Request Money, the fee is charged to the requestor at the time the request is accepted and deposited.
3 $1.00 is charged in real-time and refunded at the end of the month up to 30 free e-Transfers or Request Money Transactions included with your account.
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
 
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.

ACU Unlimited Chequing Account

Perfect for you if you bank a lot—this account offers unlimited transactions for a flat fee.

Fees

Monthly Fee $17.00
Minimum Monthly Balance to Waive Monthly Fee $5,000
Discount: Youth & Young Adults (24 and under)
Discount: Seniors 60+		 N/A
$9.00
Number of FREE Transactions Unlimited
Number of FREE Interac® e-Transfer (send/Request Money¹)² 30
SELF-SERVE
Point of Sale FREE
ATM Withdrawal (ACU, Manitoba Credit Unions or ACCULINK® ATM) FREE
Bill Payment (Online, Mobile, Telephone)³ FREE
Transfers Between Accounts (Online, Mobile, Telephone, ATM⁴)⁵ FREE
Member to Member Transfers (Online, Mobile) FREE
Pre-authorized Debit FREE
FULL-SERVE
Debit (Cheque, Withdrawal, Transfer) FREE
Deposit FREE
ADDITIONAL SERVICES
Interac® ATM Withdrawal (Canada)
  4 FREE; $2.00 
Cirrus® ATM Withdrawal (US/International) $3.50
Interac® e-Transfer (send/Request Money¹)² 30 FREE; $1.00
Bill Payment (In branch) FREE
eStatements FREE
Mobile Deposit FREE
Interest⁶ Daily
Cheque Order FREE
Canadian Draft FREE
US Bank Draft FREE
Safety Deposit Box FREE small7
1 With Interac® e-Transfer Request Money, the fee is charged to the requestor at the time the request is accepted and deposited.
2 $1.00 is charged in real-time and refunded at the end of the month up to 30 free e-Transfers or Request Money Transactions included with your account.
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 Interest is calculated daily and paid monthly.
7 Subject to availability.
 
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.

ACU USD Chequing Account

This account is for U.S. dollar transactions. Manage and grow your savings in U.S. dollars.

Fees

Monthly Fee $0.00
Minimum Monthly Balance to Waive Monthly Fee N/A
Discount: Youth & Young Adults (24 and under)
Discount: Seniors 60+		 N/A
N/A
Number of FREE Transactions 2
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
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 Debit $1.25
FULL-SERVE
Debit (Cheque, Withdrawal, Transfer) $1.25
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
Interest Daily³
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 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.
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Build credit. Earn rewards.

Get the ACU Collabria Visa® that fits your lifestyle—whether you're earning rewards, building credit or looking for a no-fee option. With cards ranging from simple to premium, ACU has the right Visa for you.

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Your questions answered:

How do I open a chequing account?

Opening an ACU chequing account is easy! If you’re already a member, sign into online banking or your ACU mobile app anytime to open your new chequing account. (You can also visit us at any ACU branch to open an account!)

If you’re not yet a member, join us digitally or visit us in-branch to create your new membership.

To open a USD Chequing account — or if you’re a student 25+ or a minor 17 or younger — please contact us to book an appointment.

 

Can I open a chequing account for my child?

Yes. The ACU Digital account is a great option to help build good banking habits early! Whether your child needs an account for their everyday banking needs — like paying for lunch or the movies — or somewhere to deposit their pay from their first job — the ACU Digital account offers unlimited self‑serve transactions and 30 free Interac e‑Transfers, with no monthly fee while they are under 25.

Youth 17 and under also benefit from our Youth High Rate Savings account, designed to help them save for a rainy day or future goals.

Youth ages 12 to 17 can be the sole owner of their ACU Youth account. Children under 12 can benefit from this account too, but a parent or legal guardian is required to be their joint account holder.

Do I need to keep a minimum balance in my chequing account?

You’re not required to keep a minimum balance in your ACU chequing account. However, with some types of ACU chequing accounts, we’ll waive the monthly fee when you keep your balance above a certain amount each month.

Do you offer a student account?

The monthly fee on the ACU Digital account is automatically waived if you are 24 or younger, whether or not you are a student.

If you are 25 or older, the monthly fee may be waived if you are enrolled full time at a post‑secondary institution (defined as 18 credit hours or three courses per semester). To qualify, you must provide proof of full‑time enrollment. Your documents must clearly display your name school's name and year. Acceptable documents include:

  • Receipt or proof of payment or tuition

  • A proof‑of‑enrollment letter from the Office of the Registrar

  • A copy of your timetable

  • A transcript

To keep the monthly fee waiver active, you must submit updated proof of full‑time enrollment every 12 months. If no proof is provided, the $11 monthly package fee will automatically be applied to your account. 

How does ACU keep my chequing account safe?

Our digital banking system has robust fraud prevention and cybersecurity features in place—including 256-bit TLS encryption on our desktop website and mobile app—so you can bank easily and securely from your phone, tablet or computer.

You can also sign into online banking or the ACU app at any time to change or update your security alerts. These are the notifications we’ll send you when certain activities or transactions occur in your account.

As an additional level of online account security, we ask that you log in to your ACU chequing or other account at least once every 120 days—via online banking or the mobile app. If you don’t, your account will be locked and you will need to contact us to have your password reset. This important security feature helps protect members who don’t use online or digital banking very often.  

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Have questions? We're here to help.

Whether you're looking for more information or need guidance on your next financial move, our team is ready to support you. Reach out and let us know how we can assist.

Contact us