Your money, your way

Fees

Fees

Fees 

Interest rates

Fees

*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.

Fees

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.

Interest rates

Fees

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 Student Digital, Youth or USD Chequing account, please contact us to book an appointment.

The ACU Youth 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 Youth account offers all the features of our ACU Digital account, with no monthly fee while they are under 18.

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.

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 and select transaction fees when you keep your balance above a certain amount each month.

You must be a full-time student enrolled in either secondary or post-secondary school. For post-secondary, this means you’re taking 18 credit hours or three courses per semester.

You’ll need to provide proof of enrollment such as an invoice or receipt of payment or deposit for tuition, a proof of enrollment letter from the Office of the Registrar,  a copy of your timetable or a transcript. 

High school students need to provide their school ID card, clearly displaying their name, school name and year.

To take advantage of Student Digital benefits once you have your chequing account, you will need to provide proof of full-time enrolment before November 30 each academic year. If no proof is provided, we will automatically convert the account to an ACU Digital account in December.

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.