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Product and service changes

At ACU, we are committed to keeping members informed about changes that affect their accounts and services. This page is your central resource for all upcoming product and service updates, including fee adjustments, new account offerings, and account transitions.

We regularly review our products to ensure they remain competitive, affordable, and aligned with the needs of our members. Whenever updates are scheduled, they will be posted here so you can easily find the information in one place.

Overview of changes

Accounts and service fees

Please review our product and service fee brochures for the updated pricing and product changes that will come into effect on March 2, 2026.

New accounts

ACU Essentials account - offering our members essential banking features at a low monthly cost—an easy, affordable way to manage your money.
View Personal Chequing Account brochure [PDF]
Agriculture accounts, including the AgriInvest account - offering flexible options tailored to help farm businesses manage their finances and support future growth.
View Agricultural Account brochure [PDF]

Business 25, Business 125 and Business 200

These products will be discontinued.
Members with a Business 25 account will move to a Business 30 on March 2, 2026.
Members with a Business 125 account will move to a Business 150 on March 2, 2026.
Members with a Business 200 account will move to a Business 150 on March 3, 2026.
View Business Account brochure [PDF]

ACU Student Digital

This product will be discontinued.
Members with this account will move to the ACU Digital account on March 3, 2026.
The ACU Digital account is free for all members 24 or younger.
For members age 25+, the $11 monthly fee will apply unless proof of full-time enrollment at a post-secondary institution is provided annually.

Tax Free Savings

Withdrawals and transfers to another ACU account are no longer included.
Members will receive one free withdrawal or transfer to another ACU account per month.
$1.50 per additional transaction.

Line of Credit Chequing

Self-serve and full-serve transactions will be changing to $0.75/transaction.
This account will operate the same way as the ACU Light.
View Personal Chequing Account brochure [PDF]

Age discount

The $3 age discount offered to members 18-24 on the ACU Active, ACU Digital and ACU Unlimited will be discontinued.
Instead, members 24 and under will be eligible for a free ACU Digital account, regardless of student status.
Members aged 18-24 and under currently in the ACU Digital will automatically receive the new discount starting March 2, 2026.
Members aged 18–24 in other products will not be automatically moved to the ACU Digital account but can request to switch to the ACU Digital beginning March 2.
The discount for Members aged 60+ will be increased from $7 to $9 on the ACU Active, ACU Digital and ACU Unlimited accounts.

Minimum monthly balance changes (MMB)

ACU Light: This account will become a true pay-as-you-go account. There will be no MMB requirement, no monthly fee, pay per transaction.
ACU Active: The MMB to waive fees will increase from $1,000 to $2,500.
Basic Business/Agriculture: This account will become a true pay-as-you-go account. There will be no MMB requirement, no monthly fee, pay per transaction.
Business/Agriculture 150: The monthly package fee will be waived if a MMB of $75,000 is maintained.
Community Builder: This account will offer 30 free transactions. There will be no MMB requirement.

See the product brochures for full details.

e-Transfers

5 free e-Transfers per month will be added to the ACU Active account.
Select business and agriculture account packages will now include 5 free e-Transfers per month.
Free e-Transfers included with the ACU Digital and the ACU Unlimited account is increasing from 25 to 30 per month.

Business deposits

Business deposits will be free and will not count as a transaction, whether made in-branch, at ATMs, or via night deposit.

Customer Automated Funds Transfer (CAFT)

The fee structure for this service is changing, effective March 1, 2026.

View Customer Automated Funds (CAFT) brochure [PDF]

Previously discontinued products

If you currently hold one of the discontinued accounts listed below, please note that your monthly package fees and rate schedules will remain unchanged. However, we are updating the transaction fees associated with these accounts.

View updated fee structure

Product	Current fees	New fee structure
Basic Chequing	$1.50 monthly fee Monthly fee and select transaction fees waived with $1,000 minimum monthly balance Self-serve transaction: $0.50 Full-serve transaction: $0.70	$1.50 monthly fee Monthly fee and select transaction fees waived with $1,000 minimum monthly balance Refer to ACU Light account for transaction fees
Basic Savings and Basic Savings_3	No monthly fee and select transaction fees waived with $1,000 minimum monthly balance Self-serve transaction: $0.50 Full-serve transaction: $0.70	No monthly fee and select transaction fees waived with $1,000 minimum monthly balance Refer to ACU Light account for transaction fees
Business Monthly High Rate Savings	No monthly fee Pay as you go Self-serve and full-serve transaction: $1.25	No monthly fee 1 free transaction per month Refer to Business High Rate account for transaction fees
Community Builder Savings	No monthly fee 5 free transactions + 1 free per $200 minimum monthly balance Self-serve transaction: $0.50 Full-serve transaction: $0.70	No monthly fee 30 free transactions per month Refer to Community Builder Chequing account for transaction fees
High Rate Savings_2	No monthly fee Pay as you go Self-serve and full-serve transaction: $1.00	No monthly fee 1 free transaction per month Refer to High Rate account for transaction fees
USD Plan 24	No monthly fee 2 free transactions per month Self-serve and full-serve transaction: $1.00	No monthly fee 2 free transaction per month Refer to ACU USD chequing account for transaction fees

January 20, 2026 changes

Discontinuation of select Guaranteed Investment Certificate (GIC) products

Effective January 20, 2026, we will discontinue the following GIC products:

Non-redeemable GIC (monthly interest option)
Short term (CAD$) GICs
Short term (USD$) GICs
Redeemable GICs (Note: 1-year non-registered and TFSA redeemable options will remain available)

Please note: The discontinuation of these products applies to both registered and non-registered investment accounts, unless otherwise noted.

If you hold one of these products, no action is required at this time. Your existing GIC(s) will remain in place until their maturity date. At that time, you can choose from our available GIC options.

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.