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Chequing Accounts

Everyday banking made easy. That's money doing more™

Manage your day-to-day transactions and purchases with an ACU chequing account.
  • Pay bills, send money, access funds and pay for purchases
  • Open a chequing account easily and quickly online
  • Get access through online and mobile banking, plus ATM networks across Canada
  • Use your Apple®, Google or Samsung® smartphone to pay on the go
  • Set up direct deposits to get your payroll or other deposits directly into your chequing account
ACU Light
Just the essentials, for just $3 a month. Pay only for the services you need, and waive most fees with a minimum monthly balance. 

  • $3 monthly fee
  • Monthly fee and select transaction fees* waived with a minimum $1,000 monthly balance
  • Overdraft protection and line of credit available upon qualification
  • Free deposits
ACU Active
Low fees and numerous free transactions make this the perfect chequing account for everyday use.

  • $7 monthly fee (just $4 if you’re 18-24)
  • Monthly fee waived with a minimum monthly balance of $1,000
  • Monthly fee waived if you’re over 60
  • 35 free electronic transactions per month
  • 5 free in-branch transactions
  • Overdraft protection and line of credit available upon qualification
  • Free deposits

ACU Digital

If you prefer to bank online or through our mobile app, enjoy unlimited digital transactions for just $10 a month.

• $10 monthly fee ($7 if you’re 18-24, or $3 if you’re over 60)
• Monthly fee is waived with a minimum monthly balance of $3,500
• Monthly fee waived if you’re under 18
• Free electronic transactions
• 25 free Interac e-Transfers® per month
• Overdraft protection and line of credit available upon qualification
• Free deposits

ACU Unlimited
Perfect for you if you bank a lot - this chequing account offers unlimited transactions for a flat fee.

• $16.50 monthly fee (just $13.50 if you’re 18-24, or $9.50 if you’re over 60)
• Monthly fee waived with a minimum monthly balance of $5,000
• Unlimited transactions
• 4 free ATM withdrawals (Interac)
• 25 free Interac e-Transfers® per month
• Free cheque orders, free Canadian and U.S. bank drafts
• Free small safety deposit box
• Earn daily interest on your closing balance
• Overdraft protection and line of credit available upon qualification
• Free deposits
ACU Student Digital
This no monthly fee chequing account is tailored to the needs of full-time secondary and post-secondary¹ students.

  • No monthly fee
  • Free electronic transactions
  • 25 free Interac e-Transfers® per month
  • Free deposits
  • Student line of credit available upon qualification
ACU Youth
If you’re 17 years old or under, receive a $10 discount on the ACU Digital account to help you start managing your day-to-day finances.

• No monthly fee
• Free electronic transactions
• 25 free Interac e-Transfers® per month
• Free deposits

USD chequing
For those who often shop in U.S. dollars, or need access to U.S. currency, this no monthly fee and no minimum balance USD chequing account is for you.

  • No monthly fee
  • 2 free electronic and/or in-branch transactions
  • Free deposits
  • Free USD/CAD intra-account transfers using online or mobile banking.
  • Earn daily interest on your closing balance

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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