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Student Services

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Banking Built for Students


Big goals. Busy schedules. Smarter banking.

Post-secondary life comes with enough to juggle—classes, work, rent, and everything in between. Access Credit Union offers student-focused banking products and services designed to make managing your money simple, affordable, and stress-free—so you can focus on what matters most.

Talk to an Advisor

Why Students Choose Access Credit Union


  • Designed for full-time post-secondary students of any age
  • Flexible banking while you're in school
  • Easy access to your money with online, mobile, and ATM banking
  • Local advice from people who understand student life in Manitoba

Access is here to support you at every stage of your education, whether you're just getting started or working toward your next big milestone. Explore our student options below to figure out which products may be best for you on your journey.

Student Account Options


Everyday banking that fits student life
Access Credit Union's Student Chequing account gives you the essentials you need, without unnecessary fees.

Key features include:
  • Available to any full-time post-secondary student (no age limit)
  • Unlimited access to debit purchases and ATM withdrawals
  • Interac e-Transfer®, Autodeposit®, and Request Money®
  • Online banking and the Access CU mobile app
  • Member support through branches and our Member Solutions Centre
  • No monthly fee

It's a simple, easy way to manage day-to-day spending while you're in school.
Flexible borrowing for tuition, books, and living costs
A Student Line of Credit helps bridge the gap between savings, scholarships, and government funding, so you have support when you need it. 

What makes it student-friendly:
  • Pay interest only while you're in school (and for a period after graduation) at the prime rate
  • Lower cost of borrowing than traditional loans
  • Access funds as needed - only pay interest on what you use
  • Repayment flexibility once you're finished school

Whether you're in your first year or pursuing advanced studies, Access can tailor a solution to your educational journey. 
Save while you study and build good habits now
Students can grow their savings with a Daily, Premium, or Platinum Savings account from Access Credit Union, earning competitive interest rates based on balance and overall need. Paired with digital banking tools, it's easy to set goals and track progress as you go.

  • Transfer money online between Chequing and Savings accounts anytime
  • View balances and transactions 24/7
  • Set up alerts to stay on top of your finances

Banking That Moves With You

With Access CU Online and the mobile app, you can:

  • Check balances and transaction history
  • Pay bills and transfer funds
  • Deposit cheques using your phone
  • Send and receive Interac e-Transfers®
  • Set up alerts to monitor spending and balances

No matter where school takes you, your banking stays close by.

More Than a Bank

Local. Cooperative. Member-owned. 

As Manitoba's largest credit union, Access puts members first. Profits are reinvested into better services, competitive rates, and the communities students call home - not shareholders.

When you bank with Access, you're not just opening an account. You're becoming part of a cooperative that supports your future.

Ready to get started?

Opening a student account is straightforward—and help is always available if you need it.
Talk to an Advisor

FAQs: Student Banking & Products

Any full-time post-secondary student enrolled in an accredited institution can open a Student Chequing Account with Access Credit Union. There is no age limit, making it a great option for mature, returning, or graduate students as well as recent high school graduates.

Proof of enrolment required.

Access Credit Union’s Student Chequing Account is designed to be low-cost and student-friendly. It includes everyday banking features students need—without unnecessary monthly fees—making it easier to manage money while studying.

A Student Chequing Account allows students to:

  • Pay for everyday purchases with a debit card
  • Send and receive Interac® e‑Transfers®
  • Pay bills and manage rent or tuition payments
  • Access online and mobile banking 24/7
  • Use ATMs across Manitoba and beyond

It’s built to support real student life—not just basic banking.

Parents should be involved in the conversation, as all students need guarantors. Access Credit Union staff are happy to walk through options, explain features, and ensure students and parents feel confident about the right setup.

A student line of credit is a flexible borrowing option that helps cover education‑related costs such as:

  • Tuition
  • Textbooks and supplies
  • Rent and living expenses

You only borrow what you need, when you need it.

While studying, students pay only the interest on the amount they’ve borrowed at prime rate. Full repayment usually begins after graduation, giving students time to focus on their education before transitioning to repayment.

In many cases, yes. A co‑signer can help students qualify and may improve borrowing terms. Access Credit Union reviews each situation individually and works with families to find the best solution.

Yes. Access Credit Union offers full online and mobile banking, allowing students to:

  • Check balances anytime
  • Transfer money between accounts
  • Pay bills
  • Deposit cheques using their phone
  • Send and receive e‑Transfers®

This makes banking easy—whether students are on campus, at home, or studying away from Manitoba.

Yes. Access Credit Union uses industry‑standard security features to protect members’ accounts. Students can also set up alerts to stay informed about account activity, adding another layer of confidence and control.

Absolutely. Students can use ATMs, digital banking, and e‑Transfers® across Canada. No matter where school takes them, their banking stays accessible.

Students can open an account:

  • Online
  • By booking a meeting with an Access representative
  • By visiting a branch with valid ID and proof of enrollment

The process is straightforward and support is available every step of the way.

Many students open an account:

  • Before starting post‑secondary school
  • When moving away from home
  • When managing rent, tuition, or part‑time income

Opening early helps students build strong financial habits from day one.

What Parents Need to Know

Sending a student off to post‑secondary school is a big step—for them and for you. Access Credit Union offers student‑focused banking designed to help students build independence while giving parents confidence that support is close by.

As a Manitoba‑based, member‑owned credit union, Access puts people first. That means practical advice, clear options, and real human support—whether your student is opening their first account, managing a student line of credit, or learning day‑to‑day money skills.

Parents are always welcome to be part of the conversation. Check out some FAQs below.

Access Credit Union is member‑owned, not shareholder‑owned. That means:

  • Profits are reinvested into Manitoban communities
  • Decisions are made locally in Manitoba
  • Members’ needs come first—especially during life transitions like post‑secondary education

Yes. Deposits held at Manitoba credit unions are protected by the Deposit Guarantee Corporation of Manitoba, providing peace of mind for students and parents alike.

Definitely. Support is available through:

  • Local branches
  • The Member Solutions Centre (available via phone, email or chat, and open Mon to Fri 8:30 - 6:00, Saturdays 8:30 - 4:00)
  • Online and mobile tools

Students don’t have to figure things out alone—help is always available.

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