Important Reminder: There is a notable increase in fraud activity throughout the province.
Please be cautious of unexpected emails from agencies or organizations asking to click links and/or update information. Learn how to identify and prevent fraud.


Interac
e-Transfer® issues
: Some members may be experiencing e-Transfers issues with Autodeposit and sending/receiving transfers.
Our digital banking vendor is investigating the root cause to resolve this matter. In the meantime, please see our e-Transfer troubleshooting for temporary solutions.

Spending


A day-to-day chequing account for every stage of life: starting out, mid-career, retirement, and everything in between.


We understand that each member has unique financial needs. That’s why we’ve developed several different accounts to suit every member from every walk of life. Low fees or no fees, plus all the features and benefits you need – we have the chequing account that’s right for you.


Every account comes with:

  • Full access to INTERAC® payment services
  • Ability to move your money quickly and conveniently with services like debit, e-Transfer®, AutoDeposit®, or Request Money®
  • Access to online banking, Access 24-7 mobile app, and our Member Solutions Centre

Pay As You Go
Best for members who conduct minimal transactions.

  • No monthly fee
  • Low per-transaction fees
  • An inexpensive option if you conduct minimal transactions per month

If you're an Access member you can open a new Pay As You Go account by logging into online banking.

Basic+
Best for members with a moderate number of transactions.

  • Ideal as a secondary operating account
  • Low monthly fee plus the basics you need in a chequing account
  • Monthly service fee waived if the $1500 daily closing balance is maintained

If you're an Access member you can open a new Basic+ account by logging into online banking.


Green
Paperless account with free online and self-serve transactions.

  • Low monthly fee
  • Truly paperless account: online transactions are completely paper free!
  • Great for everyday banking needs

If you're an Access member you can open a new Green account by logging into online banking.

Unlimited
Unlimited transactions for a low monthly fee.

  • Low monthly fee
  • Unlimited transactions
  • Great for members who use their chequing account frequently

If you're an Access member you can open a new Unlimited account by logging into online banking.

All-In-One
Combo savings/chequing account: your deposit balance grows faster with 3 interest tiers.

  • Ideal account for everyday banking
  • No monthly fee
  • Free transactions if you maintain a $2000 daily closing balance

If you're an Access member you can open a new All-in-One account by logging into online banking.

Ability Chequing
Easy, no-fee banking for members who may need a bit more financial freedom.

  • No monthly fee
  • No transaction fees
  • No age requirement
  • Can be set up with or without guardianship
Grow Chequing
Easy-to-use first chequing account for the young money-maker.

  • Designed for members aged 0 to 19
  • No monthly fee
  • 10 free e-Transfers included per month
  • 30 free withdrawals included per month

If you're an Access member you can open a new Grow Chequing account by logging into online banking.

Student Chequing
The benefits of a chequing account, plus earned interest to get the most from your money during school.

  • Available to any full-time student enrolled in a post-secondary educational institution* - no age limit!
  • All the benefits of a chequing account plus tiered savings
  • No monthly fee

If you're an Access member you can open a new Student Chequing account by logging into online banking.
Gold
Great perks for members 59+

  • Exclusively for members aged 59 years of age and over
  • No monthly fees plus no transaction fees
  • Includes one free cheque order per membership per calendar year

If you're an Access member you can open a new Gold account by logging into online banking.

USD Chequing
Easy access to US funds for over-the-border shoppers and vacationers.

  • No monthly fee
  • Easy access to US funds



Pay As You Go


Monthly Fee $0.00
Tiered Interest N/A
Interest Calculated N/A
Interest Paid N/A
Exemption Balance N/A
In-Branch Withdrawals $0.50
In-Branch Bill Payments** $1.00
Cheque Clearing $0.50
Electronic Transfers $0.50
Online Bill Payments $0.50
Telephone Bill Payments $0.50
INTERAC® e-Transfers
$1.00
MB CU ATM Access $0.50
Debit Card Purchases $0.50
**Not included in monthly package benefits. Collabria credit card payments and federal/provincial government agency payments waived.

Basic+


Monthly Fee $8.00
Tiered Interest N/A
Interest Calculated N/A
Interest Paid N/A
Exemption Balance $1,500.00
In-Branch Withdrawals $0.50
In-Branch Bill Payments** $1.00
Cheque Clearing $0.50
Electronic Transfers $0.50
Online Bill Payments $0.50
Telephone Bill Payments $0.50
INTERAC® e-Transfers
$1.00
MB CU ATM Access $0.50
Debit Card Purchases $0.50



Additional Benefits:
  • 30 free withdrawals per month (cheques, bill payments, electronic and cash withdrawals, debit card purchases, MB ATM transactions)
  • 10 free INTERAC® e-Transfers (charged in real time and refunded at end of month)
**Not included in monthly package benefits. Collabria credit card payments and federal/provincial government agency payments waived.

Green


Monthly Fee $12.00
Tiered Interest N/A
Interest Calculated N/A
Interest Paid N/A
Exemption Balance N/A
In-Branch Withdrawals $0.50
In-Branch Bill Payments** $1.00
Cheque Clearing $0.50
Electronic Transfers Free
Online Bill Payments Free
Telephone Bill Payments Free
INTERAC® e-Transfers
Free
MB CU ATM Access Free
Debit Card Purchases Free
**Not included in monthly package benefits. Collabria credit card payments and federal/provincial government agency payments waived.

Unlimited


Monthly Fee $15.00
Tiered Interest N/A
Interest Calculated N/A
Interest Paid N/A
Exemption Balance N/A
In-Branch Withdrawals Free
In-Branch Bill Payments** $1.00
Cheque Clearing Free
Electronic Transfers Free
Online Bill Payments Free
Telephone Bill Payments Free
INTERAC® e-Transfers
Free
MB CU ATM Access Free
Debit Card Purchases Free
**Not included in monthly package benefits. Collabria credit card payments and federal/provincial government agency payments waived.

All-in-One


Monthly Fee $0.00
Tiered Interest
0-$4,999
$5,000-$24,999
$25,000-$59,999
$60,000+
Interest Calculated Daily
Interest Paid Monthly
Exemption Balance $2,000.00
In-Branch Withdrawals $0.50
In-Branch Bill Payments** $1.00
Cheque Clearing $0.50
Electronic Transfers $0.50
Online Bill Payments $0.50
Telephone Bill Payments $0.50
INTERAC® e-Transfers
$1.00
MB CU ATM Access $0.50
Debit Card Purchases $0.50

**Not included in monthly package benefits. Collabria credit card payments and federal/provincial government agency payments waived.

Ability Chequing

At Access Credit Union, we support all members of all abilities. We believe that every member deserves an account and an experience that fits their needs.

This is why we are pleased to introduce our new Ability accounts, which aim to make easy, no-fee banking accessible to those members who may need a bit more financial freedom.

Talk to your local branch about setting yourself or your loved one up with an Ability account today.
Monthly Fee $0.00
Tiered Interest N/A
Interest Calculated N/A
Interest Paid N/A
Exemption Balance N/A
In-Branch Withdrawals $0.00
In-Branch Bill Payments $0.00
Cheque Clearing $0.00
Electronic Transfers $0.00
Online Bill Payments $0.00
Telephone Bill Payments $0.00
INTERAC® e-Transfers
$0.00
MB CU ATM Access $0.00
Debit Card Purchases $0.00

Grow Chequing

Monthly Fee $0.00
Eligibility 0-19***
Interest Calculated Daily
Interest Paid Monthly
In-Branch Withdrawals $0.50
In-Branch Bill Payments** $1.00
Cheque Clearing $0.50
Electronic Transfers $0.50
Online Bill Payments $0.50
INTERAC® e-Transfers
$1.00
MB CU ATM Access $0.50
Debit Card Purchases $0.50


Additional Benefits:
  • 30 free withdrawals per month (cheques, bill payments, electronic and cash withdrawals, debit card purchases, MB ATM transactions)
  • 10 free INTERAC® e-Transfers (charged in real time and refunded at end of month

**Not included in monthly package benefits. Collabria credit card payments and federal/provincial government agency payments waived.
***A parent/guardian signor may be required. See your branch for more details.

Student Chequing

Monthly Fee $0.00
Eligibility Full-time students (any age)*
Interest Calculated Daily
Interest Paid Monthly
In-Branch Withdrawals $0.50
In-Branch Bill Payments** $1.00
Cheque Clearing $0.50
Electronic Transfers $0.50
Online Bill Payments $0.50
INTERAC® e-Transfers
$1.00
MB CU ATM Access $0.50
Debit Card Purchases $0.50

Additional Benefits:
  • 30 free withdrawals per month (cheques, bill payments, electronic and cash withdrawals, debit card purchases, MB ATM transactions)
  • 10 free INTERAC® e-Transfers (charged in real time and refunded at end of month)

* A full-time student will be defined as someone taking 18 credit hours or three full courses per semester.
**Not included in monthly package benefits. Collabria credit card payments and federal/provincial government agency payments waived.


Gold

Monthly Fee $0.00
Eligibility Age 59+
Interest Calculated N/A
Interest Paid N/A
In-Branch Withdrawals Free
In-Branch Bill Payments Free
Cheque Clearing Free
Electronic Transfers Free
Online Bill Payments Free
INTERAC® e-Transfers
Free
MB CU ATM Access Free
Debit Card Purchases Free

Additional Benefit: One free cheque order per year.

USD Chequing

Monthly Fee $0.00
Tiered Interest N/A
Interest Calculated N/A
Interest Paid N/A
Exemption Balance N/A
In-Branch Withdrawals $1.00
In-Branch Bill Payments N/A
Cheque Clearing $1.00
Electronic Transfers $1.00
Online Bill Payments N/A
Telephone Bill Payments N/A
INTERAC® e-Transfers
N/A
MB CU ATM Access N/A
Debit Card Purchases N/A
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