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Spending
Smart 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 CU mobile app, and our Member Solutions Centre
Personal Chequing Accounts:
Unlimited Chequing
Best suited for members who use their chequing account frequently and want predictable monthly pricing with unlimited day-to-day banking.
- Unlimited withdrawals and e-Transfers®
- Earn tiered interest on deposits
- Monthly service fee is waived when member maintains a monthly balance of $5000
- $17 monthly service fee, $8 for members 59+
If you're an Access member you can open a new Unlimited account by logging into online banking.
Digital Chequing
Best suited for members who prefer online, mobile, and self-serve banking and rarely need in-branch transactions.
- Unlimited digital transactions
- Unlimited e-Transfers®
- $10 monthly service fee, $5 for members 59+
If you're an Access member you can open a new Digital account by logging into online banking.
Everyday Chequing
Best suited for members with moderate monthly banking needs who want a balanced account with included transactions and a manageable monthly fee.
- 40 withdrawals per month
- 10 e-Transfers® per month
- Monthly service fee is waived when member maintains a monthly balance of $2,500
- $8 monthly service fee, free for members 59+
If you're an Access member you can open a new Everyday account by logging into online banking.
Pay As You Go Chequing
Best for members who conduct minimal transactions.
- No monthly fee
- $0.75 fee per withdrawal
- Two free transactions per month to facilitate use of the line of credit funds
If you're an Access member you can open a new Pay As You Go account by logging into online banking.
Grow Chequing
Best suited for members aged 0 to 19 who are learning to manage money and need a flexible, no-fee account.
- No monthly service fee
- Unlimited withdrawals and e-Transfers®
- Enhanced interest rates on the first $2,000
Student Chequing
The benefits of a chequing account, for students of any age.
- No monthly service fee
- Unlimited digital transactions
- Unlimited e-Transfers®
- No age limit for eligible students
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, must be eligible for the Disability Tax Credit
- Can be set up with or without guardianship
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Includes 24 free cheques per membership per calendar year
New Member Chequing
Fee-free banking for newcomers to Canada.
*Contact us for eligibility requirements
- No monthly fee for 12 months
- No transaction fees for 12 months
USD Chequing
Easy access to US funds for over-the-border shoppers and vacationers.
- No monthly fee
- Easy access to US funds