Ability Chequing

Banking Built for Everyone

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 our members with disabilities who may need a bit more financial freedom.

Those who qualify for the disability tax credit/CPP disability are eligible for the Ability chequing and savings account.

Talk to your local branch about setting yourself or your loved one up with an Ability account today.

Account Feature Fee
Eligibility Must qualify for Disability Tax Credit or CPP Disability
Monthly Service Fee $0.00
Exemption Balance N/A
# of Free Withdrawals Monthly Unlimited
# of Free INTERAC® e-Transfers Unlimited
Other Features 24 free cheques per year
In-Branch Withdrawals/Transfers $0.00
In-Branch Bill Payments $0.00
Cheque Clearing $0.00
External Withdrawals $0.00
Online/Telephone Banking Transfers $0.00
Online/Telephone Banking Bill Payments $0.00
Debit Card Purchases $0.00


Account Details


  • Eligibility: Must qualify for Disability Tax Credit or CPP Disability
    • Limit 2 accounts per membership.
  • Transactions included in free monthly withdrawals:
    • Cheque clearing
    • Online bill payments
    • External withdrawals
    • Debit card purchases
    • In-branch cash withdrawals and transfers
    • Pre-authorized transactions to pay CU loans
  • Transactions not included:
    • In-branch bill payments
    • ATM withdrawals outside Canada

In-branch refers to manual withdrawals completed in-branch or by the Member Solutions Centre. Online transfers between Access accounts are free and don't count towards monthly transactions.
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