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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
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 $2500 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.
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
Student Chequing
The benefits of a chequing account, for students of any age.
- Available to any full-time student enrolled in a post-secondary educational institution* - no age limit!
- Reduced interest rates on lines of credit while still in school
- No monthly fee
Gold
Great perks for members 59+
- Exclusively for members aged 59 years of age and over
- 30 free withdrawals per month
- 10 free e-Transfers® per month
- Includes 24 free cheques per membership per calendar year
USD Chequing
Easy access to US funds for over-the-border shoppers and vacationers.
- No monthly fee
- Easy access to US funds
New to Canada
Fee-free banking for newcomers to Canada.
*Contact us for eligibility requirements
- No monthly fee for 12 months
- No transaction fees for 12 months