All-In-One Chequing Accounts
Consumer, Agricultural, Commercial or Organizational

Best suited for Members who carry a considerable balance in their chequing account throughout the month and would like to make interest with little or no chequing fees associated. Commercial/Agricultural account withdrawals, by ATM or cash across the counter, can only be made on accounts requiring one signature.

Account Features – No Fee

• Deposits
  • in branch
  • ATM
• Cash Withdrawals – in branch
• Debit Transactions
• No minimum balance required
• Manitoba Credit Union ATM withdrawals
• Membership card new or renewal
• Bill Payments through:
  • CUbyPhone 1-888-748-2907
  • CU@Home
  • in branch
• Access to:
  • CU@Home
  • CUbyPhone 1-888-748-2907
• Transfers
  • P.A.T. (pre-authorized transfers)
  • Auto-Transfer to cover overdraft
  • Telephone transfer between same member’s accounts
• Commission to purchase travelers cheques
• Night Deposit locked bag
• Commissioner of Oaths
• Monthly Statements with cheque images - statements are held in branch for pick-up and mailed once 3 months are in the member file

Additional - No Fee Features – with exceptions

With a minimum balance of:

• $2500 for Personal, Student and Organizational accounts or
• $5000 for Agricultural and Commercial accounts

No service charges apply for:

• Cheque clearing fees
• POS (Point of Sale) Transactions

If the minimum balances are not satisfied for the entire month, these no-fee features will not apply. Instead regular fees will apply, with no maximum, for the entire month.

Interest

• Tiered interest as per Interest Rate sheet

Pricing

• No monthly maintenance fee

Benefits

• Saves money by offering free cheque and POS transaction fees with minimum balance
• Earns money by paying interest on a daily closing balance
• Convenience of CUbyPhone, CU@Home