Chequing account · Cambrian Credit Union
Basic Chequing (with unfee): fees and true cost
Cambrian Credit Union’s Basic Chequing (with unfee) charges no monthly fee, with branch: unlimited · self-serve: 3 transactions. For our “Everyday” example that comes to $90 a year, #13 of 52 chequing accounts offered in Manitoba.
Provincial insurerOffered in MB
Fees retrieved November 1, 2026
What it would cost you in a year
| Usage | Fees a year | Why | Rank |
|---|---|---|---|
| Light Mostly card and app, small balance | $20 | No monthly fee; extra transactions $1.70/mo | 12 of 52 |
| Everyday Household account, a few e-Transfers | $90 | No monthly fee; extra transactions $4.65/mo | 13 of 52 |
| Heavy Lots of card, bill and e-Transfer payments | $207 | No monthly fee; extra transactions $11.54/mo | 17 of 52 |
| Branch and cheques Teller visits, cheques, paper statement | $24 | No monthly fee | 2 of 41 |
Try your own numbers in the true-cost finder.
Every fee FCAC lists for this account
| Item | Fee |
|---|---|
| Monthly fee | No monthly fee |
| Included transactions | Branch: unlimited · self-serve: 3 |
| Debit purchase in Canada (beyond included) | No extra fee |
| Online or mobile bill payment | No extra fee |
| Interac e-Transfer | $1.00 |
| Online transfer between your accounts | No extra fee |
| Own-bank ATM withdrawal | No extra fee |
| Withdrawal at another institution’s ATM | $2.85 |
| ATM withdrawal in the United States | $3.50 |
| ATM withdrawal in other countries | $3.50 |
| Debit purchase in the United States | $3.50 |
| In-branch withdrawal | No extra fee |
| Bill payment in branch | No extra fee |
| Cheque (as a payment) | No extra fee |
| Mailed monthly statement | $2.00 |
| Non-sufficient funds (NSF) | $10.00 |
| Overdraft protection, monthly | No extra fee |
| Overdraft protection, per use | $5.00 |
| Overdraft interest | Not stated |
Interest
| Balance | Rate (annual) |
|---|---|
| $0 to $3,000 | 0.05% |
| $3,000 to $5,000 | 0.1% |
| $5,000 and up | 0.15% |
Notes from the institution
With the Unfee program, the monthly account fee and eligible transaction fees may be refunded if a qualifying monthly direct deposit is deposited into this account. Refunds are generally applied on the first day of each month, subject to eligibility requirements and the financial institution's terms and conditions. Interac e-Transfer: 3 free/month ATM Withdrawal at other FIs (in Canada): 2 free/month FCAC retrieved information for this account from publicly available information on the financial institution's website. Product features, fees, rates and eligibility requirements may change. Pleas
Is the money protected?
DGCM (Manitoba credit union). Credit union deposits are insured by the province, with limits that vary — see credit union insurance by province.
Cheaper for everyday use, at other institutions
- Wealthsimple Chequing (Wealthsimple) — $0 a year
- Personal Account (EQ Bank) — $0 a year
- 1Q Chequing Account (KEB Hana Bank Canada) — $0 a year
Other chequing accounts at Cambrian Credit Union
- Basic Chequing (without unfee) — $9.50/mo, no balance waiver
- Premium Chequing (with unfee) — No monthly fee
- Premium Chequing (without unfee) — $19.50/mo, no balance waiver
- Premium Savings Account (with Unfee) — No monthly fee
- Premium Savings Account (without Unfee) — No monthly fee
- Standard Chequing (with unfee) — No monthly fee
- Standard Chequing (without unfee) — No monthly fee
Source: FCAC Account Comparison Tool (data submitted by the institution), retrieved November 1, 2026 · Cambrian Credit Union’s product page
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