Chequing account · Cambrian Credit Union
Basic Chequing (without unfee): fees and true cost
Cambrian Credit Union’s Basic Chequing (without unfee) charges $9.50/mo, no balance waiver, with branch: 2 · self-serve: 2 transactions. For our “Everyday” example that comes to $536 a year, #49 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 | $282 | Monthly fee $9.50; extra transactions $14.04/mo | 44 of 52 |
| Everyday Household account, a few e-Transfers | $536 | Monthly fee $9.50; extra transactions $32.32/mo | 49 of 52 |
| Heavy Lots of card, bill and e-Transfer payments | $929 | Monthly fee $9.50; extra transactions $62.23/mo | 44 of 52 |
| Branch and cheques Teller visits, cheques, paper statement | $333 | Monthly fee $9.50; extra transactions $16.24/mo | 34 of 41 |
Try your own numbers in the true-cost finder.
Every fee FCAC lists for this account
| Item | Fee |
|---|---|
| Monthly fee | $9.50/mo, no balance waiver |
| Included transactions | Branch: 2 · self-serve: 2 |
| Debit purchase in Canada (beyond included) | $0.85 |
| Online or mobile bill payment | $0.85 |
| Interac e-Transfer | $1.00 |
| Online transfer between your accounts | No extra fee |
| Own-bank ATM withdrawal | $0.85 |
| 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 | $0.85 |
| Bill payment in branch | $2.00 |
| Cheque (as a payment) | $0.85 |
| Mailed monthly statement | $2.00 |
| Non-sufficient funds (NSF) | $10.00 |
| Overdraft protection, monthly | $3.00 |
| 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
Digital Transactions (Online Banking or Mobile App) Online bill payment: 6 free/month Member to member transfer: 3 free/month Interac e-Transfer: 3 free/month ATM/Debit Transactions Preauthorized debit: 2 free/month Interac Direct Debit: 30 free/month Credit Union ATM Withdrawal (in Canada): 30 free/month ATM Withdrawal at other FIs (in Canada): 2 free/month Cirrus ATM Withdrawal (outside Canada): $3.50 each In-Branch Transactions In-branch withdrawal: 2 free/month In-branch bill payment: $2.00 each Cheque Transactions: Cheque: 2 free/month FCAC retrieved information for this account from publ
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 (with unfee) — No monthly fee
- 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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