Chequing account · Coastal Community Credit Union
Chequing Plus: fees and true cost
Coastal Community Credit Union’s Chequing Plus charges $3.95/mo, or $0 with a $1,000 minimum balance, with none included (each one is charged) transactions. For our “Everyday” example that comes to $449 a year, #52 of 70 chequing accounts offered in British Columbia.
Provincial insurerOffered in BC
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 | $251 | Monthly fee $3.95; extra transactions $17.00/mo | 60 of 70 |
| Everyday Household account, a few e-Transfers | $449 | Fee waived by the balance; extra transactions $36.55/mo | 52 of 70 |
| Heavy Lots of card, bill and e-Transfer payments | $826 | Fee waived by the balance; extra transactions $67.15/mo | 45 of 70 |
| Branch and cheques Teller visits, cheques, paper statement | n/a | Can’t do: paper statements | — |
Try your own numbers in the true-cost finder. Is keeping $1,000 in the account worth it? Run it in the account-fee calculator.
Every fee FCAC lists for this account
| Item | Fee |
|---|---|
| Monthly fee | $3.95/mo, or $0 with a $1,000 minimum balance |
| Included transactions | None included (each one is charged) |
| Debit purchase in Canada (beyond included) | $0.85 |
| Online or mobile bill payment | $0.85 |
| Interac e-Transfer | $0.85 |
| Online transfer between your accounts | $0.85 |
| Own-bank ATM withdrawal | $0.85 |
| Withdrawal at another institution’s ATM | $0.85 |
| ATM withdrawal in the United States | $0.85 |
| ATM withdrawal in other countries | $0.85 |
| Debit purchase in the United States | $0.85 |
| In-branch withdrawal | $0.95 |
| Bill payment in branch | $1.30 |
| Cheque (as a payment) | $0.85 |
| Mailed monthly statement | Not available |
| Non-sufficient funds (NSF) | $10.00 |
| Overdraft protection, monthly | No extra fee |
| Overdraft protection, per use | $5.00 |
| Overdraft interest | Not stated |
Notes from the institution
Keep a minimum monthly balance (MMB) of $1,000 for unlimited full-service transactions at no monthly fee. 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. Please verify current account details directly with the financial institution.
Is the money protected?
CUDIC (BC 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 Coastal Community Credit Union
- Access Chequing — $7.95/mo, no balance waiver
- Access Plus Chequing — $11.95/mo, no balance waiver
- Access Unlimited Chequing — $14.95/mo, no balance waiver
- Express Chequing — $5.95/mo, no balance waiver
- Express Unlimited Chequing — $9.95/mo, no balance waiver
- Golden Chequing — No monthly fee
- Golden Unlimited Chequing — $6.00/mo, no balance waiver
- Pay as you go chequing — No monthly fee
- Student Chequing — No monthly fee
- Youth chequing — No monthly fee
Source: FCAC Account Comparison Tool (data submitted by the institution), retrieved November 1, 2026 · Coastal Community Credit Union’s product page
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