Chequing account · Coastal Community Credit Union
Pay as you go chequing: fees and true cost
Coastal Community Credit Union’s Pay as you go chequing charges no monthly fee, with none included (each one is charged) transactions. For our “Everyday” example that comes to $449 a year, #53 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 | $204 | No monthly fee; extra transactions $17.00/mo | 54 of 70 |
| Everyday Household account, a few e-Transfers | $449 | No monthly fee; extra transactions $36.55/mo | 53 of 70 |
| Heavy Lots of card, bill and e-Transfer payments | $826 | No monthly fee; extra transactions $67.15/mo | 46 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.
Every fee FCAC lists for this account
| Item | Fee |
|---|---|
| Monthly fee | No monthly fee |
| 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
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
- Chequing Plus — $3.95/mo, or $0 with a $1,000 minimum balance
- 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
- 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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