Chequing account · Kindred Credit Union
Unlimited Plan: fees and true cost
Kindred Credit Union’s Unlimited Plan charges $17.95/mo, or $0 with a $3,000 minimum balance, with branch: unlimited · self-serve: unlimited transactions. For our “Everyday” example that comes to $215 a year, #40 of 106 chequing accounts offered in Ontario.
Provincial insurerOffered in ON
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 | $215 | Monthly fee $17.95 | 78 of 106 |
| Everyday Household account, a few e-Transfers | $215 | Monthly fee $17.95 | 40 of 106 |
| Heavy Lots of card, bill and e-Transfer payments | $215 | Monthly fee $17.95 | 29 of 106 |
| Branch and cheques Teller visits, cheques, paper statement | $239 | Monthly fee $17.95 | 64 of 94 |
Try your own numbers in the true-cost finder. Is keeping $3,000 in the account worth it? Run it in the account-fee calculator.
Every fee FCAC lists for this account
| Item | Fee |
|---|---|
| Monthly fee | $17.95/mo, or $0 with a $3,000 minimum balance |
| Included transactions | Branch: unlimited · self-serve: unlimited |
| Debit purchase in Canada (beyond included) | No extra fee |
| Online or mobile bill payment | No extra fee |
| Interac e-Transfer | No extra fee |
| Online transfer between your accounts | No extra fee |
| Own-bank ATM withdrawal | No extra fee |
| Withdrawal at another institution’s ATM | No extra fee |
| ATM withdrawal in the United States | $5.00 |
| ATM withdrawal in other countries | $5.00 |
| Debit purchase in the United States | Not available |
| 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) | $50.00 |
| Overdraft protection, monthly | Not available |
| Overdraft protection, per use | $5.00 |
| Overdraft interest | 24% a year |
Interest
| Balance | Rate (annual) |
|---|---|
| $5,000 to $49,999 | 0.05% |
| $50,000 to $99,999 | 0.1% |
| $100,000 and up | 0.2% |
Notes from the institution
This full service plan offers unlimited access to many services on your personal chequing account
Is the money protected?
FSRA (Ontario 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 Kindred Credit Union
- Flex Plan — No monthly fee
- Generations (Seniors) — No monthly fee
- Generations (Students) — No monthly fee
- Generations (Youth) — No monthly fee
- Value Plan — $11.45/mo, or $0 with a $3,000 minimum balance
Source: FCAC Account Comparison Tool (data submitted by the institution), retrieved November 1, 2026 · Kindred Credit Union’s product page
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