Product Changes

We've renamed our day-to-day accounts to better reflect how each account is used and the value it provides. This makes it easier for you to understand the differences between accounts and helps us have more meaningful conversations about which option fits best.

OLD ACCOUNT NAME	NEW ACCOUNT NAME
Basic+	Everyday Just what you need, at a price that works.
Green	Digital Bank digitally, simply, and affordably.
New to Canada	New Member A warm welcome to your financial future.

We're combining the benefits of our Grow accounts into a single Grow Chequing account, providing the flexibility youth need now and a smooth transition to adult banking later.

Our new two-tier interest structure lets you earn interest on every deposit, with a higher rate on the first $2,000—giving your savings an extra boost from the start.

Grow Chequing will have unlimited withdrawals. No more transactions fees and more left in the piggy bank.

Our grow accounts are strictly for members under the age of 19. If the primary owner of the account is over 19 years old, a $2 fee per transaction will take effect.

We know every member’s banking needs are different, so we wanted to give our Gold members more options to enjoy fee-free (or low-fee) banking. We’re retiring the Gold Chequing account and giving our members discounted options that best suit their needs:

For the November 1, 2026 transition, any current Gold Chequing account holders will be moved to the newly enhanced Everyday Chequing where they’ll enjoy all the benefits of Gold Chequing including a free book of 24 cheques per year, plus an additional 10 free withdrawals per month.

If Everyday Chequing isn’t the right fit for you, you have other options:

Everyday Chequing (Previously Basic+) Just what you need, at a price that works.	$0 monthly service fee (regularly $8 for members under 59)	Best suited for members with moderate monthly banking needs who want a balanced account with included transactions and a manageable monthly fee.	40 withdrawals per month 10 e-Transfers® per month No monthly fee for members 59+
Unlimited Chequing All the transactions, none of the limits.	$8 monthly service fee (regularly $17 for members under 59)	Best suited for members who use their chequing account frequently and want predictable monthly pricing with unlimited day-to-day banking.	Unlimited withdrawals and e-Transfers® Interest earned on deposits (at tiered rates) Monthly service fees are waived with a minimum balance of $5,000 or over
			Unlimited digital transactions* Unlimited e-Transfers® Low monthly service fee
Ability Chequing Banking built for everyone.	$0 monthly service fee	Best suited for eligible members who may need accessible, no-fee banking with greater financial flexibility and support. Must receive the Disability Tax Credit to be eligible.	Unlimited withdrawals and e-Transfers® No transaction fees

*Digital transactions do not include in-branch cash withdrawals and cheque clearing, members over 59 will not be charged for in-branch bill payments.

Good news! Online banking transfers between your chequing and savings accounts are now free and no longer count toward your transaction limits. This applies to all accounts.

Transactions included in monthly withdrawal allowance:

In-branch* bill payment
In-branch* cash withdrawals
In-branch* transfers
Cheque clearing
Preauthorized external withdrawals**
Online or telephone banking bill payments
Point of sale (POS) debit card purchases

*In-branch refers to a brick and mortar branch as well as the Member Solutions Centre. If a member of staff is completing the transaction, it is considered in-branch.

**For example, you’ve set up automatic withdrawals for your Manitoba Hydro bill.

Please note:

Deposits of any kind are never charged.
ATM withdrawals made at a non-credit union ATM may incur real time charges.
e-Transfers® (sent) are charged in real time and the amount allowed per month are refunded at the end of the month.

All In One Account

Effective November 1, 2026, the All In One Account will be retired, and members will move into the account best suited to their account usage and regular account balance:

If your balance is regularly:	You’ll move into:	Which includes:
Over $5000	Unlimited Chequing	The convenience and flexibility of a full-service chequing account while qualifying for a waived monthly service fee. Service fee: $17/month Members aged 59+: $8/month Fee waived with a balance of $5,000 or more Unlimited withdrawals Unlimited e-Transfers® The same interest-tier structure that you currently enjoy, ensuring your deposits continue to earn interest based on your account balance.
Between $2,500 - $5,000	Everyday Chequing	The convenience of a monthly account package with a generous number of included transactions at an affordable price. Service fee: $8/month Members aged 59+: No monthly fee Maintain a balance of $2,500 or more: No monthly fee 40 included withdrawals per month 10 included e-Transfers® per month NOTE: The Everyday Chequing Account does not pay interest on account balances. If your goal is to earn a higher return on your deposits, we encourage you to consider one of our other savings solutions, like the Premium Savings Account.
Under $2,500	Pay As You Go Chequing	A cost-effective option for members who conduct fewer monthly transactions and are looking for a simple, flexible, and cost-effective banking option. No monthly account fee Low per-transaction fees Pay only for the transactions you use

If you are over 59 and your average balance is under $5,000 you will be moved into Everyday Chequing to take advantage of fee-free banking.

Green/Digital Account

Renamed to Digital Chequing: Bank digitally, simply, and affordably.
Chequing account holders under the age of 59 will pay $10 per month. Account holders over 59 will pay $5 per month.

New to Canada Account

Renamed to New Member: A warm welcome to your financial future.
If you have a New Member account, you will be subject to a default service fee schedule after your introductory period of 365 days has elapsed*.

New Member (in first year)	Unlimited transactions Free small safe deposit box (subject to availability)
New Member (after first year)	Unlimited withdrawals and e-Transfers® Monthly service fee of $17 (can be waived with a monthly balance of $5,000) Reduced monthly fee for members 59+ ($8)

*All accounts opened prior to November 1, 2025 will be charged fees effective November 1, 2026.

Any transfer made from online banking between your chequing and savings account no longer counts as a withdrawal and no longer a chargeable withdrawal. This applies to all accounts!

Transactions included in monthly withdrawal allowance:

In-branch* bill payment
In-branch* cash withdrawals
In-branch* transfers
Cheque clearing
Preauthorized external withdrawals**
Online or telephone banking bill payments
Point of sale (POS) debit card purchases

*In-branch refers to a brick and motor branch as well as the Member Solutions Centre. If a member of staff is completing the payment, it is considered in-branch.

**For example, you’ve set up automatic withdrawals for your Manitoba Hydro bill.

What is a chargeable withdrawal?

Deposits of any kind are never charged.
ATM withdrawals made at a non-credit union ATM may incur real time charges.
e-Transfers® (sent) are charged in real time and the amount allowed per month are refunded at the end of the month.

Business Plus Account

We’re adding 15 extra e-Transfers® for a total of 25 monthly e-Transfers (currently 10)
In-branch bill payment fee will increase to $1.50

Business Non-Profit Account

We’re adding 10 free e-Transfers® per month (currently 0)
In-branch bill payment fee will increase to $1.50

Business Value Chequing Account

It's now easier to avoid your monthly service fee. The minimum balance required to waive the $20 monthly fee is being lowered to $80,000
- Withdrawals exceeding your 40 included monthly transactions will continue to incur transaction fees, even if you maintain the required exemption balance.
In-branch bill payment fee will increase to $1.50

Business Daily Savings Account

Withdrawals over your 5 free per month will incur a $1.50 fee
- Transfers between your chequing and savings accounts do not incur fees and do not count toward your 5 monthly transactions.

WE'VE MADE CHANGES WITH YOU IN MIND

Starting November 1, 2026, we're introducing enhancements to our personal and business accounts to give you more value, flexibility, and choice.

HIGHLIGHTS INCLUDE:

How did we determine these changes?

Personal Accounts: What’s Changing

Business Accounts: What's Changing

Business Plus Account

Business Non-Profit Account

Business Value Chequing Account

Business Daily Savings Account

Printed Statements: What’s Next

The following personal member types are exempt from statement fees:

The following business types are exempt from statement fees:

SWITCH TO eStatements TODAY!

QUESTIONS? We’re here to help!