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Chequing Accounts

Make day-to-day banking a breeze

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Choose your chequing account

 

Unlimited Account

$19 monthly fee

Premium flat-fee unlimited account. Best if you have over $5,000 in monthly balance or $10 waived if you're over the age of 59.

Key benefits
  • Monthly fee waived with $5,000 minimum balance
  • Unlimited everyday banking payments and transactions
  • Unlimited Atlantic Credit Union ATM transactions
  • Unlimited Interac e-transfers

Plus Account

$15 monthly fee

Flat-fee account. Best if you keep a minimum monthly balance of $3,000+ or complete 20-45 transactions per month.

Key benefits
  • Up to 45 everyday banking payments and transactions
  • 2 free InteracĀ® ATM Transactions
  • Waived with $3,000 minimum monthly balance 

Standard Account

$10 monthly fee

Everyday standard banking account or free over 59. Best if you have basic banking needs and less than 20 transations per month. 

Key benefits
  • Up to 20 everyday banking payments and transactions
  • Includes two InteracĀ® ATM Transactions 
  • Free if you are over the age of 59

Basic Account

Pay as you Go!

A pay-as-you-go account for those who spend as little time banking as humanly possible. Best if you have limited transactions.

Key benefits
  • Free deposit account
  • $1 per everyday banking transactions
  • Includes two InteracĀ® ATM transactions

Unlimited Online Account

$15 monthly fee

Flat-fee account. Best if you do your banking all online or have a monthly balance of $3,000+.

Key benefits
  • Monthly fee waived with $3,000 minimum balance
  • Unlimited everyday banking payments and transactions
  • Unlimited Interac e-transfers
 

Youth account

Free with all the Perks

Chequing account for those aged 25 and under with no monthly fee.

Key benefits
  • Unlimited transactions
  • Unlimited Atlantic Credit Union ATM transactions
  • Free unlimited Interac e-transfers
 

Unlimited Senior Account

$9 monthly fee

Premium flat-fee unlimited account. Best if you have over $5,000 in monthly balance or require extra perks.

Key benefits
  • Monthly fee waived with $5,000 minimum balance
  • Unlimited everyday banking payments and transactions
  • Unlimited Atlantic Credit Union ATM transactions
  • Unlimited Interac e-transfers

Standard Senior Account

Free

Everyday standard banking account free over 59. Best if you have basic banking needs and less than 20 transations per month. 

Key benefits
  • Up to 20 everyday banking payments and transactions
  • Includes two InteracĀ® ATM Transactions 
  • Free if you are over the age of 59

US Dollar Account

for those...

who deal regularly in U.S. currency. You no longer have to worry about exchange rates, or getting money orders, they simply write a cheque.

Key benefits
  • Saves money - eliminates administration charge for cheques issued in U.S. Funds drawn on Canadian dollar chequing account
  • Efficient - No delays 
 
 

Not sure which chequing account to choose?

We’ll be happy to help you pick the option that best suits your needs.

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Bank and pay your way

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On your mobile device

View accounts, pay bills, transfer money, deposit cheques and more using our mobile app on your smartphone or tablet.

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On your computer

Manage your money anytime from the comfort of your home with our intuitive online banking system.

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Using mobile wallet

Turn your smartphone into your wallet with Apple, Google or Samsung Pay for quick, easy, and secure payments.

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Via 3,000+ ATMs

Use our Canada-wide ATM network to access the money you need whenever you need it – surcharge-free.

 
 
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Stop. Lock. And Block

Never worry about a misplaced debit card again. With our Lock'N'Block service, you can lock or block your card anytime, anywhere using our mobile app or online banking.

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We have a card to fit your life

Find out more about our suite of personal credit cards

 
 

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*Transactions in excess of plan amount will be charged our standard pricing
†Excessive coin and cash deposits may be subject to additional charges.
††Other fees not listed may apply. Prices in effect September 1, 2023. Pricing subject to change without notice.

Accounts Fees and Pricing††

Everyday Banking transactions     $1.00 each
  • ATM transactions - Atlantic Credit Unions
  • Cheques 
  • In-branch withdrawals, deposits, and transfers
  • Inter-Credit Union Services
  • Interac® Direct Payent (includes cross-border)
  • Online bill payments and transfers
  • Over-the-counter bill payments
  • Phone bill payments
  • Pre-authorized payments
 
   

Other Fees

Assisted inter-account transfer (via email ro phone) $3.00
ATM withdrawals - Interac® (non CU ATM) $2.00
ATM withdrawals - Plus® (international) $4.00
Bill Payment Traces $15.00
Certified Cheques - Member $10.00
Certified Cheques - Non-member $25.00
Debit Mastercard Chargebacks $50.00
Dishonoured AFT $99.75
NSF Cheque or Pre-Authorized payment - held for payment $25.00
NSF Cheque or Pre-Authorized pyament - item returned $45.00