Agriculture Essential
Operating Account
Take advantage of this low-fee agriculture account with a pay-as-you-go approach that enables you to only pay for the transactions you make.

Whether you grow crops or raise livestock, every dollar makes a difference in the business of farming. That’s where our Agriculture Essential Operating Account comes in. It’s an affordable, low-fee account with a pay-as-you-go approach, meaning you to only pay for the transactions you make.

Key Features


  • Account Fees: The monthly account fee is $6 and you to only pay for what you use with $1.25 per specified debit transaction.
  • eStatements: Electronic statements are free and accessible through digital banking. If you prefer paper statements, there’s no additional charge.
  • Free Deposits: It’s always free to deposit money using our mobile app, ATMs, Interac e-Transfer® or in-branch. 
  • Interac e-Transfer: Interac e-Transfers cost $1.50 each, plus $1.25.
  • Deposit Guarantee: The deposits of Encompass Credit Union members are 100% guaranteed by the Credit Union Deposit Guarantee Corporationand the Province of Alberta.

Account Details

  • Account Fee: $6.00/month
  • Minimum Monthly Balance: N/A
  • # of Free Debits per Month: 0
  • Per Item Debit Fee: $1.25
  • Paper Statements: No charge
  • In-Branch Deposits: Unlimited; no charge
  • Deposit (Any Credit Union): Unlimited; No Charge
  • Inquiry (Any Credit Union): Unlimited; No Charge
  • Bill Payments (Any Credit Union): $1.50/bill; plus $1.25
  • Transfer (Any Credit Union): $1.25
  • Withdrawal (Any Credit Union)*: $1.25
  • Withdrawal (other Financial Institution)*: $1.50; plus $1.25
  • Withdrawal (International)*: $3.00; plus $1.25
  • AFT (Automated Funds Transfer): $1.25
  • Cheque: $1.25
  • Direct Payment / Point of Sale Purchase: $1.25
  • In-Branch Cash Withdrawal or Transfer: $1.25
  • In-Branch Bill Payment: $1.50/bill; plus $1.25
  • Online Bill Payments: $1.25
  • Inquiries: Unlimited; No Charge
  • Loan Payments: $1.25
  • Transfers (Immediate, Scheduled, Recurring): $1.25
  • Receive Interac e-Transfer®: Unlimited; No Charge
  • Send Interac e-Transfer®: $1.50/transfer; plus $1.25
  • View Images of Cleared Cheques: Unlimited; No Charge
  • eStatements: Unlimited; No Charge
This website uses cookies to improve your user experience. By continuing to browse the site you are agreeing to our use of cookies.