Community Builder Account

Our Community Builder Account offers all the benefits of a business account with no monthly fees for non-profit organizations.

Encompass Credit Union is a proud supporter of local non-profits and organizations that work hard to strengthen our local communities. To keep their costs low, we offer our Community Builder Account. It comes with all the bells and whistles of a business account with NO MONTHLY FEES.

Key Features

 

  • Account Fees: This account has no monthly fee and includes 20 free transactions. After that, each additional transaction is $1. 
  • eStatements: Electronic statements are free and accessible through digital banking. If you prefer paper statements, it costs $2 per month.
  • 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 are free to receive and cost $1.50 to send, plus $1 over your 20 free transactions.
  • Deposit Guarantee: The deposits of Encompass Credit Union members are 100% guaranteed by the Credit Union Deposit Guarantee Corporationand the Province of Alberta.


 


Non-profit organizations typically include service clubs, fundraisers, churches, community and school clubs, societies, lodges and non-profit associations, such as minor sports and theatre groups.

Account Details

  • Account Fee: No charge
  • Minimum Monthly Balance: N/A
  • # of Free Debits / Month: 20
  • Per Item Debit Fee: $1.00 (if over 20 free debits)
  • Paper Statement: $2.00
  • 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): $1.00 per bill (if over 20 free debits)
  • Transfer (any credit union): $1.00 per bill (if over 20 free debits)
  • Withdrawal (any credit union): $1.00 per bill (if over 20 free debits)
  • Withdrawal (other financial institution)*: $1.50 per bill (if over 20 free debits)
  • Withdrawal (international): $3.00; plus $1.00 per bill (if over 20 free debits)
  • AFT (Automated Funds Transfer): $1.00 (if over 20 free debits)
  • Cheque: $1.00 (if over 20 free debits)
  • Direct Payment / Point of Sale Purchase: $1.00 (if over 20 free debits)
  • In-Branch Cash Withdrawal or Transfer: $1.00 (if over 20 free debits)
  • In-Branch Bill Payment: $1.00 (if over 20 free debits)
  • Online Bill Payments: $1.00 (if over 20 free debits)
  • Inquiries: Unlimited; No charge
  • Loan Payments: $1.00 (if over 20 free debits)
  • Transfers (Immediate, Scheduled, Recurring): $1.00 (if over 20 free debits)
  • Receive Interac e-Transfer®: Unlimited; No charge
  • Send Interac e-Transfer®: $1.50/transfer; plus $1.00 (if over 20 free debits)
  • View Images of Cleared Cheques: Unlimited; No charge
  • eStatements: Unlimited; No charge
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