Personal Edge
Savings Account
Our Personal Edge Savings Account is a good way to give your savings a boost. With interest based on your lowest monthly balance — the more you have in this account, the more you’ll earn! Plus, it gives you free access to digital banking, eStatements, alerts and more.

Key Features

 

  • Account Fees: No monthly fee. You get 5 transactions for free, with any extra debits at $2.50 each.
  • Earn Interest: Earn interest on your lowest monthly balance. View interest rate
  • 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 eTransfer®: Sending an Interac e-Transfer costs $1.50 each, plus $2.50 over your 5 free transactions.
  • Deposit Guarantee: The deposits of Encompass Credit Union members are 100% guaranteed by the Credit Union Deposit Guarantee Corporation and the Province of Alberta.

Account Details

  • Account Fee: No charge
  • Minimum Monthly Balance: N/A
  • # of Free Debits / Month: 5
  • Per Item Debit Fee: $2.50 after the first 5 free transactions
  • Interest Calculated: Monthly on lowest monthly balance, paid monthly at month end
  • Paper Statement: $2.00 / month
  • In-Branch Deposits: Unlimited; No charge
  • Deposit (any Canadian credit union): Unlimited; no charge
  • Inquiry (any Canadian credit union): Unlimited; no charge
  • Bill Payments (any Canadian credit union): $1.50 / bill; plus $2.50 (if over 5 free debits)
  • Transfer (any Canadian credit union): $2.50 (if over 5 free debits)
  • Withdrawal (any Canadian credit union): $2.50 (if over 5 free debits)
  • Withdrawal (other Canadian financial institution): $1.50; plus $2.50 (if over 5 free debits)
  • Withdrawal (international): $3.00, plus $2.50 (if over 5 free debits)
  • AFT (Automated Funds Transfer): $2.50 (if over 5 free debits)
  • Direct Payment / Point of Sale Purchase: $2.50 (if over 5 free debits)
  • In-Branch Cash Withdrawal or Account Transfer: $2.50 (if over 5 free debits)
  • In-Branch Bill Payment: $1.50/bill, plus $2.50 if over 5 free debits
  • Online Bill Payments: $2.50 (if over 5 free debits)
  • Inquiries: Unlimited; No charge
  • Loan Payments: $2.50 (if over 5 free debits)
  • Transfers (Immediate, Scheduled, Recurring): $2.50 (if over 5 free debits)
  • Receive Interac e-Transfer®: Unlimited; No charge
  • Send Interac e-Transfer®: $1.50/transfer; plus $2.50 (if over 5 free debits)
  • View Images of Cleared Cheques: Unlimited; No charge
  • eStatements: Unlimited; No charge
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