Diamond Members
Just like a diamond, our senior members are valuable. To show our appreciation, beginning on your 60th birthday month, we’ll cover your monthly account fees on all your Canadian dollar spending accounts.

Key Features


  • Account Fees: No monthly account fees on any of your CAD spending accounts
  • 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
  • Safe Deposit Box: $10 discount / year
  • 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: Unlimited; no charge
  • Per Item Debit Fee: N/A
  • 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): Unlimited; No charge
  • Transfer (any Canadian credit union): Unlimited; No charge
  • Withdrawal (any Canadian credit union): Unlimited; No charge
  • Withdrawal (other Canadian financial institution): $1.50
  • Withdrawal (international): $3.00
  • AFT (Automated Funds Transfer): Unlimited; No charge
  • Cheque: Unlimited; No charge
  • Direct Payment / Point of Sale Purchase: Unlimited; No charge
  • In-Branch Cash Withdrawal or Transfer: Unlimited; No charge
  • In-Branch Bill Payment: Unlimited; No charge
  • Online Bill Payments: Unlimited; no charge
  • Inquiries: Unlimited; No charge
  • Loan Payments: Unlimited; no charge
  • Transfers (Immediate, Scheduled, Recurring): Unlimited; no charge
  • Receive Interac e-Transfer®: Unlimited; No charge
  • Send Interac e-Transfer®: $1.50/transfer
  • View Images of Cleared Cheques: Unlimited; No charge
  • eStatements: Unlimited; No charge
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