eChoice Spending Account

If you prefer the convenience of banking online, you’ll love our eChoice Spending Account. There’s no monthly fee, unlimited Interac eTransfers and you get free access to digital banking, eStatements, alerts and more.


Key Features


  • Account Fees: There is no monthly fee! All digital transactions are unlimited.
  • 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. 
  • In-branch: Transactions in-branch, like bill payments, are $2.50.
  • Interac eTransfer®: Sending Interac e-Transfers are free.
  • 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: Free
  • Minimum Monthly Balance: N/A
  • # of Free Debits / Month: Unlimited digital; No charge
  • Per Item Debit Fee: Unlimited digital; No charge; $2.50 for Over the Counter debits
  • 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: $2.50/ cheque
  • Direct Payment / Point of Sale Purchase: Unlimited; no charge
  • In-Branch Cash Withdrawal or Transfer: $2.50
  • In-Branch Bill Payment: $2.50 / bill
  • 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®: Unlimited; no charge
  • View Images of Cleared Cheques: Unlimited; No charge
  • eStatements: Unlimited; No charge
Diamond Members
When our members turn 60, we waive the monthly fees on all their CAD spending accounts.
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