Personal Elite
Spending Account

If you make a high number of transactions each month, our Personal Elite Spending Account is for you! It comes with unlimited transactions, two free Interac eTransfers and we’ll waive the account fee if you carry a balance over $5,000. Plus, you’ll enjoy free access to digital banking, eStatements, alerts and more.

Key Features


  • Account Fees: The account fee is $18, which gives you unlimited transactions. If you carry a $5,000 balance, we’ll waive the monthly fee! 
  • 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®: You get two free Interac e-Transfers and its $1.50 for each additional transfer.
  • 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: $18.00 / month
  • Minimum Monthly Balance*: $5,000
  • # of Free Debits / Month: Unlimited
  • 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)*: $1.00
  • 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®: 2 free, then $1.50/transfer after
  • View Images of Cleared Cheques: Unlimited; No charge
  • eStatements: Unlimited; No charge

* If your account balance remains at or above the minimum listed, you will not be charged the monthly fee that month.

Diamond Members
When our members turn 60, we waive the monthly fees on all their CAD spending accounts.
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