US Explore Spending Account
If you’re a snowbird who spends a lot of time in the US or plan to write the occasional US cheque, then our Explore US Spending Account is ideal for you. It’s a US currency account, so there’s no need to worry about the exchange rate. Plus, you get free access to digital banking, eStatements, alerts and more.
Key Features
- Account Fees: The account fee is $5 USD per month.
- eStatements: Electronic statements are free and accessible through digital banking. If you prefer paper statements, it costs $2 USD per month.
- Free Deposits: It’s always free to deposit money using our mobile app, ATMs, Interac e-Transfer® or in-branch.
- US Funds: This account is in US currency so there’s no need to worry about the exchange rate.
- 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: $5 USD / month
- Minimum Monthly Balance: N/A
- # of Free Debits / Month: N/A
- Per Item Debit Fee: $1.00 USD
- Paper Statement: $2.00 USD / month
- In-Branch Deposits: Unlimited; No charge
- Deposit (any Canadian credit union): N/A
- Inquiry (any Canadian credit union): N/A
- Bill Payments (any Canadian credit union): N/A
- Transfer (any Canadian credit union): N/A
- Withdrawal (any Canadian credit union): N/A
- Withdrawal (other Canadian financial institution): N/A
- Withdrawal (international): N/A