Personal Extra 
Spending Account
With 50 free transactions per month, our Personal Extra Spending Account is perfect if you anticipate making around one to two transactions per day. And with a balance over $3,000, there are no monthly fees! It also gives you free access to digital banking, eStatements, alerts and more.
Key Features

 

  • Account Fees: The monthly account fee is only $10 and includes 50 free transactions. After that, each transaction is $1. And, if you carry a $3,000 balance, we’ll waive your 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 e-Transfer: Interac e-Transfers cost $1.50 each, plus $1 over your 10 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: $10.00 / month
  • Minimum Monthly Balance*: $3,000
  • # of Free Debits / Month: 50
  • Per Item Debit Fee: $1.00 (if over 50 free 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): $1.00 (if over 50 free debits)
  • Transfer (any Canadian credit union): $1.00 (if over 50 free debits)
  • Withdrawal (any Canadian credit union): $1.00 (if over 50 free debits)
  • Withdrawal (other Canadian financial institution)*: $1.50; plus $1.00 (if over 50 free debits)
  • Withdrawal (international)*: $3.00, plus $1.00 (if over 50 free debits)
  • AFT (Automated Funds Transfer): $1.00 (if over 50 free debits)
  • Cheque: $1.00 (if over 50 free debits)
  • Direct Payment / Point of Sale Purchase: $1.00 (if over 50 free debits)
  • In-Branch Cash Withdrawal or Transfer: $1.00 (if over 50 free debits)
  • In-Branch Bill Payment: $1.00 (if over 50 free debits)
  • Online Bill Payments: $1.00 (if over 50 free debits)
  • Inquiries: Unlimited; No charge
  • Loan Payments: $1.00 (if over 50 free debits)
  • Transfers (Immediate, Scheduled, Recurring): $1.00 (if over 50 free debits)
  • Receive Interac e-Transfer®: Unlimited; No charge
  • Send Interac e-Transfer®: $1.50/transfer; plus $1.00 (if over 50 free debits)
  • 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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