Accounts
Consumer Accounts
• no monthly service fee
• non interest bearing
• .70/cheque, electronic withdrawal, POS
• regular e-transfer fees apply
• 2.00 OTC bill payment or free on-line
• free MemberDirect
• POS & cheque purchases are covered by CUMIS Buyer Protection
& Extended Warranty Program
• regular ATM fees apply where applicable
$15.00/month
• 75 POS transactions included – regular charges apply after 75
• POS & cheque purchases are covered by CUMIS Buyer Protection
& Extended Warranty Program
• free MemberDirect
• free on-line bill payments – OTC 2.00 each
• only e-statements available
• no cheque writing privileges
• 5 free e-transfers/month – regular charges apply thereafter
• regular ATM fees apply where applicable
$12.00/month
Compass Transaction 40 $12.00/month
• regular charges of .70 apply after 40 transactions
• no charge for MemberDirect
• no charge for money orders
• no charge for certified cheques, drafts or primary orders
• no charge for on-line bill payments
• OTC bill payments 2.00 each
• unlimited free in-branch deposits & withdrawals
• POS & cheque purchases are covered by CUMIS Buyer Protection
& Extended Warranty Program
• 2 free e-transfers/month – regular charges apply thereafter
• regular ATM fees apply where applicable
$17.00/month
• regular charges of .70 applies after 60 transactions
• no charge for MemberDirect
• no charge for money orders
• no charge for certified cheques, drafts or primary orders
• no charge for on-line bill payments
• OTC bill payments 2.00 each
• unlimited free in-branch deposits & withdrawals
• POS & cheque purchases are covered by CUMIS Buyer Protection
& Extended Warranty Program
• 3 free e-transfers/month – regular charges apply thereafter
• regular ATM fees apply where applicable
$22.00/month
• unlimited transactions
• no charge for MemberDirect
• no charge for money orders
• no charge for certified cheques, drafts or primary orders
• no charge for on-line bill payments – OTC bill payments 2.00 each
• unlimited free in-branch deposits & withdrawals
• POS & cheque purchases are covered by CUMIS Buyer Protection
& Extended Warranty program
• 5 free e-transfers/month - regular charges apply thereafter
• regular ATM fees apply where applicable
• no monthly service fee
• members over 59
• unlimited POS / cheques / external withdrawal transactions
• no service fees for money orders, certified cheques & primary
orders
• e-transfers available and regular charges apply
• free MemberDirect with e-statement access
• no fee for OTC or on-line bill payments
• paper statements with images available – 2.00
• personalized cheques provided at no cost
• POS & cheque purchases are covered by CUMIS Buyer Protection
& Extended Warranty Program
• regular ATM fees apply where applicable
• no fee account
• non-interest bearing
• unlimited POS/cheques/external withdrawal transactions
• no charge for internet banking
• no charge for OTC or on-line utility bill payments
• paper statements with images provided monthly
• POS & cheque purchases are covered by CUMIS Buyer Protection
& Extended Warranty Program
Ages 0-10
• Free
• CU pays share
• share is refundable if account isn’t closed within a year
• unlimited in-branch withdrawals/deposits
• follows Plan 24 interest rate
Ages 11-18
• 40 electronic or POS transactions
• unlimited OTC deposits or withdrawals available
• Membercards available
• no monthly fee
• no interest
• CU pays share
• share is refundable if account isn’t closed within a year
• no charge internet banking
• unlimited on-line bill payments – OTC bill payments 2.00 each
• 5 free e-transfers/month – regular charges apply thereafter
• POS purchases are covered by CUMIS Buyer Protection &
Extended Warranty Program
• regular ATM fees apply where applicable
Ages 19-25
• non-interest bearing
• proof of enrollment in post-secondary education
• free in branch withdrawals/deposits
• CU pays share
• share is refundable if account is not closed within a year
• no charge internet banking and on-line bill payments
• OTC bill payments 2.00 each
• includes 40 POS transactions per month
• over 40 transactions, regular charges of .70 each applies
• 5 free e-transfers/month – regular charges apply thereafter
• POS & cheque purchases are covered by CUMIS Buyer Protection
& Extended Warranty Program
• regular ATM fees apply where applicable
• no monthly service fee
• .70/POS transaction
• free MemberDirect with e-statement access
• e-transfers available and regular charges apply
• interest calculated on the closing daily balance & paid monthly
• POS purchases are covered by CUMIS Buyer Protection &
Extended Warranty Program
• no cheques allowed but if an external pre-authorized withdrawal
is set up, fee is 1.50 each
• bill payment OTC 2.00 / free on-line bill payments
• regular ATM fees apply where applicable
• no monthly service fee
• .70/POS transaction
• free MemberDirect with e-statement access
• POS purchases are covered by CUMIS Buyer Protection &
Extended Warranty Program
• no cheques allowed but if an external pre-authorized withdrawal
is set up, fee is 1.50 each
• e-transfers available and regular charges apply
• tiered interest rate – see in branch
• regular ATM fees apply where applicable
• no monthly service fee
• .70/POS transaction
• free MemberDirect with e-statement access
• e-transfers available and regular charges apply
• interest is calculated on the minimum monthly balance & paid
semi-annually
• POS purchases are covered by CUMIS Buyer Protection &
Extended Warranty Program
• no cheques allowed but if an external pre-authorized withdrawal
is set up, fee is 1.50 each
• bill payment OTC 2.00 / free on-line bill payments
• regular ATM fees apply where applicable
*Please note that all packages can opt out to receiving statements which negates any charge for descriptive statements
Commercial Accounts
$60.00/month
• fee charged at month end
• 100 cheques or external withdrawals included
• unlimited POS transactions
• includes 5 Interac e-transfers – regular charges apply thereafter
• OTC or on-line bill payments included
• free MemberDirect
• no fee charged on money orders/drafts
• monthly paper statements provided at no cost
• POS & cheque purchases are covered by CUMIS Buyer Protection
& Extended Warranty Program
• Business accounts with high volumes of cash/coin on deposit
may be levied a fee
• regular ATM fees apply where applicable
• no monthly service fee
• non interest bearing
• .70/cheque/external withdrawal/POS
• e-transfers available – regular charges apply
• 2.00 OTC bill payment or free on-line
• free MemberDirect
• POS & cheque purchases are covered by CUMIS Buyer Protection
& Extended Warranty Program
• Business accounts with high volume cash/coin on deposit may be
levied a fee
• regular ATM fees apply where applicable
• 2 free cheques per month
• .70/cheque or POS transaction
• tiered interest calculated daily and paid monthly – see in branch
• on-line bill payments included
• free MemberDirect
• OTC bill payments are 2.00 each
• e-transfers available – regular charges apply
• free e-statements / paper statements 2.00 per month
• POS & cheque purchases are covered by CUMIS Buyer Protection
& Extended Warranty Program
• regular ATM fees apply where applicable
• no monthly service fee
• non interest bearing
• 1.50 per cheque
• statements available
*Please note that all packages can opt out to receiving statements which negates any charge for descriptive statements
Investment Accounts
• no monthly service fee
• lump sum deposits allowed from October 1 to December 15
• pre-authorized deposits can be set up but must be completed by
November 15
• interest calculated on the closing daily balance & paid annually
on October 31
• only OTC withdrawals or transfers
• on-line access for viewing only
• no monthly service fee
• 2 tier interest rate – see in branch
• interest calculated on a minimum monthly balance and paid
monthly
• .70/POS transaction
• free MemberDirect with e-statement access
• e-transfers available and regular charges apply
• POS purchases are covered by CUMIS Buyer Protection &
Extended Warranty Program
• no cheques allowed but if an external withdrawal is set up, fee
is 1.50 each
• free on-line bill payments – OTC 2.00
• regular ATM fees apply where applicable
• no fee account
• OTC transfers or cash withdrawals only
• individuals, co-operatives and corporations are eligible
• tiered interest rate, paid semi-annually
• helps manage small income declines or to make investments to
mitigate risks or improve market income
• the account builds as you make annual deposits and receive
matching government contributions
• flexibility to withdraw funds at any time
Click below for more information about the investment and wealth management services we offer.
*Deposits are fully guaranteed without limit by Deposit Guarantee Corporation of Manitoba