Cambrian Banking Accounts

Bank for free with a Cambrian Credit Union chequing account or savings account. Just open an account and set up a monthly direct deposit. No minimum amount required.

Why Cambrian? Our purpose is to save, solve and simplify.

Imagine not paying fees on your banking account.

At Cambrian, part of our purpose is to save you time & money, in everything we do, including offering you free banking. Unfee is our way of putting dollars back in our members' pockets. Last year, we refunded $6.5 million in banking fees. To date, that total is over $55 million.

What is Unfee?

Save $222 every year with Unfee.

Simply set up a monthly direct deposit (like your pay or pension) in your Cambrian chequing or savings account and you automatically get your banking fees refunded on the first day of every month. No minimum amount required.

With our Premium Chequing Account, Cambrian’s Unfee will save you $222 every year. Plus, you can get banking fees refunded on multiple accounts*.

*Multiple accounts must be in same membership to qualify; must have a monthly deposit in at least one account.

Deposit Guarantee

All deposits guaranteed without limit by the Deposit Guarantee Corporation of Manitoba.

This means your money is safe with Cambrian.

Chequing Accounts

One account to do all your daily banking: online, in-branch, ATM and debit transactions, plus cheques.

Cambrian also offers the following accounts:

Connect Account
  • Discover our Connect Account for members 22 years and under.
Golden Account
  • Discover our Golden Account for members 59 years and older.
US Dollar Account
  • Discover our account for US transactions

Chequing Account Fees

Premium Chequing Account
Basic Chequing Account
Standard Chequing Account
Monthly fee
FREE
FREE
FREE
Digital Transactions (Online Banking or Mobile App)
Transfer Within Membership
Bill Payments
Member to Member Transfers
INTERAC e-Transfer
ATM Withdrawals/Debit Transactions
INTERAC Debits & Credit Union ATM Withdrawals (in Canada)
ATM Withdrawals at other FIs (in Canada)
Cirrus ATM Withdrawals (Outside Canada)
Branch Transactions
Withdrawals, Cheques or Pre-authorized Debits
Bill Payments (Over the Counter)
Cheques
Certified Cheques
Primary Orders/Official Cheques
Personalized Cheque Order
Image Cheque Return
Premium Chequing Account
Premium Chequing Account
Premium Chequing Account
Monthly fee
FREE
FREE
FREE
Digital Transactions (Online Banking or Mobile App)
Transfer within account
Transfer within account
Transfer within account
Transfer within account
Digital Transactions (Online Banking or Mobile App)
Transfer within account
Transfer within account
Transfer within account
Transfer within account
Digital Transactions (Online Banking or Mobile App)
Transfer within account
Transfer within account
Transfer within account
Transfer within account
Digital Transactions (Online Banking or Mobile App)
Transfer within account
Transfer within account
Transfer within account
Transfer within account
Premium Chequing Account
Premium Chequing Account
Premium Chequing Account
Monthly fee
FREE
FREE
FREE
Digital Transactions (Online Banking or Mobile App)
Transfer within account
Transfer within account
Transfer within account
Transfer within account
Digital Transactions (Online Banking or Mobile App)
Transfer within account
Transfer within account
Transfer within account
Transfer within account
Digital Transactions (Online Banking or Mobile App)
Transfer within account
Transfer within account
Transfer within account
Transfer within account
Digital Transactions (Online Banking or Mobile App)
Transfer within account
Transfer within account
Transfer within account
Transfer within account
Premium Chequing Account
Premium Chequing Account
Premium Chequing Account
Monthly fee
FREE
FREE
FREE
Digital Transactions (Online Banking or Mobile App)
Transfer within account
Transfer within account
Transfer within account
Transfer within account
Digital Transactions (Online Banking or Mobile App)
Transfer within account
Transfer within account
Transfer within account
Transfer within account
Digital Transactions (Online Banking or Mobile App)
Transfer within account
Transfer within account
Transfer within account
Transfer within account
Digital Transactions (Online Banking or Mobile App)
Transfer within account
Transfer within account
Transfer within account
Transfer within account
Premium Chequing Account
Premium Chequing Account
Premium Chequing Account
Monthly fee
FREE
FREE
FREE
Digital Transactions (Online Banking or Mobile App)
Transfer within account
Transfer within account
Transfer within account
Transfer within account
Digital Transactions (Online Banking or Mobile App)
Transfer within account
Transfer within account
Transfer within account
Transfer within account
Digital Transactions (Online Banking or Mobile App)
Transfer within account
Transfer within account
Transfer within account
Transfer within account
Digital Transactions (Online Banking or Mobile App)
Transfer within account
Transfer within account
Transfer within account
Transfer within account
Unlimited transactions (service fees are refunded monthly with Unfee)

*All rates and account details subject to change without notice. View all service fees.

Savings Account Fees

Premium Savings Account
With Unfee
Without Unfee
FREE
Digital Transactions (Online Banking or Mobile App)
Transfer Within Membership
Bill Payments
Pre-authorized Debit
Member to Member Transfers
ATM Transactions
Credit Union ATM Withdrawals (in Canada)
Other ATM Withdrawals
In-Branch Transactions
Withdrawals, Cheques or Pre-authorized Debits
Bill Payments
Other Transactions
Stop Payments
Unlimited transactions (service fees are refunded monthly with Unfee)

*All rates and account details subject to change without notice. View all service fees.

What our members say about Cambrian

“My wife and I have been Credit Union members since 1973. Since then we have used many of the services provided. Personal loans, bridge loans, savings and chequeing accounts. GIC’s and Savings bonds. Until I retired, my company had a commercial account with Cambrian Credit Union. We also use Credential for our investments which includes sound financial advice. Our children, now in their forties, have used Cambrian Credit Union for their banking. The service and advice we have been given has always been friendly and professional.”

David

experience with Cambrian

“My wife and I visited Cambrian to open new accounts, in preparation for moving-over all our accounts and investments from another institution. We were able to arrange an appointment with a financial officer on the same day as our initial phone call.

Within a few minutes we were consulting with the financial officer, who answered all our questions (we had many) and carefully walked us through the paperwork.

After our appointment we were on our way with new accounts and debit cards, and smiles on our faces. I look forward to dealing with Cambrian with our investments when the time comes to move them over.”

Marshall

experience opening a new Cambrian account

5

How do I apply for a chequing or savings account online?

Step 1:
Apply online or book a meeting

Option 1: Open an account in minutes with our online application or using our Mobile App. (Opening an account online or with mobile app will automatically default to the Premium Chequing Account, but you will be able to change the account type when you pick up your ATM/Debit card in branch.)

To open an account online or via the app, you will require the following information:

  • Personal information including name, date of birth, contact information, address and social insurance number (SIN
  • Employment information, including where you are employed and for how long
  • Valid photo identification

You will receive a confirmation email with next steps and we will review your application within one business day.

(If you apply as joint account holders, information will be required for both individuals.)

(Note that joint account holders cannot apply through the Mobile App.)

Option 2: Book a meeting online with one of our advisors (you can meet by video, phone or in person).

Step 2:
Once approved, you can set up your Online Banking profile settings.

Login to Cambrian Online Banking or the Mobile App using your member number and temporary password then update your password.

Step 3:
Make a deposit* of any amount to fully activate your account.

Automatic Funds Transfer: in the online application or Mobile App, you can choose the AFT option to electronically transfer funds from another bank account.

Cheque: you can write a personal cheque to yourself, login to the Cambrian Mobile App and select “Deposit” to take a picture of the cheque.*

Be sure to write your new Cambrian account number on the front of the cheque.
*Deposits may be subject to a 7-day hold.

Branch: you can make a deposit at any Cambrian branch location.
Please bring the identification used to complete the account application.

We will deduct $5 from your initial deposit to cover your Cambrian member share. Your member share will display on your monthly statement.

Step 4:
Once your deposit is processed, your new Cambrian Credit Union Account is activated and ready for your use.

Be sure to follow these steps:

- Bank for Free with Unfee: Set up a monthly direct deposit, of any amount, in your account (ex. your pay or pension) and we will refund your service charges every month. To get started, give the Preauthorization Credit Form to your payroll department or pension provider.

- ATM/Debit Card: Get your card at any Cambrian branch location. Or send us a request via Secure Message in Cambrian Online Banking and we will mail it to you.

Reach us when and where
you need us.

We know your time is precious, so we strive to make your experience quick and seamless.

Same-day response to your application.
  • Online applications will be reviewed within one business day.
  • Credit decisions are made locally ensuring a quick turnaround time.
Our average call response time is under 1 minute.
  • When you have questions, you can reach us in minutes (not hours).
  • Our contact centre representatives are personable and local.
You don’t need to come into the branch.
  • Book a meeting online to meet with an advisor by video or phone.
  • You can meet with any of our available advisors at the time that suits you best.

Frequently
Asked Questions

How do I download your mobile banking app?

Download the Cambrian Mobile App to your phone and follow the prompts to login for the first time.

You will need to be set up for Cambrian Online Banking to login to our Mobile App. Contact us to get you set up over the phone.


What are your service fees?

See a full list of our Service Fees.

Can you open a banking account online?

Should I open a Savings account or a Chequing account?

Many of our members open a Chequing account for their daily banking and a Savings account to save up for a special project or occasion.

  • Our Premium Chequing Account provides you the best value, including more free transactions and cheques.
  • Our Premium Savings account gives you a high interest rate plus day-to-day banking transactions.


And you can bank for free when you set up a monthly direct deposit in your Chequing or Savings account; we will refund your banking fees automatically every month.


You can open as many accounts as you want and nickname the accounts as you wish.

Can anyone open an account at Cambrian Credit Union?

Manitoba residents 18 years and older can open a Cambrian account online or at the branch. You must have a Canadian Credit File and valid government-issued photo I.D. (ex: driver’s license).


Manitoba residents less than 18 years can open a Cambrian account at the branch. You may require a parent or guardian signature unless you are able to provide the required documentation like valid government-issued photo ID (ex. driver’s license).

Do you offer Apple Pay / Google Pay / Samsung Pay?

You can use Apple Pay, Samsung Pay and Google Pay with your Cambrian chequing and savings accounts and your Cambrian Credit Union Mastercard®.


Set up Samsung Pay

  1. Download the Samsung Pay app from Samsung Galaxy Apps on your eligible Samsung device.
  2. Open the app on your device and sign into your Samsung Account.
  3. Follow the on-screen instructions to add your Cambrian ATM/Debit card or Cambrian Credit Union Mastercard®


Set up Apple Pay

  1. Open Apple Pay
  2. Follow the on screen instructions
  3. Verify your card using the Cambrian Mobile App or by calling Cambrian’s support department at (204) 925-2727 or toll free at 1 (888) 695 -8900.


Set up Google Pay

  1. Download Google Pay from the Google Play Store.
  2. Open the Google Pay app.
  3. Tap the (+) sign.
  4. Follow the on-screen instructions to add your Cambrian Credit Union ATM/Debit card or Cambrian Credit Union Mastercard®
How many Cambrian accounts can I open?

You can open as many Cambrian accounts as you wish.