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Start banking for free with unfee

Save $234 (or more) in fees every year with Cambrian’s unfee. Just set up a monthly direct deposit into your personal banking account.

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Less bank fees. More life. Save $234 every year.

With unfee, we’ll refund your monthly account fee and qualifying transaction fees on the first day of each month.

For example, with a Premium Chequing Account, we would refund your monthly account fee of $19.50 (plus any other qualifying service fees), saving you a minimum of $234 each year!

That could mean a week’s worth of groceries... or two gas fill-ups. Or something fun like 42 more morning lattes... or a pair of tickets to a hockey game. You get the picture!

*Based on $19.50/month Premium Chequing Account with Direct Deposit, plus any other qualifying service fees.  

Based on groceries for family of three (Woman 19-30, Boy 4-8, Child 1-3) in Canada’s 2025 Food Price Report, 2022 Toyota Rav 4 with 14-gallon gas tank at 167.9 cents, Starbucks grande Caffe Lattes, 2 x Winnipeg pro league hockey tickets in Section 305.

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.

Frequently
Asked Questions

How do I qualify for unfee?

To qualify for unfee, you simply need a monthly, recurring direct deposit in your Cambrian personal chequing or savings account. All personal banking accounts qualify except US Dollar Account.

Which accounts qualify for unfee?

All personal chequing and savings accounts with a monthly direct deposit qualify for unfee (except US Dollar Account):

Plus, if one of your accounts qualifies for unfee, all other accounts in your membership will get qualifying service fees refunded monthly (except US Dollar Account).  

*Our Connect Account (for ages up to 22 years old) automatically get service fees refunded, with or without a direct deposit.

What is a monthly direct deposit?

A monthly, recurring direct deposit is an automatic deposit to your account by an employer (payroll), government (benefit) or financial services provider (retirement/pension).

How do I set up a direct deposit in my account?

1. Log into Online Banking

2. Select the three dots next to the account you want to direct deposit to and select "Download Pre-Authorized Form”.

3. Select "Pre-Authorized Deposit”.

The form will contain all the information you need to set up a direct deposit.

Which service fees qualify for unfee?

The following service fees on qualified personal banking accounts are refunded monthly with unfee:

  • Monthly Account Fee
  • Monthly Overdraft Protection Fee
  • Transaction Fees (including those over the maximum account/package limit):
  • Bill Payment – Online & In-branch
  • Cheque
  • Interac® Direct Debit
  • Pre-Authorized Debit (withdrawal)
  • Transfers – within membership & member to member
  • Withdrawal – In-branch & at Credit Union ATMs in Canada

See our full list of Service Fees.