At AcceleRate Financial, there are no monthly maintenance fees and you won’t have to pay to deposit funds.
The following fee structure reflects our goal to provide deposit solutions for savings and investment. For additional information regarding our service fees, please contact an AcceleRate Financial member services support centre at:

Winnipeg: 1-204-954-9543
Toll-free: 1-888-954-9543
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

The following fees are effective as of September 1, 2022. Please note that all fees are subject to change.

Standard texting and data rates apply to all mobile online transactions.

Transaction Fees
Savings Account Fees
All deposits Free Free
Personal cheque order Free
First cheque, Interac direct payment or electronic funds withdrawal per calendar month Free
Each additional debit $1.00
Automated Teller Machine (ATM) Fees
Credit Union ATM (ACCULINK®) deposits and inquiries Free
Credit Union ATM (ACCULINK®) withdrawals and transfers $1.00
INTERAC® and out-of-province ATM not on ACCULINK® withdrawal $2.00*
U.S. and international ATM (Cirrus) withdrawal $3.50*
       *In addition to a $1.00 fee at month's end
ATM Card Fees
Initial card or replacement card Free
Replacement card (mishandling) $10.00
Internet Banking / ExpressLine Telephone Banking Fees
Bill payments $1.00
Transfer between sub-accounts Free
INTERAC® e-transfer
Send $1.00*
Receive Free
Cancel previous send $1.50
       *In addition to a $1.00 fee at month’s end
Administration Fees
Stop Payment
Specifics known $11.00
Specifics not known (monitoring fee per day) $1.50
Minimum $15.00
Maximum per month $30.00
Returned Items and Charge Backs
Chargeback on 3rd party cheque $5.00
Chargeback on 1st party cheque $40.00
NSF withdrawal (cheque/EFW) $50.00
No overdrafts allowed.
An interest rate of 21% will be charged on accounts in an overdraft position.
Minimum charge $3.00
Transfer from sub-account to cover OD $3.00
Primary order / draft $10.00
Membership Closed
Within 3 months of opening $10.00
Registered Products
Duplicate tax information receipts - per slip $5.00
Transfer out fee (per request) $50.00
Specialized Estate Assistance Fee $275/hr - 1 hr. min.
T3 Preparation/Return Filing Fee $275/hr - 1 hr. min.
Wire Transfers*
Incoming wire $15.00
       *Other charges may apply


Exceptional Service

AcceleRate Financial is committed to providing our members with excellent service and support. If you have any questions, comments or concerns, please contact our member services support centre.

button call
Canada: 1-888-954-9543

Lost or Stolen Member Card?

If your AcceleRate card has been lost or stolen, please call immediately to cancel access to your card.


Accelerate Debit Card