Chequing account · UNI Coopération financière
UNI Coopération financière Personal Chequing Account (Intermediate Plan): fees and true cost
UNI Coopération financière’s Personal Chequing Account (Intermediate Plan) charges $12.95/mo, or $0 with a $3,000 minimum balance, with 30 a month transactions. For our “Everyday” example that comes to $364 a year, #26 of 43 chequing accounts offered in New Brunswick.
CDICOffered in NB
Fees retrieved November 1, 2026
Mitey tallies a year of UNI Coopération financière’s Personal Chequing Account (Intermediate Plan): $364 for the Everyday profile.
How much does Personal Chequing Account (Intermediate Plan) from UNI Coopération financière cost a year?
For a typical household (43 transactions and a $1,000 low balance a month), Personal Chequing Account (Intermediate Plan) costs $364 a year, #26 of 43 chequing accounts offered in New Brunswick. The $12.95 monthly fee is waived with a $3,000 minimum balance. Cheaper for the same banking: Personal Account at EQ Bank ($0).
Who does UNI Coopération financière Personal Chequing Account (Intermediate Plan) suit?
- Best fit: the Branch and cheques profile (teller visits, cheques, paper statement), where it ranks #14 of 35 chequing accounts offered in New Brunswick. It costs most for the Heavy profile: $851 a year.
- Allowance: 30 transactions a month; each one beyond that costs $1.25, so 10 more a month adds $150 a year.
- Waiver or fee? Keeping $3,000 waives the $12.95 fee ($155 a year). The same money at 3% (30 Day Notice Savings Account, EQ Bank) would earn about $90 a year, so holding the balance is the cheaper way to run this account.
- Versus the cheapest: for everyday use it costs $364 a year more than Personal Account (EQ Bank), $1,819 over five years.
What would it cost you in a year?
| Usage | Fees a year | Why | Rank |
|---|---|---|---|
| Light Mostly card and app, small balance | $155 | Monthly fee $12.95 | 22 of 43 |
| Everyday Household account, a few e-Transfers | $364 | Monthly fee $12.95; extra transactions $14.36/mo | 26 of 43 |
| Heavy Lots of card, bill and e-Transfer payments | $851 | Monthly fee $12.95; extra transactions $51.95/mo | 31 of 43 |
| Branch and cheques Teller visits, cheques, paper statement | $195 | Monthly fee $12.95 | 14 of 35 |
Try your own numbers in the true-cost finder. Is keeping $3,000 in the account worth it? Run it in the account-fee calculator.
Every fee FCAC lists for this account
| Item | Fee |
|---|---|
| Monthly fee | $12.95/mo, or $0 with a $3,000 minimum balance |
| Included transactions | 30 a month |
| Debit purchase in Canada (beyond included) | $1.25 |
| Online or mobile bill payment | $1.25 |
| Interac e-Transfer | No extra fee |
| Online transfer between your accounts | $1.25 |
| Own-bank ATM withdrawal | $1.25 |
| Withdrawal at another institution’s ATM | $3.00 |
| ATM withdrawal in the United States | $3.00 |
| ATM withdrawal in other countries | $3.00 |
| Debit purchase in the United States | $1.25 |
| In-branch withdrawal | $1.25 |
| Bill payment in branch | $3.50 |
| Cheque (as a payment) | $1.25 |
| Mailed monthly statement | $3.30 |
| Non-sufficient funds (NSF) | $10.00 |
| Overdraft protection, monthly | No extra fee |
| Overdraft protection, per use | No extra fee |
| Overdraft interest | 21% a year |
Notes from the institution
FCAC retrieved information for this account from publicly available information on the financial institution's website. Product features, fees, rates and eligibility requirements may change. Please verify current account details directly with the financial institution.
Is the money protected?
CDIC member. Eligible deposits are covered up to $100,000 per category at each CDIC member — see the deposit safety tool.
Cheaper for everyday use, at other institutions
- Personal Account (EQ Bank) — $0 a year
- Wealthsimple Chequing (Wealthsimple) — $0 a year
- 1Q Chequing Account (KEB Hana Bank Canada) — $0 a year
Other chequing accounts at UNI Coopération financière
- Personal Chequing Account (Basic Plan) — $3.95/mo, no balance waiver
- Personal Chequing Account (Unlimited Plan Plus) — $29.95/mo, or $0 with a $6,000 minimum balance
- Personal Chequing Account (Unlimited Plan) — $16.95/mo, or $0 with a $4,000 minimum balance
Source: FCAC Account Comparison Tool (data submitted by the institution), retrieved November 1, 2026 · UNI Coopération financière’s product page
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