Edge Start Savings

Give them a head start with an Edge Start savings account!

A beginner’s account to help kids learn how to start saving. 

Available to members 0 to 13 years of age (must be joint with a parent or guardian until age 13), this account requires no monthly fee AND Crosstown Civic Credit Union will cover the first $5 investment for these members.*


  • Your first savings account—with no monthly fee.
  • Transaction capabilities and earned interest.
  • Debit card available with parent or guardian authorization. Let your child get their first taste of financial independence and accountability by giving them their own debit card.
  • Unlimited Manitoba transactions. Allow your child access to their account within designated limits, and under parental guidance, with unlimited counter withdrawals at the branch, free point-of-sale purchases, and free Manitoba credit union ATM transactions.
  • Earn interest right away – there is no minimum balance required to earn interest. Interest is calculated on daily closing balance and paid on the last day of the month. Interest paid is eligible for bonus annually under our Member Rewards Plan.
  • Deposits guaranteed without limit by the Deposit Guarantee Corporation of Manitoba (DGCM). You can feel secure knowing both your principal and interest are guaranteed.
  • Enrollment in the Member Rewards Plan—all interest earned on non-registered deposits qualifies for patronage and share allocations.

Edge Start account members are also eligible for GIC investments with Crosstown Civic – $100 minimum for 1 – 7 year GIC terms.

The following fees apply:


Monthly Fee FREE


Debit (cheque, withdrawal or intra-account transfer) FREE
In-branch Deposit FREE
Bill Payment Debit* $0.55

ELECTRONIC TRANSACTIONS (automated & online/mobile/telephone banking)

Debit (Bill Payment, Interac e-Transfer®)** $0.55
Pre-authorized Debit (PAD) $0.55
Pre-authorized Deposit FREE
ATM Withdrawal or Debit Card Point-of-Sale Purchase1 FREE
Intra-account Transfer FREE
Remote Deposit FREE


eStatements with Cheque Images FREE

PLEASE REFER TO ACCOUNT-RELATED FEES & OTHER SERVICES FOR ADDITIONAL APPLICABLE FEES. 1Service Fees on Personal Chequing Accounts are subject to change. *Additional Bill Payment fees may apply. **Additional Interac e-Transfer® fees may apply.

Visit your local branch today to open an Edge Start savings account for your child!

*A $5.00 deposit is required for membership with Crosstown Civic Credit Union.

ONLINE BANKING PASSWORD CHANGES: Some members may be asked to change their PAC (password) when logging into online banking. Find out more.
Protect yourself and others. Effective Monday, September 28, members and staff are now required to wear a mask in all branches with some exceptions in accordance with the Public Health Order. Find out more.