Starting Out: Youth and Student Accounts

Get the head start you need with no-fee chequing, free e-Transfers®, and reduced interest rates on student loans and lines of credit.

Start them out right with the youth account package that’s right for them.

If you’re a young member just starting out on your financial journey, we’ll give you an account with no monthly fees to help get you going.

Every account comes with:

  • Full access to INTERAC® payment services
  • Ability to move your money quickly and conveniently with services like debit, e-Transfer®, AutoDeposit®, or Request Money®
  • Access to online banking, Access 24-7 mobile app, and our Member Solutions Centre

Grow Savings

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

  • Designed for members aged 0 to 15
  • No monthly fee
  • Unlimited transactions
See account details and fees
Eligibility 0-15* Cheque Clearing Free
Monthly Fee Fee Electronic Transfers Free
Interest Calculated Daily Online Bill Payments N/A
Interest Paid Monthly INTERAC® e-Transfers Free
In-Branch Withdrawals Free MB CU ATM Access Free
In-Branch Bill Payments N/A Debit Card Purchases Free

*A parent/guardian signor may be required. See your branch for more details.

Other Benefits: Special interest rate on first $2000 deposited.

Grow Chequing

An easy-to-use first chequing account for the young money-maker.

  • Designed for members aged 0 to 19
  • No monthly fee
  • 10 free e-Transfers included per month
  • 30 free withdrawals included per month
See account details and fees
Eligibility 0-19* Cheque Clearing $0.50
Monthly Fee Free Electronic Transfers $0.50
Interest Calculated Daily Online Bill Payments $0.50
Interest Paid Monthly INTERAC® e-Transfers $1.00
In-Branch Withdrawals $0.50 MB CU ATM Access $0.50
In-Branch Bill Payments** $1.00 Debit Card Purchases $0.50

*A parent/guardian signor may be required. See your branch for more details.
**Not included in monthly package benefits. Collabria credit card payments and government agency payments waived.

Other Benefits: 30 free withdrawals per month (cheques, bill payments, electronic and cash withdrawals, debit card purchases, MB ATM transactions) and 10 free INTERAC® e-Transfers (charged in real time and refunded at end of month)

Student Chequing

The benefits of a chequing account, plus earned interest to get the most from your money during school.

  • Available to any full-time student enrolled in a post-secondary educational institution* - no age limit!
  • All the benefits of a chequing account plus tiered savings
  • No monthly fee
See account details and fees
Eligibility Full-time students (any age)* Cheque Clearing $0.50
Monthly Fee Free Electronic Transfers $0.50
Interest Calculated Daily Online Bill Payments $0.50
Interest Paid Monthly INTERAC® e-Transfers $1.00
In-Branch Withdrawals $0.50 MB CU ATM Access $0.50
In-Branch Bill Payments** $1.00 Debit Card Purchases $0.50

Other Benefits: 30 free withdrawals per month (cheques, bill payments, electronic and cash withdrawals, debit card purchases, MB ATM transactions) and 10 free INTERAC® e-Transfers (charged in real time and refunded at end of month)

*A full-time student will be defined as someone taking 18 credit hours or three full courses per semester. There is no age limit, but proof of enrollment is required annually in order to maintain these account benefits.
**Not included in monthly package benefits. Collabria credit card payments and government agency payments waived.

Open an Account

Ready to open a youth account for yourself or your child? Contact us today to get started.

Accounts at a glance: Downloadable resources

Learn more about the new accounts and service fees by browsing our updated account brochures:

Personal Accounts | Business Accounts | Service Fees

What’s changed from your previous Crosstown Civic account?

We’ve highlighted specific changes for you in this PDF.

Effective Wednesday, January 20, most of our branches will reopen to members. Learn more.
Important Notice: We merged with Access Credit Union effective January 1, 2021. Please continue using your legacy Crosstown Civic website, online banking and mobile app until further notice. Learn more