Online Banking

Everyday Chequing + Savings

 All deposits are guaranteed 100% by the Deposit Guarantee Corporation of Manitoba.

Packaged Accounts

Performance Plus Plan Expand/Collapse

  • Unlimited chequing, debits* and withdrawals
  • Daily interest paid monthly
  • 1 order (48) free cheques per year
  • Overdraft protection to $500**
  • CUMIS Purchase Guard/Extended Warranty Protection for purchases using most Carpathia MasterCards, Carpathia MemberCard *** or Performance Plus Plan cheques
  • $10 annual discount on a safety deposit box
  • 4 free money orders per month


Plus no fees for
  • Cheque certification by member
  • Stop payment on cheques
  • Chargeback for NSF deposit
  • Debit card transactions
  • Monthly mailing of account statements and cheque images


** Some conditions apply
*** Valid only when used on Interac Direct Payment System

Performance Plan Expand/Collapse

Carpathia's personal chequing account that provides the convenience of eliminating itemized service charges.

  • First fifteen (15) debits* free (excluding interact e-transfer)
  • No charge for mailing monthly statement and cheque images
Any additional transactions in excess of the first fifteen are $1.00 per transaction.

Gold Account Expand/Collapse

The Gold Account has been designed for members who have reached the age of 65. As Gold members have supported the Credit Union for a long time, they deserve to be rewarded for loyalty.

  • Free chequing, debits* and withdrawals
  • Free debit card transactions on the Interac Direct Payment system
  • CUMIS Purchase Guard/Extended Warranty Protection for purchases using most Carpathia MasterCards, Carpathia MemberCard** or Gold Account cheques
  • $10 discount on safety deposit box rental
  • No charge option to have term deposit paid monthly
  • Free mailing of chequing account statements and cheque images
  • Preferred interst rate on savings account
  • No monthly maintenance fee on US chequing account

e@access Expand/Collapse

Our e@ccess account is designed for those members who prefer electronic channels and the no-cost alternative.

  • Interest calculated on the closing daily balance and paid monthly with a special interest rate of 0.05%
  • Unlimited free Carpathia ATM deposits, withdrawals, transfers and inquiries
  • Free pre-authorized Carpathia Credit Union loan and mortgage payments
  • No monthly maintenance fee*
  • Chequing privileges at regular rates
  • Interac Direct payments and other charges apply

À La Carte (Pay As You Go)

Regular Chequing Expand/Collapse

This is a day-to-day banking account with basic chequing privileges.

There is a low monthly fee and flexibility to pay as you go.

Regular Savings Expand/Collapse

This is the perfect basic savings account with no monthly fees and two free debits* per month.

No minimum balance is not a problem. You can still save and earn interest twice a year.

Daily Interest Savings Expand/Collapse

Daily Interest Savings account is a savings plan designed with no minimum monthly maintenance fee and no minimum balance requirement.

Interest is paid monthly but is calculated on the closing daily balance.

High Interest Accounts

Investment Savings Account Expand/Collapse

This account offers you more than a typical savings account.

  • Highly competitive rate
  • Interest calculated on minimum daily balances (paid monthly)
  • No maintenance fees
  • One free debit* per month
  • Accessible to all personal, organizational and business members
  • Descriptive monthly statement available
Minimum daily balance of $5,000 required to remain eligible for preferred rate which is applied to the amount above the minimum required balance. Rate converts to regular daily savings rate if balance falls below the $5,000 minimum.

This account, including interest, qualifies for participation into Carpathia's Member Equity Plan, which pays a portion of the Credit Union's earnings to its members based on their patronage.

Xtreme Savings Expand/Collapse

A flexible high interest savings account developed with the most Xtreme savers in mind - the more you save, the more you gain! Highly competitive rate (comparable to a current one year term rate).

  • Interest calculated on minimum monthly balances (paid monthly)*
  • No monthly maintenance fees
  • One free debit* allowed per month
  • Accessible via branch services and online
  • Available to all personal members
  • Descriptive monthly statement available
Minimum monthly balance of $10,000 required to remain eligible for the preferred rate.

This account, including interest, qualifies for participation into Carpathia's Member Equity Plan, which pays a portion of the Credit Union's earnings to its members based on their patronage.

*If the account is opened after the 1st of the month, the minimum monthly balance for that month would be $0


Youth Accounts

Fat Cat Savings (under age 13) Expand/Collapse

The Fat Cat account is available to our members who are under the age of 13. It is a great way for young people to learn the value of money and develop good saving habits for now and for the future
  • No membership fee (the $5 is paid for by Carpathia)
  • No minimum balance required to earn interest
  • $100 term deposits available

Moving Up (ages 13 to under 18 years) Expand/Collapse

The perfect account for young adults between the ages of 13 to 17 years.
  • No membership fee (the $5 is paid for by Carpathia)
  • No minimum balance required to earn interest
  • $100 term deposits available
  • Free monthly detailed statements
  • Free cheque writing privileges
  • ATM card
  • Access to the annual scholarship competition

Campus Account (ages 18 to 25 years) Expand/Collapse

Perfect account for post-secondary students between the ages of 18 to 25.
  • No charge for chequing account debits*
  • Free credit union ATM withdrawals anywhere in Manitoba
*Debits include cheques, bill payments, debit card transactions and withdrawals.