Access Credit Union NSF fee
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Access Credit Union's service fee page, updated May 25, 2026, prints a $45.00 NSF fee. A transfer to cover an overdraft is $3.00. An unauthorized overdraft is $5.00 per item. The wider table is Canada NSF fees by bank.
Last updated: October 21, 2026
Last checked: Oct 2026
The NSF rows
Opened 21 October 2026. The rows are on the Access Credit Union service fees page, updated May 25, 2026. Non-Sufficient Funds (NSF) is $45.00. Automatic Transfer to Cover Overdraft is $3.00. Unauthorized Overdraft is $5.00 per item, and the next line on that cell prints "21% interest charge." The page does not say that 21% is annual. This guide does not add the word annual.
Access Credit Union is a Manitoba credit union. This row is its own schedule. It is not the federal $10 cap that applies to personal deposit accounts at federally regulated banks.
The line on your own statement is the one that counts. Upload it on the upload page. The PDF stays on your device. Expenvo lists the lines. It does not call the institution.
| Line | What Access prints |
|---|---|
| NSF | $45.00 |
| Automatic transfer to cover overdraft | $3.00 |
| Unauthorized overdraft | $5.00 per item |
| Interest line under unauthorized overdraft | 21% interest charge |
How to tell the rows apart
The $45.00 is the NSF row. The $3.00 is a transfer that covers the overdraft. The $5.00 is per item for an unauthorized overdraft, with the 21% interest line in the same cell. A monthly package fee on a later product grid is not this NSF schedule. Match the words on the statement to one of these three rows.
Questions
- How much is an Access Credit Union NSF fee?
- The service fees page updated May 25, 2026 prints Non-Sufficient Funds (NSF) at $45.00.
- How much is an Access Credit Union overdraft transfer?
- Automatic Transfer to Cover Overdraft is $3.00. Unauthorized Overdraft is $5.00 per item.
- Is the Access Credit Union NSF fee the federal $10 cap?
- No. Access Credit Union is a Manitoba credit union, and this page quotes its own $45.00 NSF row.
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