Cambrian Credit Union NSF fee
Cambrian Credit Union lowered the personal NSF fee from $45 to $10 on 1 September 2026. That $10 is the current personal NSF line. Unfee does not refund it. The wider table is Canada NSF fees by bank.
Last updated: October 21, 2026
Last checked: Oct 2026
The $10 fee
Opened 21 October 2026. Cambrian's service fee changes page says the personal NSF fee dropped from $45 to $10 effective 1 September 2026. The NSF FAQ is the same topic in question form. Today is after that date, so $10 is the figure this page uses. A statement from before 1 September 2026 can still show the old $45.
The Unfee FAQ lists fees Unfee refunds. NSF is not on that list. Do not read Unfee as a waiver of the NSF fee. Overdraft protection is a different line: $3 a month without Unfee, and no monthly fee with Unfee. That $3 is not the NSF fee.
Cambrian is a Manitoba credit union. The $10 happens to match the federal cap, but the federal cap is not what sets this row. The service fee changes page is the source.
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 Cambrian prints |
|---|---|
| Personal NSF fee from 1 September 2026 | $10 |
| Personal NSF fee before that date | $45 |
| Unfee and NSF | NSF is not on the Unfee refund list |
| Overdraft protection monthly fee | $3 without Unfee, and no monthly fee with Unfee |
How to avoid it
Match the statement date to the fee. A personal NSF line on or after 1 September 2026 should be $10. A $45 line after that date is the number to ask about. A $45 line before that date matches the old fee.
Unfee can remove the $3 monthly overdraft protection fee. It does not, on the FAQ that was opened, refund the NSF fee. Those are two charges. How NSF rules work at federally regulated banks, which is a different set of institutions, is on NSF fees in Canada.
Questions
- How much is a Cambrian Credit Union NSF fee?
- The service fee changes page prints $10 for a personal NSF fee effective 1 September 2026. Before that date it was $45.
- Does Cambrian Unfee refund the NSF fee?
- No. The Unfee FAQ's refund list does not include NSF. Unfee can remove the separate $3 monthly overdraft protection fee.
- Is Cambrian's $10 the federal NSF cap?
- The dollar matches $10, but Cambrian is a Manitoba credit union. The source for this row is Cambrian's own service fee changes page, not the federal cap.
Sources
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