| Service Charges - effective June 1st, 2019 |
Personal |
Business |
| Savings |
| Cash Withdrawals (OTC/ICU) |
$1.00 |
| # Free Per Month |
2 free |
0 |
| Cheques on Savings |
$6.00 |
| Debit Card Transaction (Direct Payment) |
$0.80 |
| Preauthorized Debits on Savings |
$1.00 |
| Interac Flash® |
$0.80 |
| Monthly Maintenance Fee |
FREE |
| Direct Deposit |
FREE |
$0.30 |
| Chequing |
|
| Cash Withdrawals (OTC/ICU) |
$1.00 |
| Cheque Withdrawals |
$0.90 |
$1.00 |
| Preauthorized Debits |
$0.75 |
| Debit Card transaction (Direct Payment) |
$0.75 |
| Crossborder Debit Card Transaction |
$0.75 |
| Interac Flash® |
$0.75 |
| Monthly Maintenance Fee (Chq with no Pkg Plan) |
$2.25 |
$5.50 |
| In-Branch Deposits |
FREE |
$1.00 |
| Direct Deposit |
FREE |
$0.30 |
| Non Sufficient Funds (NSF) |
$45.00 |
| Miscellaneous |
|
| ATM Withdrawals (Credit Union/ The Exchange®) |
$0.75 |
| ATM Interac® Withdrawals (Other FI's) |
$2.00 |
$2.25 |
| ATM Plus® Withdrawals (International) |
$4.00 |
$4.50 |
| HISA - Withdrawal In Branch |
1 Free/mth - $5.00 each |
| HISA - Online/Electronic Transfers |
FREE |
| MemberDirect® - Transfers |
FREE |
| Interac e-Transfer® Fee (Incoming) |
FREE |
| Interac e-Transfer® Fee (Outgoing) |
$1.60 |
| Deactivate Interac Flash® |
$20.00 |
| Deposit Anywhere™ |
FREE |
| TeleService® - Inquiry |
FREE |
| Revenue Canada Taxation, Sales Tax & GST Remittances |
FREE |
| Bill Payment OTC/Other CU Member |
$1.25 |
| Bill Payment TelPay (TeleService®) |
$0.85 |
| Bill Payment MemberDirect® |
$0.85 |
| Bill Payment ATM (From Account) |
$0.85 |
| Bill Payment Tracer |
$15.00 |
| Overdraft Fee Per Item |
$5.00 |
| Charge Back |
$6.00 |
| Stop Payments/Online Partial Detail |
$10.00/$5.00 |
| Transfers Automatic / AFTs |
$0.75 |
| Money Orders Cdn |
$6.00 |
| Money Orders US |
$7.50 |
| Certified Cheques |
$10.00 |
| Cheque Written in Another Currency Than The Account |
$10.00 |
| Cheques Other Than Canadian or American Sent For Collection |
Cost |
| Cash Other Than Canadian or American sent for Collection |
Cost |
| Post-Dated Cheques Held for Deposit |
$5.00 per item |
| Official Cheques |
$10.00 |
| Card Replacements |
$5.00/$15.00 instant |
| Non-Encoded Cheques |
$6.00 |
| In Branch Statement - With Cheques |
$4.00 |
| In Branch Statement - Without Cheques |
$3.00 |
| Mailing Out Statements |
$5.00 |
| Account Closure Admin Fee |
Up to $25.00 |
| Pre-authorized Debits/Direct Deposits (Wrong Account #) |
$5.00 |
| Pre-authorized Debit Form Fill Out |
$5.00 |
| Photocopies |
0.50/page |
| Fax |
min $1.00 / $ 0.50 per page |
| Account Transfers (Non Credit Union) |
$40.00 |
| RRSP/TFSA Transfers (Non Credit Union) |
$40.00 |
N/A |
| Telephone Wire Transfer Funds Incoming/Outgoing (Min $15.00) |
Cost + $15.00 |
| Safety Deposit Box (SDB) Key Replacement |
Cost + $15.00 |
| SDB Drilled |
Cost + door + $30.00 |
| SDB Small |
$45.00 |
| SDB Medium |
$55.00 |
| SDB Large |
$65.00 |
| SDB Ex Large |
$75.00 |
| Retrieval Fees |
|
| Account Research/Voucher Retrieval |
$30.00/hr min $20.00 |
| Telephone call re: NSF Item |
$7.00 |
| Transfer For Funds to Cover NSF Item/Loan Payment |
$7.00 |
| Transfer re: Telephone Request |
$7.00 |
| Account Inquiry re: Telephone |
$2.50 |
| Night Deposit Rental Per Year |
$50.00 |
| With Disposable Bags |
$35.00 + cost of bags |
| Account Closed Within 90 Days |
$25.00 |
| Bank Confirmation/Credit Inquiry |
$25.00 |
| Interest Paid on Loans (Letter/Phone) |
$15.00 |
| Account Balances (Letter/Phone) |
$15.00 |
| Inactive Notices |
$25.00/yr |
| Loan/Line of Credit Adm Fees |
$25.00 |
1% or minimum $75.00 |
| Line of Credit Renewal Fees |
$25.00 |
$50.00 |
| Commercial Annual Review Fee (External) |
N/A |
$250.00 |
| Cancelled Insurance Fee |
$25.00 |
| Loan Payment Extension ( plus Interest) |
$25.00 |
| Loan Payment NSF |
$25.00 |
| Loan Late Payment Fees |
$20.00 |
| Changes to Loan Records |
$5.00 |
| Mortgage Discharge Fee (Including Recording Fee) |
$250.00 |
| Mortgage Discharge (No Recording Fee) |
$75.00 |
| Mortgage Renewal Fee |
$85.00 |
| Mortgage Amendment Fee |
$75.00 |
| Mortgage Transfers (to Another FI) |
$200.00 |
| Drive-by Appraisal |
$100.00 |
| Coin/Cash Orders |
FREE |
| Margining Account |
N/A |
$15.00 |
| Letter of Credit |
N/A |
$350.00 initially /$150.00 per year for renewal |
| Packages - Personal |
|
| YC15 |
$4.50 |
N/A |
| YC15S |
FREE |
N/A |
| YC40 |
$12.50 |
N/A |
| YC40S |
$9.25 |
N/A |
| YC Unl |
$26.00 |
N/A |
| YC Unl S |
$19.50 |
N/A |
| YC E (FREE Interac e-Transfer®) |
$20.00 |
N/A |
| YC E S (FREE Interac e-Transfer®) |
$15.00 |
N/A |
| Non Electronic Transactions Including: In-Branch, Cheques, and Inter-credit Union Services (ICU) |
$1.75 |
N/A |
| Your US$ Chequing |
$2.50 |
N/A |
| Youth 0-18 (Unlimited Transactions) |
FREE |
N/A |
| Youth 19-24 (Unlimited Transactions) |
$3.00 |
N/A |
| Packages - Business |
| Your Business US$ Chequing |
N/A |
$5.50 |
| Your Business 10 |
N/A |
$12.00 |
| Your Business 20 |
N/A |
$18.00 |
| Your Business 20 - Non Profit |
N/A |
FREE |
| Your Business 55 |
N/A |
$35.00 |
| Your Business 55 - Non Profit |
N/A |
$17.00 |
| Your Business 85 |
N/A |
$51.00 |
| Your Business 85 - Non Profit |
N/A |
$33.00 |
| Your Business 125 |
N/A |
$87.00 |
| Your Business 125 Non Profit |
N/A |
$69.00 |
