Account Services and Related Fees¹

Account Closure
Transfer out	$25
Closure, if less than 3 months	$25

Bill Payment
Online	Free
In branch	$1 per bill

Certified Cheques
For Member	$7
For Non-Member	$15
Chargeback items	$10

Cheque Image Retrieval
Within 90 days	Free
After 90 days	$5 per item

Collection Items
Third-party collection of cheque (Domestic)	$25
Third-party collection of cheque (International)	$50²
Garnishment	$50
Confirmation Letter	$25

Dishonoured Debit (NSF cheque or eft)
In Canadian funds	$45
In US funds	$45 US

Dormant (Inactive) Account
If re-activated within 60 days of notice	No charge
At 2 years of inactivity³	$25

Drafts
In Canadian dollars	$7
In euros	€ 15
In euros - Request for refund	€ 15
In US dollars	$10 US

ELECTRONIC MONEY TRANSFERS (EFTs)
Interac e-Transfer^®: Receive funds (Credit)	Free
Interac e-Transfer^®: Send through Perfetto.^® account (Debit)	Free
Interac e-Transfer^® : Send through a legacy account (Debit)	$1.50 each
Me-to-Me: Send or receive	Free

MONTHLY STATEMENT
Print or soft copy. Current month only.	Free

RECORDS SEARCH
Within 90 days	Free
More than 90 days	$25/hour + storage company fee

STOP PAYMENT ORDER
Full details provided	$10
Partial details provided	$20
For euro and US drafts, full details provided	$25

TRANSFER OUTS
RRIF accounts	$50 per deposit
RRSP accounts	$50 per deposit
TFSA accounts	$50 per deposit

WIRES
Incoming in Canadian dollars	$15
Incoming in euros	€ 20
Incoming in euros, when more than €50,000	0.15% ⁴
Incoming in US dollars	$15 US
Outgoing in Canadian dollars	$30
Outgoing in euros	€ 30
Outgoing in US dollars	$30 US
Investigation fee for non-credit union error	$30

UNAUTHORIZED OVERDRAFT
Unauthorized overdraft	$5 per item + 21% interest

ATM / Debit Terminal Transactions

transactions at our ATM
Deposit	Free
Withdrawal	Free
Transfer	Free

Transactions⁵ on ACCULINK® or EXCHANGE®⁶ networks
Deposit	Free
Withdrawal	Free

Interac^® withdrawals at ATMs outside of these two networks ⁷

$1.50

Cirrus^® withdrawal at any international ATM

$3.00

Direct (Point-of-sale) payment - Applies to legacy accounts

$0.60

¹ All fees are quoted in Canadian dollars unless otherwise noted. Except for those fees listed under “Transfer Outs”, all fees apply to personal and business accounts.

² A cost for registered mail will be added to this collection fee.

³ A standard fee of $25 will be charged to the account for every two years of inactivity until the account is reactivated.

⁴ This fee will not exceed a maximum of €100.

⁵ No surcharge fees will apply to transactions made by credit union members banking on ACCULINK or THE EXCHANGE networks.

⁶ THE EXCHANGE® is a registered trademarked licensed for use in Canada by Ficanex Service Limited Partnership.

⁷ Fee applies when transacting on an ATM outside the ACCULINK or THE EXCHANGE networks. Please note that a surcharge may still be levied by the financial institution that owns the ATM.