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) 
$50 2
Garnishment 
$50
Confirmation Letter 
$25


Dishonoured Debit (NSF cheque or eft)

In Canadian funds 
$40
In US funds 
$40 US


Dormant (Inactive) Account

If re-activated within 60 days of notice 
No charge
At 2 years of inactivity 3 
$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
Member Direct® Me-to-Me - Send or receive
Free


MONTHLY STATEMENT FEE

Printed and mailed or a soft copy
Free


RECORDS SEARCH

Under 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.