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 |
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 |
ATM / Debit Terminal Transactions
Transactions at our ATM
| Transfer out | $25 |
| Closure, if less than 3 months | $25 |
Transactions on ACCULINK® or THE EXCHANGE® Networks5, 6
| Deposit | Free |
| Withdrawal | Free |
| Interac® withdrawals at ATMs outside of these two networks7 | $1.50 |
| Cirrus® withdrawal at any international ATM | $3.00 |
| Direct (Point-of-sale) payment - Applies to legacy accounts | $0.60 |
- 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.
- A cost for registered mail will be added to this collection fee.
- A standard fee of $25 will be charged to the account for every two years of inactivity until the account is reactivated.
- This fee will not exceed a maximum of €100.
- No surcharge fees will apply to transactions made by credit union members banking on ACCULINK or THE EXCHANGE networks.
- THE EXCHANGE® is a registered trademarked licensed for use in Canada by Ficanex Service Limited Partnership.
- 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.
