Transaction Fees

Service Charges - effective July 1, 2016 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
Global Payment™ Mastercard® Transaction $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® Online Transaction $0.75
Interac Flash® $0.75
Global Payment™ Mastercard® Transaction $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
Travellers Cheques 1.25%
Card Replacements $5.00/$15.00 instant
Non-Encoded Cheques $6.00
Choice Rewards® $24.00 N/A
In Branch Statement - With Cheques $4.00
In Branch Statement - Without Cheques $3.00
Mailing Out Statements $5.00
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
LOC 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
 

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