| Personal | Business | |
| Cash Withdrawals (OTC/ICU) | $1.00 | $1.00 |
| # Free Per Month | 2 free | 0 |
| Cheques on Savings | $6.00 | $6.00 |
| Debit Card Transaction (Direct Payment) | $0.80 | $0.80 |
| Preauthorized Debits on Savings | $1.00 | $1.00 |
| Interac Flash® | $0.80 | $0.80 |
| Monthly Maintenance Fee | FREE | FREE |
| Direct Deposit | FREE | $0.30 |
Service Charges & Fees
Keeping you informed on what you'll pay for, and what you won't.
Savings Accounts
Chequing Accounts
| Personal | Business | |
| Cash Withdrawals (OTC/ICU) | $1.00 | $1.00 |
| Cheque Withdrawals | $0.90 | $1.00 |
| Preauthorized Debits | $0.75 | $0.75 |
| Debit Card transaction (Direct Payment) | $0.75 | $0.75 |
| Crossborder Debit Card Transaction | $0.75 | $0.75 |
| Interac Flash® | $0.75 | $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 | $45.00 |
Miscellaneous
| Personal | Business | |
| ATM Withdrawals (Credit Union/ The Exchange®) | $0.75 | $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 | 1 Free/mth - $5.00 each |
| HISA - Online/Electronic Transfers | FREE | FREE |
| MemberDirect® - Transfers | FREE | FREE |
| Interac e-Transfer® Fee (Incoming) | FREE | FREE |
| Interac e-Transfer® Fee (Outgoing) | $1.60 | $1.60 |
| Deactivate Interac Flash® | $20.00 | $20.00 |
| Deposit Anywhere™ | FREE | FREE |
| TeleService® - Inquiry | FREE | FREE |
| Revenue Canada Taxation, Sales Tax & GST Remittances | FREE | FREE |
| Bill Payment OTC/Other CU Member | $1.25 | $1.25 |
| Bill Payment TelPay (TeleService®) | $0.85 | $0.85 |
| Bill Payment MemberDirect® | $0.85 | $0.85 |
| Bill Payment ATM (From Account) | $0.85 | $0.85 |
| Bill Payment Tracer | $20.00 | $20.00 |
| Overdraft Fee Per Item | $5.00 | $5.00 |
| Charge Back | $6.00 | $6.00 |
| Stop Payments/Online Partial Detail | $10.00/$5.00 | $10.00/$5.00 |
| Transfers Automatic / AFTs | $0.75 | $0.75 |
| Money Orders Cdn (At posting) | $6.00 | $6.00 |
| Money Orders US (At posting) | $7.50 | $7.50 |
| Certified Cheques (At month end) | $10.00 | $10.00 |
| Cheque Written in Another Currency Than The Account | $10.00 | $10.00 |
| Cheques Other Than Canadian or American Sent For Collection | Cost | Cost |
| Cash Other Than Canadian or American sent for Collection | Cost | Cost |
| Post-Dated Cheques Held for Deposit | $5.00 per item | $5.00 per item |
| Official Cheques (At posting) | $10.00 | $10.00 |
| Card Replacements | $5.00/$15.00 instant | $5.00/$15.00 instant |
| Non-Encoded Cheques | $6.00 | $6.00 |
| In Branch Statement - With Cheques | $4.00 | $4.00 |
| In Branch Statement - Without Cheques | $3.00 | $3.00 |
| Mailing Out Statements | $5.00 | $5.00 |
| Account Closure Admin Fee | Up to $25.00 | Up to $25.00 |
| Pre-authorized Debits/Direct Deposits (Wrong Account #) | $5.00 | $5.00 |
| Pre-authorized Debit Form Fill Out | $5.00 | $5.00 |
| Photocopies | 0.50/page | 0.50/page |
| Fax | min $1.00 / $ 0.50 per page | min $1.00 / $ 0.50 per page |
| Account Transfers (Non Credit Union) | $40.00 | $40.00 |
| RRSP/TFSA Transfers (Non Credit Union) | $40.00 | N/A |
| Telephone Wire Transfer Funds Incoming/Outgoing (Min $15.00) | Cost + $15.00 | Cost + $15.00 |
| Safety Deposit Box (SDB) Key Replacement | Cost + $15.00 | Cost + $15.00 |
| SDB Drilled | Cost + door + $30.00 | Cost + door + $30.00 |
| SDB Small | $45.00 | $45.00 |
| SDB Medium | $55.00 | $55.00 |
| SDB Large | $65.00 | $65.00 |
| SDB Ex Large | $75.00 | $75.00 |
Retrieval Fees
| Personal | Business | |
| Account Research/Voucher Retrieval | $30.00/hr min $20.00 | $30.00/hr min $20.00 |
| Telephone call re: NSF Item | $7.00 | $7.00 |
| Transfer For Funds to Cover NSF Item/Loan Payment | $7.00 | $7.00 |
| Transfer re: Telephone Request | $7.00 | $7.00 |
| Account Inquiry re: Telephone | $2.50 | $2.50 |
| Night Deposit Rental Per Year | $50.00 | $50.00 |
| With Disposable Bags | $35.00 + cost of bags | $35.00 + cost of bags |
| Account Closed Within 90 Days | $25.00 | $25.00 |
| Bank Confirmation/Credit Inquiry | $25.00 | $25.00 |
| Interest Paid on Loans (Letter/Phone) | $15.00 | $15.00 |
| Account Balances (Letter/Phone) | $15.00 | $15.00 |
| Inactive Notices | $25.00/yr | $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 | $25.00 |
| Loan Payment Extension ( plus Interest) | $25.00 | $25.00 |
| Loan Payment NSF | $25.00 | $25.00 |
| Loan Late Payment Fees | $20.00 | $20.00 |
| Changes to Loan Records | $5.00 | $5.00 |
| Mortgage Discharge Fee (Including Recording Fee) | $250.00 | $250.00 |
| Mortgage Discharge (No Recording Fee) | $75.00 | $75.00 |
| Mortgage Renewal Fee | $85.00 | $85.00 |
| Mortgage Amendment Fee | $75.00 | $75.00 |
| Mortgage Transfers (to Another FI) | $200.00 | $200.00 |
| Drive-by Appraisal | $100.00 | $100.00 |
| Coin/Cash Orders | FREE | FREE |
| Margining Account | N/A | $15.00 |
| Letter of Credit | N/A | $350.00 initially /$150.00 per year for renewal |
Personal Chequing Packages
| Your Chequing 15 | $4.50 |
| Your Chequing 15 Senior | FREE |
| Your Chequing 40 | $12.50 |
| Your Chequing 40 Senior | $9.25 |
| Your Chequing Unlimited | $26.00 |
| Your Chequing Unlimited Senior | $19.50 |
| Your Chequing Electronic (FREE Interac e-Transfer®) | $20.00 |
| Your Chequing Electronic Senior (FREE Interac e-Transfer®) | $15.00 |
| Non Electronic Transactions Including: In-Branch, Cheques, and Inter-credit Union Services (ICU) | $1.75 |
| Your US Chequing | $2.50 |
| Youth 0-18 (Unlimited Transactions) | FREE |
| Youth 19-24 (Unlimited Transactions) | $3.00 |
Business Chequing Packages
| Your Business US Chequing | $5.50 |
| Your Business 10 | $12.00 |
| Your Business 20 | $18.00 |
| Your Business 20 - Non Profit | FREE |
| Your Business 55 | $35.00 |
| Your Business 55 - Non Profit | $17.00 |
| Your Business 85 | $51.00 |
| Your Business 85 - Non Profit | $33.00 |
| Your Business 125 | $87.00 |
| Your Business 125 Non Profit | $69.00 |
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Guide to saving & investing
Want to learn more about investing? Wish you could save more and spend less? This guide has you covered.
Building healthy financial habits
Healthy habits aren't just for your lifestyle. Here's how to ensure future you (and current you) are set up for success.
Terms and conditions
Interac® is a registered trademark owned by Interac Inc. and is used under license.
EXCHANGE® is a registered trademark owned by FICANEX® and is used under license.
ICU® is a registered certification mark owned by Credit Union Central of Canada, used under license.
TeleService® is registered trademark owned by Credit Union Central of Canada, used under license.
EXCHANGE® is a registered trademark owned by FICANEX® and is used under license.
ICU® is a registered certification mark owned by Credit Union Central of Canada, used under license.
TeleService® is registered trademark owned by Credit Union Central of Canada, used under license.
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Acadian Credit Union limited/ Caisse Populaire Acadienne Limitée. All rights reserved. Mortgage license #3000014
Acadian Credit Union limited/ Caisse Populaire Acadienne Limitée. All rights reserved. Mortgage license #3000014
