| |
Chequing
| Savings | Electronic
Accounts | Youth Accounts | Convenience
Services | Other Fees & Charges |
Investments | Lending
*All
Service Charges and Fees Listed Here are Effective January 1,
2004.*
Chequing
Accounts
Standard
Chequing | Regular Flat Rate | Premium
Flat Rate | Other Fees
Standard Chequing Account
|
| Charge per Debit Item |
$0.60 |
| MasterCard Global Payment Card
(Debit Transaction) |
$0.50 |
| Direct Payment Transactions |
$0.45 |
| Personalized Cheques |
Cost |
| Business Cheques |
Cost |
| Encoded Counter Cheques |
$0.40 |
| Cheque Certification
 Member
Payee |
$ 4.00
$ 9.00
|
| Monthly Statements |
$0.75 |
| ATM Transactions |
|
 |
|
Service
Charges Applicable to both Standard and Flat Fee Chequing
Accounts |
| In-Person Transfer |
$0.50 |
| Telephone Transfer |
$3.00 |
| Automatic Transfer to Cover Overdraft in PCA |
$3.00 |
| Manual Transfer to Cover Overdraft in PCA |
$3.50 |
| PCA Overdraft Accommodation Fee (per cheque paid) |
$7.50 |
| NSF (per item) |
$22.00 |
| Chargebacks (items returned to us) |
$7.00 |
| Dishonoured Item (item returned by us) (EFT and paper entries) |
$4.00 |
| Stop Payments
Taking
Order
Subsequent
Cheque (same order)
Returning
Item |
6.00
$3.50
$4.00
|
| Processing Foreign Cheques (U.S.A. on Canadian Account) |
$4.25 |
| Unqualified Clearing Item (not encoded) |
$4.00 |
| Unauthorized MasterCard II Overdraft |
$22.00 |
Savings
Accounts
Plan
24 | Red Flame Savings | U.S.
Account
Plan
24 Savings Account |
| Charge per EFT Debit |
$0.60 |
| Counter Withdrawals |
5
free/Month |
| In-Person Transfer |
$0.50 |
| Telephone Transfer |
$
3.00 |
| Manual Transfer to Cover O/D |
$
3.50 |
| Charge Backs (item returned to us) |
$
7.00 |
| ATM |
|
Red
Flame Savings |
| Charge per EFT Debit |
$0.60 |
| Counter Withdrawals |
5
free/Month |
| In-Person Transfer |
$0.50 |
| Telephone Transfer |
$
3.00 |
| Manual Transfer to Cover O/D |
$
3.50 |
| Charge Backs (item returned to us) |
$
7.00 |
US
Accounts (US Funds) |
| Account Fee (per month) |
$2.00 |
| Debit Items |
$0.60 |
| Stop Payments |
$15.00 |
| Returned Items |
$20.00 |
| Traces |
$22.00 |
| Unpaid Item |
$5.00 |
| Personalized Cheques |
cost |
Electronic
Accounts
Standard
Electronic Banking Account | Premium
Electronic Banking Account
Youth
Accounts
Fat
Cat® Account | HeadStart® Account
Fat
Cat® Account |
| No
Service Charges |
HeadStart® Account |
| Cheque / Debits |
4 Free
$0.30 thereafter |
| Direct Payment Transactions |
4 Free
$0.45 thereafter |
| ATM Transactions
Deposits
Withdrawals
Inquiries
|
Free
4 Free
2 Free
Standard Rates Apply Thereafter ( See Below) |
Convenience
Services
MasterCard
Payment Card | MemberCard
Debit Card | ATM Service | Remote
Banking
MasterCard®
Global Payment Card |
| Transaction Fee |
$0.50 |
| Lost Cards
Single
Joint |
$2.00
$3.00
|
| ATM Fees |
|
| RUSH Card Order (member request only) |
$15.00 |
MemberCard
Debit Card |
| Lost Cards
Single
Joint |
$2.00
$3.00
|
| Transaction Fee |
$0.45 |
Automated
Teller Machine Service |
| CU ATM and Alberta Treasury Branches (ARN):
Withdrawal
Transfer
Inquiries
Deposits |
$1.10
$0.65
$0.60
$1.00
|
| INTERAC:
Withdrawal |
$1.10
|
| Credit Union (out of province):
Withdrawal
Inquiries
Transfers |
$1.10
$0.75
$0.75
|
CIRRUS (USA):
Withdrawal
Inquiries |
$2.00
$1.25
|
| CIRRUS (non-U.S.A.):
Withdrawal
Inquiries
|
$4.00
$2.00
|
Remote
Banking (TeleService®, Bill Payment, Cuanytime®) |
| Account Balances |
$0.25 |
| Transaction Information/List |
$0.25 |
| Transfer Funds Between Accounts |
$0.25 |
| Make a Loan Payment |
No Charge |
| General Information on Interest Rates and Office Hours |
No Charge |
| Bill Payment (per item) |
$0.75 |
| View Cheque |
$0.10 |
Other
Service Fees & Charges
Miscellaneous
| Statements | Safety
Deposit Boxes
Miscellaneous
Services |
| Money Orders
Canadian
US |
$3.50
$4.00
|
| Travellers Cheques Commission
Canadian
US |
1%
1%
|
| Foreign Currency Drafts |
$6.50 |
| US Draft |
$6.50 |
| Utility Bill Payment (Telephone Bills, Atco, City, Cable,
Epcor) |
$1.25 |
| Credit Card Bills (Gas and Bank Cards) |
$1.50 |
| Hold Funds (Members) |
$3.00 |
| Wire Funds (to Alberta Credit Union) |
Cost + $6.00 |
| Manager’s Trust Account Cheques (except loans) |
$3.50 |
| Photocopies (per item) |
$0.30 |
| FAX - Local Only (per sheet) |
$0.50 |
| Postdated Cheques (except loan payments) |
$1.00 |
| Certificate of Deposit Balance/Interest Paid |
$8.00 |
| Closing Account Within First Three (3) Months |
$12.00 |
| Inactive Account Search Fee (2nd & 5th anniversary) |
$18.00 |
| Bank/Audit Confirmation |
$15.00 |
| Third Party Demand |
$15.00 |
| BOA to Other Institution |
$9.00 |
Statement
Services |
| Duplicate Statement (trace and copy) |
$3.50 |
| Interim Statement |
$2.50 |
| Monthly Statements (PCA) |
$0.75 |
| Quarterly Statements (savings, terms, RRSP) |
$0.75 |
Safety
Deposit Boxes (per annum) plus G.S.T. |
| 1.5" x 5" |
$34.00 |
| 2.5" x 5" |
$42.00 |
| 3.25" x 5" |
$48.00 |
| 5" x 5" |
$65.00 |
| 2.5" x 10" |
$65.00 |
| 5" x 10" |
$110.00 |
| 10" x 10" |
$210.00 |
Investment
Services
RRSP
Service Charges |
| Transfer Out to Other Institution |
$50.00 |
Lending
Services
Mortgages
| Loan Services
Mortgages |
| Mortgage Application Fee |
cost |
| Mortgage Renewal Fee |
No Charge |
| Mortgage Transfer-In Fee |
No Charge |
| Property Inspections (CU) |
$50.00 |
| Mortgage Transfer-Out Fee (request for documentation to
assign mortgage to another financial institution) |
$80.00 |
| Mortgage and Caveat Discharges |
No Charge |
Loan
Services |
| Security Documents
Registration
Fee
Renewal
Fee
Lien Search |
$2.00/yr.
$2.00/yr.
$3.00
|
| Application Fee (Single Payment Loans) |
$25.00 |
| Interim Financing (Plus Interest - CUP + 3%) |
$170.00 |
| Loan Extension / Alteration |
$25.00 |
| Delinquent Payment Notices / Letters |
$10.00 |
|
|
8
Free Withdrawals/Month