Fees
Chequing | Savings | Electronic Accounts | Youth Accounts | Convenience ServicesOther Fees & Charges | Investments | Lending
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 | Specified Fees Apply |
| Personal Chequing (Regular Flat Rate) - Flat Fee: $11.00 per Month |
|
| Personal Chequing (Premium Flat Rate) - Flat Fee: $18.00 per Month |
|
| 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 | U.S. Account| Plan 24 | |
| 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 | Specified Fees Apply |
| 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| Standard Electronic Banking Account - Flat Fee: $10.00 per Month |
|
| Premium Electronic Banking Account - Flat Fee: $12.00 per Month |
|
Youth Accounts
FatCat® | HeadStart®| FatCat® Account |
|
| 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 | (See Below) |
| RUSH Card Order (member request only) | $15.00 |
| MemberCard Debit Card | |
| Transaction Fee | $0.45 |
|
Lost Cards • Single • Joint |
$2.00 $3.00 |
| 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 • Transfer • Inquiries |
$1.10 $0.75 $0.75 |
|
CIRRUS (USA): • Withdrawal • Inquiries |
$2.00 $1.25 |
|
CIRRUS (non-USA): • Withdrawal • Inquiries |
$4.00 $2.00 |
| Remote Banking (Bill Payment, MemberDirect®) | |
| 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 |