Accounts

HeadStart® Chequing Expand/Collapse

Ages 13-18. At Age 19 this account changes to a Young Adult eChequing.

Cheque Clearing $0.65
Withdrawal/Transfer - in branch $0.65
Member to Member Transfer - in branch $0.65
Bill Payment - in branch $1.50
Phone-in Transfer/Account History* $2.00
Interac® Point of Sale Payment FREE
Bill payment - Telephone or Internet FREE
Pre-Authorized Transaction FREE
ATM Withdrawal/Transfer at any CU in Canada FREE
ATM Withdrawal at any non-CU in Canada $1.50
ATM Withdrawal in U.S. $3.50
ATM International Withdrawal $3.50
Interac® e-Transfer* $1.50
Transfer - Internet FREE
Member to Member Transfer - Internet FREE
*Plus regular fee

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Student eChequing Expand/Collapse

Ages 19-24. Must be a student. At age 25 or post-graduate, this account changes to an eChequing.

First 40 Transactions Included:

Interac® Point of Sale Payment $0.55
Bill payment - Telephone or Internet  $0.55
Pre-Authorized Transaction  $0.55
ATM Withdrawal/Transfer at any CU in Canada $0.55

Additional Charges:

Cheque Clearing $0.65
Withdrawal/Transfer - in branch $0.65
Member to Member Transfer - in branch $0.65
Bill Payment - in branch $1.50
Phone-in Transfer/Account History* $2.00
ATM Withdrawal at any non-CU in Canada $1.50
ATM Withdrawal in U.S. $3.50
ATM International Withdrawal $3.50
Interac® e-Transfer* $1.50
Transfer - Internet FREE
Member to Member Transfer - Internet FREE

*Plus regular fee

Young Adult eChequing Expand/Collapse

$5 monthly. Ages 19-24. At Age 25 this account changes to an eChequing.

First 40 Transactions Included:

Interac® Point of Sale Payment $0.55
Bill payment - Telephone or Internet  $0.55
Pre-Authorized Transaction  $0.55
ATM Withdrawal/Transfer at any CU in Canada $0.55

Additional Charges:

Cheque Clearing $0.65
Withdrawal/Transfer - in branch $0.65
Member to Member Transfer - in branch $0.65
Bill Payment - in branch $1.50
Phone-in Transfer/Account History* $2.00
ATM Withdrawal at any non-CU in Canada $1.50
ATM Withdrawal in U.S. $3.50
ATM International Withdrawal $3.50
Interac® e-Transfer* $1.50
Transfer - Internet FREE
Member to Member Transfer - Internet FREE

*Plus regular fee

Regular Chequing Expand/Collapse

First $10 in fees waived with minimum $1,000 monthly balance.

Cheque Clearing $0.65
Withdrawal/Transfer - in branch $0.65
Member to Member Transfer - in branch $0.65
Bill Payment - in branch $1.50
Phone-in Transfer/Account History* $2.00
Interac® Point of Sale Payment $0.55
Bill payment - Telephone or Internet $0.55
Pre-Authorized Transaction $0.55
ATM Withdrawal/Transfer at any CU in Canada $0.55
ATM Withdrawal at any non-CU in Canada $1.50
ATM Withdrawal in U.S. $3.50
ATM International Withdrawal $3.50
Interac® e-Transfer* $1.50
Transfer - Internet FREE
Member to Member Transfer - Internet FREE
*Plus regular fee

eChequing Expand/Collapse

$8 Monthly.

First 35 Transactions Included:
Interac® Point of Sale Payment $0.55
Bill payment - Telephone or Internet  $0.55
Pre-Authorized Transaction  $0.55
ATM Withdrawal/Transfer at any CU in Canada $0.55

Additional Charges:

Cheque Clearing $0.65
Withdrawal/Transfer - in branch $0.65
Member to Member Transfer - in branch $0.65
Bill Payment - in branch $1.50
Phone-in Transfer/Account History* $2.00
ATM Withdrawal at any non-CU in Canada $1.50
ATM Withdrawal in U.S. $3.50
ATM International Withdrawal $3.50
Interac® e-Transfer* $1.50
Transfer - Internet FREE
Member to Member Transfer - Internet FREE

*Plus regular fee

Advantage Chequing Expand/Collapse

$15 monthly. Includes $5 off safety deposit box rental annual fee.

Cheque Orders FREE
Cheque Clearing FREE
Withdrawal/Transfer - in branch FREE
Member to Member Transfer - in branch FREE
Bill Payment - in branch $1.50
Phone-in Transfer/Account History* $2.00
Interac® Point of Sale Payment FREE
Bill payment - Telephone or Internet FREE
Pre-Authorized Transaction FREE
ATM Withdrawal/Transfer at any CU in Canada FREE
ATM Withdrawal at any non-CU in Canada $1.50
ATM Withdrawal in U.S. $3.50
ATM International Withdrawal $3.50
Interac® e-Transfer* $1.50
Transfer - Internet FREE
Member to Member Transfer - Internet FREE
*Plus regular fee

Optimum Chequing Expand/Collapse

$21 monthly. Includes $25 off safety deposit box rental annual fee.

Cheque Orders FREE
Cheque Clearing FREE
Withdrawal/Transfer - in branch FREE
Member to Member Transfer - in branch FREE
Bill Payment - in branch $1.50
Phone-in Transfer/Account History* $2.00
Interac® Point of Sale Payment FREE
Bill payment - Telephone or Internet FREE
Pre-Authorized Transaction FREE
ATM Withdrawal/Transfer at any CU in Canada FREE
ATM Withdrawal at any non-CU in Canada FREE
ATM Withdrawal in U.S. $3.50
ATM International Withdrawal $3.50
Interac® e-Transfer* $1.50
Transfer - Internet FREE
Member to Member Transfer - Internet FREE
Specific Stop Payment FREE
Certified Cheque FREE
Draft/Money Order FREE

*Plus regular fee

Golden Chequing Expand/Collapse

Ages 60+. Includes $5 off safety deposit box rental annual fee.

Cheque Orders FREE
Cheque Clearing FREE
Withdrawal/Transfer - in branch FREE
Member to Member Transfer - in branch FREE
Bill Payment - in branch FREE
Phone-in Transfer/Account History* FREE
Interac® Point of Sale Payment FREE
Bill payment - Telephone or Internet FREE
Pre-Authorized Transaction FREE
ATM Withdrawal/Transfer at any CU in Canada FREE
ATM Withdrawal at any non-CU in Canada $1.50
ATM Withdrawal in U.S. $3.50
ATM International Withdrawal $3.50
Interac® e-Transfer* $1.50
Transfer - Internet FREE
Member to Member Transfer - Internet FREE
Money Order FREE

U.S. Dollar Chequing Expand/Collapse


Cheque Clearing $1.50
Withdrawal/Transfer - in branch $1.50
Member to Member Transfer - in branch $1.50
Phone-in Transfer/Account History* $2.00
*Plus regular fee

Fat Cat® Savings Expand/Collapse

Ages up to 13. At age 13 this account changes to a Plan 24® Savings.
Interest calculated on daily balance, paid monthly.

Withdrawal/Transfer - in branch FREE
Member to Member Transfer - in branch FREE
Bill Payment - in branch $1.50
Phone-in Transfer/Account History* $2.00
Interac® Point of Sale Payment FREE
Bill payment - Telephone or Internet $1.00
Pre-Authorized Transaction $1.00
ATM Withdrawal/Transfer at any CU in Canada FREE
ATM Withdrawal at any non-CU in Canada $1.50
ATM Withdrawal in U.S. $3.50
ATM International Withdrawal $3.50
Interac® e-Transfer* $1.50
Transfer - Internet FREE
Member to Member Transfer - Internet FREE

*Plus regular fee

Plan 24® Savings Expand/Collapse

Interest calculated on daily balance, paid monthly.

Withdrawal/Transfer - in branch $0.65
Member to Member Transfer - in branch $0.65
Bill Payment - in branch $1.50
Phone-in Transfer/Account History* $2.00
Interac® Point of Sale Payment $0.55
Bill payment - Telephone or Internet $0.55
Pre-Authorized Transaction $1.00
ATM Withdrawal/Transfer at any CU in Canada $0.55
ATM Withdrawal at any non-CU in Canada $1.50
ATM Withdrawal in U.S. $3.50
ATM International Withdrawal $3.50
Interac® e-Transfer* $1.50
Transfer - Internet FREE
Member to Member Transfer - Internet FREE
*Plus regular fee

Golden Plan 24® Savings Expand/Collapse

Ages 60+. Interest calculated on daily balance, paid monthly.

Withdrawal/Transfer - in branch FREE
Member to Member Transfer - in branch FREE
Bill Payment - in branch $1.50
Phone-in Transfer/Account History* FREE
Interac® Point of Sale Payment $0.55
Bill payment - Telephone or Internet $0.55
Pre-Authorized Transaction $1.00
ATM Withdrawal/Transfer at any CU in Canada $0.55
ATM Withdrawal at any non-CU in Canada $1.50
ATM Withdrawal in U.S. $3.50
ATM International Withdrawal $3.50
Interac® e-Transfer* $1.50
Transfer - Internet FREE
Member to Member Transfer - Internet FREE
*Plus regular fee

Regular Savings Expand/Collapse

Interest calculated on min. monthly balance, paid annually.

Withdrawal/Transfer - in branch $1.00
Member to Member Transfer - in branch $1.00
Bill Payment - in branch $1.50
Phone-in Transfer/Account History* $2.00
Interac® Point of Sale Payment $1.00
Bill payment - Telephone or Internet $1.00
Pre-Authorized Transaction $1.00
ATM Withdrawal/Transfer at any CU in Canada $1.00
ATM Withdrawal at any non-CU in Canada $1.50
ATM Withdrawal in U.S. $3.50
ATM International Withdrawal $3.50
Interac® e-Transfer* $1.50
Transfer - Internet FREE
Member to Member Transfer - Internet FREE

*Plus regular fee

Golden Regular Savings Expand/Collapse

Ages 60+. Interest calculated on min. monthly balance, paid annually.

Withdrawal/Transfer - in branch FREE
Member to Member Transfer - in branch FREE
Bill Payment - in branch $1.50
Phone-in Transfer/Account History* FREE
Interac® Point of Sale Payment $0.55
Bill payment - Telephone or Internet $1.00
Pre-Authorized Transaction $1.00
ATM Withdrawal/Transfer at any CU in Canada $1.00
ATM Withdrawal at any non-CU in Canada $1.50
ATM Withdrawal in U.S. $3.50
ATM International Withdrawal $3.50
Interac® e-Transfer* $1.50
Transfer - Internet FREE
Member to Member Transfer - Internet FREE
*Plus regular fee

U.S. Dollar Plan 24® Savings Expand/Collapse

Interest calculated on daily balance, paid monthly.

Withdrawal/Transfer - in branch $1.50
Member to Member Transfer - in branch $1.50
Phone-in Transfer/Account History* $2.00
*Plus regular fee

Service Fees Expand/Collapse

Cheque Orders See Branch
Specific Stop Payment $10.00
Certified Cheque                                                                $10.00
Certified Cheque: non-member $20.00
Draft/Money Order $10.00
Draft/Money Order: non-member $20.00
Official Cheque $10.00
Debit Card Replacement $10.00
Bill Payment: non-member $3.00
Post-Dated Items $2.00
NSF Return Charge $45.00
Cheque Cashing: non-member $20.00
Coin Handling (if rolled): member FREE
Coin Handling (not rolled): member 3% of total
Coin Handling: non-member (min. charge of $5.00) 5% of total
Fax/Photocopies $1.00/page
Fax/Photocopies: non-member $2.00/page
Cheque Copies $1.00/item
Duplicate Statement  $2.00/statement
Foreign Currency: non-member (limit of $200.00) $10.00
Estate processing Fee $75.00
*Trade-mark of Interac® Inc. Used under license.