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Service Charges and Other Fees

Rates effective September 1, 2011 8:00AM and subject to change without notice. Contact your local branch for other services not listed here.

Chequing Service Charges
Personal Account $0.70 each
Over the Counter Withdrawals $0.70 each
MVP $20/mth
Premium Account $12.50/mth, 40 exempt transactions
Business Account $0.70 each
GEM (Golden Established Member) Free with Personalized Cheques
U.S. Dollar Accounts $1.00 per Cheque.
All-in-One Accounts
Personal $0.70 each
Business $0.70 each
Farm $0.70 each
Regular Chequing Accounts $0.70 each
Cool Kids Plan 24 Account (up to age 11) No service charges
HEADSTART® Account (Ages 12-17) No service charges
Student Account (ages 18-25, still in school) No service charges
Overdraft Items $5 each
Items Returned as "NSF" Additional $20 (Total $25)
Manual Cheque Return or cancellation of return (at member's request) $17.50/item
Certified Cheques
First Party $5 each
Third Party $15 each
Money Orders and Drafts
Canadian $4 each
U.S. Drafts $6 each + Exchange
Money Order/Draft Trace $25 each
Wire Transfers
Within Canada - Incoming $5 CAD each
Within Canada - Outgoing $13 CAD each
Incoming Wires via Bank of Nova Scotia $25 CAD each
U.S. Incoming $5 USD each
U.S. Outgoing $15 USD each
Foreign, other than U.S. - Incoming $5 CAD each
Foreign, other than U.S. - Outgoing $25 CAD each
Transfers
In Person $0.70
By Phone $2
By Credit Union Computer $3 per transfer (transfer is in multiples of $100)
ATM/Interac Charges
Austin CU ATM (our members) $0.45 each
Manitoba ATM (our members) $0.45 each
Other Fin. Inst. ATM's (our members) $0.45 each
Global ATM's $5/transaction
MVP, HEADSTART®, Student, Cool Kids No Fees
Interac (Direct Debit) $0.45/transaction
Non-Member using our ATM $1.50/transaction
Utility Payments
In Branch $0.70 each*
Telephone/Internet Banking $0.45 each*
RRSP/RRIF/TFSA
Early Redemption Fee $50 per account
Transfer Out Fee $75 per account
Debit Cards
First Card Free
Replacement within 1 year** $7.50
OTHER
Stop Payments $5 each
Statement of Interest $10 per account
Bank Confirmations $20 per request
Duplicate Official Receipt/T5/T4RSP/T4RIF $5 each
Duplicate Statements $1 each
Appraisal Fees

Actual Cost

Statement Fee $2.50

* Subject to change.
** Unless card is defective

Member Value Package - $20/month
Includes - free personalized cheques, unlimited chequing & debit card/ATM transactions, money orders/drafts, no fee traveler's cheques, half price safey deposit box

Premium Account - $12.50
Includes - 40 exempt transactions from Service Charges

All-in-One Accounts - earn interest on balances over $100, calculated on closing daily balance
Available for personal, farm or commercial accounts

All-in-One Accounts - account service charges waived with daily balance exceeding $10, 000.

Senior's Accounts - designed for our seniors, starting at age 60
Includes - free chequing, ATM/debit card transactions, money orders, half price safety deposit box

Cool Kids Accounts - for children up to age 11 (Trust accounts eligible)
Children can take a toy from the treasure chest with every $20 deposit

HEADSTART(R) Accounts - ideal for kids in the 12-17 age group
Includes - No service charges, unlimited ATM access/debit card use, eligible for term deposits as low as $150, gift upon account opening, birthday surprises, free cheques & chequing

Student Accounts - perfect for the 18-25 age group still attending school
Includes - No service charges, unlimited ATM access/debit card use, free cheques & chequing

CU@HOME Online Banking
Internet bill payment and transfers with 24 hour convenience!
Pay your bills in the privacy of your home!