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Service Charges and Other Fees

Rates effective 5/25/2006 8:00AM and subject to change without notice. Contact your local branch for other services not listed here.

Chequing Service Charges
Personal Account $0.50 each, Max. $15/mth
MVP $20/mth
Premium Account $12.50/mth, no fee with $3,000 min. bal.
Business Account $0.50 each, Max. $75/mth
GEM (Golden Established Member) Free with Personalized Cheques
U.S. Dollar Accounts $1.00 per Cheque. Deposits no charge.
All-in-One Accounts
Personal $0.50 each, Max S/C $20, no fees on balance over $10,000
Business $0.50 each, Max S/C $75, no fees on balance over $10,000
Farm $0.50 each, Max S/C $20, no fees on balance over $10,000
Regular Chequing Accounts One free cheque per $500 Minimum Balance
Cool Kids Plan 24 Account (up to age 11) no fees
HEADSTART® Account (Ages 12-17) no fees
Student Account (ages 18-25, still in school) no fees
Overdraft Items $5 each
Items Returned as "NSF" Additional $20 (Total $25)
Manual Cheque Return or cancellation of return (at member's request) $18.00/item
Certified Cheques
First Party $4 each
Third Party $12 each
Money Orders and Drafts
Canadian $4 each
U.S. Drafts up to $1000 $4 each + Exchange
U.S. Drafts over $1000 $6 each + Exchange
Money Order/Draft Trace $20 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 No Fee
By Phone $2
By Credit Union Computer $3 per transfer (transfer is in multiples of $100)
ATM/Interac Charges
Austin Credit Union ATM No charge
Manitoba ATM No charge
Other Fin. Inst. ATM's No charge
Global ATM's $5/transaction
MVP, HEADSTART®, Student, Cool Kids No Fees
Interac (Direct Debit) $0.25/transaction
Non-Member using our ATM $1.50
Utility Payments
Telpay (across the counter) $0.50 each
Telephone/Internet Banking Free*
RRSP
Early Redemption Fee $25 per account
Transfer Out Fee $25 per account
Debit Cards
First Card Free
Replacement within 1 year** $5
OTHER
Stop Payments $5 each
Statement of Interest $10 per account
Bank Confirmations $20 per request
Duplicate Official Receipt/T5 $5 each
Duplicate Statements $1 each
Appraisal Fees Actual Cost

* 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/month or no fee if $3,000 minimum balance is maintained
Includes - debit card/ATM transactions, 10 free cheques per month

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

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 12-18 age group
Includes - no fees, 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 19-25 age group still attending school
Includes - No fees, unlimited ATM access/debit card use, free cheques & chequing

CU@HOME Online Banking
Internet bill payment and transfers with 24 hour convenience and no fees!
Pay your bills for free in the privacy of your home!