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Personal Banking Administrative Fees

Rates as of May 19, 2020

CLEARING CHARGES

Chargebacks to members’ accounts

$10

Overdrawn account fee

$25

Cheque/AFT returned NSF

$40

Cheque/AFT drawn on non-chequing account

$10

Unqualified item

$10

Payroll deposit/EFT/AFT

Free

AFT/EFT tracing

$25/item

Cheque clearing

Free

Cheque deposits

Free

Overdraft item handling

$10/item
plus interest

ATM NETWORK CHARGES

BCU ATM

Free

Exchange Network ATM

Free

Non-Exchange Network ATM

$1 plus ATM surcharge

Plus System

$5 plus ATM
surcharge

POS

$0.25

ABM trace

Free

Member Card replacement

$5

ACCOUNT TRANSACTION

Certified cheques:

Members/personal

Free

Third Party

$25

Official/corporate cheques

$5 CAD/
$5 USD

Stop payments – complete details

$5 if cheque clears

Stop payments – partial details

$15, then another $5 if cheque clears

In branch utility bill payments

Free

Telephone transfers

Free

Transfers to cover draft

Free

Cheque orders:

Personalized

Free

Counter cheques new accounts

Free

Items received & sent on collection – incoming/outgoing Canada

$25

Items received or sent on collection – outgoing outside Canada

$40

Post-dated items

Free

Cheques deposited in the wrong currency

$5 per cheque

SAFETY DEPOSIT BOXES

Safety deposit box rental:

Standard (incl. HST)

$40/year

Medium (incl. HST)

$50/year

Large (incl. HST)

$60/year

Loss of safety deposit keys (incl. HST)

At cost + $10

FOREIGN CURRENCY TRANSACTIONS

US drafts

$10 USD

Canadian cheques drawn in US dollars

$10

Depositing cheques in foreign currencies

$10

Depositing foreign (pension cheques)

Free

Ordering USD – less than $5,000

Free

Ordering USD – more than $5,000

$10

Wiring Funds – incoming

Free

Wiring Funds – outgoing:

Canadian

$35 CAD

U.S.

$35 USD

International:

Up to $1000

$35 USD

$1001 – $10,000

$40 USD

More than $10,000

$50 USD

Wire tracing, amendments, recalls

$25 CAD /
$25 USD

MISCELLANEOUS

Canadian Passport guarantor: for active,
well-known member

Free

Commissioner

Free

Estate Maintenance (cost of
correspondence and legal fees extra)

$50/hr.- min $25

Outgoing eTransfer

Free

Cancellation or return of eTransfer

$5

COIN AND CURRENCY SUPPLIED

Per bundle

$3.00

Per roll

$0.25

Coins must be rolled to the maximum possible amount of rolls to be accepted for deposit

TRANSFER AND CLOSING OF ACCOUNTS

Balance of account transfer (out)

$25

Withdrawal from membership (over 12 months)

$25

Withdrawal from membership (within 12 months)

$50

RRSP withdrawal

$25

Early collapse of RRSP (within 6 months)

$50

T2033 transfers out from RRSP

$100

Third party demand

$50

CONSUMER CREDIT

Bridge financing

$500

Appraisal fee

Charges may vary

Drive by appraisal

Charges may vary

Pre-approved mortgage

Free

High ratio (CMHC)

At cost

Transfer/assignments “out”

$200

Assumption fee

$200

Amendments:

Agreement

Free

Increase payment

Free

Principal prepayment

Free

Payment option

Free

Variable rate mortgage payments

Free

Renewal fee

$50

Discharge fee

$200

Blended rate on closed mortgages

$100

High priority (less than 5 working days)

$200

PPSA enquiry/registration 3-5 year term

$50 – $60

Letters re: duplicate information

Free

Credit ratings to other financial
institutions

$25

Loan amendment

Free

Amortization schedule

Free

NSF loan/mortgage payments

$35

Late payment charge

$25

INFORMATION ON ACCOUNTS

Monthly mailed statement (with imaged cheques)

$3

Monthly e-statements (with imaged cheques)

FREE

History report:

within last and in previous calendar year

$2

before the previous calendar year

$5

Monthly statements reprint (with imaged cheques):

per statement within last and in current calendar year

$5

before current calendar year

$10

Audit Confirmations:

Personal

$25

Bank confirmation – faxed to Ukraine

$50

Commercial

$50

Inactive accounts:

First notice (after 12 months)

Free

Dormant accounts:

First notice (after 24 months)

$45 + applicable
administrative fees

Annual Dormant Account Fee

$45 + applicable
administration fees

Search of records:

Within 30 days

Free

After 1 month

$50/hr min $25

Replacement passbook (if lost)

$5

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