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Personal Banking Fees

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Personal Account Fees

Lys Mykyta Rebel Conquest Regular Bulava
INTERAC E-TRANSFER
Incoming e-Transfer Free  Free  Free  Free Free
Outgoing e-Transfer Free  Free  Free  Free Free
Cancellation or Return of eTransfer $5.00 $5.00 $5.00 $5.00 $5.00
ACCOUNT CLEARING CHARGES
Cheque clearing N/A Free Free Free Free
Cheque deposits Free Free Free Free Free
EFT/AFT/PAC (incoming) Free Free Free Free Free
EFT/AFT/PAC (outgoing) N/A Free Free $1.00 Free
EFT/AFT tracing $25/item $25/item $25/item $25/item $25/item
In-Branch Bill Payment N/A $2.00 $2.00 $2.00 Free
Online Bill Payment Free Free Free Free Free
Chargeback to account $10.00  $10.00  $10.00  $10.00  $10.00
Chargeback to account – for item from member’s own other accounts $40.00  $40.00  $40.00  $40.00  $40.00
Overdrawn account fee $25.00  $25.00  $25.00  $25.00  $25.00
Overdraft item handling (pending approval) N/A $10/item + OD interest $10/item + OD interest $10/item + OD interest $10/item + OD interest
Cheque/AFT drawn on non-chequing account N/A $10.00 $10.00 $10.00 $10.00
Cheques deposited in the wrong currency $5.00/item $5.00/item $5.00/item $5.00/item $5.00/item
Unqualified item $10.00  $10.00  $10.00  $10.00  $10.00
Items received or sent on collection – Canada $25.00  $25.00  $25.00  $25.00  $25.00
Items received or sent on collection – Foreign $40.00 $40.00 $40.00 $40.00 $40.00
Hold Post-Dated Cheques $2.00/item $2.00/item $2.00/item $2.00/item $2.00/item
Certify cheque for Members N/A Free $5.00 $5.00 Free
Certify cheque for Third Party – charged to third party N/A $25.00 $25.00 $25.00 $25.00
Stop payments – complete details N/A $8.00 $8.00 $8.00 $8.00
Stop payments – partial details N/A $15.00 $15.00 $15.00 $15.00
Official BCU Corporate cheque (in currency of cheque) $10.00 $10.00 $10.00 $10.00 $10.00
Telephone/Email transfers $5.00  $5.00  $5.00  $5.00  $5.00
Automatic Transfers to cover draft Free  Free  Free  Free  Free
Cheque orders:
Cheque Source in branch printing N/A see below see below see below see below
Counter cheques  N/A see below see below see below see below
D + H orders to be mailed  N/A at cost + $10.00 at cost + $10.00 at cost + $10.00 at cost + $10.00
ATM NETWORK CHARGES
BCU ATMs – All Transactions Free Free Free Free Free
The Exchange Network ATMs – All Transactions Free Free Free Free Free
Canadian ATMs not on The Exchange Network Cash Withdrawal ($1.50 + ATM surcharge) Free Free Free $1.50 Free
US or International ATMs Cash Withdrawal ($5.00 + ATM surcharge) $5.00 $5.00 $5.00 $5.00 $5.00
Interac Debit Point of Sale Transactions (POS) Free Free Free $0.25 $0.25
MemberCard replacement (1 free per rolling 12-month period) $5.00  $5.00  $5.00  $5.00  $5.00
ATM/POS trace Free  Free  Free  Free  Free
FOREIGN CURRENCY TRANSACTIONS
US dollars amount drawn on a Canadian account/cheque N/A $12.50 $12.50 $12.50 $12.50
Deposit cheque in a foreign currencies $10.00  $10.00  $10.00  $10.00  $10.00
Depositing foreign pension cheques N/A N/A N/A Free
DRAFTS
CAD Draft $10.00 CAD $10.00 CAD $10.00 CAD $10.00 CAD $10.00 CAD
UDS Draft $10.00 USD $10.00 USD $10.00 USD $10.00 USD $10.00 USD
Cancel Draft $15.00 CAD/USD $15.00 CAD/USD $15.00 CAD/USD $15.00 CAD/USD $15.00 CAD/USD
WIRES
Incoming Free  Free  Free  Free  Free
Outgoing
Canadian N/A $35.00 CAD $35.00 CAD $35.00 CAD $35.00 CAD
U.S. N/A $35.00 USD $35.00 USD $35.00 USD $35.00 USD
International:
Up to $1,000 N/A $35.00 USD $35.00 USD $35.00 USD $35.00 USD
$1,001 – $10,000  N/A $40.00 USD $40.00 USD $40.00 USD $40.00 USD
More than $10,000  N/A $50.00 USD $50.00 USD $50.00 USD $50.00 USD
Wire tracing, amendments, recalls  N/A $25.00 CAD/USD $25.00 CAD/USD $25.00 CAD/USD $25.00 CAD/USD
COIN AND CURRENCY SUPPLIED (for orders of more than $5,000)
Per bundle – CAD/USD N/A $3.00 CAD/USD $3.00 CAD/USD $3.00 CAD/USD $3.00 CAD/USD
Orders of more than $5,000 must be ordered at least 48 hours in advance. If not ordered more that 48 hours in advance a $25 surcharge will be levied IF the order can be processed. N/A $25.00 CAD/USD $25.00 CAD/USD $25.00 CAD/USD $25.00 CAD/USD
Per roll – CAD $0.25  $0.25  $0.25  $0.25  $0.25
Coin Deposits – Large quantities of loose coins not accepted. Coins must be rolled to the maximum possible amount of rolls
TRANSFER AND CLOSING OF ACCOUNTS
Balance of account transfer (out) $25.00 $25.00 $25.00 $25.00 $25.00
Withdrawal from membership (over 12 months) $25.00  $25.00  $25.00  $25.00  $25.00
Withdrawal from membership (within 12 months) $50.00  $50.00  $50.00  $50.00  $50.00
RRSP withdrawal N/A $25.00 $25.00 $25.00 $25.00
RRSP withdrawal for LLP  N/A Free Free Free Free
RRSP withdrawal for HBP (waived if mortgage is with BCU)  N/A $25.00 $25.00 $25.00 $25.00
RRSP withdrawal within 90 days of deposit  N/A $50.00 $50.00 $50.00 $50.00
Early collapse of RRSP (within 6 months)  N/A $50.00 $50.00 $50.00 $50.00
RRSP Transfer (T2033)  N/A $100.00 $100.00 $100.00 $100.00
RRIF/LIF transfer  N/A N/A N/A N/A $100.00
RESP full transfer  N/A N/A N/A $100.00 $100.00
RESP partial Transfer (Concentra cost of $195 + $55)  N/A N/A N/A $250.00 $250.00

Lys Mykyta Rebel Conquest Regular Bulava
INFORMATION ON ACCOUNTS
Monthly Statements:
Monthly E-Statement (with imaged cheques) FREE FREE FREE FREE FREE
Monthly mailed statement (with imaged cheques) $3.00 $3.00 $3.00 Free
Monthly statement reprint (with imaged cheques):
per statement from September 2019 $5.00 $5.00 $5.00 $5.00 $5.00
per statement prior to September 2019 $10.00  $10.00  $10.00  $10.00  $10.00
History report:
within current and previous calendar year $2.00 $2.00 $2.00 $2.00 $2.00
before previous calendar year $5.00  $5.00  $5.00  $5.00  $5.00
Audit Confirmations:
Personal/Organizational $25.00  $25.00  $25.00  $25.00  $25.00
Business/Commercial $50.00  $50.00  $50.00  $50.00  $50.00
Bank confirmation sent outside of Canada $50.00  $50.00  $50.00  $50.00  $50.00
Search of records:
Within 30 days Free Free Free Free Free
After 1 month $50/hr min $25 $50/hr min $25 $50/hr min $25 $50/hr min $25 $50/hr min $25
Replacement passbook (if lost) N/A N/A N/A N/A N/A
Dormant/Inactive accounts:
First notice – Inactive Account (no activity for 1 year) Free Free Free Free Free
Second notice – Dormant Account (no activity for 2 years or more) $45 + processing fees  $45 + processing fees  $45 + processing fees  $45 + processing fees  $45 + processing fees
Annual Dormant Account Fee (on anniversary of dormancy from years 3-9) $45 + processing fees  $45 + processing fees  $45 + processing fees  $45 + processing fees  $45 + processing fees
Transferring funds to Bank of Canada at 10-year anniversary of dormancy $100.00 $100.00 $100.00 $100.00 $100.00
SAFETY DEPOSIT BOXES
Safety deposit box rental:
Standard (incl. HST) $45/year $45/year $45/year $45/year $45/year
Medium (incl. HST) $55/year $55/year $55/year $55/year $55/year
Large (incl. HST) $65/year  $65/year  $65/year  $65/year  $65/year
Loss and/or replacement of safety deposit keys cost of key + $25 cost of key + $25 cost of key + $25 cost of key + $25 cost of key + $25
Drilling of Box cost of locksmith + $25 cost of locksmith + $25 cost of locksmith + $25 cost of locksmith + $25 cost of locksmith + $25
MISCELLANEOUS
Canadian Passport guarantor: for active, well-known member Free  Free  Free  Free  Free
Commissioner Free  Free  Free  Free  Free
Estate Maintenance (cost of correspondence and legal fees extra) $50/hr.- min $25  $50/hr.- min $25  $50/hr.- min $25  $50/hr.- min $25  $50/hr.- min $25
Credit Card Guarantee $50.00  $50.00  $50.00  $50.00  $50.00
3rd Party Demand / Garnishment – per remittance $50.00  $50.00  $50.00  $50.00  $50.00

CONSUMER CREDIT RETAIL
Mortgage Pre-Approval Free
Increase payment 1 Free
Principal pre-payment – up to 20% 2 Free
Change Payment Frequency Free
Renewal fee Free
Amortization schedule Free
Property appraisal At cost
NSF loan/mortgage payments $40.00
Late payment charge $25.00
Loan amendment $150.00
Discharge or transfer out fee $300.00
PPSA inquiry $15.00
PPSA registration $60.00
Letters re: duplicate information $25.00 per item
High ratio (CMHC) At cost
Bridge financing $350.00
Re-advance (add back to mortgage) $250.00
Blend and Extend on closed mortgages $150.00
High priority (less than 5 working days) $300.00
Assumption fee N/A
Credit ratings to other financial institutions $25.00

Personal Account Credit Fees

 

PERSONAL CHEQUE PRINTING FEES (for in branch printing)
Personal Accounts Qty Fee
Up to 100 FREE personal cheques per year.
After the first 100 the prices are as indicated 4 4.00
12 8.00
24 12.00
48 20.00
100 35.00
Counter Cheques Free
Personal Cheque Wallet Free
Personal Cheque Register 20.00
D + H cheques at cost + 10.00

1 Annual sum of payment increases cannot exceed 20% mortgage pre-payment allowance amount.

2 Mortgage pre-payment allowance limited to 20% of original loan amount per rolling 12-month period

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