Accounts fees
Type of service
Business account
Community & organization account
Type of service
Business account
Community & organization account
Monthly Fee
Monthly Fee
Free
Free
Sending
Sending
Free
Free
Receiving
Receiving
$0.75
Free
Cancellation or return of e-Transfer
Cancellation or return of e-Transfer
$5.00
$5.00
Cheque clearing
Cheque clearing
$0.75
Free
Cheque deposits
Cheque deposits
Free
Free
EFT/AFT/PAC (incoming)
EFT/AFT/PAC (incoming)
Free
Free
EFT/AFT/PAD (outgoing)
EFT/AFT/PAD (outgoing)
$1.00
Free
EFT/AFT/Bill payment tracing
EFT/AFT/Bill payment tracing
$25/item
$25/item
In-branch bill payment
In-branch bill payment
$2.00
$2.00
Online bill payment
Online bill payment
$0.75
Free
In-branch withdrawal
In-branch withdrawal
$0.75
Free
Member-To-Member transfer
Member-To-Member transfer
$0.75
Free
Chargeback to account
Chargeback to account
$10.00
$10.00
Chargeback to account – for item from member’s own other accounts
Chargeback to account – for item from member’s own other accounts
$40.00
$40.00
Overdrawn account fee
Overdrawn account fee
$25.00
$25.00
Overdraft item handling (pending approval)
Overdraft item handling (pending approval)
$10/item + OD interest
$10/item + OD interest
Cheque/AFT drawn on non-chequing account
Cheque/AFT drawn on non-chequing account
$10.00
$10.00
Cheques deposited in the wrong currency
Cheques deposited in the wrong currency
$5.00/item
$5.00/item
Unqualified item
Unqualified item
$10.00
$10.00
Items received or sent on collection – Canada
Items received or sent on collection – Canada
$25.00
$25.00
Items received or sent on collection – Foreign
Items received or sent on collection – Foreign
$40.00
$40.00
Hold Post-Dated Cheques
Hold Post-Dated Cheques
$2.00/item
$2.00/item
Certify cheque for members
Certify cheque for members
$10.00
$5.00
Certify cheque for Third Party – charged to third party
Certify cheque for Third Party – charged to third party
$25.00
$25.00
Stop payments – complete details
Stop payments – complete details
$8.00
$8.00
Stop payments – partial details
Stop payments – partial details
$15.00
$15.00
Official BCU Corporate cheque (in currency of cheque)
Official BCU Corporate cheque (in currency of cheque)
$10.00
$10.00
Telephone/Email transfers
Telephone/Email transfers
$5.00
$5.00
Automatic transfers to cover draft
Automatic transfers to cover draft
Free
Free
Cheque Source in branch printing
Cheque Source in branch printing
see below
see below
Counter cheques
Counter cheques
see below
see below
ASAP Cheques orders to be mailed
ASAP Cheques orders to be mailed
at cost + $10.00
at cost + $10.00
BCU ATMs – All Transactions
BCU ATMs – All Transactions
$0.75
Free
The Exchange Network ATMs – All transactions
The Exchange Network ATMs – All transactions
$0.75
Free
Canadian ATMs not on The Exchange Network Cash Withdrawal ($1.50 + ATM surcharge)
Canadian ATMs not on The Exchange Network Cash Withdrawal ($1.50 + ATM surcharge)
$1.50
N/A
US or International ATMs Cash Withdrawal ($5.00 + ATM surcharge)
US or International ATMs Cash Withdrawal ($5.00 + ATM surcharge)
$5.00
Interac Debit Point of Sale Transactions (POS)
Interac Debit Point of Sale Transactions (POS)
$0.25
MemberCard replacement (1 free per rolling 12-month period)
MemberCard replacement (1 free per rolling 12-month period)
$5.00
$5.00
ATM/POS trace
ATM/POS trace
Free
Free
US dollars amount drawn on a Canadian account/cheque
US dollars amount drawn on a Canadian account/cheque
$12.50
$12.50
Deposit cheque in a foreign currencies
Deposit cheque in a foreign currencies
$10.00
$10.00
CAD Draft
CAD Draft
$10.00 CAD
$10.00 CAD
USD Draft
USD Draft
$10.00 USD
$10.00 USD
Cancel Draft
Cancel Draft
$15.00 CAD/USD
$15.00 CAD/USD
Canadian
Canadian
$10 CAD
$10 CAD
U.S.
U.S.
$10 USD
$10 USD
Canadian
Canadian
$35 CAD
$35 CAD
U.S.
U.S.
$35 USD
$35 USD
Up to $1,000
Up to $1,000
$35.00 USD
$35.00 USD
$1,001 – $10,000
$1,001 – $10,000
$40.00 USD
$40.00 USD
More than $10,000
More than $10,000
$50.00 USD
$50.00 USD
Wire tracing, amendments, recalls
Wire tracing, amendments, recalls
$25.00 CAD/USD
$25.00 CAD/USD
Per bundle – CAD/USD *Cash-intensive and high-volume cash orders are subject to higher fees.
Per bundle – CAD/USD *Cash-intensive and high-volume cash orders are subject to higher fees.
$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.
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.
$25.00 CAD/USD
$25.00 CAD/USD
Per roll – CAD
Per roll – CAD
$0.25
$0.25
Coin Deposits – Large quantities of loose coins not accepted. Coins must be rolled to the maximum possible amount of rolls
Coin Deposits – Large quantities of loose coins not accepted. Coins must be rolled to the maximum possible amount of rolls
Balance of account transfer (out)
Balance of account transfer (out)
$25.00
$25.00
Withdrawal from membership (over 12 months)
Withdrawal from membership (over 12 months)
$25.00
$25.00
Withdrawal from membership (within 12 months)
Withdrawal from membership (within 12 months)
$50.00
$50.00
Estate Account Closing Fees
Estate Account Closing Fees
$200.00
$200.00
Information on accounts
Type of service
Fee
Type of service
Fee
Monthly E-Statement (with imaged cheques)
Monthly E-Statement (with imaged cheques)
Free
Monthly mailed statement (with imaged cheques)
Monthly mailed statement (with imaged cheques)
$3.00
Per statement from September 2019
Per statement from September 2019
$5.00
Per statement prior to September 2019
Per statement prior to September 2019
$10.00
Within current and previous calendar year
Within current and previous calendar year
$2.00
Before previous calendar year
Before previous calendar year
$5.00
Personal/Organizational
Personal/Organizational
$25.00
Business/Commercial
Business/Commercial
$50.00
Bank confirmation sent outside of Canada
Bank confirmation sent outside of Canada
$50.00
Within 30 days
Within 30 days
Free
After 1 month
After 1 month
$50/hr min $25
Replacement passbook (if lost)
Replacement passbook (if lost)
$5.00
First notice – Inactive Account (no activity for 1 year)
First notice – Inactive Account (no activity for 1 year)
Free
Second notice – Dormant Account (no activity for 2 years or more)
Second notice – Dormant Account (no activity for 2 years or more)
$45 + processing fees
Annual Dormant Account Fee (on anniversary of dormancy from years 3-9 years or more)
Annual Dormant Account Fee (on anniversary of dormancy from years 3-9 years or more)
$45 + processing fees
Transferring funds to Bank of Canada at 10-year anniversary of dormancy
Transferring funds to Bank of Canada at 10-year anniversary of dormancy
$100.00
Standard (incl. HST)
Standard (incl. HST)
$45/year
Medium (incl. HST)
Medium (incl. HST)
$55/year
Large (incl. HST)
Large (incl. HST)
$65/year
Loss and/or replacement of safety deposit keys
Loss and/or replacement of safety deposit keys
cost of key + $25
Drilling of box
Drilling of box
cost of locksmith + $25
Canadian Passport guarantor: for active, well-known member
Canadian Passport guarantor: for active, well-known member
Free
Commissioner
Commissioner
Free
Estate Maintenance (cost of correspondence and legal fees extra)
Estate Maintenance (cost of correspondence and legal fees extra)
$50/hr.- min $25
Credit Card Guarantee
Credit Card Guarantee
cost of key + $25
Drilling of box
Drilling of box
cost of locksmith + $25
Canadian Passport guarantor: for active, well-known member
Canadian Passport guarantor: for active, well-known member
Free
Commissioner
Commissioner
Free
Estate Maintenance (cost of correspondence and legal fees extra)
Estate Maintenance (cost of correspondence and legal fees extra)
$50/hr.- min $25
Credit Card Guarantee
Credit Card Guarantee
$50.00
3rd Party Demand / Garnishment – per remittance
3rd Party Demand / Garnishment – per remittance
$50.00
Business or organization cheque printing fees (for in branch printing)
Account
Qty
Fee
Account
Qty
Fee
12
$10.50
50
$25.00
100
$40.00
200
$70.00
300
$75.00
400
$82.50
500
$95.00
Counter Cheques
Counter Cheques
12 free “personal” counter cheques per year.
$1.25 per cheque afterwards (4 minimum)
Personal Cheque Wallet
Personal Cheque Wallet
Free
Personal Cheque Register
Personal Cheque Register
$20.00
D+H cheque
D+H cheque
at cost+$10.00
