Плата за персональні банківські послуги
Для повного переліку персональних банківських тарифів Кредитової Спілки Будучність, натисніть тут
Personal Account Fees
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Lys Mykyta |
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Rebel |
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Conquest |
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Regular |
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Bulava |
INTERAC E-TRANSFER |
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Incoming e-Transfer |
Free |
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Free |
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Free |
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Free |
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Free |
Outgoing e-Transfer |
Free |
|
Free |
|
Free |
|
Free |
|
Free |
Cancellation or Return of eTransfer |
$5.00 |
|
$5.00 |
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$5.00 |
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$5.00 |
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$5.00 |
ACCOUNT CLEARING CHARGES |
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Cheque clearing |
N/A |
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Free |
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Free |
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Free |
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Free |
Cheque deposits |
Free |
|
Free |
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Free |
|
Free |
|
Free |
EFT/AFT/PAC (incoming) |
Free |
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Free |
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Free |
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Free |
|
Free |
EFT/AFT/PAD (outgoing) |
N/A |
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Free |
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Free |
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$1.00 |
|
Free |
EFT/AFT tracing |
$25/item |
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$25/item |
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$25/item |
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$25/item |
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$25/item |
In-Branch Bill Payment |
N/A |
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$2.00 |
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$2.00 |
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$2.00 |
|
Free |
Online Bill Payment |
Free |
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Free |
|
Free |
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Free |
|
Free |
Chargeback to account |
$10.00 |
|
$10.00 |
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$10.00 |
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$10.00 |
|
$10.00 |
Chargeback to account – for item from member’s own other accounts |
$40.00 |
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$40.00 |
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$40.00 |
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$40.00 |
|
$40.00 |
Overdrawn account fee |
$25.00 |
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$25.00 |
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$25.00 |
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$25.00 |
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$25.00 |
Overdraft item handling (pending approval) |
N/A |
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$10/item + OD interest |
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$10/item + OD interest |
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$10/item + OD interest |
|
$10/item + OD interest |
Cheque/AFT drawn on non-chequing account |
N/A |
|
$10.00 |
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$10.00 |
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$10.00 |
|
$10.00 |
Cheques deposited in the wrong currency |
$5.00/item |
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$5.00/item |
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$5.00/item |
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$5.00/item |
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$5.00/item |
Unqualified item |
$10.00 |
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$10.00 |
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$10.00 |
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$10.00 |
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$10.00 |
Items received or sent on collection – Canada |
$25.00 |
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$25.00 |
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$25.00 |
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$25.00 |
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$25.00 |
Items received or sent on collection – Foreign |
$40.00 |
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$40.00 |
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$40.00 |
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$40.00 |
|
$40.00 |
Hold Post-Dated Cheques |
$2.00/item |
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$2.00/item |
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$2.00/item |
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$2.00/item |
|
$2.00/item |
Certify cheque for Members |
N/A |
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Free |
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$5.00 |
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$5.00 |
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Free |
Certify cheque for Third Party – charged to third party |
N/A |
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$25.00 |
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$25.00 |
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$25.00 |
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$25.00 |
Stop payments – complete details |
N/A |
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$8.00 |
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$8.00 |
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$8.00 |
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$8.00 |
Stop payments – partial details |
N/A |
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$15.00 |
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$15.00 |
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$15.00 |
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$15.00 |
Official BCU Corporate cheque (in currency of cheque) |
$10.00 |
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$10.00 |
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$10.00 |
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$10.00 |
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$10.00 |
Telephone/Email transfers |
$5.00 |
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$5.00 |
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$5.00 |
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$5.00 |
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$5.00 |
Automatic Transfers to cover draft |
Free |
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Free |
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Free |
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Free |
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Free |
Cheque orders: |
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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 |
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at cost + $10.00 |
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at cost + $10.00 |
|
at cost + $10.00 |
ATM NETWORK CHARGES |
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BCU ATMs – All Transactions |
Free |
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Free |
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Free |
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Free |
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Free |
The Exchange Network ATMs – All Transactions |
Free |
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Free |
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Free |
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Free |
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Free |
Canadian ATMs not on The Exchange Network Cash Withdrawal ($1.50 + ATM surcharge) |
Free |
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Free |
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Free |
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$1.50 |
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Free |
US or International ATMs Cash Withdrawal ($5.00 + ATM surcharge) |
$5.00 |
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$5.00 |
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$5.00 |
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$5.00 |
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$5.00 |
Interac Debit Point of Sale Transactions (POS) |
Free |
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Free |
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Free |
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$0.25 |
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$0.25 |
MemberCard replacement (1 free per rolling 12-month period) |
$5.00 |
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$5.00 |
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$5.00 |
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$5.00 |
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$5.00 |
ATM/POS trace |
Free |
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Free |
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Free |
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Free |
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Free |
FOREIGN CURRENCY TRANSACTIONS |
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US dollars amount drawn on a Canadian account/cheque |
N/A |
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$12.50 |
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$12.50 |
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$12.50 |
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$12.50 |
Deposit cheque in a foreign currencies |
$10.00 |
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$10.00 |
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$10.00 |
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$10.00 |
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$10.00 |
Depositing foreign pension cheques |
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N/A |
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N/A |
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N/A |
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Free |
DRAFTS |
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CAD Draft |
$10.00 CAD |
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$10.00 CAD |
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$10.00 CAD |
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$10.00 CAD |
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$10.00 CAD |
UDS Draft |
$10.00 USD |
|
$10.00 USD |
|
$10.00 USD |
|
$10.00 USD |
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$10.00 USD |
Cancel Draft |
$15.00 CAD/USD |
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$15.00 CAD/USD |
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$15.00 CAD/USD |
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$15.00 CAD/USD |
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$15.00 CAD/USD |
WIRES |
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Incoming |
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Canadian |
$10 CAD |
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$10 CAD |
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$10 CAD |
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$10 CAD |
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$10 CAD |
U.S. |
$10 USD |
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$10 USD |
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$10 USD |
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$10 USD |
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$10 USD |
Outgoing |
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Canadian |
$35 CAD |
|
$35.00 CAD |
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$35.00 CAD |
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$35.00 CAD |
|
$35.00 CAD |
U.S. |
$35 USD |
|
$35.00 USD |
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$35.00 USD |
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$35.00 USD |
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$35.00 USD |
International: |
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Up to $1,000 |
$35.00 USD |
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$35.00 USD |
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$35.00 USD |
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$35.00 USD |
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$35.00 USD |
$1,001 – $10,000 |
$40.00 USD |
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$40.00 USD |
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$40.00 USD |
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$40.00 USD |
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$40.00 USD |
More than $10,000 |
$50.00 USD |
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$50.00 USD |
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$50.00 USD |
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$50.00 USD |
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$50.00 USD |
Wire tracing, amendments, recalls |
$25.00 CAD/USD |
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$25.00 CAD/USD |
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$25.00 CAD/USD |
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$25.00 CAD/USD |
|
$25.00 CAD/USD |
COIN AND CURRENCY SUPPLIED (for orders of more than $5,000) |
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Per bundle – CAD/USD |
N/A |
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$3.00 CAD/USD |
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$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 |
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$0.25 |
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$0.25 |
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$0.25 |
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$0.25 |
Coin Deposits – Large quantities of loose coins not accepted. Coins must be rolled to the maximum possible amount of rolls |
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TRANSFER AND CLOSING OF ACCOUNTS |
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Balance of account transfer (out) |
$25.00 |
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$25.00 |
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$25.00 |
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$25.00 |
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$25.00 |
Withdrawal from membership (over 12 months) |
$25.00 |
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$25.00 |
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$25.00 |
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$25.00 |
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$25.00 |
Withdrawal from membership (within 12 months) |
$50.00 |
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$50.00 |
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$50.00 |
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$50.00 |
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$50.00 |
RRSP withdrawal |
N/A |
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$25.00 |
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$25.00 |
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$25.00 |
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$25.00 |
RRSP withdrawal for LLP |
N/A |
|
Free |
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Free |
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Free |
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Free |
RRSP withdrawal for HBP (waived if mortgage is with BCU) |
N/A |
|
$25.00 |
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$25.00 |
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$25.00 |
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$25.00 |
RRSP withdrawal within 90 days of deposit |
N/A |
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$50.00 |
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$50.00 |
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$50.00 |
|
$50.00 |
Early collapse of RRSP (within 6 months) |
N/A |
|
$50.00 |
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$50.00 |
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$50.00 |
|
$50.00 |
RRSP Transfer (T2033) |
N/A |
|
$100.00 |
|
$100.00 |
|
$100.00 |
|
$100.00 |
RRIF/LIF transfer |
N/A |
|
N/A |
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N/A |
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N/A |
|
$100.00 |
RESP full transfer |
N/A |
|
N/A |
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N/A |
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$100.00 |
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$100.00 |
RESP partial Transfer (Concentra cost of $195 + $55) |
N/A |
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N/A |
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N/A |
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$250.00 |
|
$250.00 |
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Lys Mykyta |
|
Rebel |
|
Conquest |
|
Regular |
|
Bulava |
INFORMATION ON ACCOUNTS |
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Monthly Statements: |
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Monthly E-Statement (with imaged cheques) |
FREE |
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FREE |
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FREE |
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FREE |
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FREE |
Monthly mailed statement (with imaged cheques) |
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$3.00 |
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$3.00 |
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$3.00 |
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Free |
Monthly statement reprint (with imaged cheques): |
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per statement from September 2019 |
$5.00 |
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$5.00 |
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$5.00 |
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$5.00 |
|
$5.00 |
per statement prior to September 2019 |
$10.00 |
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$10.00 |
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$10.00 |
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$10.00 |
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$10.00 |
History report: |
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within current and previous calendar year |
$2.00 |
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$2.00 |
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$2.00 |
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$2.00 |
|
$2.00 |
before previous calendar year |
$5.00 |
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$5.00 |
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$5.00 |
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$5.00 |
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$5.00 |
Audit Confirmations: |
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Personal/Organizational |
$25.00 |
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$25.00 |
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$25.00 |
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$25.00 |
|
$25.00 |
Business/Commercial |
$50.00 |
|
$50.00 |
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$50.00 |
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$50.00 |
|
$50.00 |
Bank confirmation sent outside of Canada |
$50.00 |
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$50.00 |
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$50.00 |
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$50.00 |
|
$50.00 |
Search of records: |
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Within 30 days |
Free |
|
Free |
|
Free |
|
Free |
|
Free |
After 1 month |
$50/hr min $25 |
|
$50/hr min $25 |
|
$50/hr min $25 |
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$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: |
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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 |
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$100.00 |
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$100.00 |
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$100.00 |
SAFETY DEPOSIT BOXES |
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Safety deposit box rental: |
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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 |
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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) |
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|
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