MENUMENU
Для повного переліку персональних банківських тарифів Кредитової Спілки Будучність, натисніть тут
| 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/PAD (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 | |||||||||
| Canadian | $10 CAD | $10 CAD | $10 CAD | $10 CAD | $10 CAD | ||||
| U.S. | $10 USD | $10 USD | $10 USD | $10 USD | $10 USD | ||||
| Outgoing | |||||||||
| Canadian | $35 CAD | $35.00 CAD | $35.00 CAD | $35.00 CAD | $35.00 CAD | ||||
| U.S. | $35 USD | $35.00 USD | $35.00 USD | $35.00 USD | $35.00 USD | ||||
| International: | |||||||||
| Up to $1,000 | $35.00 USD | $35.00 USD | $35.00 USD | $35.00 USD | $35.00 USD | ||||
| $1,001 – $10,000 | $40.00 USD | $40.00 USD | $40.00 USD | $40.00 USD | $40.00 USD | ||||
| More than $10,000 | $50.00 USD | $50.00 USD | $50.00 USD | $50.00 USD | $50.00 USD | ||||
| Wire tracing, amendments, recalls | $25.00 CAD/USD | $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 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
