All of our Chequing Accounts can be accessed electronically by
AFT, MEMBER CARD Debit Card® or GLOBAL PAYMENT MasterCard®.

CONSUMER ACCOUNT PACKAGE

$11.75/MONTH:

• Member Direct Internet Banking
• unlimited debit transactions ( cheques, AFT & EFT)
• free use of own Credit Union ATM
• free point of sale
• free payment card
• free deposit services
• free Certified cheques
• free Managers Trust Cheques/Bank Draft
• free stop payment
• free bill payment
• free Canadian Money Orders
• free Canadian travelers cheques
• free night deposit
• mailed statement included
• $5.00 annual discount on safety deposit box
• Interac transactions $1.75
• CIRRUS transactions $3.00

COMMERCIAL ACCOUNT PACKAGE

$21.75/MONTH::

• Member Direct Internet Banking
• unlimited debit transactions ( cheques, AFT or EFT)
• free use of own Credit Union ATM
• free point of sale
• free payment card
• free deposit services
• free Certified Cheque
• free Managers Trust cheques/Bank Draft
• free stop payment
• free bill payment
• free Canadian Money Orders
• free Canadian travelers cheques
• free night deposit
• $5.00 annual discount on safety deposit box
• Interac transactions $1.75
• Cirrus transaction $3.00
• Statement mailing fee of $3.00

MAXIMIZER: (non-package)

• $.65 debit transaction (Electronic, Paper, Card, etc)
• $.65 Credit Union ATM withdrawal
• $1.75 Interac Transaction
• $3.00 Cirrus Transaction
• $.65 Per Bill Payment (Revenue Canada Free)
• $7.50 per none personalized or altered cheque
• $7.50 for Manager’s Trust Cheque/Bank Draft (member request)
• $7.50 Member Certified Cheque
• $15.00 3rd party Certified Cheque or MTC
• $10.00 Stop Payment full info-partial info $15.00
• $5.00 Charge Backs Received
• $1.50 per mailed statement
• $4.00 Auto Transfer for OD coverage
• $50.00 Registered Plan Trans to Non CU Product
• $25.00 per bank confirmation

MAXIMIZER PACKAGE

$12.95/MONTH:

• Member Direct Internet Banking
• unlimited debit transactions (cheques, AFT & EFT)
• free use of own Credit Union ATM
• free point of sale
• free payment card
• free deposit services
• free Certified cheques
• free Manager’s Trust Cheques/Bank Draft
• free Stop Payment
• free bill payment
• free Canadian Money Orders
• free Canadian travelers cheques
• free night deposit (where available)
• $5.00 annual discount on safety deposit box
• Interac transactions $1.75
• CIRRUS transactions $3.00
• Statement mailing fee $1.50

CU 59 ACCOUNT:

(MEMBERS 60 PLUS)

• Member Direct Internet Banking
• unlimited debit transactions (cheques, AFT & EFT)
• free use of Credit Union ATM
• free point of sale
• free payment card
• free deposit services
• free Certified cheques
• free Manager’s Trust Cheques/ Bank Drafts
• free Stop payment
• free bill payment
• free Canadian Money Orders
• free Canadian travelers cheques
• free night deposit
• mailed statement
• $5.00 annual discount on safety deposit box
• Interac  & Cirrus transactions included
• 1 personalized cheque order per annum (maximum 100 cheques-lowest priced) Credit Union determines style (Cayman edition at date of writing)

STUDENT CHOICE ACCOUNT PACKAGE

SERVICES LISTED

• Member Direct Internet Banking
• free use of Credit Union ATM
• free point of sale
• free payment card
• free deposit services
• free bill payment
• free Canadian travelers cheques
• free night deposit
• $5.00 annual discount on safety deposit box
• Interac transactions $1.75
• Cirrus transaction $3.00
• $.50 per cheque
• $10.00 off 1st cheque order
• Statement mailing fee $1.50

YOUTH ACCOUNTS: FAT CAT & HEADSTART

• Member Direct Internet Banking
• Unlimited chequing
• free use of Credit Union ATM
• free point of sale
• free payment card
• free deposit services
• free Canadian travelers cheques
• free night deposit
• Interact transactions $1.75
• Cirrus transaction $3.00

Please note any non-personalized or altered cheques have a cost of $7.50 for all accounts.

USD Accounts: (an interest bearing chequing account)

• Member Direct Internet Banking Access
• $.65 debit transactions (withdrawl/cheque/electronic)
• $.65 credit transactions (all deposits)
• Monthly maintenance  fee $1.50

LOW FEE ACCOUNT - $4.00/MONTH (Includes Statment Mail-out):

Your credit union low fee account will provide you with the following services:

• Maximum 8 debit transactions/month of which 2 can be in-branch (exceeded transactions at normal rates/fees)
• Cheque purchases are not discounted for this account
• Free deposits
• Mailed statement
• Membercard available to qualifying members
• Interac fee $1.75
• Cirrus fee of $3.00

NON PACKAGE ACCOUNT FEES PCA & SAVINGS:

• $.50 debit transaction (electronic, paper, card, etc)
• $.50 Credit Union ATM withdrawal
• $1.75 Interac Transaction
• $3.00 Cirrus Transaction
• $.65 Per Bill Payment (Revenue Canada & CU Credit Card Payment Free)
• $7.50 per none personalized or altered cheque
• $7.50 for Manager’s Trust Cheque/Bank Draft (member request)
• $7.50 Member Certified Cheque
• $15.00 3rd party Certified Cheque or MTC
• $10.00 Stop Payment full information / missing information-$15.00
• $5.00 Charge Backs Received
• $5.00 on returned item (stale date, body & figure, etc)
• $1.50 per mailed statement
• $2.00 per statement snap shot
• $4.00 Auto Transfer for OD coverage
• $50.00 Registered Plan Trans to Non CU Product
• $25.00 per bank confirmation
• $25.00 per written credit check

OVERDRAFT (O/D) PROCESSING:

• $35.00 per NSF Item
• $5.00 per O/D Item
• $15.00 per notice of overdraft
• $5.00 per charge back
• 24% Overdraft Interest
• $4.00 CU initiated auto transfer to cover O/D’s

SAFETY DEPOSIT BOX ANNUAL RENTAL: (Prices Effective January 2010) + GST:

• $35.00 Small
• $40.00 Medium
• $55.00 Large
• $75.00 Extra Large
• $25/key + Cost to reorder
• $100 + Cost to drill box and replace door.
• GST TO BE ADDED TO ALL

OTHER FEES & CHARGES:

• photo copies

$.40 single sided 8.5 x 11

$.50 double sided 8.5 x 1

$.50 single sided 8.5 x 14

$.75 double sided 8.5 x14

• $4.00 Auto Transfer for OD coverage
• $20.00 transfer of Account to another CU
• $25.00 Transfer of Account to another FI
• $10 Cheque sent on Collection
• $20 Cheque received on Collection
• $7.50 for Canadian Money Order
• $7.50 US Money Order
• $7.50 per Managers Trust Cheque/Bank Draft
• $10.00 Cash Non-member Cheque

• $5.00 Non-member cash request (Canadian)-Government Cheques-no charge

• $10.00 Non-member USD/Foreign cash request under $2,000

• Non-member USD/Foreign cash request over $2,000 = ½% of total

• $5.00 Telephone Verification
• $5.00 per item reproduction fee
• 1% of value on travelers cheques
• $2.00 for non-member bill payment (CCRA free)
• $1.00 per page to receive or send fax
• $40.00 per hour for record search
• $5.00 per envelope courier (member)
• $10.00 per envelope courier (non-member)
• $1.00 per sheet for laminating
• $25.00 Account Closed within 90 days of opening

STANDARD MECHANT FEES:

• Set by CUETs - Credit Union has no control over fees

PAYMENT CARD PRODUCTS - NO CHOICE REWARDS OFFERED TO ANY NEW CARDS

• $12.00/ annum Choice Rewards
• (EXISITNG CARDS PRIOR TO 2009)
• $96.00/ annum Gold Card  
• $150.00/ annum  Platinum Card
• ONLY CUETS MASTERCARDS  HAVE CHOICE REWARDS

Wires:

SENDING WIRES

• $10/wire  to another CU
• $30/wire  to another F/I
• $30/wire  out of province
• $40/wire  out of Country outside of US

 RECEIVING WIRES

• $20/wire + any costs

ALL PRICING TO COME INTO EFFECT JULY 1, 2009

Overdraft protection is available

Maximizer®
Five-tiered daily interest chequing account with interest calculated on the minimum daily balance and paid monthly.

Financial Services Agreement - Business

Financial Services Agreement - Personal