Service Charges
Please note these charges are effective Nov 1, 2018.
Click here for the full Service Charge Brochure
Click here for the full Service Charge Brochure
Account Service Charges
Personal PCA
- Monthly maintenance fee, passbook $4.00
- Includes 12 debit transactions
- Withdrawal in branch $0.60
- Cheque, preauthorized debit, bill payment $0.60
- Direct payment purchase / point of sale $0.60
- ATM withdrawal or bill payment $0.60
Personal PCA Plus
- Monthly maintenance fee for service package without benefits, passbook $11.96
- Unlimited transactions
Regional Account
- Monthly maintenance fee for service package with benefits $11.96
- Up to 50 debit transactions
- After 50 transactions, a per debit fee $0.60
- Withdrawal, preauthorized debit, bill payment $0.60
- Direct payment purchase/point of sale $0.60
- ATM withdrawal or bill payment $0.60
Regional Account Plus
- Maintenance fee for service package with benefits $18.96
- Unlimited transactions
- Line of Credit Mandatory
Maximizer
- Maintenance fee, passbook $3.75
- 20 debit transactions free with minimum monthly balance of at least $1,000
- Withdrawal in branch $0.75
- Cheque, preauthorized debit $0.75
- Direct payment purchase / point of sale $0.75
- ATM withdrawal or bill payment $0.75
Plan 24 Savings
- One free debit for every $1000 in minimum monthly balance
- Withdrawal in branch $1.25
- Cheque, preauthorized debit $1.25
- Direct payment purchase / point of sale $1.25
- ATM withdrawal or bill payment $1.25
U.S. Plan 24 Savings
- No service charges with minimum monthly balance of at least $1,000
- Withdrawal in branch $1.00
- Max balance $10,000
Youth/Student Account
- Youth = all members age 0 to 17
- Student = all members age 18 to 25
- At age 26 membership changed to regular or may qualify for milestone
- Maintenance fee $0.00
- A per item fee $0.00
- Cheque written by member returned NSF $25.00
Current Account - Pay Per Use
- Monthly maintenance fee, statement $6.75
- One free transaction for each $1,500 in minimum monthly balance
- Deposit $1.00
- Withdrawal in branch $1.00
- Cheque, preauthorized debit, preauthorized credit $1.00
- Direct payment purchase / point of sale $1.00
- ATM withdrawal or bill payment $1.00
- Cheque originally deposited and has been returned $6.00
Flat Fee Business Account
- Monthly maintenance fee for service package, statement $50.00
- Up to 75 transactions included
- After 75 transactions, a per item fee $1.00
- Cheque originally deposited and has been returned $6.00
- Operating line of credit mandatory
Flat Fee Agricultural Account
- Monthly maintenance fee for service package, statement $20.00
- Up to 50 transactions included
- After 50 transactions a per item fee $1.00
- Cheque originally deposited and has been returned $6.00
- Operating line of credit mandatory
Banking Service Charges
Bank drafts
- Canadian $7.50
Certified cheques
- Member’s request $10.00
- Third party request $25.00
Foreign cheques cashed
- Excludes all US currency cheques and American Express traveller cheques in any foreign currency $3.00
Money Orders
- Canadian $7.50
- U.S. $7.50
NSF cheque
- written by member which is returned $45.00
- NSF U.S. currency cheque written by member and returned $45.00
Overdraft
- handling fee per item fee $6.00
- unauthorized in account $6.00
Safety Deposit Box – annual rental fee
- Small box (1 ½ in.) $35.00
- Medium box (2 ½ in.) $45.00
- Large box (5 in.) $75.00
- rental billing notice mailed or late payment fee $25.00
Stop Payments
- Complete details $12.50
- Incomplete details, but must have amount $20.00
Transfer
- between accounts to cover overdraft $7.50
Traveller Cheques
- Standard cheques with single signature 1.00%
Utility bill payment
- Error correction $15.00