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 $12.36
• Unlimited transactions

Regional Account

• Monthly maintenance fee for service package with benefits $12.36
• 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 $19.56
• Unlimited transactions
• Line of Credit Mandatory

Maximizer

• Maintenance fee, passbook $3.96
• 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 $50,000

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 $7.00

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 $7.00
• 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 $7.00
• 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 $4.00

Money Orders

• Canadian $7.50
• U.S. $7.50

NSF cheque

• written by member which is returned $50.00
• NSF U.S. currency cheque written by member and returned $50.00

Overdraft

• handling fee per item fee $7.50
• unauthorized in account $7.50

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 $10.00

Utility bill payment

• Error correction $15.00