Know what you’ll pay
We like to make life easier for you by offering a variety of ways to bank. Here are our account fees and service charges.
Early account closing:
| Account closed within 6 months of opening | $25.00 |
Balance of account processing:
| To C.U. | Free |
| To bank | $20.00 |
| Bank confirmation | $25.00 |
| Charge back | $7.00 |
Cheque processing, ordering and in-house printing:
| US$ cheque on CDN Account | $10.00 |
| Print cheque image (less than 6 months) | $2.00 |
| 24 emergency starter cheques – Personal | $15.00* |
| 24 emergency starter cheques – Business | $20.00* |
| All cheques are ordered through Davis & Henderson and billed directly to the account | See D&H for pricing |
Collection items:
| Incoming | $25.00 |
| Outgoing | $25.00 |
| Foreign | $25.00 |
| Garnishee | $35.00 |
| Coverdraft | $3.50 per transfer |
Electronic Funds Transfer to:
| Other B.C. Credit Union | $15.00 |
| Canadian Credit Union | $15.00 |
| Canadian F.I. | $25.00 |
| International | $45.00 |
| Incoming CAD | $20.00 |
| Incoming USD | $20.00 |
Official cheque (Draft):
| Canadian Dollar | $7.50 |
| Foreign Dollar | $15.00 |
| Canadian Dollar for members age 55+ | FREE |
Night depository:
| Disposable bags, each | $0.15* |
| Replacement key | $10.00* |
Safety Deposit Boxes (annual)
| Small | $35.00* |
| Medium | $45.00* |
| Large | $65.00* |
| Extra Large | $90.00* |
| Drilled (loss of both keys) | cost* |
| Key (loss of one key) | cost* |
| $5.00 Discount for SDB’s for members age 55+ | |
Miscellaneous
| Bill payment reversal request | $10.00 |
| Inactive/dormant member fee-annual | $60.00 |
| e-Transfer trace request | $10.00 |
| e-Transfer reversal request | $10.00 |
| Trace request | $12.50 |
| Un-encoded item | $10.00 |
| Statement: In-Branch (per statement) | $2.50 |
| Statement: Hold Service (per month) | $5.00 |
| Stop payment (partial details $17.50) | $12.50 |
| Unauthorized overdraft, per item | $5.00 |
| Returned Mail Processing | $5.00 |
| Registered Plan transfer out | $50.00 |
| Safekeeping agreement | Greater of 1% or $50.00 |
| NSF item | $40.00 |
| Post-dated transaction | $3.00 |
| Record search | $35.00/hr.
min. $20.00 |
| Reference Letter or Credit Check | $25.00 |
| Rejected clearing item | $6.00 |
Personal Lending Service Fees
Mortgages
| Appraisal | cost |
| Inspection | cost |
| State of Title Search | $25.00 |
| Mortgage consruction application | $750.00 |
| Mortgage construction inspection- first 3 draws | $250.00 |
| Mortgage construction inspection – subsequent draws | $150.00 |
| Mortgage discharge | $75.00 |
| Mortgage readvance (Credit Master) | $150.00 |
| Mortgage renewal | $75.00 |
Personal Loans
| PPSA registration and renewal | $100.00 |
| PPSA search | $20.00 |
Other Loan Fees
| Alteration-Payment/Extension | $25.00 |
| Substitution of Security | $50.00 |
| Late payment fee | $25.00 |
Monitoring Fees
| Onboarding fee (one time) | $500.00 |
| Monthly monitoring fee | $600.00 |
| Annual review fee (monitored account) | $250.00 |
| Late receipt of annual information package (per month) | $250.00 |
*Plus applicable taxes
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