Fees

Chequing  |  Savings  |  Electronic  |  Youth  |  Convenience Services

Other Fees & Charges  |  Investments  |  Lending


Chequing Accounts

Standard Chequing  |  Regular Flat Rate  |  Premium Flat Rate  |  Other Fees

Standard Chequing Account
Charge per Debit Item $0.60
MasterCard® Global Payment Card
(Debit Transaction)
$0.50
Direct Payment Transactions $0.45
Personalized Cheques Cost
Business Cheques Cost
Encoded Counter Cheques $0.40
Cheque Certification
• Member
• Payee
$ 3.50
$ 9.00
Monthly Statements $2.50
ATM Transactions Specified Fees Apply

Personal Chequing (Regular Flat Rate) – Flat Fee: $11.00 per Month
  • Unlimited No Charge Chequing Debits
  • No Charge for Specified Personalized Cheques
  • No Charge for Direct Payment Transactions
  • No Charge for In-Branch Utility Bill Payment
  • No Charge for Cheque Certification by Member
  • Free Monthly Statements
  • No Charge Remote Banking (MemberDirect®, Bill Payment)
  • ATM Transactions – Specified Fees Apply
  • MASTERCARD® GLOBAL PAYMENT CARD and MEMBER CARD® Debit Card access
  • No Charge Travellers Cheques

Personal Chequing (Premium Flat Rate) – Flat Fee: $18.00 per Month
  • Unlimited No Charge Chequing Debits
  • No Charge for Specified Personalized Cheques
  • No Charge for Direct Payment Transactions
  • No Charge for In-Branch Utility Bill Payment
  • No Charge for Cheque Certification by Member
  • Free Monthly Statements
  • No Charge Remote Banking (MemberDirect®, Bill Payment)
  • ATM Transactions (in Canada)
    • 8 Free Withdrawals/Month
    • 2 Free Deposits/Month
    • 4 Free Transfer/Inquiries per Month
  • Free In-Person Transfers
  • MASTERCARD® GLOBAL PAYMENT CARD and MEMBER CARD® Debit Card access
  • No Charge for Travellers Cheques

Service Charges Applicable to both Standard and Flat Fee Chequing Accounts
In-Person Transfer $0.50
Telephone Transfer $3.00
Automatic Transfer to Cover Overdraft in PCA $3.00
Manual Transfer to Cover Overdraft in PCA $3.50
PCA Overdraft Accommodation Fee (per cheque paid) $7.50
NSF (per item) $35.00
Chargebacks (items returned to us) $7.00
Dishonoured Item (item returned by us) (EFT and paper entries) $4.00
Stop Payments $10.00
Processing Foreign Cheques (U.S.A. on Canadian Account) $4.25
Unqualified Clearing Item (not encoded) $4.00
Unauthorized MasterCard II Overdraft $22.00

Savings Accounts

PLAN 24® Account  |  Red Flame  |  U.S. Account

PLAN 24 Account
Charge per EFT Debit $0.60
Counter Withdrawals 5 free/Month
In-Person Transfer $0.50
Telephone Transfer $3.00
Manual Transfer to Cover O/D $3.50
Charge Backs (item returned to us) $7.00
ATM Specified Fees Apply

Red Flame Savings
Charge per EFT Debit $0.60
Counter Withdrawals 5 free/Month
In-Person Transfer $0.50
Telephone Transfer $3.00
Manual Transfer to Cover O/D $3.50
Charge Backs (item returned to us) $7.00

US Accounts (US Funds)
Account Fee (per month) $2.00
Debit Items $0.60
Stop Payments $15.00
Returned Items $20.00
Traces $22.00
Unpaid Item $5.00
Personalized Cheques cost

Electronic Accounts

Standard Electronic Banking Account  |  Premium Electronic Banking Account

Standard Electronic Banking Account – Flat Fee: $10.00 per Month
  • ATM transactions (In Canada) Including:
    • 12 Free Withdrawals/Month
    • 3 Free Deposits/Month
    • 5 Free Transfers/Inquiries/Bill Payments per Month
  • Free Remote Banking (MemberDirect®, Bill Payment)
  • Free MEMBER CARD® Debit Card / Global Payment MasterCard® Transactions
  • Free Automatic Fund Transfers

Premium Electronic Banking Account – Flat Fee: $12.00 per Month
  • Any 20 Canadian ATM Transactions a Month Including:
    • Withdrawals
    • Transfers
    • Inquiries
    • Deposits
    • Bill Payments
  • Free Remote Banking (MemberDirect®, Bill Payment)
  • Free MEMBER CARD® Debit Card / Global Payment MasterCard® Transactions
  • Free Automatic Fund Transfers

Youth Accounts

FAT CAT® Account  |  HEADSTART® Account

FAT CAT® Account
  • No service charges

HEADSTART® Account
Cheque / Debits 4 Free
$0.30 thereafter
Direct Payment Transactions 4 Free
$0.45 thereafter
ATM Transactions
• Deposits
• Withdrawals
• Inquiries

Free
4 Free
2 Free

Standard Rates Apply Thereafter
(See Below)


Convenience Services

MasterCard® Payment Card
MEMBER CARD® Debit Card
ATM Service
Remote Banking

MasterCard® Global Payment Card
Transaction Fee $0.50
Lost Cards
• Single  • Joint
$2.00
$3.00
ATM Fees (See Below)
RUSH Card Order (member request only) $15.00

MEMBER CARD® Debit Card
Transaction Fee $0.45
Lost Cards
• Single
• Joint
$2.00
$3.00

Automated Teller Machine Service
Alberta Credit Unions:
• Withdrawal
• Transfer
• Inquiries
• Deposits
$1.10
$0.65
$0.60
$1.00
INTERAC:
• Withdrawal
$1.10
Credit Unions (out of province):
• Withdrawal
• Transfer
• Inquiries
$1.10
$0.75
$0.75
CIRRUS (USA):
• Withdrawal
• Inquiries
$2.00
$1.25
CIRRUS (non-USA):
• Withdrawal
• Inquiries
$4.00
$2.00

Remote Banking (Bill Payment, MemberDirect®)
Account Balances $0.25
Transaction Information/List $0.25
Transfer Funds Between Accounts $0.25
Make a Loan Payment No Charge
General Information on Interest Rates and Office Hours No Charge
Bill Payment (per item) $0.75
View Cheque $0.10

Other Service Fees & Charges

Miscellaneous  |  Statements  |  Safety Deposit Boxes

Miscellaneous Services
Money Orders:
• Canadian
• US
$3.50
$4.00
Travellers Cheques Commission:
• Canadian
• US
1%
1%
Foreign Currency Drafts $6.50
US Draft $6.50
Utility Bill Payment (Telephone Bills, Atco, City, Cable, Epcor) $1.25
Credit Card Bills (Gas and Bank Cards) $1.50
Hold Funds (Members) $3.00
Wire Funds (to Alberta Credit Union) Cost + $6.00
Manager’s Trust Account Cheques (except loans) $3.50
Photocopies (per item) $0.30
FAX – Local Only (per sheet) $0.50
Postdated Cheques (except loan payments) $1.00
Certificate of Deposit Balance/Interest Paid $8.00
Closing Account Within First Three (3) Months $12.00
Inactive Account Search Fee (2nd & 5th anniversary) $18.00
Bank/Audit Confirmation $15.00
Third Party Demand $15.00
BOA to Other Institution $9.00

Statement Services
Duplicate Statement (trace and copy) $3.50
Interim Statement $2.50
Monthly Statements (PCA) $0.75
Quarterly Statements (savings, terms, RRSP) $0.75

Safety Deposit Boxes (per annum) plus G.S.T.
1.5″ x 5″ $34.00
2.5″ x 5″ $42.00
3.25″ x 5″ $48.00
5″ x 5″ $65.00
2.5″ x 10″ $65.00
5″ x 10″ $110.00
10″ x 10″ $210.00

Investment Services

RRSP Service Charges
Transfer Out to Other Institution $50.00

Lending Services

Mortgages  |  Loan Services

Mortgages
Mortgage Application Fee Cost
Mortgage Renewal Fee No Charge
Mortgage Transfer-In Fee No Charge
Property Inspections (CU) $50.00
Mortgage Transfer-Out Fee (request for documentation to assign mortgage to another financial institution) $80.00
Mortgage and Caveat Discharges No Charge

Loan Services
Security Documents
• Registration Fee
• Renewal Fee
• Lien Search
$2.00/yr.
$2.00/yr.
$3.00
Application Fee (Single Payment Loans) $25.00
Interim Financing (Plus Interest – CUP + 3%) $170.00
Loan Extension / Alteration $25.00
Delinquent Payment Notices / Letters $10.00

Office Hours
Monday & Tuesday 8:30 a.m. - 4:30 p.m.
Wednesday to Friday 8:30 a.m. - 5:00 p.m.

City Plus Branch
Monday to Friday 8:00 a.m. - 3:00 p.m.
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Legacy Savings & Credit Union Ltd.
1940 - 9 Ave SE, ph: 403.265.6050 Facebook
Calgary, AB T2G 0V2 fax: 403.265.8010
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City Plus Branch (Municipal Building)
5th floor, 800 Macleod Tr. SE, ph: 403.268.2626
Calgary, AB T2P 2M5 fax: 403.268.4886
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© 2017 Legacy Savings & Credit Union Ltd