Chequing Accounts

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
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
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
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® 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 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
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
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*Terms and conditions apply. Rates are subject to change without notice. Specials offers may be changed, withdrawn or extended at any time, without notice. All products are subject to Legacy Financial lending criteria, fees and charges for residential properties. The advice on our website is prepared without knowing your personal objectives, fit for you. Legal Terms of Use apply.

A Division of ConnectFirst Credit Union