Chequing Accounts
| Standard Chequing Account | |
| Charge per Debit Item | $0.60 |
| 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 |
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| Personal Chequing (Premium Flat Rate) Flat Fee: $18.00 per Month |
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| 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
| Elite Savings Account | |
| Charge per EFT Debit | $0.55 |
| Counter Withdrawals | $0.75 |
| In-Person Transfer | $0.55 |
| Internet Transfer | $0.55 |
| Manual Transfer to Cover O/D | $3.50 |
| Charge Backs (item returned to us) | $7.00 |
| ATM | Specified Fees Apply |
| 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 |
Electronic Accounts
| Standard Electronic Banking Account Flat Fee: $10.00 per Month |
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Youth Accounts
| HEADSTART® Account | |
| Cheque / Debits | 4 Free $0.30 thereafter |
| Direct Payment Transactions | 4 Free $0.45 thereafter |
| ATM Transactions • Deposits • Withdrawals • Inquiries | Free4 Free 2 Free Standard Rates Apply Thereafter (See Below) |
Convenience Services
| 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 |
Other Service Fees & Charges
| Miscellaneous Services | |
| Money Orders: • Canadian • US | $3.50 $4.00 |
| 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 |
