Service Fees

Personal Accounts Expand/Collapse


In-branch and pre-authorized deposits Free
Pre-authorized withdrawals $0.65
Point-of-sale withdrawals $0.65
Online bill payments $0.65
Interac e-transfers Free
Online transfers (SPARK to SPARK account only) Free
Cheque cashing $0.65
NSF (cheques, electronic fund transfers, loan/mortgage payments, and pre-authorized withdrawals/deposits) $45.00
Accomodation fee $25.00
Chargebacks $10.00
ATM deposits (all Canadian credit unions) Free
ATM withdrawals (all Canadian credit unions) $0.90
ATM withdrawals (Interac network, other Canadian FIs and ABMs) $0.90
ATM bill payments (Alberta CU) $1.50
US ATM withdrawals (Cirrus & Maestro) $1.50
International ATM withdrawals (Cirrus & Maestro) $1.50
Canadian $ bank drafts $7.00
US $ bank drafts $7.00 USD
Paper statements $1.50/month
Stop payments

$12.50 if complete details provided

$20.00 if incomplete details provided

Bill payment traces/recalls $25.00
Late loan payment fee $25.00
Cross-border debit (US cheque cleared through Cdn account and vice versa) $15.00/item
Incoming collection item $30.00/item
Outgoing collection item $30.00/item
Transfer out fee (RRSP, TFSA, RRIF, and RESP) $50.00/transfer
4 personal cheques $3.00
12 personal cheques $6.00
24 personal cheques $8.00
48 personal cheques $10.00
100 personal cheques $14.00
200 personal cheques $19.00

Business Accounts Expand/Collapse

In-branch and pre-authorized deposits Free
Pre-authorized withdrawals $0.80
Point-of-sale withdrawals $0.80
Online bill payments $0.80
Interac e-transfers Free
Online transfers (SPARK to SPARK only) Free
Cheque cashing $0.80
NSF (cheques, electronic fund transfers, loan/mortgage payments, and pre-authorized withdrawals/deposits) $45.00
Accomodation fee $25.00
Chargebacks $25.00
ATM deposits (all Canadian CU) Free
ATM withdrawals (all Canadian CU) $1.50
ATM withdrawals (Interac network, other Canadian FIs and ABMs) $1.50
ATM bill payments (Alberta credit unions) $1.50
US ATM withdrawals (Cirrus and Maestro) $1.50
Foreign ATM withdrawals (Cirrus and Maestro) $1.50
Canadian $ bank drafts $7.00
US $ bank drafts $7.00USD
Paper statements $2.50/month
Stop payments

$12.50/item if complete details provided

$20.00/item if incomplete details provided

Bill payment traces/recalls $25.00/item
Cross border debit (US cheque cleared through Cdn account and vice versa) $15.00/item
Incoming collection items $30.00/item
Outgoing collection items $30.00/item
50 business cheques $25.00
100 business cheques $50.00
200 business cheques $75.00

Miscellaneous Fees Expand/Collapse

Wire transfers

Incoming from other credit unions $15.00
Outgoing to other credit unions $15.00
Incoming from other Canadian financial institutions $15.00
Outgoing to other Canadian financial institutions

$25.00

Incoming from US financial institutions $15.00
Outgoing to other US financial institutions $25.00
Incoming from FIs outside of Canada and US $15.00
Outgoing to FIs outside of Canada and US $45.00

Other

Account closing withing 90 days of opening $20.00/item
Research fee $10.00/item

Inactive account fee

$25.00/year

Changes to Service Fees (effective February 2016) Expand/Collapse


Account type Current fee waiver threshold

Eco Business Account($35/month)

$10,000
Enriched Business Account ($70/month) $25,000

We will also be changing and implementing new fees on our Personal and Business accounts. A full list of the changes are available below.

Service Type
Fees
NSF cheques/ pre-authorized debit/loan payment $45.00
Stop payments

$12.50 per item if complete details are provided

$20.00 if partial details provided

CAD$ bank drafts $7.00
USD$ bank drafts $7.00
Cross border cheque debit $15.00

Dormant account fee (no deposit or withdrawal activity for 24 consecutive months)

$25.00/year
Collection items (incoming) $30.00
Collection items (outgoing) $30.00
Incoming wire transfers from other CUs $15.00
Incoming wires from other Canadian FIs $15.00
Incoming wires from other US FIs $15.00
Incoming wires from foreign FIs $15.00
Outgoing wires to other CUs $15.00
Outgoing to other Canadian FIs $25.00
Outgoing to other US FIs $25.00
Outgoing to other foreign FIs $45.00

Miscellaneous Fees

Balance of Account Transfer (for non-registered fund transfers mailed directly to other FI) $20.00

Bank card replacement

1 free per calendar year, then:

$5.00
Duplicate copies (printed or emailed): T-slips, RRSP receipts, statements, copies of cheques $10.00 per item
Letter of confirmation of funds

$10.00 per letter

Principal and/or interest letter (for loans, mortgages, and investment products) $10.00 per letter