- Banking Services
- Internet Banking
- Payroll Deduction
- Deposit Insurance
- Ways to Bank
- Membership Rewards
Accounts
Membership Rewards
Regular Membership
Being a member of the credit union entitles you to many free services. For the first three months of membership, all service fees are waived giving you time to build your business with us and allowing us time to understand your banking needs. Rewards increase as your business increases.
Star Membership
When your total business (total of all of your deposits and loans) with the credit union reaches $15,000 or you’ve yet to reach the age of 30, you are automatically upgraded to Star Member status. If you don’t automatically qualify as a STAR you may purchase this package for $9.95 per month. Refer to the table below for the benefits associated with this membership package.
Gold Membership
With over $100,000 of total business (total of all of your deposits and loans) with the credit union, or if you’ve reached the golden age of 60, you gain Gold Membership status, entitling you to even greater rewards. Refer to the table below for the benefits associated with this membership package.
Platinum Membership
Star Members can upgrade to our Platinum Inclusive Package for only $14.55 per month.
Gold Members can upgrade to our Platinum Inclusive Package for only $10.55 per month.
Membership Package Comparison Chart
| Regular Membership |
Star Membership |
Gold Membership |
Platinum Membership |
|
| Buyer Protection Program (using Mcard or Cheques) |
Free | Free | Free | Free |
| Internet Home Banking Access |
Free | Free | Free | Free |
| Interac ABM Withdrawals |
$1.25 | 5 free per month | 5 free per month | Free |
| Interac Direct Payments (POS) |
$0.45 | 10 free per month | 10 free per month | Free |
| PLUS or CIRRUS Withdrawals (outside of Canada) |
$3.00 | $2.00 | $2.00 | $2.00 |
| Bill Payments (Home Banking or Telephone Teller) |
$0.35 | 10 free per month |
Free | Free |
| Bill Payments (Over the Counter) |
$3.00 | $2.00 | Free | Free |
| MSCU ABM Cash Withdrawals | Free | Free | Free | Free |
| In Branch Cash Withdrawals | $0.50 or free with $600 MMB | $0.50 or free with $600 MMB | Free | Free |
| Cheques and EFT Debits | $0.50 or free with $600 MMB | 10 free per month or all free with $600 MMB | Free | Free |
| Credit Union Drafts | $6.00 | $4.00 | Free | Free |
| EFT Credits | Free | Free | Free | Free |
| Transfers or Quick Draws (in branch or operator assisted) |
$0.50 or free with $600 MMB | $0.50 or free with $600 MMB | Free | Free |
| Telephone Teller / Homebanking | Free | Free | Free | Free |
| Cheque Certification | $5.00 | Free | Free | Free |
| Stop Payment | $10.00 | $7.00 | $7.00 | Free |
| Amex Travellers' Cheques | 1% | Free | Free | Free |
| Money Order (Canadian) | $5.00 | $4.00 | $4.00 | $4.00 |
| Money Order (U.S.) | $7.00 U.S. | $5.00 U.S. | $5.00 U.S. | $5.00 U.S. |
| Inactive/Dormant Account | $25.00 per year** | $25.00 per year** | $25.00 per year** | N/A |
** = With no activity, no RRSP or RRIF, and not a Trust account
MMB = Minimum Monthly Balance
ABM = Automated banking Machine
"In business" = the sum of all deposits, loan and mortgage balances
Additional Services
| Stop Payment - no funds to cover cheque | $35.00 |
| Cheque Certification by Third Party | $10.00 |
| Transfer Account Balance to Another Financial Institution | $25.00 |
| Wire Transfer | $25.00 |
| International Draft | $15.00 |
| RRSP/RRIF Transferred to another Financial Instition | $25.00 per transfer |
| RSP Withdrawals | $25.00 each |
| Lost MCard Replacement | 1 free per year then $5.00 |
| Retrieval of Past Statement | $5.00 each |
| Extensive Record Search | $25.00 per hour |
| EFT Returned from Another FI NSF | $35.00 |
| Tax Receipt Replacement | $10.00 each |
| NSF Cheque or Debit | $35.00 |
| Phone Call to Notify Item NSF | $15.00 |
| Unauthorized overdraft, max 24 hrs. | $10.00 |
