Fees
You'll find our fees reasonable–even more so depending on your membership package.
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 |
