Package Accounts & Service Fees

Effective January 1, 2006

Personal/Agricultural Chequing Accounts

  • Deposits no charge
  • Cheques and InBranch Withdrawals/Debit Items - .75
  • Electronic Debits POS, CUAnytime, Telebanking, Canadian CU-ATM) - .60
  • Monthly Statement Fee 1.00
  • Personal Cheques - Cost

Business Chequing Accounts

  • Deposits no charge
  • Cheques and InBranch Withdrawals/Debit Items - .90
  • Electronic Debits POS, CUAnytime, Telebanking, Canadian CU-ATM) - .75
  • Direct Payment (POS) .75
  • Monthly Statement Fee 1.00
  • Business Cheques - Cost

Masterplan Personal Account

Monthly Fee $10.50 Includes:

  • Up to 30 no charge cheques/debits (includes Telebanking and CUanytime transactions)
  • Free utility bill payments (includes phone, water, power, gas & CU Mastercard)
  • Free monthly statement
  • Free transfers(Automatic)
  • Free ATM Service at Canadian Credit Union ATMs
  • Package fees waived if minimum monthly balance is higher than $3,000 (applies to non-interest chequing account only)
  • Debit transactions over 30 items charged at regular rates regardless of minimum balance

Masterplan Supreme Personal Account

(Applies to only one account type per membership)
Monthly Fee $18.50 Includes:

  • Unlimited cheques/debits (includes Telebanking and CUanytime transactions)
  • Free utility bill payments (includes phone, water, power, gas & CU Mastercard)
  • Free monthly statement
  • Free transfers(Automatic)
  • Free ATM Service at Canadian Credit Union ATMs
  • ATM Service (Other ATMs) charges apply
  • Package fees waived if minimum monthly balance is higher than $7,500 (applies to non-interest chequing account only)

Masterplan Business Account

Monthly Fee $15.50 Includes:

  • Up to 30 no charge cheques/debits (includes Telebanking and CUanytime transactions)
  • Free utility bill payments (includes phone, water, power, gas & CU Mastercard)
  • Free monthly statement
  • Free transfers(Automatic)
  • Free ATM Service at Canadian Credit Union ATMs
  • ATM Service (Other ATMS) charges apply
  • Package fees waived if minimum monthly balance is higher than $7,500 (applies to non-interest chequing account only)
  • Debit transactions over 30 items charged at regular rates regardless of minimum balance

Masterplan Supreme Business Account

Monthly Fee 45.00 Includes:

  • Unlimited no charge cheques/debits (includes Telebanking and CUanytime transactions)
  • Free utility bill payments (includes phone, water, power, gas & CU Mastercard)
  • Free monthly statement
  • Free transfers(Automatic)
  • Free ATM Service at Canadian Credit Union ATMs
  • Free night deposit bag rental
  • ATM Service (Other ATMS) charges apply
  • Drafts, Money Orders, Certified Cheques at half price
  • Package fees waived if minimum monthly balance is higher than $25,000 (applies to non-interest chequing account only)

Fat Cat Youth Account (up to 11 years of age)

  • Unlimited no charge cheques/debits (includes Telebanking and CUanytime transactions)
  • Free ATM Service at Canadian Credit Union ATMs

Headstart Youth Account (11 to 18 years of age)

  • Unlimited no charge cheques/debits (includes Telebanking and CUanytime transactions)
  • Free ATM Service at Canadian Credit Union ATMs
  • ATM Service (Other ATMs) charges apply

Golden Account (60 years and over)

(Applies to only one account type per membership)

  • Unlimited no charge cheques/debits (includes Telebanking and CUanytime transactions)
  • Free utility bill payments (includes phone, water, power, gas & CU Mastercard)
  • Free personalized cheques (Basic, member pays cost of everything over basic))
  • No commission travellers cheques
  • Free monthly statement
  • Free transfers(Automatic)
  • Free ATM Service at Canadian Credit Union ATMs
  • ATM Service (Other ATMS) charges apply

Plan 24 Savings/Share Savings

  • Withdrawals/debits (4 free/month) - .60
  • ATM Service (Canadian CU ATMs)(4 free/month) - .80
  • ATM Service (Other ATMs) charges apply

ATM Charges

Personal/Agricultural Accounts:

  • Cash withdrawals (Other ATM) - 1.50
  • Transfers (Other ATM) - 1.50
  • Inquiries (Canadian CU ATM) no charge
  • Inquiries (Other ATM) - 1.50
  • Payments (Canadian CU ATM) - 1.00
  • Payments (Other ATM) - 1.50
  • Deposits (Canadian CU ATM) no charge
  • Deposits (Other ATM) - 1.50
  • Non CU member, Non ATB customer using our ATM - 1.50

Card Services

  • Replacement Mastercard or Membercard - 5.00
  • Mastercard photo retrievals (per copy) - 10.00

Safety Deposit Boxes

  • 2.5” x 5” - 50.00
  • 5” x 5” - 75.00
  • 2.5” x 10” - 85.00
  • 5” x 10” - 125.00
  • Replacement key - 50.00
  • Drill box - 200.00

Miscellaneous Charges

  • Account Inquiry by Phone - 3.00
  • Bank Confirmations - 30.00
  • Bill Payment - members (except CU Mastercard) - 1.50
  • Bill Payment - nonmembers (except CU Mastercard) - 5.00
  • Certified Cheques(member) - 7.50
  • Chargebacks – item returned to us 5.00
  • Cheque Cashing (non-member cashing non-member cheque) 1% (minimum $5)
  • Cheques Returned (non-imaged) 5.00
  • Cleared counter cheques 5.00
  • Close account fee (open less than 6 months) - 25.00
  • Dishonored item – returned by us - 5.00
  • Drafts – 6.00
  • Faxes - 1.00/page
  • History print outs - 1.00
  • Hold funds (in Alberta) - 5.00
  • Hold funds (out of province) - 10.00
  • Inactive account fee (per year) - 20.00
  • Item sent on collection - 10.00
  • Item received on collection - 10.00
  • Foreign currency sent for collection (non-US) - 5.00
  • Microfilm – item copy - 5.00
  • Money orders – 6.00
  • Night deposit bags (per year) 25.00
  • NSF fee – per item 35.00
  • O/D accommodation fee – 2 per year at 10.00/item, then 35.00
  • Overdraft letter (in addition to accomodation fee) - 10.00
  • Overdraft phone call (in addition to accomodation fee) - 10.00
  • Photocopies - .35
  • Photocopies from CUC - 5.00
  • RRSP transfer out fee - 35.00
  • Statement copies - 5.00
  • Stop payments - 10.00
  • Third party demands - 50.00
  • Tracing – charge per hour (minimum charge 15.00) - 30.00
  • Transfers – overdraft (staff decision) - 10.00
  • Transfers – telephone (completed by staff) - 10.00
  • Transfers – automatic - 1.00
  • Traveler’s cheque commission - 1.00%
  • Verification of Funds (phone call) - 5.00
  • Wire transfers - outgoing to CU in Alberta - 10.00
  • Wire transfers - outgoing to bank or out-of-province CU - 10.00 plus costs
  • Wire transfers - incoming (for deposit to member) - costs
  • Wire transfers - incoming (non-member) - 20.00 plus costs

Loan Services

Application Fees:

  • Consumer Loans - 50.00
  • Residential mortgage loans - no charge
  • Agricultural loans - 1/2 of loan request (minimum 100.00)
  • Commercial loans - 1/2 of loan request (minimum 200.00)
  • Letter of credit (minimum fee $100.00) 1.00%/yr
  • Merchant Mastercard - 50.00

Loan Amendment Fees:

  • Loan extension - 50.00
  • Change of security - 50.00 + costs
  • Rewrite - 50.00 + costs
  • Mortgage renewal - 50.00
  • Mortgage transfer (out) - 100.00

Security Fees:

  • Mortgage Documentation (title insurance option) - 400.00
  • Register caveat (includes all searches) - 150.00
  • PPSA registration (includes all searches) - 50.00
  • PPSA renewal (includes all searches) - 50.00
  • PPSA amendments (includes all searches) - 50.00

Other Fees:

  • Lien search - 25.00
  • Title search - 25.00
  • Delinquent notice/letter - 25.00
  • Delinquency phone call/visit - 50.00