Package Accounts & Service Fees

Effective July 1, 2011

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
CAFT transactions – debits or credits - 0.15
CAFT setup - 50.00

Masterplan Personal Account
(applies to chequing accounts only)

Monthly Fee $10.50 Includes:

Up to 30 no charge cheques/debits (includes Telebanking and CUanytime transactions)
Unlimited on-line and telephone banking inquiries
Free mobile banking
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 chequing accounts only)

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

Unlimited cheques/debits (includes Telebanking and CUanytime transactions)
Unlimited on-line and telephone banking inquiries
Free mobile banking
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 (Interac ATM service subject to regular fees)
Free Drafts, Certified Cheques and Stop Payments
Package fees waived if minimum monthly balance is higher than $7,500 (applies to non-interest chequing account only)

Masterplan Business Account
(applies to chequing accounts only)

Monthly Fee $21.50 Includes:

Up to 30 no charge cheques/debits (not including CAFT transactions)
Unlimited on-line and telephone banking inquiries
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 $10,000 (applies to non-interest chequing account only)
Debit transactions over 30 items charged at regular rates regardless of minimum balance
CAFT transactions – debits or credits - 0.10

Masterplan Supreme Business Account
(applies to chequing accounts only)

Monthly Fee 45.00 Includes:

Unlimited no charge cheques/debits (not including CAFT transactions)
Unlimited on-line and telephone banking inquiries
Free utility bill payments (includes phone, water, power, gas & CU Mastercard)
Free night deposit bag rental
Free monthly statement
Free transfers (Automatic)
Free ATM Service at Canadian Credit Union ATMs(Interac ATM service subject to regular fees)
Free Drafts, Certified Cheques and Stop Payments
Package fees waived if minimum monthly balance is higher than $50,000 (applies to non-interest chequing account only)
CAFT transactions – debits or credits - 0.10

Fat Cat Youth Account (up to 11 years of age
(applies to only one account per individual)

Monthly Fee NO CHARGE. Includes:

Unlimited no charge cheques/debits/inquiries (includes telephone and internet banking transactions)
Free mobile banking
Free ATM Service at Canadian Credit Union ATMs

Headstart Youth Account (11 to 23 years of age)
(applies to only one account per individual)

Monthly Fee NO CHARGE. Includes:

Unlimited no charge cheques/debits/inquiries (includes telephone and internet banking transactions)
Free mobile banking
Free ATM Service at Canadian Credit Union ATMs
ATM Service (Other ATMs) charges apply

Pioneer Account (60 years and over)
(applies to only one chequing account per individual)

Unlimited no charge cheques/debits/inquiries (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

Participatory Savings

Debits (2 free/month) - 3.00

Plan 24 Savings

Debits (2 free/month) - .60

ATM Charges

All account types:

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 Member Card® - 10.00
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 (done by staff member) - 5.00
AFT Returns - 45.00
Bank Confirmations - 50.00
Bill Payment - members (except CU Mastercard) - 1.50
Bill Payment - non-members (except CU Mastercard) - 5.00
Chargebacks – item returned to us 5.00
Cheque Cashing (non-member cashing non-member cheque) 1% (minimum $5)
Cheque endorsement stamp - 10.00
Cleared counter cheques 5.00
Close account fee (open less than 6 months) - 25.00
Coin rolling - 1.00 per roll
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 - 30.00
Foreign currency sent for collection (non-US) - 10.00
Foreign currency special order (non-US) - 10.00
Foreign exchange conversion fee (non-members only) - 1% (minimum $5)
Foreign exchange drawn on Canadian funds cheque - 20.00
Microfilm – item copy - 5.00
Money orders – 6.00
Night deposit bags (per year) 25.00
NSF fee – per item 45.00
Overdraft accommodation fee - per item 45.00
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 - 75.00
Stand-up fee (per item) - 5.00
Statement copies - 5.00
Stop payments - 10.00
Third party demands - 50.00
Tracing – bills, cheques, statements charge per hour (min charge 30.00) - 30.00
Transfers – overdraft (staff decision) - 10.00
Transfers – telephone (completed by staff) - 10.00
Transfers – electronic - 0.60
Traveler’s cheque commission - 1%
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 - 30.00
Wire transfers - incoming (for deposit to member) - 10.00
Wire transfers - incoming (non-member) - 50.00 plus costs

Loan Services

Application Fees:

Consumer Loans - 100.00
Residential mortgage loans - no charge
Mobile Home mortgage application fee (no real estate held as collateral) - 250.00
Agricultural / 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 - 150.00
Change of security - 150.00 + costs
Rewrite - 150.00 + costs
Mortgage Amendment - 150.00
Mortgage renewal - 50.00
Mortgage discharge for transfer out/property sold - 250.00

Security Fees:

Mortgage Documentation (title insurance option) - 500.00
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
Black Book search - 10.00
Delinquent/unauthorized overdraft notice/letter - 25.00
Delinquency/unauthorized overdraft phone call/visit - 50.00
Late Payment fee - 30.00