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Service Fees
Overview of Account and Service Fees
Account related and other service fees such as cash handling, payment processing, and safe deposit boxes.
Account related fees apply to business and personal accounts.
Updated November 1, 2026.
AUTOMATED TELLER MACHINE (ATM)
| Service | Fee |
|---|---|
| Member Deposits | Free |
| Withdrawals/Transfers | Free |
| Non-Credit Union Withdrawals | $2.00 |
| US/International | $3.00 |
CARD SERVICES
| Service | Fee |
|---|---|
| Debit Card Replacement | $10.00* |
*Up to 3 per year. $25.00 per card thereafter.
CASH HANDLING FEES
| Service |
Fee
|
|---|---|
| Cash Deposits |
Free
|
| Cash Withdrawals |
$1.00 per $1,000
(over $10,000)
|
| Coin Deposits & Withdrawals | Free |
CHEQUES
Personal Cheques
| Cheque Order Options | Fee |
|---|---|
| 4 cheques | $7.00 |
| 12 cheques | $14.00 |
| 24 cheques | $20.00 |
| 48 cheques | $27.00 |
| 100 cheques | $32.00 |
Business Cheques
| Cheque Order Options | Fee |
|---|---|
| 12 cheques | $20.00 |
| 50 cheques | $40.00 |
| 100 cheques | $80.00 |
| 200 cheques | $110.00 |
| 500 cheques | $150.00 |
| Wallet | $1.50 |
| Register | $1.50 |
| Binder | $35.00 |
CHEQUE, DEPOSIT AND PAYMENT PROCESSING
| Service | Fee |
|---|---|
| Canadian Official Cheque | $5.00 |
| Non-Sufficient Funds (NSF) | $45.00 |
| Automatic Transfer to Cover Overdraft | $3.00 |
| Unauthorized Overdraft | $5.00 per item 21% interest charge |
| Stop Payment | $10.00 |
CLOSING ACCOUNTS
| Service | Fee |
|---|---|
| Accounts Closed Within 90 Days | $10.00 |
FOREIGN CURRENCY (OTHER THAN USD)
| Service | Fee |
|---|---|
| Buying Foreign Currency* | $20 |
| Selling Foreign Currency* | $20 |
| Settlement Of Foreign Cheques* | $3 |
*Service provider fee only.
INTERAC E-TRANSFER®
| Service | Fee |
|---|---|
| Send | $1.00 |
| Receive | FREE |
| Cancel | FREE |
| Request Money | $1.00 |
NIGHT DEPOSIT SERVICES
| Service | Fee |
|---|---|
| Key Replacement | $25 + GST |
| Additional Key | $12.50 + GST |
| Night Depository Envelopes (100) | $15 + GST |
| Disposable Night Depository Bags (100) | $24.50 + GST |
| Disposable Night Depository Bags (500) | $122.50 + GST |
| Reusable Night Depository Bags | FREE |
REGISTERED ACCOUNTS (FHSA, RDSP, RESP, RRSP, RRIF, TFSA)
| Service | Fee |
|---|---|
| TFSA Variable Account Withdrawals | 2 free/month; $1.25/additional |
| RRSP/RRIF/TFSA/RESP/FHSA Transfer Out | $75* |
| RESP Partial Transfer Out Fee | $195 + GST |
| Duplicate Tax Receipt Request | $5 |
| Specialized Estate Assistance Fee | $275/hour + GST (1 hr min.) |
| T3 Preparation/Return Filing Fee | $275/hour + GST (1 hr min.) |
| Early term redemption penalties** | Accrued interest (in 1st year) 1% interest adjustment (in subsequent years) |
*One fee per cheque issued. No charge if transferred to Access Credit Union Aviso Rep or Hubert Financial.
**Applicable to both registered and non-registered term deposits. Early redemption is subject to credit union and/or regulatory approval.
Legend:
RRSP - Registered Retirement Savings Plan
RRIF - Registered Retirement Income Fund
TFSA - Tax-Free Savings Account
RESP - Registered Education Savings Plan
FHSA - First Home Savings Account
RDSP - Registered Disability Savings Plan
SAFE DEPOSIT BOX ANNUAL RENTAL
Available box sizes may vary based on location. See your local branch for details.
| Box Size (21" length) | Annual Rental Fee (+ GST) |
|---|---|
| 1.5 x 5 | $25 |
| 2 x 5 | $25 |
| 2.5 x 5 | $30 |
| 3 x 5 | $30 |
| 3.5 x 5 | $35 |
| 5 x 5 | $40 |
| 2.5 x 10 | $75 |
| 3 x 10 | $75 |
| 3.5 x 10 | $75 |
| 5 x 10 | $80 |
| 10 x 10 | $175 |
SAFESTORE DEPOSIT BOX ANNUAL RENTAL
Available only at the Leila, Oakbank, and Riverbend branches.
| Box Size | Name | Annual Rental Fee (+ GST) |
|---|---|---|
| 1.8 x 9.25 x 14.9 | Safestore Mini | $60.00 |
| 3.3 x 9.25 x 14.9 | Safestore Small | $100.00 |
| 4.6 x 9.25 x 14.9 | Safestore Medium | $150.00 |
| 7.3 x 9.25 x 14.9 | Stafestore Large | $200.00 |
MAILED STATEMENT FEES
| Service | Fee |
|---|---|
| Personal Statements | $2 per month |
| Business/Organization Statements | $3 per month |
| International Addresses | Additional $5.00 per month |
* Members aged 19 and under, and 59 and over are exempt. Other exemptions apply.
WIRE FUNDS TRANSFER
| Service | Fee |
|---|---|
| Wire Transfer - Incoming | $10.00* |
| Wire Transfer - Outgoing Canadian FI | $15.00* |
| Wire Transfer - Outgoing US FI | $30.00* |
| Wire Transfer - Outgoing International FI | $30.00* |
| Wire Trace/Recall Requests - Domestic | $30.00 |
| Wire Trace/Recall Requests - International | $30.00 |
| Returned Wire | $30.00* |
*Additional fees from service providers may apply and will be charged at cost.
Legend:
FI – Financial Institution
FI – Financial Institution