All of our Chequing Accounts can be accessed electronically by
AFT, MEMBER CARD Debit Card® or GLOBAL PAYMENT MasterCard®.

CONSUMER ACCOUNT PACKAGE
$9.75/MONTH

• Member Direct Internet Banking
• unlimited debit transactions (AFT & EFT)
• free use of Credit Union ATM
• free point of sale
• free payment card
• free deposit services
• free Certified cheques
• free bill payment
• free Canadian Money Orders
• free travelers cheques
• free night deposit
• mailed statement
• $5.00 annual discount on safety deposit box
• Interac transactions $1.25
• CIRRUS transactions $2.00

COMMERCIAL ACCOUNT PACKAGE
$19.75/MONTH

• Member Direct Internet Banking
• unlimited debit transactions (AFT or EFT)
• free use of Credit Union ATM
• free point of sale
• free payment card
• free deposit services
• free Certified Cheque
• free bill payment
• free Canadian Money Orders
• free travelers cheques
• free night deposit
• $5.00 annual discount on safety deposit box
• Interac transactions $1.25
• Cirrus transaction $2.00
• Statement mailing fee of $1.00

MAXIMIZER:

• $.50 debit transaction (Electronic, Paper, Card, etc)
• $.50 Credit Union ATM withdrawal
• $1.25 Interac Transaction
• $2.00 Cirrus Transaction
• $.50 Per Bill Payment (Revenue Canada Free)
• $5.00 per none personalized or altered cheque
• $5.00 for Manager’s Trust Cheque (member request)
• $5.00 Member Certified Cheque
• $10.00 3rd party Certified Cheque or MTC
• $7.00 Stop Payment
• $3.00 Charge Backs Received
• $1.00 per mailed statement
• $3.00 Auto Transfer for OD coverage
• $50.00 Registered Plan Trans to Non CU Product
• $15.00 per bank confirmation

MAXIMIZER PACKAGE
$10.95 PER MONTH:

• Member Direct Internet Banking
• unlimited debit transactions (AFT & EFT)
• free use of Credit Union ATM
• free point of sale
• free payment card
• free deposit services
• free Certified cheques
• free bill payment
• free Canadian Money Orders
• free travelers cheques
• free night deposit (where available)
• $5.00 annual discount on safety deposit box
• Interac transactions $1.25
• CIRRUS transactions $2.00
• Statement mailing fee $1.00

HERITAGE ACCOUNT:
(MEMBERS 60 PLUS)

• Member Direct Internet Banking
• unlimited debit transactions (AFT & EFT)
• free use of Credit Union ATM
• free point of sale
• free payment card
• free deposit services
• free Certified cheques
• free bill payment
• free Canadian Money Orders
• free travelers cheques
• free night deposit
• mailed statement
• $5.00 annual discount on safety deposit box
• Interac  & Cirrus transactions included

STUDENT CHOICE ACCOUNT PACKAGE

SERVICES LISTED

• Member Direct Internet Banking
• free use of Credit Union ATM
• free point of sale
• free payment card
• free deposit services
• free bill payment
• free travelers cheques
• free night deposit
• $5.00 annual discount on safety deposit box
• Interac transactions $1.25
• Cirrus transaction $2.00
• $.35 per cheque
• $10.00 off 1st cheque order
• Statement mailing fee $1.00

YOUTH ACCOUNTS: FAT CAT &

HEADSTART:

• Member Direct Internet Banking
• Unlimited chequing
• free use of Credit Union ATM
• free point of sale
• free payment card
• free deposit services
• free travelers cheques
• free night deposit
• Interact transactions $1.25
• Cirrus transaction $2.00

Please note any non-personalized or altered cheques have a cost of $5.00

LOW FEE ACCOUNT:

Your credit union low fee account will provide you with the following services:

• At least 8 debit transactions per month (including self-serve transactions, such as: Internet, ATM), at least two of which can be done in-branch
  
• Low monthly fee (as with other service packages, regular transaction charges apply for transactions over the monthly limit)
  
• No charge for deposits
  
• Deposits are fully guaranteed
  
• Debit card included for qualifying members
  
• Free monthly statement or passbook record keeping
  
• Cheque writing privileges for qualifying members

NON PACKAGE ACCOUNT FEES PCA & SAVINGS:

• $.35 debit transaction (electronic, paper, card, etc)
• $.45 Credit Union ATM withdrawal
• $1.25 Interac Transaction
• $2.00 Cirrus Transaction
• $.50 Per Bill Payment (Revenue Canada & CU Credit Card Payment Free)
• $5.00 per none personalized or altered cheque
• $5.00 for Manager’s Trust Cheque (member request)
• $5.00 Member Certified Cheque
• $10.00 3rd party Certified Cheque or MTC
• $7.00 Stop Payment
• $3.00 Charge Backs Received
• $5.00 on returned item (stale date, body & figure, etc)
• $1.00 per mailed statement
• $2.00 per statement snap shot
• $3.00 Auto Transfer for OD coverage
• $50.00 Registered Plan Trans to Non CU Product
• $15.00 per bank confirmation

OVERDRAFT PROCESSING:

• $35.00 per NSF Item
• $5.00 per OD Item
• $15.00 per notice of overdraft
• $3.00 per charge back
• 24 % overdraft rate

SAFETY DEPOSIT BOX ANNUAL RENTAL:

• $25.00 Small
• $31.00 Medium
• $47.00 Large
• $67.00 Extra Large
• Cost to reorder
• Cost to drill box

OTHER FEES & CHARGES:

• Free transfer of Account to another CU
• $5.00 Transfer of Account to another FI
• $3.00 for Canadian Money Order
• $5.00 US Money Order
• $5.00 per bank draft
• $5.00 Cash Non-member Cheque (Our member cheque presented no charge)
• $5.00 Telephone Verification
• $5.00 per item reproduction fee
• 1% of value on travelers cheques
• $2.00 for non-member bill payment
• $1.00 per page to receive or send fax
• $10.00 plus cost for telephone transfers or wires (sending & receiving)
• $30.00 per hour for record search
• $5.00 per envelope courier (member)
• $10.00 per envelope courier (non-member)
• $1.00 per sheet for laminating

STANDARD MECHANT FEES:

• Set by CUETs
• Negociable based on Volume
• $.15 per debit card transaction

PAYMENT CARD PRODUCTS:

• $12.00/ annum Choice Rewards
• $96.00/ annum Gold Card $120.00 with Choice Rewards
• $150.00/ annum  Platinum Card all included

ALL PRICING TO COME INTO EFFECT OCT 2006

overdraft protection is available
Maximizer®
Five-tiered daily interest chequing account with interest calculated on the minimum daily balance and paid monthly.

Financial Services Agreement - Personal

Financial Services Agreement - Business