Personal Account Services and Fees
Effective January 1, 2015
ATM, Online and Telephone
Banking Services
Registered Plans
Transfer to another institution
$50.00/transfer
DUCA or THE EXCHANGE® ATM
transactions
Free
Withdrawals within 3 months of deposit
(excludes TFSA)
Canadian (non-DUCA ATM) Interac®
cash withdrawals
$2.00
Withdrawal from TFSA
Free
US$ ATM cash withdrawals
$3.00
RRIF payment by DUCA draft
Free
International ATM cash withdrawals
$5.00
Interac® point-of-sale transactions
$0.50
Online bill payments
$0.50
Online statements
Free
Interac® e-Transfers®
$1.50
Copy of receipt previously issued
$10.00
Change conditions on plan
$10.00
Additional Fees
Membership fee
(deducted annually)
Inactive account
(after 2 years, balance <$1,500)
In-Branch Services
$50.00
$5.00
$20.00/yr.
Bill payments
$0.75
Balance transferred to other institutions
$25.00
Cheque/EFT/Debit cleared
$0.30
Close account within 90 days
$25.00
Transfer to cover a cheque
Free
Items received for collection
0.10%/$30.00 min.
Cheque certification
$10.00
Stop payment
• With complete details
• With partial details
• No funds to cover cheque
Search of records (>6 months)
Minimum 2 hours
$30.00/hr.
per employee
$10.00
$15.00
$40.00
Audit confirmation (rush +$10)
$30.00 min.
NSF cheques/EFT
$40.00
Chargebacks
• Third party cheque
• Own cheque
Free
$40.00
Paper statement
Reprocessing fee
$6.00
Safety Deposit Boxes
Hold cheque/EFT
min. $15.00
Processing non-encoded cheque
$12.00
Temporary cheques (per dozen)
$12.00
Duplicate statement (> 6 months)
$5.00
Cheques not written in currency of acct.
$12.00
Draft
$7.00
Earn More Savings Account Transactions
(transfers, deposits, withdrawals)
$2.00
Fax statement
$10.00
Roll coins
$0.50 per roll
Garnishees require to pay letter
$50.00 min.
$2.00/month
1.5” x 5”
$40.00 (+ HST)
2.5” x 5”
$55.00 (+ HST)
2.5” x 10”
$85.00 (+ HST)
5” x 10”
$155.00 (+ HST)
10” x 10”
$250.00 (+ HST)
Replace key
$50.00
Drill box
at cost
Several of the service fees listed above are waived with a Personal Banking Bundle. For more details see reverse.
THE EXCHANGE® Network is a registered trademark owned by Fiserv Inc., licensed for use in Canada by FICANEX Services Limited Partnership.
Interac and eTransfer are Trademarks of Interac Inc. DUCA Financial Services Credit Union Ltd. is an authorized user of the Trademark
Personal Account Services and Fees
(Continued)
Effective January 1, 2015
International Wire/Draft Service
Under $2,500 $2,501-$10,000 $10,001-$25,000 $25,001-$50,000 $50,001-$75,000
Over $75,000
Incoming Transfer - Canada/US
$10.00
$15.00
$15.00
$15.00
$15.00
$15.00
Outgoing Transfer - Canada/US
$25.00
$25.00
$25.00
$50.00
$75.00
$100.00
Under €2,500 €2,501 -€10,000 €10,001-€25,000 €25,001-€50,00 €50,001-€75,000
Over €75,000
Incoming Transfer - Euro
€ 4.00
€ 8.00
€ 10.00
€ 10.00
€ 10.00
€ 10.00
Outgoing Transfer - Euro
€ 8.00
€ 12.00
€ 25.00
€ 50.00
€ 75.00
€ 100.00
US Dollar Savings/Chequing
Additional Foreign Currency Fees
US Draft
US $7.00
Transfer to/from other account to cover
cheque
US $10.00
Cheque cleared
US $1.50
Stop payment
US $40.00
NSF cheque
US $40.00
Go Euro Account
Account maintenance fee
Free
Cash deposits/ withdrawals
Free
Pensions
• Receipt required
• No receipt required
$2.00
Free
Global cheque/Foreign draft
$10.00
Stop payment on foreign draft
$25.00
Foreign currency collection items
(not US$) + bank charges
$5.00
Foreign deposits
(Euros, Pounds Sterling)
$7.00
Personal Banking Bundles
Daylight
No-Fee
Aim for more
Evermore
Premium
Evermore
Platinum
Feel Free
Charity
Free
Free
$9.00
$19.00
Free
Free
Cheques/EFTs
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Deposits/Withdrawals
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
DUCA or EXCHANGE® ATM
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Interac® purchase
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
IInterac® withdrawal (in Canada)
$2.00
3 free/mth*
5 free/mth*
Unlimited
Unlimited
Unlimited
Bill payment (in-branch/online)
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Draft (CDN)
$7.00
$7.00
Unlimited
Unlimited
Unlimited
Unlimited
Interac® e-Transfer
$1.50
3 free/mth*
3 free/mth*
Unlimited
$1.50
$1.50
Paper statement
$2.00
$2.00
$2.00
Free
Free
$2.00
At cost
At cost
10% discount
At cost
At cost
Monthly Bundle Fee
Safety deposit boxes
*Regular service charges apply once transaction limits have been met.
Free
(subject to availability)