service charges - Interior Savings

Transcription

service
charges
we’re here for you.
service
charges
Effective June 1, 2011
chequing account fees
Self-service (SS) withdrawal
Any electronic withdrawal from a Credit Union ACCULINK ATM
in Canada, MemberDirect® and TeleTouch Banking withdrawals
and transfers; Interac® Direct Payment; pre-authorized debits,
cleared cheque withdrawals, etc.
Assisted-service (AS) withdrawal
Any withdrawal that requires the assistance of an Interior Savings
employee including branch withdrawals, transfers, cheques etc.
Transaction & over limit transaction fees
AS withdrawals
$0.80
Cleared cheques
$0.60
SS withdrawals
$0.50 (excludes cleared cheques)
total service packs
10 Pack $4.00
• 10
SS/AS withdrawals per month*
•
electronic statement and cheque images included
•
optional paper statement $1.00/month
•
optional paper cheque images $2.25/month
25 Pack $7.50
•
25 SS/AS withdrawals per month*
•
commission-free standard travellers cheques
•
•
optional paper statement and cheque images $1.00/month
60 Pack $12.00
personal chequing accounts
Basic Chequing
$3.00 monthly fee plus transaction fees
• monthly fee and transaction fees are waived if minimum
monthly balance exceeds $2,000.00*
• electronic statement and cheque images included
•
• optional
•
•
•
free Canadian and US drafts
•
$10.00 safety deposit box discount
•
•
Unlimited Pack $13.00
paper statement $1.00/month
• optional paper cheque images $2.25/month
•
unlimited SS/AS withdrawals per month*
•
Self Service Packs
•
free Canadian and US drafts
25 Pack $6.00
•
$10.00 safety deposit box discount
•
25 SS withdrawals per month*
statement and cheque images included
• optional paper statement $1.00/month
•
• electronic
•
Unlimited Pack $10.00
unlimited SS withdrawals per month*
statement and cheque images included
•
• electronic
*Excludes THE EXCHANGE®, Interac®, US, and International ATM withdrawals.
MemberDirect® & Design are trademarks owned by Credit Union Central of Canada, used under license.
®
Trademark of Interac Inc. The Credit Union is an authorized user of the Trade Mark.
THE EXCHANGE® is licensed for use in Canada by FICANEX Services Limited Partnership.
service
charges
Senior Package (ages 60+)
no fee, available on either a chequing or Plan24 Savings
• free Canadian and US drafts
• commission-free standard travellers cheques
• $5.00 safety deposit box discount
• includes electronic statement and cheque images
• optional paper statement available at no charge
• optional paper cheque images available at $1.25/month
•
•
MyChequing
for young adults age 18-24
• $5.00 monthly fee
• unlimited SS/AS withdrawals per month*
•
Fat Cat (ages 0-12) & Youth (ages 13-17) Packages
for members aged 17 and under
no fee, available on either a chequing or Plan24 Savings account
• 25 SS and 5 AS free withdrawals per month*
•
•
US Chequing
•
withdrawals, transfers, cheques etc. $0.75 each
personal savings accounts
Investment Savings
•
•
2 free SS/AS transfers per month†
o
ver limit transfers, and any withdrawals, $5.00 each
business & organization
chequing accounts
Basic Business Chequing
$6.00 monthly fee
& deposits $1.00 each**
• paper statement and cheque images included
• 4 signers at no charge***
•
• withdrawals
Business Packs
10 Pack $8.00 - 10 withdrawals or deposits per month
20 Pack $15.00 - 20 withdrawals or deposits per month
• 35 Pack $24.00 - 35 withdrawals or deposits per month
• over limit withdrawals & deposits $1.00 each**
• paper statement and cheque images included
•
•
Community Builders Chequing
•
25 free withdrawals or deposits per month
• over
limit withdrawals & deposits $1.00 each**
paper statement and cheque images included
• transaction fees waived if minimum monthly balance exceeds
$15,000.00
• savings accounts and non-transaction related services subject to
regular fees
• accounts with high activity may be assessed additional monthly fees
•
T-Bill Savings
•
•
5 free SS/AS withdrawals per month*
o
ver limit withdrawals, transfers, etc. $1.25 each
Plan24 and Tax Savings
free SS/AS withdrawals per month*
limit AS withdrawals $1.00 each
• over limit SS withdrawals $0.50 each
•2
• over
* Excludes THE EXCHANGE®, Interac®, US, and International ATM withdrawals.
** Excludes pre-authorized credits.
*** Five or more signers will be charged a one time fee of $25 each at account
opening or at the annual renewal period. At subsequent annual renewal periods,
the number of free signers will be dictated by the number set-up the previous
year. For changes outside the annual renewal period, a flat fee of $100 will cover
up to 4 signer changes; additional signers will be charged $25 each.
†
Valid only on transfers within Interior Savings Credit Union.
service
charges
General Service Cha r g e I t e m s
Account closed within 90 days of opening
Personal and business account
Junior account
Fee
$20.00
$10.00
ATM user fees (plus account withdrawal fee)
Withdrawals at any Credit Union ACCULINK®
ATM in Canada
EXCHANGE® and Interac® ATM withdrawals in
Canada
US and International ATM withdrawals
Over limit
$0.50
General Service Charge Items
Fee
$5.00/item
+ interest
Overdraft
Postdated item
(mortgage and loan payments excluded)
$3.00
Returned item
Charge back (personal and business)
$5.00
$1.75
NSF
$40.00
$2.00
Non-NSF returned item
$5.00
Business deposit book for non-business
accounts per book (plus GST)
$4.00
$35.00
Canadian cheque in US funds
$10.00
RRSP/RRIF/TFSA
Transfer to another institution
(excludes non-competing credit unions)
Collection items
Received
$20.00 +
draft fee
Sent
Dormant account administration
Up to 10 years
10 years or more
Drafts
No charge for Canadian and US drafts on Senior
Package and some Total Service Packs
$20.00 +
draft fee + bank fee
if applicable
$25.00/year
$100.00/year
$6.00
Funds transfer
Phone request or to cover overdraft
Interac® eTransfer (sent)
Interac® eTransfer (received)
$5.00
$1.50
No charge
MASTERCARD®
MasterCard® cash advance ATM charge
Any Credit Union ATM in Canada
Interac® ATMs
US & International ATMs
Rush application (within 10 days)
Used with permission by the Credit Union.
$38.00
Medium (2.5 x 5, 3.25 x 5)
$50.00
Large (2.5 x 10, 5 x 5)
$75.00
Coin (5 x 10)
$140.00
Extra large (10 x 10)
$240.00
E xception: $10.00 discount for some
Total Service Packs, and $5.00 discount
for Senior Package
Drilling box
Cost, $150.00
minimum
Replace key
Stop payment
$15.00
Full details provided
$10.00
$15.00
Full details not provided
Set up on MemberDirect Banking
$8.00
$5.00
$30.00/hour
$15.00 minimum
$2.00
$2.00
$3.50
$35.00/card
MasterCard is a registered trademark of MasterCard International Inc.
®
Small (1.5 x 5)
®
Items search
Within 90 days (cheques and images excluded)
More than 90 days
Safety deposit boxes (does not include GST)
Notice of Service Charge Increases
Members will be informed of service charge increases either in writing
30 days in advance, or by a notice posted in our branches at least 60
days in advance.
Complaint Procedure
Service charge complaints that have not been satisfactorily resolved
by Interior Savings staff should be referred to your Branch Manager
or in their absence, the Senior Vice President and Chief Operations
Officer, Suite 300, 678 Bernard Avenue, Kelowna BC V1Y 6P3,
telephone (250) 869-8200.
branch locations
Ashcroft
Kelowna
250-453-2219
Glenmore Branch
Barriere
250-672-9736
Chase
250-679-8831
Clearwater
250-762-2262
Kelowna Branch
Mission Branch
250-763-8144
Orchard Centre
Lillooet
Branch
250-256-4238
250-860-7400
Merritt
Rutland Branch
250-378-5181
250-469-6575
Kamloops
Lake Country
Lansdowne
250-766-3663
Branch
Okanagan Falls
www.interiorsavings.com
Commercial Services Centres
Kamloops 250-851-2814
Kelowna 250-469-6500
Telephone Banking
Kelowna 250-862-ISCU (4728)
Toll free outside Kelowna area
1-877-861-ISCU (4728)
250-497-8204
Summit Branch
Oliver
250-314-1210
250-498-3457
Tranquille Branch
Osoyoos
250-376-5544
250-495-8027
Valleyview
Vernon
Branch
250-545-1234
250-374-6676
Online and Mobile Banking
250-869-8300
250-674-3111
250-374-3361
other services
West Kelowna
250-469-6550
AC156 - 06/11
we’re here for you.

service charges - Interior Savings

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