SERVICE SERVICE - Sunshine Coast Credit Union

MISCELLANEOUS (general)
$
Account closed (open less than 90 days)
25.00
Balance of account transfer*
20.00
Inactive account – annually
25.00
Reference letter – account balance
15.00
Reference letter – bank verification
20.00
Reference letter – interest earned
15.00
Voucher search – less than 30 days
5.00
Voucher search – more than 30 days
30.00 / hr., min. 15.00
RRSP, RRIF or TFSA transfer out
50.00
0
Rejected clearing items
5.00
Traveller’s cheques
1% of sale
Traveller’s cheques for two
1.5% of sale
Post dated cheques, held for deposit
3.00 per item
Telephone request for transfer
4.00
System transfer to cover overdraft
4.00
Statement prepared in branch
5.00
Chargebacks
5.00
Cheque drawn on non-chequing account
5.00
cost
Bill payment tracing
cost
Replace lost night deposit key
10.00
Returned mail processing fee
Inclusion of cheque images with printed statements~ 1.00/month
* except when transferred to another credit union
TELEPHONE TRANSFERS
$
To credit union in BC
To credit union outside BC or bank
International
10.00
20.00
cost + 7.00
(U.S.) 6.75
U.S. DRAFT
SAFETY DEPOSIT BOXES
Sizes:
Small
Medium
Large
Extra Large
Drilling box
Replacing lost key
35.00 plus GST
45.00 plus GST
70.00 plus GST
100.00 plus GST
Cost plus 25.00
Cost plus 10.00
Regular
SCCU ATM
Other B.C. credit union ATM
EXCHANGE® ATM
Interac® ATM
U.S. ATM
International ATM
Headstart /Student
.65
.65
.65
2.00
3.00
.25
.25
.25
2.00
3.00
5.00
5.00
Fee to replace lost card
Appraisals
Inspections
Title Search
Registry and solicitor fees
cost
cost
cost
cost
75.00
Discharge and transfer out
3 months interest or interest differential
Early renewal
85.00
Renewal
nil
Transfer in from other Financial Institution
[email protected]
Sechelt Branch
P.O. Box 375, 5655 Teredo Street
Sechelt, B.C. V0N 3A0
Telephone: 604-740-2662 Fax: 604-885-3278
Toll Free 1-800-320-4588
BRANCH HOURS
Gibsons & Pender Harbour Branches
.75
.75
.75
2.00
3.00
5.00
Tuesday to Thursday: 9:30 am - 5 pm
Friday: 9:30 am - 6 pm Saturday: 9:30 am - 2 pm
5.00
Sechelt Branch
Monday to Thursday: 9:30 am - 5 pm
Friday: 9:30 am - 6 pm Saturday: 9:30 am - 2 pm
Automated Teller Machines (ATMs) available at all branches.
EXCHANGE® ATM locations can be found at
www.the-exchange.ca
THE EXCHANGE® Network has no surcharges.
MemberLink® Telebanking
1 855-590-1136
Website / MemberDirect® Online Banking
www.sunshineccu.com
BILL PAYMENT CHARGES
cost + 15.00
min. 20.00
MORTGAGES
Pender Harbour Branch
P.O. Box 28, 12887 Madeira Park Road
Madeira Park, B.C. V0N 2H0
Telephone: 604-740-2662 Fax: 604-883-9475
Toll Free 1-800-320-4588
Business
* Some institutions have additional surcharges;
THE EXCHANGE® Network has no surcharges.
cost + 25.00
cost
Sunshine Coast Credit Union
[email protected]
AUTOMATED TELLER MACHINE (ATM) CHARGES
charges are included in package fee, as long as maximum number
of transactions is not exceeded.
PPSA - registration
- renewal
Lien search
Alterations
Gibsons Branch
985 Gibsons Way
Gibsons, B.C. V0N 1V8
Telephone: 604-740-2662 Fax: 604-886-4831
Toll Free 1-800-320-4588
[email protected]
6.75
OFFICIAL CHEQUE (CDN)
- if operating within a package account SCCU and EXCHANGE® ATM
MISCELLANEOUS (loans)
Sunshine Coast Credit Union
Administration Office
MemberLink®
MemberDirect®
Telebanking
Online Bkg
In-branch
Regular
.75
.75
1.50
Headstart/Student
.30
.75
Business
.75
.30
.75
1.50
985 Gibsons Way
Gibsons, B.C. V0N 1V8
Telephone: 604-886-2122 Fax: 604-886-0797
Toll Free 1-866-886-2132
[email protected]
ADMINISTRATION HOURS
Monday to Friday: 8:30 am - 5:00 pm
OTHER
15.00
Letter of interest paid (income tax)
cost + 25.00
Registration of Certificate of Title
1%, min. 25.00
Letter of Credit
5.00
Automatic loan payment reversed
Non-member traveller’s cheques cashed (max. $500)
2% of sale
Non-member USD Cash Exchange (max. $500)
(U.S.) 2% of sale
® Registered trademarks, used under license.
Effective July 2016.
Some fees subject to change.
.
SERVICE
Charges
REGULAR CHEQUING
$
Monthly service charge
Cheque dishonoured by credit union
Overdraft charge, per item
System transfer to cover overdraft
Telephone request for transfer
Cheques, encoded, per item
Cheques, non-encoded, per item
Rejected items, per item
Preauthorized payments
Direct payment purchases
Stop payment order
Processing cheque drawn in U.S. funds on CDN account
Cheque sent/received for/on collection
Personalized cheques (printing)
Additional starter cheques / per page
Line of Credit, monthly fee
Bill payments
- in-branch
- by MemberLink® Telebanking, MemberDirect®
Online Banking
ATM cash withdrawals (see back panel)
Fee to replace lost ATM card
Deposits at SCCU (in-branch, ATM, night depository)
Withdrawals (in-branch)
Interac® e-Transfer
1.50
42.00
5.00
4.00
4.00
.75
5.00
5.00
.75
.65
13.00
13.00
18.00
cost
2.00
min. 2.50
1.50
.75
HEADSTART® YOUTH CHEQUING (ages 10 - 18)
$
No monthly service charge
- 10 debits per month allowed, no charge.
(Non-EXCHANGE® ATM transactions not included in 10 free debits)
After 10 debits, fees apply as follows:
Cheques, encoded, per item
.30
Pre-authorized payments
.30
Direct payments
.25
Overdraft charge, per item
5.00
System transfer to cover overdraft
4.00
Telephone request for transfer
4.00
Bill payments
- in-branch
.75
- by MemberLink® Telebanking, MemberDirect® Online
Banking
.30
ATM cash withdrawals (see back panel)
Deposits at SCCU (in-branch, ATM, night depository)
FREE
Withdrawals (in-branch)
.75
Interac® e-Transfer
1.50
MAXIMIZER®
Monthly service charge
11.00
No monthly fee if a minimum balance of $3000 is maintained.
- monthly fee includes a maximum 30 debit transactions per
Monthly service charge
.75 / .60
month as follows: withdrawals at all BC credit union ATMs
and EXCHANGE® ATMs, withdrawals (in-branch), cheques,
(See Regular Chequing for standard fees on transactions in excess of
the maximum 50 per month and for other services not listed above).
direct payment purchases, pre-authorized payments, bill
payments processed through MemberLink® or
MemberDirect®.
HEADSTART® YOUTH e-CHEQUING (ages 10 - 18)
Deposits at SCCU (in-branch, ATM, night depository)
FREE
(See Regular Chequing for standard fees on transactions in excess of
the maximum 30 per month and for other services not listed above).
MAXIMIZER®
PLUS
Monthly service charge
17.00
- monthly fee includes an unlimited number of the same
transactions outlined in Maximizer. Also includes in-branch
bill payments, monthly line of credit fees, official cheques,
traveller’s cheques, U.S. drafts, some personalized cheque
orders and basic cheque wallets.
All the same features as Regular e-Chequing apply with the
exception of reduced fees as follows:
Monthly service charge
In-branch withdrawals and transfers.
$
(U.S.) 1.50
(U.S.) .75
(U.S.) 5.00
(U.S.) 4.00
(U.S.) 4.00
PLAN 24 SAVINGS
Preauthorized payments
Direct payment purchases
Bill payments
- in-branch
- by MemberLink® Telebanking, MemberDirect®
Online Banking
ATM cash withdrawals (see back panel)
Deposits at SCCU (in-branch, ATM, night depository)
Withdrawals (in-branch)
Interac® e-Transfer
.75
.65
1.50
.75
FREE
0.75
1.50
HEADSTART® YOUTH PLAN 24 SAVINGS (ages 10 - 18)
INVESTMENT SAVINGS
7.00
- monthly fee includes a maximum 50 electronic debit transactions
per month as follows: withdrawals at all B.C. credit union ATMs
and EXCHANGE® ATMs, direct payment purchases,
preauthorized payments, bill payments processed through
MemberLink® or MemberDirect®.
Other services
In-branch withdrawals and transfers
Monthly charge
Cheque charge, per item
Overdraft charge, per item
System transfer to cover overdraft
Telephone request for transfer
The same reduced fees as in HEADSTART® Youth Chequing apply.
e-CHEQUING PACKAGE ACCOUNTS
REGULAR e-CHEQUING
5.00
FREE
0.75
1.50
U.S. DOLLAR CHEQUING ACCOUNT
Preauthorized payments
Direct payment purchases
Bill payments
- in-branch
- by MemberLink® Telebanking, MemberDirect®
Online Banking
ATM cash withdrawals (see back panel)
Deposits at SCCU (in-branch, ATM, night depository)
Withdrawals (in-branch)
Interac® e-Transfer
.75
.65
1.50
.75
FREE
0.75
1.50
GOLDEN ACCOUNTS (for those 60+)
2.00
.75 / .30
(See HEADSTART® Youth Chequing for standard fees on transactions
in excess of the maximum 50 per month and for other services not
listed above).
No standard service charges on CDN accounts,
with the following exceptions:
- non-EXCHANGE® ATM
- U.S. and International ATM
Reduction on safety deposit box rental fees
Interac® e-Transfer
BUSINESS CHEQUING
Monthly service charge
Cheques, encoded, per item
Cheques, non-encoded, per item
Rejected items, per item
Direct payment purchases
Preauthorized payments
Business cheques, printing order
Cheque holders/binders
Additional starter cheques / per page
In-branch withdrawals or transfers
System transfer to cover overdraft
Telephone request for transfer
MemberDirect® Online transfer
MemberLink® Telebanking transfer
Chargebacks
Cheque dishonoured by credit union
Stop payments
Overdraft charge, per item
Collections sent and received
Line of Credit, monthly fee
Annual account review
Customer Automated Funds Transfer (CAFT)
Night depository bags
Bill payments
- in-branch
- by MemberLink® Telebanking, MemberDirect®
Online Banking
ATM cash withdrawals (see back panel)
Deposits at SCCU (in-branch, ATM, night depository)
Coin orders
Interac® e-Transfer
BUSINESS SAVINGS
Fees from Business Chequing applicable to savings accounts.
2.00
3.00/5.00
1.50
STUDENT e-CHEQUING (ages 19 - 24)
For those enrolled in post-secondary education.
The same reduced fees as in HEADSTART® Youth e-Chequing apply.
(See Regular Chequing for standard fees on services not listed above).
Deposits at SCCU (in-branch, ATM, night depository)
$
5.00
.75
5.00
5.00
.75
.75
cost
cost
3.00
.75
4.00
4.00
.75
.75
5.00
42.00
13.00
5.00
18.00
min. 2.50
negotiable
negotiable
cost
FREE
No charge for deposits and in-branch transfers* (*except e-chequing and business accounts)
1.50
.75
FREE
FREE
1.50