Personal Account Options and Fees

Transcription

Personal Account Options and Fees
What’s Inside
Welcome to Conexus! We want to make it as easy as possible for you to have access to information about
our products and services.
In this guide you’ll not only find information about the different account packages you can choose at Conexus,
but also important telephone numbers and web site addresses you’ll want to keep close at hand.
Whether you are interested in doing your banking online, by phone or in person at one of our 47 branches
across the province, Conexus is here for you.
Table of Contents
Banking Services and Fees.......................2-4
Additional Information..................................5
- Line of Credit Protection
- Hold Period
- Cashing Government of Canada Cheques
- GLOBAL PAYMENT™ MasterCard®
- CHOICE REWARDS®
Additional Services
Information ....................................................6
- MEMBER CARD® Debit Card
- Protecting your PIN
- Member Contact Centre
- Voice Response Telephone Banking
- Online Banking
- Bill Payments
Opening an Account.....................................7
Our Service Commitment.............................8
Service Your Way...........................................9
Personal Accounts................................ 10-15
- Chequing Accounts
- Saving Accounts
-FreeStyle™ No-Fee Account
- Everyday Banking - Lifestyle Packages
- Everyday Banking - Young Adult Packages
- Special Services - Heritage & Youth
Your deposits at Conexus are automatically guaranteed by Credit Union Deposit
Guarantee Corporation.
• There is no maximum limit - whether your deposits total $100 or $1,000,000
they are fully guaranteed.
To learn more, visit www.cudgc.sk.ca
Call
1-800-667-7477
online at
www.conexus.ca
Visit your nearest
branch
Account Transaction Fees
The following are transaction fees that apply to personal accounts and unless otherwise indicated are applied in
Canadian dollars (except for US dollar accounts where the fees are charged in US dollars). These fees will be charged
for transactions that are not included in your Everyday Banking account packages, FreeStyle™ No-Fee Account or
Special Services benefits.
Account Transaction Fees
Fee per Item
Chequing Accounts
Basic
Maximizer
Savings Accounts
US
ConvPlus
High Interest
ATM Services*
Canada
Conexus ATM & Saskatchewan Credit Union ATM (ACCULINK®)
•
•
•
•
•
•
Account Balance Inquiries
Deposits
Withdrawals
Transfers
Bill Payments
Bill Payments (Heritage Services - 60 years+)
Out of Province Credit Unions (ACCULINK)
•
•
•
Deposits
Withdrawals
Transfers
Other Financial Institution
•
Withdrawals (INTERAC®)
United States & Foreign
•
Withdrawals (CIRRUS®)
FREE
FREE
$0.60
$0.60
$2.00
FREE
FREE
FREE
$0.60
$0.60
$2.00
FREE
N/A
N/A
N/A
N/A
N/A
N/A
FREE
FREE
$0.75
$0.75
$2.00
FREE
FREE
FREE
$5.00
$5.00
$5.00
$5.00
FREE
$0.60
$0.60
FREE
$0.60
$0.60
N/A
N/A
N/A
FREE
$0.75
$0.75
FREE
$5.00
$5.00
$2.50
$2.50
N/A
$2.50
$5.00
$4.00
$4.00
N/A
$4.00
$5.00
FREE
FREE
FREE
FREE
FREE
$0.65
$0.65
N/A
$0.75
$5.00
$0.65
$0.65
$0.60
$0.75
$5.00
$0.65
$0.65
$0.65
$0.80
$0.65
$0.65
$0.65
$0.80
N/A
N/A
$0.60
$0.80
$0.75
$0.75
$0.65
N/A
$5.00
$5.00
$5.00
N/A
$2.00
$2.00
$2.00
$2.00
$5.00
FREE
FREE
FREE
FREE
$5.00
$1.00
$1.00
$1.00
$1.00
$1.00
$1.00
$1.00
$1.00
$5.00
$5.00
* Non-Conexus ATM channels may charge their own fees for use
Transactions
Self Serve Transactions
•
Account Balances and History
(Online Banking/Voice Response)
•
Bill Payments
•
Transfers
•
Interac Direct Payment purchases*
•
GLOBAL PAYMENT™ MasterCard® purchases*
•
Pre-authorized debits
•
Cheques (per cleared item)
* Merchants may charge their own fees for use of this payment option
Other Transactions
•
•
•
•
Bill Payments
(In-branch/ATM/via TeleService)
Bill Payments - Heritage Services 60 years+
(In-branch/ATM/via TeleService)
Withdrawals (In-branch)
Transfers (In-branch)
®
INTERAC is a registered trade-mark owned by Interac Inc. and is used under license.
®
ACCULINK and MAXIMIZER are registered trade-mark owned by Credit Union Central of Canada , used under license.
CUETS Financial is a division of The Toronto-Dominion Bank.
All trade-marks are the property of their respective owners.
CUETS is a trade-mark of Credit Union Central of Canada, used under licence.
February 2015• Personal Account Options and Fees • Page 2
Additional Services & Fees
A variety of banking services are not included in our monthly account fees or Freestyle™ No-Fee Account and Everyday
Banking account packages. When you use these services, additional fees apply. The following fees are charged in Canadian dollars (except for US dollar accounts where the fees are charged in US dollars).
Fee Per Item
Certifying cheques
• Conexus customers
• Other
$10.00
$15.00
Chargebacks
• Canadian Accounts (all types)
• US accounts (US Funds)
$6.50
$6.50
Closing Membership/Account
• Membership and all accounts within 90 days
$25.00
Collection - Send Foreign Currency on collection
$10.00
Coverdraft (auto system transfer)
$2.50
Drafts & Money Orders
• Money orders - Canadian
• Foreign and US Drafts (any amount)
• Request for money order copy/trace request
*$15.00 fee for non-Conexus customers
$7.50*
$7.50*
$30.00
Duplicate Tax Slips
• T5, T4RSP, T4RIF, RRSP Official Receipts, etc
$15.00
Email Money Transfer
• To send
• To receive
$1.50 (non-refundable) (Free for Freestyle, Hertitage and Youth)
Free
Inactive Account Notification
$25.00
Non - Micro encoded cheques
$6.50
NSF items (per item)
$45.00
Overdraft items
$5.00 per item + interest at 21% per year
(rate may vary from time to time)
Personalized Cheques
Fees vary depending on style and quantity ordered
Photo Retrievals
• GLOBAL PAYMENT™ card transaction
• Cleared cheque
$6.50
$6.50
Post dated cheque in ATM or held for deposit
$6.50
Research of Historical Data
$30.00/hour, min of $15.00
RRSP, RESP, RRIF & TFSA
• Transfer out fee
Open for more than 1 year $50.00
Open less than 1 year $100.00
®
February 2015 • Personal Account Options and Fees • Page 3
Fee Per Item
Safety Deposit Box Rental (size and availability varies)*
•
•
•
•
•
Small
Medium
Large
XLarge
XXLarge
Safety Deposit Key Replacement*
•
One key
•
Two keys plus drilling (plus travel costs)
* All prices are plus GST
Statement fees
•
•
•
Manual statement copy
Special handling (do not mail etc.)
Statement on CD ROM (plus external processing fee)
Stop Payment
•
•
•
Complete information
Incomplete information
Entered online using Online Banking
Telephone Services
•
•
Account balances
Transfer requests by phone to branch/TeleService
(does not apply to Voice Response)
$42.00
$57.00
$92.00
$150.00
$250.00
$15.00
$125.00
$6.50
$6.50
$6.50
$15.00
$20.00
$15.00
$4.00
$6.50
Travellers Cheques (via AMEX)
•
Cheques for two (of value)
•
Traditional travellers cheques (of value)
*Minimum $5.00 fee for non-Conexus customers
Wires
•
•
•
•
To Canadian Financial Institution
To US Financial Institution
To Foreign Financial Institution
From Other Financial Institution
1% *
1% *
$20.00
$30.00
$40.00
$15.00
Additional Information
Line of Credit Protection
Line of Credit protection to avoid the inconvenience and cost
of dealing with temporary cash shortages is available on
approved credit. Protection is convenient and affordable as
the service only incurs a fee if it is used.
If approved for a Line of Credit, you may borrow up to the
credit limit set by Conexus. The Line of Credit interest rate is
determined at the time of application.
If items that exceed your limit are allowed to be processed to
your account, additional overdraft fees and interest will apply.
A $5 fee is charged for each overdraft item and overdraft
interest is charged at a rate of 21% per year (rate may vary
from time to time). The decision to allow overdraft items is at
Conexus’ sole discretion.
Hold Period
All deposits credited to your account are subject to clearing
and final payment. Deposits can be made during business
hours, through the ATM or by electronic deposit.
The credit union may place a hold on a deposit to determine if
it will be honoured when presented for payment.
The hold period varies depending upon the item being
deposited. For example, cheques deposited from foreign
banking institutions will have a longer hold than cheques
drawn on Canadian financial institutions.
GLOBAL PAYMENT™ MasterCard®/
Gold GLOBAL PAYMENT™ MasterCard
The GLOBAL PAYMENT MasterCard/ Gold GLOBAL
PAYMENT MasterCard provides you the convenience of
using MasterCard but debits your account in place of writing
a cheque. The MasterCard Payment Card is accepted at any
retailer that displays the MasterCard logo. With a PIN attached
to the card you can also use the card at ATM machines.
The payment card transaction does not clear your account
immediately. It could take up to three days to clear dependent
on when the retailer does its merchant deposits.
CHOICE REWARDS® Program
The CHOICE REWARDS MasterCard program allows
cardholders to collect and redeem points for merchandise,
charity and travel.
You collect points when you use your GLOBAL PAYMENT
MasterCard or Gold GLOBAL PAYMENT MasterCard for
purchases (ATM transactions and cash advances do not
qualify).
The points activity and balance of your CHOICE REWARDS
GLOBAL PAYMENT MasterCard is summarized quarterly on a
special CHOICE REWARDS statement.
Visit www.choicerewards.ca for details of the
CHOICE REWARDS program and to learn more.
A hold that reflects industry standards, may be placed on an
account for the total amount of the deposit.
The following is a guideline:
•
•
•
A cheque drawn on a Canadian bank in Canadian Funds
may be held from four to eight business days maximum
US dollar cheques drawn on a US financial institution may
require longer holder period
A cheque drawn on a foreign financial institution (not
including the United States) must be sent on collection
through your branch
Cashing Government of Canada Cheques if you do
not have a Conexus Account
A Government of Canada cheque may be cashed for a noncustomer without charge as long as the cheque is for $1,500
or less and acceptable identification is produced.
Acceptable ID for a Government of Canada cheque is:
• One piece of identification (ID) that has both a photo and
signature of the individual, such as a driver’s licence.
• If the individual does not have ID that shows both a photo
and signature, two pieces of ID are required.
• The identification must be the original ID - not a
photocopy.
CUETS is a trade-mark of Credit Union Central of Canada, used
under licence.
Additional Service
Information
MEMBER CARD® Debit Card
When you open your account a Conexus MEMBER CARD
debit card may be provided. When you attach a personal
identification number (PIN) to the card you will have access
to ATMs and to INTERAC® Direct Payment. It’s a simple way
to make purchases at more than 300,000 retailers and funds
are instantly debited from your account. You can access a
chequing or savings account using your MEMBER CARD.
Certain conditions may apply for access to your funds. (i.e. no
access to unverified funds)
6. Memorize your PIN – it’s your electronic signature. If
you suspect that someone knows your PIN, change it
immediately or contact your credit union to cancel the card
and obtain a new card.
7. When selecting your PIN, never use obvious information.
You could be liable for losses if you create your PIN by
using your telephone number, date of birth, address or
social insurance number.
8. Be aware of any changes regarding the look of the device
you are using. Has it changed in any manner that might
indicate a skimming device is attached? Report any
changes to Conexus Credit Union or the owner of the
device.
Protecting your PIN
You can help keep your money safe by protecting your PIN
and following these 10 important steps:
1. Use your hand, body or other blocking method such as a
piece of paper or envelope to shield your PIN when you
are conducting transactions at an ATM or at a point of sale
(POS) machine.
2. Never let your debit card out of your sight when
conducting a transaction at the point of sale. Only allow
your card to be swiped once and always remember to take
your debit card and transaction record with you once your
transaction is completed.
3. Regularly check your statements and balances to verify
all transactions have been properly documented. If entries
do not accurately reflect your transaction activities, for
example, if there are missing transactions or additional
unknown transactions, you should contact Conexus Credit
Union.
4. If your debit card is lost, stolen or retained by an ATM,
notify Conexus Credit Union as soon as you become
aware of the problem. Our Member Contact Centre
representatives are available Monday to Friday from 8
a.m. – 8 p.m. and Saturday from 8 a.m. – 4 p.m. If you’re
calling outside of those business hours,
dial 1-800-567-8111 (1-800-LOST-111).
5. Your debit card and PIN are the keys to your account(s).
Never disclose your PIN to anyone or you could be liable
for any losses. You are the only person who should know
it. Keep your card in a safe place and never lend it to
anyone.
9. Only conduct transactions when and where you feel
secure. If anyone tries to distract you, complete what you
are doing and retrieve your card before doing anything
else. If you cannot retrieve your card, call Conexus Credit
Union immediately.
10. In a proven case of fraud, victims are protected by the
Canadian Code of Practice for Debit Card Services and
will not suffer any financial losses. Each case is reviewed
on an individual basis.
Conexus Member Contact Centre
Call 1-800-667-7477
You can speak to a Member Contact Centre relationship
manager for inquiries, investments and loan applications.
Voice Response Telephone Banking
Call 1-800-567-0101
Conduct balance and history inquires, transfer funds or make
bill payments at your convenience. A Member Access Code
(MAC) is required to access Voice Response.
Online Banking
Visit www.conexus.ca to get general information or log on
with your Online Banking password to access your account
information. You can obtain account balances and new history,
transfer funds, make bill payments etc. at your convenience.
Bill Payments
Set your bills up once and then pay your bills at your
convenience. Bill payments can be made in person at
a branch or you can pay your bills quickly, easily and
conveniently through Online Banking or Voice Response
Telephone Banking.
®
MEMEBER CARD & MEMBER CARD DESIGN are a registered
certification marks owned by Credit Union Central of Canada, used under
license.
Opening an Account
In order to open an account at Conexus Credit Union, certain legislative conditions must be met.
You will be required to:
•
Complete account opening documentation
•
Provide your name, address, date of birth and occupation
•
Provide two pieces of identification
•
Only original, current and unaltered documents presented as identification can be accepted
•
Valid Identification consists of two pieces of identification from List A or one piece from List A and one piece from List B.
•
Valid foreign identification, if equivalent to an acceptable type of Canadian identification, is acceptable.
For example, a valid foreign passport is acceptable identification.
List A
•
Valid Canadian Drivers Licence (Photo and signature
required) NOTE: A drivers licence picture ID card is not
a valid driver’s licence unless it is accompanied by the
Annual Drivers Licence And Automobile Accident Insurance
Certificate.
•
Current Canadian Passport (Photo and signature required)
•
Provincial Health Card (only if it is not prohibited by provincial
or territorial legislation)
•
Certificate of Indian Status Card (Photo and signature
required)
•
Old Age Security card issued by the Government of Canada
•
Birth Certificate issued in Canada
•
Social Insurance (SIN) card
•
Provincial or Federal Canadian Government Issued ID card
(Photo and signature required)
•
Certificate of Canadian Citizenship
•
A Permanent Resident card or Citizenship and Immigration
Canada Form IMM 1000 or IMM 1442
•
•
Valid Foreign Passport
Nexus card
List B
•
Major Canadian Credit Card (Name & Signature required)
•
Student Identification Card issued from a known institution
•
Canadian Bank Debit/ABM Card - Other than Conexus
(Name & Signature required)
•
•
Workers Visa issued by the Government of Canada
Employee identity card with a photo issued by an employer
well known in the community.
When you open an account at Conexus you are governed by the Terms and Conditions for Financial Services.
For a copy of these terms and conditions, visit your local branch or view them online at
www.conexus.ca/Personal/ProductsandServices/Banking/Accounts
Our Service Commitment
Conexus is committed to delivering exceptional service to our customers and we hope you are happy with your experience! If your
experience with us does not meet our service commitment, we want to hear from you. It’s important you tell us so we can resolve
problems in a timely manner.
How can you resolve a problem?
Please let us know if you have any questions, complaints or concerns about your dealings with Conexus. If a problem occurs, it is
generally easier to assess the situation and come to a resolution at the point where the problem originated.
This may simply require a quick telephone call or a visit to your branch or the office involved. Talk to a Conexus representative
where you do your business or call 1-800-667-7477. If you are not satisfied with the response you get where the problem
originated, ask to speak with the manager, team leader or senior officer present. They will have the authority to solve most
problems immediately. The sooner you contact us the sooner we can begin working on a solution. It is preferable to follow this
suggested process to ensure your concerns are addressed in a fair and efficient manner.
Step 1
Step 2
Step 3
Conexus Credit Union
SaskCentral Ombudsman
Ombudsman for Banking
Services and Investments
What is the Conexus Ombudsman Office?
If your problem is not resolved after consulting your branch or the office involved, you are encouraged to contact the Conexus
Ombudsman Office which provides an impartial avenue of review for unresolved concerns. Our problem resolution specialists are
experienced in mediation, fact-finding and listening. We try to find solutions that work. Customer experiences are a vital source
of feedback for Conexus. Based on discussions with customers, the Conexus Ombudsman may make recommendations as
warranted to improve operational processes or products and services.
The Ombudsman Office can only review your concern after you have received a response from one of our Conexus
representatives. All complaints to the Ombudsman Office should be in writing. Please explain in your correspondence why the
problem has not been adequately resolved to your satisfaction.
Corporate Compliance Department/Conexus Ombudsman
Conexus Credit Union
550 Henderson Drive
Regina, SK S4N 5X2
Phone: 1-800-667-7477
Fax: 306-525-5599
Email: [email protected]
Service Your Way
Member Contact Centre:
Open 6 days a week, Monday to Friday - 8 a.m. - 8 p.m. and Saturday 8 a.m. - 4 p.m.
Call 1-800-667-7477
With Member Contact Centre you can speak to one of our helpful Relationship Managers about your banking
needs.
Online Banking:
Available 24 hours a day, 365 days a year.
Access your account by logging on to www.conexus.ca
Voice Response Telephone Banking:
Available 24 hours a day, 365 days a year
Call 1-800-567-0101
Voice Response is our automated telephone banking service.
In Branch:
Visit one of our many branches located across the province for all your banking needs.
Lost or stolen cards?
Call Member Contact Centre during regular hours.
After hours call:
Within Canada and continental U.S.A.
1-800-567-8111 (1-800-Lost-111)
Outside Canada and continental U.S.A.
1 (306) 566-1276 (collect)
® MEMBER CARD and Design are registered certification marks owned by the Credit Union Central of Canada, used
under licence.
® INTERAC is a registered trade-mark owned by Interac Inc. and is used under licence.
® Cirrus is a registered trademark owned by CIRRUS Systems Inc. and is used under licence.
® ACCULINK and Design are registered trademarks owned by Credit Union Central of Canada, used under licence.
Chequing Accounts
Features
Basic Chequing
Monthly transaction1 limit
Monthly fee
Pay as you go
MAXIMIZER® Chequing
Pay as you go
US Dollar Chequing
Pay as you go
(per transaction fees apply)
$1.50
$1.50
$1.50 USD
N/A
Maintain $1,500
minimum balance
N/A
Offers free banking if
(excludes in-branch & ATM bill payments)
Eligible for everyday banking
packages2
Lifestyle & Young Adult
N/A
N/A
Eligible for special services3
Heritage & Youth
Heritage & Youth
Heritage
Earns interest
N/A
ü
ü
tiered4
tiered5
Allows cheque writing
ü
ü
ü
Personalized cheques
At cost
At cost
At cost
Paper or Online
Paper or Online
Paper or Online
ü
ü
No ATM network
or
INTERAC® Direct Payment access
Monthly statement
(including imaged cheques)
Offers multi-channel banking
(Online Banking, Voice Response, Member
Contact Centre, ATM network & Interac® Direct
Payment)
Interest tiers
N/A
$0 - $1,500
$1,500.01 - $5,000
$5,000.01 - $15,000
$15,000.01 - $30,000
$30,000.01 +
$0 - $1,500
$1,500.01 - $5,000
$5,000.01 +
•
•
•
•
•
Deposits do not count as a transaction and do not incur service fees
Interest is calculated on the daily closing balance and paid monthly on the last day of the month
Line of Credit protection may be available (on approved credit)
GLOBAL PAYMENT™ MasterCard® or Gold GLOBAL PAYMENT MasterCard may be available (on approved credit)
NOTE: Cannot be attached to US Dollar Chequing
Additional fees may apply to the operation of your account, refer to pages 2-4 of this guide or www.conexus.ca/AdditionalServices
for details
Footnotes
1
2
3
4
5
Transactions include in-branch (withdrawals/transfers/bill payments), cheques, INTERAC Direct Payment & GLOBAL PAYMENT
MasterCard purchases, Conexus & Saskatchewan credit union and out of province ACCULINK® ATM, Online Banking and Voice Response transactions.
Refer to pages 13 or www.conexus.ca/Lifestyle for details
Refer to page 15 or www.conexus.ca/Heritage for details
Interest earned on MAXIMIZER Chequing is calculated using the interest rate for each tier and the portion of the daily closing
balance in each tier.
Interest earned on US Dollar Chequing is calculated using the interest rate from the tier that the daily closing balance falls in.
®
ACCULINK and MAXIMIZER are registered trade-marks owned by Credit Union Central of Canada, used under license.
®
Saving Accounts
Features
ConveniencePlus Savings
Pay as you go
($5.00 per transaction fee)
N/A
N/A
Maintain $5,000 minimum balance
(excludes in-branch & ATM bill payments)
N/A
Heritage & Youth
N/A
ü
Earns interest 4
Monthly statement
ü
tiered
tiered
N/A
N/A
Paper or Online
Paper or Online
ü
ü
(Online Banking, Voice Response, Member Contact Centre,
ATM network & Interac® Direct Payment)
Interest tiers
N/A
N/A
Eligible for everyday banking packages2
Eligible for special services3
Pay as you go
Monthly fee
High Interest Savings
$0 - $1,000
$1,000.01 - $3,000
$3,000.01 - $5,000
$5,000.01 - $10,000
$10,000.01 +
$0 - $5,000
$5,000.01 - $25,000
$25,000.01 - $60,000
$60,000.01 - $100,000
$100,000.01 +
•
•
•
Interest is calculated on the daily closing balance and paid monthly on the last day of the month
Additional fees may apply to the operation of your account, refer to pages 2-4 or www.conexus.ca/AdditionalServices for details.
NOTE: a $5 per transaction fee applies to the High Interest Savings Account
Footnotes
1
2
3
4
Transactions include in-branch (withdrawals/transfers/bill payments), cheques, INTERAC Direct Payment & GLOBAL PAYMENT™
MasterCard® purchases, Conexus & Saskatchewan credit union and out of province ACCULINK® ATM, Online Banking and
Voice Response transactions.
Refer to pages 13 or www.conexus.ca/Lifestyle for details
Refer to page 15 or www.conexus.ca/Heritage for details
Interest earned is calculated by using the interest rate from the tier that the daily closing balance falls in.
®
®
ACCULINK is a registered trade-mark owned by Credit Union Central of Canada , used under license.
FreeStyle ™ No-Fee Account
Features
Monthly fee
Monthly statetment (including imaged cheques)
Personalized Cheques
(Online Banking, Voice Response, Member Contact Centre, ATM network & INTERAC®
Direct Payment)
Unlimited2
No Fee
Yes
Paper or Online
At cost
Yes
•
•
•
•
•
•
•
•
FreeStyle is only available to personal members
Membership share is required to hold this account
FreeStyle™ is only available as a chequing account
No minimum monthly balance is required
This account does not earn interest
Line of Credit Protection may be available (on approved credit)
Additional fees may apply to the operation of your account, refer to pages 2-4 or www.conexus.ca/AdditionalServices for details
Footnotes
1
2
Transactions include bill payments/deposits/transfers/withdrawals, clearing cheques, pre-authorized debits and credits, Interac Direct Payment & GLOBAL PAYMENT MasterCard purchases, Conexus and Saskatchewan credit union and out of province ACCULINK® ATM transactions, Online Banking (including Interac e-Transfers) and Voice Response transactions.
Unlimited transactions do not include Other Financial Institution ATM withdrawals (Interac) or United States & Foreign ATM withdrawals (Cirrus®)
®
®
Everyday Banking
Lifestyle Packages
Features
Lifestyle
Low Fee
Lifestyle
Basic
Lifestyle
Plus
Lifestyle
Premium
Lifestyle
Platinum
10
15
Unlimited
self-serve 2
Unlimited
Unlimited
$4.00
$5.75
$11.00
$15.00
$25.00
ü
ü
ü
ü
ü
Paper or Online
Paper or Online
Online only
Paper or Online
Paper or Online
At cost
At cost
At cost
At cost
Includes 100/year
N/A
N/A
N/A
N/A
$25.00/year
Drafts or Money Orders
At cost
At cost
At cost
At cost
One free/month
Annual fee CHOICE REWARDS®
Gold
MasterCard® or Gold
GLOBAL PAYMENT™
CHOICE REWARDS
MasterCard
At cost
At cost
At cost
At cost
Waived
ü
ü
ü
ü
ü
Monthly fee
Monthly statement
(including imaged
cheques)
Safe deposit box discount
(subject to availability)
Offers multi-channel
banking
(Online Banking, Voice
Response, Member Contact
Centre, ATM network &
INTERAC® Direct Payment)
•
•
•
•
•
•
Lifestyle Packages can only be attached to a basic chequing account
Regular fees apply to over limit transactions
GLOBAL PAYMENT MasterCard or Gold GLOBAL PAYMENT MasterCard may be available (on approved credit)
Footnotes
1
2
Transactions include in-branch (withdrawals/transfers/bill payments, cheques), INTERAC Direct Payment & GLOBAL PAYMENT
MasterCard purchases, Conexus & Saskatchewan credit union and out of province ACCULINK® ATM, Online Banking and Voice Response transactions.
Self serve transactions include cheques, INTERAC Direct Payment & GLOBAL PAYMENT MasterCard purchases, Conexus &
Saskatchewan credit union ATM (excludes ATM bill payments), Online Banking and Voice Response transactions.
®
®
Everyday Banking
Young Adult Packages
Available to personal customers age 19-25 years.
Features
Young Adult Basic
Young Adult Plus
Young Adult Premium
15
Unlimited self-serve2
Unlimited
$3.00
$5.00
$7.50
10 or less
transactions/month
10 or less
transactions/month
10 or less
transactions/month
ü
ü
ü
At cost
At cost
At cost
Paper or Online
Online only
Paper or Online
ü
ü
ü
Monthly fee
Monthly statement
(including imaged cheques)
(Online Banking, Voice Response,
Member Contact Centre, ATM
network & INTERAC® Direct
Payment)
•
•
•
•
•
•
Young Adult packages can only be attached to a basic chequing account
Regular fees apply to over limit transactions
Footnotes
1
2
Transactions include in-branch (withdrawals/transfers/bill payments, cheques), INTERAC Direct Payment & GLOBAL PAYMENT
MasterCard purchases, Conexus & Saskatchewan credit union and out of province ACCULINK® ATM, Online Banking and
Self serve transactions include cheques, Interac Direct Payment & GLOBAL PAYMENT MasterCard purchases, Conexus &
®
®
Special Services
Heritage Services
Available to personal members at the beginning of the month they turn 60.
Benefits
•
•
Fees are waived for transactions1 on the following accounts:
•
Basic Chequing
•
MAXIMIZER® Chequing
•
US Dollar Chequing
•
ConveniencePLUS Savings
$10.00/year safe deposit box discount (subject to availability)
* Membership share is required
Youth Services
Available to personal members age 0 - 18 years (until the beginning of the month a youth turns 19)
Benefits
•
•
Fees are waived for transactions1 on the following accounts:
•
Basic Chequing
•
MAXIMIZER Chequing
•
ConveniencePLUS Savings
Reduced minimum amount required to purchase eligible term deposit investments
Note: A MEMBER CARD® debit card or cheque writing privileges for youth under 12 requires parental consent/indemnity
* Membership share is required
Footnotes
1
Transactions include withdrawals/transfers/bill payments, cheques, INTERAC® Direct Payment & GLOBAL PAYMENT™
MasterCard® purchases, Conexus & Saskatchewan credit union and out of province ACCULINK® ATM, Online Banking and
Additional fees may apply to the operation of your account, refer to pages 2-4 or www.conexus.ca/AdditionalServices for details.
®
®
MEMEBER CARD is a registered certification mark owned by Credit Union Central of Canada, used under license.
®
ACCULINK and MAXIMIZER are registered trade-mark owned by Credit Union Central of Canada , used under license.

Personal Account Options and Fees

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