Pricing

 

EFFECTIVE FEBRUARY 1, 2016

All pricing is subject to change without notice. For more information about North Sydney Credit Union's service charges, please call our Branch at 794-2535.

TRANSACTION FEES                                                                                      CHEQUING   

 

 YOUR Credit Union ATM Withdrawal

 $1.00

 YOUR Credit Union ATM Bill Payment

  $1.00

 

 EXCHANGE and ACCULINK® ATM Withdrawal

  $1.00

 

 INTERAC Network (Domestic) ATM Withdrawal

 $1.75

 PLUS Network (International) ATM WIthdrawal

 $4.00

 GLOBAL PAYMENT MasterCard

  $0.90

 MemberDirect Online Banking - Inquiry

 free

 MemberDirect Online Banking - Transfer

 $1.00

 MemberDirect Online Banking - Bill Payment

  $1.00

 TeleService Telephone Banking - Inquiry

  free

 

 TeleService Telephone Banking - Transfer

  $1.00

 TeleService Telephone Banking - Bill Payment

  $1.00

 Direct Payment Purchase (MemberCard)

  $0.90

 

 Preauthorized Payment

  $0.90

 Overdraft Fee

 $6.00

 In-Branch Cash Withdrawal

  $0.90

 In-Branch Bill Payment

 $1.50

 

 E-mail Transfers

$1.50 

 

 Cheque Withdrawal

 $0.90

 In Branch Statement with cheque images

$4.00 

 

 Certified Cheque

 $12.00

 Stop Payment

 $15.00

 Official Cheque

 $7.00

 Returned NSF Items

 $38.00

 Safety Deposit Box  -  small

$40.00

 Safety Deposit Box - large

$50.00 

 

 Money Order - USD

$7.50

 

 Money Order - Canadian $

 $7.00

 Wire Transfers - USD going to US or Foreign Country

$50.00

 Wire Transferes - Canadian funds to Foreign Country

$40.00 

 

 Wire Transfers - Canadian Funds to  CDN or USD

 $30.00

 Deposit Anywhere

$1.50

 

 

 

 

 

 

 

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YOUR Savings: Per item pricing (see above).  Our tiered savings account combines savings and accessibility

 

Account Features:

 2 free withdrawals per month
•Transactions are charged on a per item basis  (see above for transaction fees)

•Pays interest at tiered rates:
          * $1 - $4,999
          * $5,000 - $9,999
          * $10,000 - $24,999
          * $25,000 - $59,999
          * $60,000 - $99,999
          * $100,000+
•Unlike some institutions that calculate interest for the amount in each tier, we calculate interest based   on the rate for the highest tier attained, on the TOTAL balance in your account.
•Easy access to your money with MemberDirect® online banking, Mobile App, Deposit Anywhere, Mobile Banking, MemberCard®, Teleservice®, Inter-Credit Union Services (ICU), cheques, pre-authorized payments, direct deposits, and in-branch services

Free SMS Mobile Banking and Mobile App
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YOUR CHEQUING - $3.50 plus: Per item pricing (see above).  Ideal for your day-to-day financial needs with pay-as-you-go transaction fees

 

Account Features:
•Transactions are charged on a per item basis (see above for transaction fees)
•Combines benefites of chequing and savings with tiered rates
•Pays interest at tiered rates:
            * $1 - $4,999
            * $5,000 - $9,999
            * $10,000 - $24,999
            * $25,000 - $59,999
            * $60,000 - $99,999
            * $100,000+
•Unlike some institutions that calculate interest for the amount in each tier, we calculate interest based on the rate for the highest tier attained, on the TOTAL balance in your account
•Easy access to your money with MemberDirect® online banking, Mobile App, Deposit Anywhere, Mobile Banking, MemberCard®,  Teleservice®, Inter-Credit Union Services (ICU), cheques, pre-authorized payments,  direct deposits, and in-branch services
•GLOBAL PAYMENT™ MasterCard® option provides debit card access is everywhere MasterCard® is accepted

Free SMS Mobile Banking and Mobile App
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YOUR CHEQUING 15 - $4.95 per monthTransact a little.  You only make a few transactions and want a low monthly fee

          YOUR CHEQUING 15 Senior - FREE

 

Account Features:
•15 transactions included for one monthly fee, including:
            •Debit Purchase
            •Credit Union affiliated ATM networks

              (Surcharge-fee access to over 2400 ACCULINK® and EXCHANGE® ATMs throughout

              Canada)

            •MemberDirect® online banking
            •Teleservice telephone banking
            •In-Branch transactions
            •Cheque withdrawals
            •Pre-authorized payments
            •Inter-Credit Union Services (ICU)
            •GLOBAL PAYMENT™ MasterCard®
•2 free outgoing e-transfers (1.50 each on excess)
•5 free incoming e-transfers (0.50 each on excess)
•Per item fee on excess of 15 transactions*
•Interac® (Canada) and PLUS® (International) ATM Networks give you access to ATMs around the world†
•Pays interest at tiered rates as per the Your Chequing account

Free SMS Mobile Banking & Mobile App

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YOUR Electronic Unlimited - $14.95 per month: Transact electronically. You want access to your accounts anytime, anywhere, using self-service options

         *YOUR Electronic Unlimited Senior - $11.25

 

Account Features:
•Unlimited electronic transactions for one monthly fee, including
             •Debit Purchase
             •Credit Union affiliated ATM networks

              (Surcharge-free access to over 2400 ACCULINK® and EXCHANGE® ATMs throughout

              Canada)
             •MemberDirect® online banking
             •TelesService telephone banking
             •Pre-authorized payments
•2 free outgoing e-transfers (1.50 each on excess)
•5 free incoming e-transfers (0.50 each on excess)
•Per Item fee for non-electronic transactions including: in-branch, cheques and Inter-Credit Union transactions*
•Pays interest at tired rates as per the YOUR Chequing account
•2 Interac® ATM transactions included†
•Interac® (Canada) and PLUS® (International) ATM Networks gives you access to ATMs around the  

 world†
•2 Interac® e-Transfers†
•Free SMS Mobile Banking and Mobile App
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YOUR Chequing 40 - $13.95 per month: Transact a lot. You average one transaction per day, with a few extra on the weekend

           *YOUR Chequing 40 Senior - $9.75

 

Account Features:
•40 transactions included for one monthly fee, including:
             •Debit Purchase
             •Credit Union affiliated ATM networks

              (Surcharge-free access to over 2400 ACCULINK® and EXCHANGE® ATMs throughout

              Canada)
             •MemberDirect® online banking
             •TeleService telephone banking
             •In-branch transactions
             •Cheque withdrawals
             •Pre-authorized payments
             •Inter-Credit Union Services (ICU)
             •GLOBAL PAYMENT™ MasterCard®
•2 free outgoing e-transfers (1.50 each on excess)
•5 free incoming e-transfers (0.50 each on excess)
•Per Item fee on excess of 40 transactions*
•Interac® (Canada) and PLUS® (International) ATM Networks gives you access to ATMs around the world†
•Pays interest at tiered rates as per the YOUR Chequing account

Free SMS Mobile Banking and Mobile App
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YOUR Chequing Unlimited - $26.95 per month:  Transact without limits! You want the ultimate in convenience, earning power and value-added account features

           *YOUR Chequing Unlimited Senior - $19.95

 

Account Features:
•Unlimited electronic transactions for one monthly fee, including:
             •Debit Purchase
             •Credit Union affiliated ATM networks

              (Surcharge-free access to over 2400 ACCULINK® and EXCHANGE® ATMs throughout

              Canada)
             •MemberDirect® online banking
             •TelesService telephone banking
             •In-branch transactions
             •Cheque withdrawals
             •Pre-authorized payments
             •Inter-Credit Union Services (ICU)
             •GLOBAL PAYMENT™ MasterCard®
•2 free outgoing e-transfers (1.50 each on excess)
•5 free incoming e-transfers (0.50 each on excess)

•5 Interac® (Canada) ATM transactions included†
•2 PLUS® (International) ATM transactions included†
•2 Interac® e-Transfers†
•Pays interest at tired rates as per the YOUR Chequing account
•Free SMS Mobile Banking and Mobile App
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† Does not include surcharges from other financial institutions
* Additional transactions $1.00 each
Overdraft protection available for all chequing accounts (OAC)

 

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