|
TRANSACTION FEES
|
||||
| These fees apply to all member accounts which do not have a package plan or are pay as you go. They also apply to transactions in excess of any plan package limits. Fees on US Dollar accounts will be charged in US funds. |
||||
| EVERYDAY TYPE TRANSACTIONS | ACCOUNT INFORMATION | |||
| Deposits | Free | Mailed statement | $2.50 | |
| In branch withdrawal | $0.90 | E-statement | Free | |
| In branch transfer | Free | Statement reprint | $3.00 | |
| In branch bill payment | $1.00 | Interim statements | $3.00 | |
| Chequing clearing | $0.90 | Cheque images included in mailed statements | Free | |
| Preauthorized debit | $0.90 | Historic statements greater than 12 months | $10/mon | |
| Preauthorized debit for YCU loan payments | Free | Letter in good standing | $15.00 | |
| Transfer to term deposits | Free | Mortgage, loan, interest or misc. letter | $12.00 | |
| Telephone banking transfer | Free | Search for items (cheques, deposits, etc) | ||
| Telephone banking bill payment | $0.90 | Less than 90 days | $5.00/item | |
| Online/mobile transfer | Free | Greater than 90 days | $10.00/item | |
| Online/mobile bill payment | $0.90 | Multiple items or lengthy searches | $40.00/hr2 | |
| lnterac debit (point of sale) | $0.90 | Bank confirmations | $25.00 | |
| Debit card cross border (point of sale) | $0.90 | Audit certificates | $25.00 | |
| lnterac e-mail transfer | $0.90 | Bill payment trace requests | Costs3 | |
| Received e-money transfer | Free | |||
| YCU A TM withdrawal | Free | CHEQUES | ||
| Exchange Network ATM withdrawal | Free | Deposit anywhere | Free | |
| Certified cheque -member request | $10.00 | |||
| OTHER ATM NETWORK FEES | Certified cheque - non-member request | $20.00 | ||
| These are network fees; additional fees may be levied by the owner of the ATM | Bank drafts - CAD $ | $7.50 | ||
| ATM withdrawal at other Financial Institution | $2.00 | Bank drafts - Foreign $ | $12.00 | |
| U.S./ International ATM withdrawal | $4.00 | Stop payment - full details provided | $12.00 | |
| Stop payment - incomplete details provided | $15.00 | |||
| FOREIGN CURRENCY | Charge backs | $5.00 | ||
| Sell currency other than US$ to member | $5.00 | NSF cheques | $35.00 | |
| Buy currency other than US$ from member | $5.00 | Unauthorized overdraft per item | $10.00 | |
| Buy/sell currency to non-member | $10.00 | Incorrectly encoded pre-authorized debit | $10.00 | |
| Shipping fee added to buy/sell transactions over $500 |
Min of $15.00 | Post-dated cheques | $2.50 per item | |
| Foreign currency cheque drawn on Canadian dollar account | $20.00 | Personalized cheque order | Costs | |
| ATM-Deposit of foreign currency cheque to CAD $ account1 | $10.00 | Manual cheque clearing items | $10.00 | |
| MISCELLANEOUS/OTHER FEES | WIRES | |||
| Annual Safety Deposit Box Rental Fee - Small | $60.00 | Incoming (additional fees may be charged by other parties involved) | $25.00 | |
| Annual Safety Deposit Box Rental Fee - Medium | $100.00 | Outgoing | $30.00 | |
| Annual Safety Deposit Box Rental Fee - Large | $175.00 | Outgoing: inquiries/tracing/cancellation/amendment | $25.00 | |
| Drilling | Cost | |||
| Key Replacement | Cost | CREDIT PRODUCTS | ||
| Inactive Account - After full 12 months | $55.00/yr | Overdraft protection | $2.50/mon | |
| Account closed within 90 days of opening | $25.00 | Mortgage re-advancement | $100.00 | |
| Courier | Cost | Mortgage discharge | $300.00 | |
| Registered Mail | Cost | Transfer of mortgage to other institution | $300.00 | |
| RSP Withdrawal | $35.00 | Assignment fee | $200.00 | |
| Transfer of a registered plan to another institution (includes TFSA, RSP, RIF, FHSA) |
$100.00 | Property valuation for mortgage | $350.00 | |
| Records search | $25.00/hr3 | Letter of credit | 1% of limit5 | |
| Tax Receipt Reprint | $10.00 | Loan extension /alteration fee | $25.00 | |
| Transfer of account to another institution (BOA) | $25.00 | Bridge loan fee | $150.00 | |
| PAD origination trace/recall | $12.00 | NSF payments (YCU loan/mortgage payment) | $20.00 | |
| Coverdraft on account - for Cheque/PAD | $2.50 | Loan administration charge6 | $15.00 | |
| ATM debit/ credit adjustment notice | $2.00 | |||
| Municipal property tax payment in addition to draft cost | $5.00 | |||
| Cheque Copy | $1.50 | |||
| Withdrawal from Non-Redeemable Term Deposit4 | $100.00 | |||
| FHSA Withdrawal (Non-Qualifying) | $35.00 | |||
| TFSA Withdrawal | $1.90 | |||
These rates are subject to change. Updated January 1, 2024
- Exchange rates at current rates to convert to CAD $ are not included in this fee.
- Minimum of $20.00
- Minimum of $25.00
- Withdrawals only permitted in exceptional circumstances at the discretion of YCU
- Minimum of $50.00
- Applicable if member does not have active banking account with YCU
