Fees (Business & Personal) *
Click here to download NWCU Products and Services Brochure.
PERSONAL CHEQUING
Premium Chequing Account
$12.50 per month
- Free debits for cheques and in-branch withdrawals
- Free bill payments (telephone and internet banking)
- Free personalized cheques (basic)
- Free NWCU ATM, Direct Payment and pre-authorized debit
- Free mailing of monthly statement with cheque images
View more options for NWCU chequing accounts.
| Personal Accounts | |
|---|---|
| Per Debit on Chequing/Savings | $.65 |
| Per Debit on U.S. Account | $.75 |
| Non-Personal Cheque Cleared | $5.00 |
| Cheque Certification (Member) | $5.00 |
| Cheque Certification (Non-Member) | $15.00 |
| Charge Back (Personal) | $5.00 |
| Cheque Drawn in U.S. Funds on Cdn Acct | $7.00 |
| Overdraft Charge | $7.00 |
| NSF Cheque Returned | $32.00 |
| Official Cheque/ Primary Order | $5.00 |
| Stop Payment | $10.00 |
| Monthly Service Charge on Unclaimed Balances | $2.50/month |
| Monthly Maintenance Fee | $1.50 |
| Interac Direct Payment Fee | $.55 |
| Statement on Demand | $1.00/page |
| Annual Inactive Account Fee | $18.00 |
Bill Payment Over-the-Counter - Member Via internet or by telephone |
$1.50 $0.55 |
BUSINESS ACCOUNT PACKAGES
Business Premium Chequing Account
$27.95 per month
- First 50 debits, credits and direct debit payments free
- Free bill payments (telephone and internet banking)
- Free mailing of monthly statements with cheque images
Business Standard Chequing Account
- Chequing services
- Direct payments
- Electronic fund transfers
- Automatic fund transfers
- Monthly statements with cheque images
- Online internet banking
| Business Accounts | |
|---|---|
| Per cheque, withdrawal or other debit item | $.79 |
| Per Deposit to Account | $.79 |
| Monthly Maintenance Fee | $5.00 |
| Per Debit on U.S. Account | $1.00 |
| Cheque Received on Collection | $25.00 |
| Cheque Certification (Member) | $7.00 |
| Cheque Certification (Non-Member) | $15.00 |
| Official Cheque/ Primary Order | $7.00 |
| NSF Cheque Returned | $32.00 |
| Charge Back Fee | $5.00 |
| Overdraft Charge | $7.00 |
| Stop Payment | $10.00 |
| Account Confirmation | $30.00 |
| Night Deposit Bag | $75.00/year |
| Disposable Night Deposit Bags | $1.00/bag |
| Commercial Loan Application Up to $100,000 Greater than $100,000 | $150.00 min. on a per loan basis |
Bill Payment Over-the-Counter - Member Via internet or by telephone |
$1.50 $0.55 |
| Personalized Cheques | |
|---|---|
| Credit union personalized cheques are available for the above chequing accounts at the following competitive rates: | |
| 4 cheques | $2.00 |
| 40 cheques | $5.00 |
| 100 cheques | $10.00 |
| 200 cheques | $19.00 |
| 100 business cheques | $45.00 |
SAVINGS
Premium Savings
- Interest calculated on daily closing balance, paid on last day of each month
- $1.00 per debit (one free debit per month)
- No maintenance fee
- No minimum deposit required
View more options for NWCU savings accounts.
| Term Deposits |
|---|
- Competitive rates for terms from 30 days to 5 years
- Interest paid annually or compounded
- Choose from automatic renewal or principle and interest to be paid to any deposit account
| RRSP/LIRA/RRIF/TFSA |
|---|
- Transfers easily arranged from other institutions
- No fees for maintaining plan
- Competitive fixed rate terms from 1 to 5 years
- Transfer out fee $50.00
| Variable Rate |
|---|
- Interest calculated daily and paid semi-annually
- Free auto transfers from your account
- Redeemable/transferable at any time
| Bill Payment | |
|---|---|
| Over-the-Counter | $1.50 |
| NWCU Online or Member Direct by Phone | $.50 |
| Automated Teller Machines (ATM) | |
|---|---|
| INTERAC (Canada) | $2.00 |
| CIRRUS (USA) | $3.50 |
| CIRRUS (International) | $5.00 |
| 24 Hour Bill Payment by Phone (204) 339-0970 | |
|---|---|
|
|
| Fee per bill payment | $0.55 |
| Internet Banking with 24 Hour Bill Payment | |
|---|---|
Go to www.nwcu.mb.ca
|
|
| Fee per bill payment | $0.55 |
| Direct Deposit |
|---|
Free automatic deposit of pay or pension available for immediate withdrawal without the risk of loss or mail delay.
| Safety Deposit Boxes - per year | |
|---|---|
| 1.5" x 5" | $33.00 + GST |
| 2.5" x 5" | $39.00 + GST |
| 3.25" x 5" | $45.00 + GST |
| 5" x 5" | $56.00 + GST |
| 2.5" x 10" | $59.00 + GST |
| 5" x 10" | $89.00 + GST |
| 10" x 10" | $125.00 + GST |
| Key Replacement | $25.00 + GST |
| Drill Box | $100.00 + GST |
LOANS
| Mortgages |
|---|
- Transfers from other financial institutions
- Pre-approved mortgages
- 20% pre-payment privilege per year
- Fixed or variable rate terms available
Mortgage Discharge
| Mortgage Paid Out | $225.00 min. |
| Mortgage Re-Advancement | $400.00 min. |
| Mortgage Transfer to Another Financial Institution | $275.00 min. |
| Personal Loans |
|---|
- Variable or fixed rate terms
- Pre-approved loans
- Optional Credit Life & Disability Coverage
- Weekly, bi-weekly or monthly payment options
| Line of Credit |
|---|
- Overdraft protection up to a pre-authorized limit
- Instant access to funds for purchases or bill payments
- Interest only on balances used, charged monthly
| CU MasterCard |
|---|
Ask about the various card options available. CHOICE Rewards Program offers travel or merchandise rewards.
View more information about loans and mortgages.
| Financial Planning |
|---|
Credential Financial Strategies Inc.*
Reach your financial potential. Enjoy a secure retirement. Help your children gain the advantage of higher education. Improve your ability to provide for your family. You can do all this and more by speaking to a Credential Financial Strategies Inc. representative available through North Winnipeg Credit Union.
* Credential Financial Strategies Inc. and Credential Asset Management Inc. are member companies under Credential Financial Inc., offering financial planning, life insurance and investments to members of credit unions and their communities.
*Fees subject to change without notice
*Fees may apply to packaged accounts
COPYRIGHT © 2008 NWCU
