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 Manitoba CU 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
$29.95 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 | $.85 |
| Per Deposit to Account | $.85 |
| 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 | $2.50 |
| 100 cheques | market price |
| 200 cheques | market price |
| 8 business cheques | $7.50 |
| 100 business cheques | market price |
SAVINGS
Premium Savings
- Interest calculated on daily closing balance, paid on last day of each month
- $1.25 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 | $.55 |
| Automated Teller Machines (ATM) | |
|---|---|
| INTERAC (Canada) | $2.00 |
| CIRRUS (USA) | $3.50 |
| CIRRUS (International) | $6.00 |
| 24 Hour Bill Payment by Phone (204) 339-0970 | |
|---|---|
|
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| Fee per bill payment | $0.55 |
| Internet Banking with 24 Hour Bill Payment | |
|---|---|
Go to www.nwcu.mb.ca
|
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| 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 | $450.00 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.
*Fees subject to change without notice
*Fees may apply to packaged accounts
COPYRIGHT © 2008 NWCU
