Service Fees

Click here to download NWCU Products and Services Brochure.

Personal Chequing

Premium Chequing Account
$13.75 per month

  • Free debits for cheques and in-branch withdrawals
  • Free bill payments (internet banking)
  • Free Interac direct payments
  • Free personalized cheques (basic)
  • Free monthly statement with cheque images
  • Free CU ATM transactions (Canada)*

View more options for NWCU chequing accounts.

Personal Accounts
Per Debit on Chequing/Savings $0.65
Interac Direct Payment Fee $0.65
ATM Withdrawal Fee $0.65
Per Debit on U.S. Account $1.00
Non-Personalized 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 $7.00
Money Orders - Canadian $5.00
Money Orders - U.S. $6.00
Overdraft Charge $7.00
NSF Cheque Returned $40.00
Official Cheque/ Primary Order $5.50
Stop Payment $10.00/$17.00
Monthly Service Charge on Unclaimed Balances

$2.50/month

Statement on Demand $1.00/page
Annual Inactive Account Fee $18.00

Bill Payment

    Over-the-Counter - Member

    Via internet

 

$1.65

$0.65

Business Account Packages

Business Premium Chequing Account

$36.95 per month

  • First 50 debits, credits and direct debit payments free
  • Free bill payments (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
  • Internet banking
Business Accounts
Per Cheque, Withdrawal or Other Debit Item $0.85
Per Deposit to Account $0.85
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 $40.00
Charge Back Fee $5.00
Overdraft Charge $7.00
Stop Payment $12.00/$20.00
Account Confirmation $30.00
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

 

$1.65

$0.65


Personalized Cheques
Credit union personalized cheques are available for the above chequing accounts at the following competitive rates:
4 (personal) cheques $2.50
100 cheques market price
200 cheques market price
8 business cheques $7.50
100 business cheques market price

Organizational Accounts

  • 30 free debits per month
  • Free monthly statement (pick-up only), mail $3.00
  • Internet banking available
  • Standard service fees apply on all other services

Savings

Premium Savings

  • Interest calculated on daily closing balance, paid on last day of each month
  • $1.50 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 NWCU 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 withdrawal $5.00

Variable Rate

  • Interest calculated daily and paid semi-annually
  • Free auto transfers from your account
  • Redeemable/transferable at any time

Automated Teller Machines (ATM)

Credit Unions (Canada) $0.65
INTERAC $2.00
CIRRUS - USA $3.50
CIRRUS - Other International $6.50

Internet Banking with 24 Hour Bill Payment

Go to www.nwcu.mb.ca

  • Sign up in branch
  • Free unlimited account access

Fee per bill payment $0.65

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 $10.00 + cost
To drill the box if key is lost $25.00 + cost

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 $210.00 min.
Mortgage Re-Advancement $500.00 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

View more information about loans and mortgages.

* Available only at Ding-Free CU ATMs

 

Find Branch/ATM

Enter address, postal code or branch name

Get in Touch