Casera Credit Union - Personal Account Service Fees

REGISTERED PLAN FEES

	Casera CU (as of November 1, 2023)	Access CU (as of January 1, 2024)
TFSA Variable Account Withdrawals	$0	2 free/month; $1.25/additional
RRSP/RRIF/TFSA/RESP Transfer Out	$50	$75*
RESP Partial Transfer Out Fee	Not applicable	$195 + GST
Duplicate Tax Receipt Request	$5	$5
Specialized Estate Assistance Fee	Not applicable	$275/hour + GST (1 hr. min.)
T3 Preparation/Return Filing Fee	$300	$275/hour + GST (1 hr. min.)
Early Term Redemption Penalties**	Accrued interest since last payment date	Accrued interest (in 1st year) 1% interest adjustment (in subsequent years)

*One fee per cheque issued. No charge if transferred to Access Credit Union Credential Rep or Hubert Financial.

**Applicable to both registered and non-registered term deposits. Early redemption is subject to credit union and/or regulatory approval.

WIRE TRANSFERS (current as of November 1, 2023)

	Casera CU (as of November 1, 2023)	Access CU (as of January 1, 2024)
Canadian, US and international incoming	$15.00*	$5.00*
Canadian outgoing	$40.00*	$15.00*
US and international outgoing	$40.00*	$30.00*
Wire transfer traces	$30.00*	$25.00*

*Additional fees from service providers may apply and will be charged at cost.

OFFICIAL CHEQUES

*Additional fees from service providers may apply and will be charged at cost.

CHEQUE ORDERS (as of January 1, 2024)

Personal

Business

Ancillary Items

	Casera CU (as of November 1, 2023)	Access CU (as of January 1, 2024)
Wallet	$1.50	$1.50
Register	$1.50	$1.50
Binder	$28.00	$35.00
Cheque Order Mailing (from branch)		$3.00

Service Fees

ATM FEES

Casera CU ATM withdrawals	FREE**
Casera CU ATM deposits	FREE**
Manitoba CU ATM (Acculink®) withdrawals	FREE**
Manitoba CU ATM (Acculink®) deposits	FREE**
Interac®ATM withdrawals	$2
Cirrus ATM withdrawals	$3.50
Circuit ATM withdrawals	$5
Canadian CU ATM withdrawals	$0.55**
Canadian CU ATM deposits	$1**

**As part of the national ding free® program, Casera members pay no surcharges at credit union and other participating ATMs across Canada for

BILL PAYMENTS

Over the counter	$2.00
Online, mobile and telephone	.50¢
Bill Payment traces	$30
Bill payment refunds and transfers	$30

TRANSFER OF FUNDS

Online, mobile and telephone	FREE
Branch telephone transfers	$4
Coverdraft	$3
Interac e-Transfer	$1
Balance of account transfer out	$24

WIRE TRANSFERS

Canadian, US and international outgoing	$40*
Canadian, US and international incoming	$15*
Wire transfer trances	$30*

* USD transactions and fees charged in US currency

CHEQUE FEES

Cheque certification for members	$7
Cheque certification for non-members	$15
Stop payment (cheqeus and pre-authorized debits)	$12
NSF cheque returned	$40
Overdraft fee (personal and business)	$5
USD cheques cashed on Canadian accounts	$10
Cheques cashed (non-members)	$7
Chargebacks	$5
Cheques copies	$2.75
Credit union collections	$20
Bank collections	$35

SAFETY DEPOSIT BOX RENTAL

Available box sizes may vary based on location. See your local branch for details.

MEMBER REQUESTS FOR STATEMENT OF LOAN INTEREST PAID

Prior years	$10
Current and previous calendar year	$10

Note: Plus retrieval costs of $25 per hour.

RECORD SEARCHES

Closing account within 3 months of opening	$10
Unclaimed account fee	$45 annually
Buying and selling foreign currency through Travelex	$5
Post dated deposits	$2
MEMBER CARD debit replacement	$5
Unpostable electronic debit and credit	$5
Unencoded clearing items	$5
interim statements	$2
Account confirmations (personal and business)	$25
Night deposit bags	100 for $15
In-branch statement printing	$2 per statement
Photocopying and faxing	.50¢ per copy
Monthly e-statements for all accounts	FREE