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Effective February 1, 2008
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| CHEQUING |
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> $2.00 MAINTENANCE
FEE
> OVERDRAFT AVAILABLE OAC
> MASTERCARD PAYMENT CARD AVAILABLE OAC
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> $.70 - BASIC WITHDRAWALS, ENCODED CHEQUES, AUTO DEBITS, AND TRANSFERS
BY TELLER
> $.65 - AUTO DEBITS
> $1.75 - BILL PAYMENT BY TELLER
> $.55 - BILL PAYMENT PAID BY MEMBERLINK, MEMBERDIRECT OR ATM
> PERSONAL CHEQUE ORDERS AVAILABLE
> $6.50 - MANAGER’S CHEQUE
> $6.50 - MONEY ORDER
> $6.50 - US BANK DRAFT
> $4.00 - STATEMENT OF ACCOUNT BY TELLER
> $9.50 - STOP PAYMENT
> 1.00% - TRAVELLERS CHEQUES REGULAR
> 1.75% - TRAVELLERS CHEQUES DOUBLE SIGNATURE
ATM CARD CHARGES
FREE – DEPOSITS
$0.55 – EKCCU ATM
$0.55 – OTHER BC CREDIT UNION ATM
$0.55 – OUT OF PROVINCE
CREDIT UNION ATM
$2.00 – OTHER INTERAC ATM
$3.50 – INTERNATIONAL ATM
ADDITIONAL TRANSACTIONS
$0.60 – POINT OF SALE
$0.60 – MC PAYMENT CARD |
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| GOLDEN
CHEQUING (59 & over) |
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> FIRST 50 BASIC TRANSACTIONS*
FREE
> UNLIMITED FREE MEMBERLINK AND MEMBERDIRECT BANKING (BILL PAYMENT, TRANSFERS,
INQUIRIES, AND STATEMENTS)
> 50 % REDUCTION ON SAFETY DEPOSIT BOX RENTAL
> OVERDRAFT AVAILABLE OAC
> MASTERCARD PAYMENT CARD AVAILABLE OAC
GOLDEN MAXIMIZER,
GOLDEN SUPER SAVER AND GOLDEN MASTERPLAN INCUR THE SAME MONTHLY SERVICE
CHARGES AND COMMON FINANCIAL SERVICE CHARGES AS THE GOLDEN CHEQUING.
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>ADDITIONAL TRANSACTIONS
$.70– WITHDRAWALS, ENCODED CHEQUES, AND TRANSFERS BY
TELLER
> $.65 - AUTO DEBITS
> FREE - BILL PAYMENT BY TELLER
> FREE - BILL PAYMENT BY MEMBERLINK, MEMBERDIRECT, ATM
> FREE - BASIC CHEQUE ORDER
> $4.00 - STATEMENT OF ACCOUNT BY TELLER
> $9.50 - STOP PAYMENT
> FREE - TRAVELLERS CHEQUES REGULAR
> FREE - TRAVELLERS CHEQUES DOUBLE SIGNATURE
YOUR CHOICE OF TWO
OF THE FOLLOWING FREE PER MONTH:
> $6.50 - MANAGER’S CHEQUE
> $6.50 - MONEY ORDER
> $6.50 - US BANK DRAFT
ATM CARD CHARGES
FREE – DEPOSITS
$0.55 – EKCCU ATM
$0.55 – OTHER BC CREDIT UNION ATM
$0.55 – OUT OF PROVINCE
CREDIT UNION ATM
$2.00 – OTHER INTERAC ATM
$3.50 – INTERNATIONAL ATM
ADDITIONAL TRANSACTIONS
$0.60 – POINT OF SALE
$0.60 – MC PAYMENT CARD |
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| MEMBER ADVANTAGE |
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> 2 FREE TRANSACTIONS PER MONTH |
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> $5.00 – BASIC WITHDRAWALS, CHEQUES, > AUTO DEBITS, AND TRANSFERS BY TELLER $5.00 – BILL PAYMENT BY TELLER
> $5.00 – BILL PAYMENT BY MEMBERLINK, MEMBERDIRECT, ATM
> $6.50 – MANAGER’S CHEQUE
> $6.50 – MONEY ORDER
> $6.50 – US BANK DRAFT
> $4.00 – STATEMENT OF ACCOUNT BY TELLER
> $9.50 – STOP PAYMENT
> 1.00% – TRAVELLERS CHEQUES REGULAR
> 1.75% – TRAVELLERS CHEQUES DOUBLE SIGNATURE
ATM CARD CHARGES
> FREE – DEPOSITS
> $5.00 – EKCCU ATM
> $5.00 – OTHER BC CREDIT UNION ATM
> $5.00 – OUT OF PROV. CREDIT UNION ATM
> $5.00 – OTHER INTERAC ATM
> $5.00 – INTERNATIONAL ATM
ADDITIONAL TRANSACTIONS
> $5.00 – POINT OF SALE
> $5.00 – MC PAYMENT CARD |
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| MEMBER ADVANTAGE COMMERCIAL |
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> 2 FREE TRANSACTIONS PER MONTH |
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> $5.00 – BASIC WITHDRAWALS, CHEQUES, AUTO DEBITS, AND TRANSFERS BY TELLER
> $5.00 – BILL PAYMENT BY TELLER
> $5.00 – BILL PAYMENT BY MEMBERLINK, MEMBERDIRECT, ATM
> $6.50 – MANAGER’S CHEQUE
> $6.50 – MONEY ORDER
> $6.50 – US BANK DRAFT
> $4.00 – STATEMENT OF ACCOUNT BY TELLER
> $9.50 – STOP PAYMENT
> 1.00% – TRAVELLERS CHEQUES REGULAR
> 1.75% – TRAVELLERS CHEQUES DOUBLE SIGNATURE
ATM CARD CHARGES
> FREE – DEPOSITS
> $5.00 – EKCCU ATM
> $5.00 – OTHER BC CU ATM
> $5.00 – OUT OF PROV. CU ATM
> $5.00 – OTHER INTERAC ATM
> $5.00 – INTERNATIONAL ATM ADDITIONAL TRANSACTIONS
> $5.00 – POINT OF SALE
> $5.00 – MC PAYMENT CARD |
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| ELECTROLINK |
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> $5.00 MONTHLY FEE
> MINIMUM MONTHLY BALANCE >$2,000 – MONTHLY FEE WAIVED
> FREE – FIRST 50 ELECTRONIC TRANSACTIONS *
> 3 FREE CHEQUES, WITHDRAWALS OR TRANSFERS PER MONTH
> UNLIMITED FREE ATM DEPOSITS, BILL PAYMENT AND TRANSFERS
> UNLIMITED FREE MEMBERLINK AND MEMBERDIRECT BANKING (BILL PAYMENT, TRANSFERS, INQUIRIES AND STATEMENTS)
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> $1.50 – DEPOSITS, WITHDRAWALS AND TRANSFERS BY TELLER
> $0.70 - ENCODED CHEQUES
> $0.65 –AUTODEBITS
> $1.75 – BILL PAYMENT BY TELLER
> FREE – BILL PAYMENT BY MEMBERLINK, MEMBERDIRECT, ATM
> PERSONAL CHEQUE ORDERS AVAILABLE > $6.50 – MANAGER’S CHEQUE
> $6.50 – MONEY ORDER
> $6.50 – US BANK DRAFT
> $4.00 – STATEMENT OF ACCOUNT BY TELLER
> $9.50 – STOP PAYMENT
> 1.00% – TRAVELLERS CHEQUES REGULAR
> 1.75% – TRAVELLERS CHEQUES DOUBLE SIGNATURE
ATM CARD CHARGES
> FREE – DEPOSITS
> $0.55 – EKCCU ATM
> $0.55 – OTHER BC CREDIT UNION ATM
> $0.55 – OUT OF PROV. CREDIT UNION ATM
> $2.00 – OTHER INTERAC ATM
$3.50 – INTERNATIONAL ATM
ADDITIONAL TRANSACTIONS
> $0.60 – POINT OF SALE
> $0.60 – MC PAYMENT CARD |
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| PLANPLUS |
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> $15.00 MONTHLY FEE
> UNLIMITED BASIC TRANSACTIONS * FREE
> UNLIMITED FREE MEMBERLINK, ATM AND MEMBERDIRECT BANKING (BILL PAYMENT, TRANSFERS, INQUIRIES AND STATEMENTS)
> $5.00 REDUCTION ON SAFETY DEPOSIT BOX RENTAL
> OVERDRAFT AVAILABLE OAC
> MASTERCARD PAYMENT CARD AVAILABLE OAC
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> $1.75 – BILL PAYMENT BY TELLER
> FREE – BILL PAYMENT BY MEMBERLINK, MEMBERDIRECT, ATM
> FREE – BASIC CHEQUE ORDER
> $4.00 – STATEMENT OF ACCOUNT BY TELLER
> $9.50 – STOP PAYMENT
FREE – TRAVELLERS CHEQUES, REGULAR AND DOUBLE SIGNATURE
YOUR CHOICE OF ONE OF THE FOLLOWING FREE PER MONTH:
> $6.50 – MANAGER’S CHEQUE
> $6.50 – MONEY ORDER
> $6.50 – US BANK DRAFT
ATM CARD CHARGES
> FREE – DEPOSITS
> $0.55 – OTHER BC CU ATM
> $0.55 – OUT OF PROV. CU ATM
> $2.00 – OTHER INTERAC ATM
> $3.50 – INTERNATIONAL ATM
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| MASTERPLAN |
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> $10.00 MONTHLY FEE
> MINIMUM MONTHLY BALANCE >$2,000-MONTHLY FEE WAIVED
> FIRST 50 BASIC TRANSACTIONS * FREE
> UNLIMITED FREE MEMBERLINK, ATM AND MEMBERDIRECT BANKING (BILL PAYMENT, TRANSFERS, INQUIRIES AND STATEMENTS)
> $5.00 REDUCTION ON SAFETY DEPOSIT BOX RENTAL
> OVERDRAFT AVAILABLE OAC
> MASTERCARD PAYMENT CARD AVAILABLE OAC
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> $0.70 – BASIC WITHDRAWALS, ENCODED CHEQUES, AND TRANSFERS BY TELLER
> $0.65 – AUTO DEBITS
> $1.75 – BILL PAYMENT BY TELLER
> FREE – BILL PAYMENT BY MEMBERLINK, MEMBERDIRECT, ATM
> FREE – BASIC CHEQUE ORDEr
> $4.00 – STATEMENT OF ACCOUNT BY TELLER
> $9.50 – STOP PAYMENT
> FREE – TRAVELLERS CHEQUES, REGULAR AND DOUBLE SIGNATURE
YOUR CHOICE OF ONE OF THE FOLLOWING FREE PER MONTH:
> $6.50 – MANAGER’S CHEQUE
> $6.50 – MONEY ORDER
> $6.50 – US BANK DRAFT
ATM CARD CHARGES
> FREE – DEPOSITS
>
$0.55 – EKCCU ATM
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$0.55 – OTHER BC CU ATM
>
$0.55 – OUT OF PROV. CU ATM
>
$2.00 – OTHER INTERAC ATM
>
$3.50 – INTERNATIONAL ATM
ADDITIONAL TRANSACTIONS
>
$0.60 – POINT OF SALE
>
$0.60 – MC PAYMENT CARD
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| MASTERPLAN
STUDY (Proof of post-secondary) |
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> $2.25 MONTHLY FEE
> MINIMUM MONTHLY BALANCE >$1,000-MONTHLY FEE WAIVED
> FIRST 25 ELECTRONIC**/BASIC* TRANSACTIONS FREE
> 4 FREE INTERAC ATM WITHDRAWALS
> UNLIMITED FREE MEMBERLINK, ATM AND MEMBERDIRECT BANKING (BILL PAYMENT, TRANSFERS, INQUIRIES AND STATEMENTS) |
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> $0.70 – BASIC WITHDRAWALS, ENCODED CHEQUES, AND TRANSFERS BY TELLER
> $0.65 – AUTO DEBITS
> $1.75 – BILL PAYMENT BY TELLER
> FREE – BILL PAYMENT BY MEMBERLINK, MEMBERDIRECT, ATM
> FREE – BASIC CHEQUE ORDER
> $4.00 – STATEMENT OF ACCOUNT BY TELLER
> $9.50 – STOP PAYMENT
> FREE – TRAVELLERS CHEQUES REGULAR
> FREE – TRAVELLERS CHEQUES DOUBLE SIGNATURE
YOUR CHOICE OF ONE OF THE FOLLOWING FREE PER MONTH
> $6.50 – MANAGER’S CHEQUE
> $6.50 – MONEY ORDER
$6.50 – US BANK DRAFT
ATM CARD CHARGES
> FREE – DEPOSITS
> $0.55 – EKCCU ATM
> $0.55 – OTHER BC CU ATM
> $0.55 – OUT OF PROV. CU ATM
> $2.00 – OTHER INTERAC ATM
> $3.50 – INTERNATIONAL ATM
ADDITIONAL TRANSACTIONS
> $0.60 – POINT OF SALE |
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| MAXIMIZER |
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> $2.00 MONTHLY MAINTENANCE FEE
> MINIMUM MONTHLYBALANCE >$200 – MAINTENANCE FEE WAIVED
> MINIMUM MONTHLY BALANCE > $2,500 – FREE BASIC TRANSACTIONS*
> OVERDRAFT AVAILABLE OAC |
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> $.70 – WITHDRAWALS, ENCODED CHEQUES, AND TRANSFERS BY TELLER
> $.65 – AUTO DEBITS
> $1.75 – BILL PAYMENT BY TELLER
> $0.55 – BILL PAYMENT BY MEMBERLINK, MEMBERDIRECT, ATM
> PERSONAL CHEQUE ORDERS AVAILABLE
> $6.50 – MANAGER’S CHEQUE
> $6.50 – MONEY ORDER
> $6.50 – US BANK DRAFT
> $4.00 – STATEMENT OF ACCOUNT BY TELLER
> $9.50 – STOP PAYMENT
> 1.00% – TRAVELLERS CHEQUES REGULAR
> 1.75% – TRAVELLERS CHEQUES DOUBLE SIGNATURE
ATM CARD CHARGES
> FREE – DEPOSITS
> $0.55 – EKCCU ATM
> $0.55 – OTHER BC CU ATM
> $0.55 – OUT OF PROV. CU ATM
>$2.00 – OTHER INTERAC ATM
>$3.50 – INTERNATIONAL ATM
ADDITIONAL TRANSACTIONS
> $0.60 – POINT OF SALE |
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| JUNIOR
MAXIMIZER (18 & under) |
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> FIRST 50 BASIC TRANSACTIONS
FREE |
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> $0.70 – BASIC WITHDRAWALS, ENCODED CHEQUES, AUTO DEBITS, AND TRANSFERS BY TELLER
> $1.75 – BILL PAYMENT BY TELLER
> $0.55 – BILL PAYMENT BY MEMBERLINK, MEMBERDIRECT, ATM
> $6.50 – MANAGER’S CHEQUE
> $6.50 – MONEY ORDER
> $6.50 – US BANK DRAFT
> $4.00 – STATEMENT OF ACCOUNT BY TELLER
> $9.50 – STOP PAYMENT
> FREE – TRAVELLERS CHEQUES REGULAR
> FREE – TRAVELLERS CHEQUES DOUBLE SIGNATURE
ATM CARD CHARGES
> FREE – DEPOSITS
> $0.55 – EKCCU ATM
> $0.55 – OTHER BC CU
> $0.55 – OUT OF PROV. CU
> $2.00 – OTHER INTERAC ATM
> $3.50 – INTERNATIONAL ATM
ADDITIONAL TRANSACTIONS
> $0.60 – POINT OF SALE
INDEMNITY FORMS MUST BE SIGNED BY PARENT OR GUARDIAN BEFORE A CARD CAN BE ISSUED |
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| SUPER
SAVER |
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> $1.50 MONTHLY MAINTENANCE FEE
> MINIMUM MONTHLY BALANCE >$100 – MAINTENANCE FEE WAIVED
> 4 FREE BASIC TRANSACTIONS PER MONTH |
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> $0.70 – BASIC WITHDRAWALS, AND TRANSFERS BY TELLER
> $0.65 - AUTO DEBITS
> $1.75 - BILL PAYMENT BY TELLER
> $0.55 - BILL PAYMENT BY MEMBERLINK, MEMBERDIRECT, ATM
> $6.50 - MANAGER’S CHEQUE
> $6.50 - MONEY ORDER
> $6.50 - US BANK DRAFT
> $4.00 - STATEMENT OF ACCOUNT BY TELLER
> $9.50 - STOP PAYMENT
> 1.00% - TRAVELLERS CHEQUES REGULAR
> 1.75% - TRAVELLERS CHEQUES DOUBLE SIGNATURE
ATM CARD CHARGES
> FREE – DEPOSITS
> $0.55 - EKCCU ATM
> $0.55 - OTHER BC CU
> $0.55 - OUT OF PROV. CU
> $2.00 - OTHER INTERAC ATM
> $3.50 - INTERNATIONAL ATM
ADDITIONAL TRANSACTIONS
> $0.60 - POINT OF SALE |
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| STRICTLY
BUSINESS |
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> $9.95 MONTHLY MAINTENANCE FEE
> 5 FREE IN BRANCH DEPOSITS
> FREE EKCCU ATM DEPOSITS
> ONE FREE BANK CONFIRMATION PER YEAR
> 1 FREE DEBIT ITEM PER $500 MINIMUM MONTHLY BALANCE
> LINE OF CREDIT AVAILABLE OAC
> MASTERCARD PAYMENT CARD AVAILABLE OAC |
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> ADDITIONAL DEPOSITS IN-BRANCH – $0.80
> $0.80 - WITHDRAWAL BY TELLER
> $0.80 - ENCODED CHEQUES, AND TRANSFERS BY TELLER
> $0.65 - AUTO DEBITS
> ADDITIONAL BANK CONFIRMATION $25.00
> $1.75 - BILL PAYMENT BY TELLER
> $0.55 - BILL PAYMENT BY MEMBERLINK, MEMBERDIRECT OR ATM
> BUSINESS CHEQUE ORDERS AVAILABLE
> $6.50 - MANAGER’S CHEQUE
> $6.50 - MONEY ORDER
> $6.50 - US BANK DRAFT
> $4.00 - STATEMENT OF ACCOUNT BY TELLER
> $9.50 - STOP PAYMENT
ATM CARD CHARGES
FREE – DEPOSITS
> $0.55 - EKCCU ATM
> $0.55 - OTHER BC CU ATM
> $0.55 - OUT OF PROV. CU ATM
> $2.00 - OTHER INTERAC ATM
> $3.50 - INTERNATIONAL ATM
ADDITIONAL TRANSACTIONS
> $0.60 - POINT OF SALE
> $0.60 - MC PAYMENT CARD |
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| BUSINESS SAVINGS |
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> $2.50 MONTHLY MAINTENANCE FEE
> MINIMUM MONTHLY BALANCE >$5000 – MAINTENANCE FEE WAIVED
> 2 FREE CHEQUES, WITHDRAWALS OR TRANSFERS PER MONTH
> LINE OF CREDIT AVAILABLE OAC |
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> $1.40 – WITHDRAWALS, ENCODED CHEQUES, AND TRANSFERS BY TELLER
> $0.80 – DEPOSITS IN- BRANCH, VIA MAIL, OR NIGHT DEPOSITORY
> $0.65 - AUTO DEBITS
> $1.75 - BILL PAYMENT BY TELLER
> $0.55 - BILL PAYMENT BY MEMBERLINK, MEMBERDIRECT, ATM
> PERSONAL CHEQUE ORDERS AVAILABLE
> $6.50 - MANAGER’S CHEQUE
> $6.50 - MONEY ORDER
> $6.50 - US BANK DRAFT
> $4.00 - STATEMENT OF ACCOUNT BY TELLER
> $9.50 - STOP PAYMENT
> 1.00% - TRAVELLERS CHEQUES REGULAR
> 1.75% - TRAVELLERS CHEQUES DOUBLE SIGNATURE
ATM CARD CHARGES
FREE – DEPOSITS
> $0.55 - EKCCU ATM
> $0.55 – OTHER BC CU ATM
> $0.55 - OUT OF PROV. CU ATM
> $2.00 – OTHER INTERAC ATM
> $3.50 – INTERNATIONAL ATM
ADDITIONAL TRANSACTIONS
> $0.60 - POINT OF SALE |
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| SERVICE
PLUS (Non-Profit Organization) |
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> $3.50 MONTHLY MAINTENANCE
FEE
> FREE FIRST 20 BASIC TRANSACTIONS*
> FREE INITIAL BASIC CHEQUE ORDER
> SAFETY DEPOSIT BOX ½ PRICE |
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> $0.80 – WITHDRAWALS, ENCODED CHEQUES, AND TRANSFERS BY TELLER
> $0.65 – AUTO DEBITS
> $1.75 – BILL PAYMENT BY TELLER
> $0.55 – BILL PAYMENT BY MEMBERLINK, MEMBERDIRECT, ATM
> ADDITIONAL CHEQUES ORDERS AVAILABLE
> $6.50 – MANAGER’S CHEQUE
> $6.50 – MONEY ORDER
> $6.50 – US BANK DRAFT
> $4.00 – STATEMENT OF ACCOUNT BY TELLER
> $9.50 – STOP PAYMENT
ATM CARD CHARGES
FREE – DEPOSITS
> $0.55 – EKCCU ATM
> $0.55 – OTHER BC CU ATM
> $0.55 – OUT OF PROV. CU ATM
> $2.00 – OTHER INTERAC ATM
> $3.50 – INTERNATIONAL ATM
ADDITIONAL TRANSACTIONS
> $0.60 – POINT OF SALE
> $0.60 – MC PAYMENT CARD |
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| MEMBERLINE Line of Credit |
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NO MAINTENANCE FEE
FIRST 10 BASIC OR ELECTRONIC TRANSACTIONS FREE
MONTHLY STATEMENT
CHEQUE IMAGE RETURN
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> $5.00 - ADDITIONAL TRANSACTIONS
ATM CARD FEES
> $5.00 - ADDITIONAL TRANSACTIONS |
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| US
SAVINGS |
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> N/A |
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> $0.70 – WITHDRAWALS
> $6.50 – US BANK DRAFT >
> 1.00% – TRAVELLERS CHEQUES REGULAR
> 1.75% – TRAVELLERS CHEQUES DOUBLE SIGNATURE |
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| US
CHEQUING PERSONAL & BUSINESS |
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> N/A
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> $0.80 ENCODED
CHEQUES
> $0.80 - WITHDRAWALS
> $6.50 - US BANK DRAFT
> 1.00% - TRAVELLERS CHEQUES REGULAR
> 1.75% - TRAVELLERS CHEQUES DOUBLE SIGNATURE |
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