Service Fees

Below you’ll find a complete list of the various service fees at Encompass Credit Union.

 

Alberta Gaming & Liquor Commission (AGLC)

Initial Setup (Signup) Fee

$100.00

AGLC Monthly Account Fee (unlimited payments)

$75.00

Bank Confirmations

Audit Verification / Bank Confirmations

$50.00

Bill Payments

Bill Payment Recalls (member error / request)

$30.00

Member Initiated Trace

$30.00

Rejected Electronic Bill Payment

$20.00

Drafts & Official Cheques

Credit Union Official Cheque

$7.50

US Official Draft (US currency)

$7.50

eBusiness Member CAFT

Initial Set Up (sign up) Fee

$100.00

CAFT Monthly Fee - up to $20,000 (minimum fee)

$25.00 (min)

CAFT Monthly Fee - up to $49,999

$35.00

CAFT Monthly Fee - up to $50,000 and over

$55.00

Manual password reset (no charge using password management)

$10.00

Foreign Currency

Sending foreign currency on collection for CAD exchange

$10.00

Special Foreign Currency Order (current exchange rate plus)

$10.00

Foreign Currency Order Cancellation (current exchange rate plus)

$10.00

Inactive Account Notices

1 Year

$10.00

2 - 3 Years

$20.00

4+ Years

$50.00

Investment Transfers

Manual Investment Transfer within EnCU

N/C

RSP Transfer (out of EnCU)

$50.00 / Transfer

RIF Transfer (out of EnCU)

$50.00 / Transfer

TFSA Transfer (out of EnCU)

$50.00 / Transfer

Agrilnvest Transfer (out of EnCU)

$50.00 / Transfer

Non-Registered Investment Transfer (out of EnCU)

$25.00 / Transfer

Lending Services

Business Member Credit Check

$15.00 / Request

Late Payment Fee

$40.00

Loan Renewal Notices - 1st

N/C

Loan Renewal Notices - 2nd

$20.00

Loan Renewal Notices - 3rd

$30.00

Cards

Member Card - Initial Card issue & re-issue (all cards have NFC enabled)

N/C

Disable Flash

$15.00

Replacement Card (before expiry at Member request)

$15.00

PIN &/or PIN Change

N/C

Member Services

Account History Printout

$2.00

Commissioner of Oaths

N/C

Fax & photocopying

$1.50 / Page

Miscellaneous Fees

Balance of Account - to another Credit Union

N/C

Balance of Account - to any other Financial Institution

$25.00

Certified Cheque - Member

$10.00

Certified Cheque - Non-Member

$25.00

Closed Account - within 90 days of opening

$5.00 or value in Common Shares to max $25.00

Cheque Cashed for Non-Member (drawn on our Member)

$25.00 / Item

Personal Account CounterCheques - 12 Cheques

$15.00

Personal Account CounterCheques - 24 Cheques

$25.00

Personal Account CounterCheques - 48 Cheques

$35.00

Personal Account CounterCheques - 100 Cheques

$45.00

Personal Cheque Wallets

N/C

Personal Cheque Registers

N/C

Business / Agriculture Account Counter Cheques Printed - 12 Cheques (minimum)

$15.00

Business / Agriculture Account Counter Cheques Printed - 50 Cheques

$50.00

Business / Agriculture Account Counter Cheques Printed - 100 Cheques

$90.00

Business / Agriculture Account Counter Cheques Printed - 200 Cheques Available

$120.00

Business / Agriculture Cheque Binders (by order)

$25.00

Count and Roll Member Coin (Wainwright Branch Only)

$10.00 min or 10% whichever is greater

Deposit Books (CU generic)

N/C

Duplicated Tax Receipts / Tax Slips (T5, RSP Receipt, NR4)

$10.00

Personalized Cheques (Davis & Henderson)

COST

Cheque binders (available by special order)

$40.00

Post-Dated Cheques held for deposit

$10.00

Unqualified Item

$45.00

Closed Account AFT or Cheque Swapped or account reopened

$45.00

Reversal of AFT Payment

$45.00

Loan Payment Returned (NSF, Payment Stopped, etc.)

$45.00

Night Deposit Bags (Plastic Disposable package of 100 bags)

$30.00

Stop Payment - Full Details (cheque)

$15.00

Stop Payment - Partial Details (cheque)

$25.00

Stop Payment - AFT

$25.00

Stop Payment - Stop All (90 days)

$50.00

Stop Payment - Ongoing Stop All (max 1 year)

$50.00 / Month

Stop Payment - US Accounts

$25.00 USD

Third Party Demand / Requirement to Pay

$50.00

USD Cheque Included in a Prepared Deposit to a CAD Account

$45.00 / Item

USD Cheque Written on a CAD Account

$45.00

Overdrafts

Chargeback to depositor for returned cheque

$15.00

Chargeback to depositor for returned AFT

$15.00

NSF Cheque Processing - Applicable Currency (CAD or USD)

$45.00 / Item

Overdraft Accommodation Fee - Applicable Currency (CAD or USD)

$10.00 / Item

Overdraft Transfers - Pre-arranged, manual transfer to cover overdraft

$10.00

Unauthorized Overdraft Notice

$15.00

Safety Deposit Boxes

Annual Rental (includes GST) - 1.5" x 5"

$35.00

Annual Rental (includes GST) - 2.5" x 5"

$50.00

Annual Rental (includes GST) - 3.25" x 5"

$55.00

Annual Rental (includes GST) - 5" x 5"

$75.00

Annual Rental (includes GST) - 2.5" x 10"

$75.00

Annual Rental (includes GST) - 5" x 10"

$125.00

Annual Rental (includes GST) - 10" x 10"

$230.00

Drill Box - Plus Mileage

$200.00

Replacement Key

$30.00 / Key

Statement Services

Copies of Imaged Cheques / Statements - 0 to 90 days (min. charge $5.00)

$1.00 / Page

Copies of Imaged Cheques / Statements - 90 days or more (min. charge $5.00)

$3.00 / Page

Copies of Imaged Cheques / Statements - Other Statement Reconstruction over 90 days

$25.00 / Hour

Copies of Imaged Cheques / Statements - Member accessed through Internet Banking

N/C

eStatements (available on internet banking)

N/C

Business / Agriculture Account Paper Statements

N/C

Personal or Community Builder Account Paper Statements

$2.00 / Statement

Transfers

Manual - in Absence of Member (between deposit accounts)

$10.00

Pre-Authorized automatic transfers to cover shortfall - Business / Agriculture Accounts

$1.25

Pre-Authorized automatic transfers to cover shortfall - Personal Accounts

$1.00



Wires

Incoming - from another Credit Union

$15.00 CAD/ $15.00 USD

Incoming - from another Canadian Financial Institution

$22.50 CAD/ $22.50 USD

Incoming - from any Foreign Financial Institution

$35.00 CAD/ $35.00 USD

Outgoing - to another Alberta Credit Union

$15.00 CAD/ $15 USD

Outgoing - to another Canadian Credit Union

$22.50 CAD/ $22.50 USD

Outgoing - to another Canadian Financial Institution

$35.00 CAD/ $35.00 USD

Outgoing - to any Financial Institutions in the US

$40.00 CAD/ $40.00 USD

Outgoing - to any destination outside of Canada

$40.00 CAD/ $40.00 USD

Any Wires - with Incomplete or Incorrect Information

$50.00

 

Rates are subject to change without notice.

 

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