Service Fees

Belgian-Alliance Credit Union offers a wide variety of personal products and services at competitive prices.

PERSONAL CHEQUING ACCOUNTS
C01 C24 C20 C21 C51 C03 C90
Account Type Regular Chequing Bronze Chequing Silver Chequing Platinum Chequing Young Canadian Chequing Golden Chequing US Chequing
Account Designed for: Pay-as-you-go with no fixed monthly fee Low volume account for members who anticipate having up to 20 transactions per month Mid volume account for members who anticipate having up to 40 transactions per month A high volume account for members who prefer to have an all inclusive monthly fee For members aged 18 to 25 who are starting a career, continuing education and/or starting a family For members aged 60 or better - provides unlimited transactions at no cost Provides easy access to US funds
Monthly Fee No Monthly Fee $6.50/Month $10.50/Month $15.50/Month No Monthly Fee No Monthly Fee No Monthly Fee
 
Cheques or Pre-authorized Debits $0.65 Up to 20 combined transactions each month Up to 40 combined transactions each month Unlimited Up to 40 combined transactions each month Unlimited $1.00
Debit Cards Purchases (POS) $0.65 N/A
ATM Withdrawal (Credit Union ATM) $0.65 N/A
Bill Payments (Online Banking and by TeleBanking) $0.65 N/A
Cash Withdrawal (in Branch) $0.65 $1.00
Charges for Transactions in Excess of Limit $0.65 $0.65 $0.65 N/A $0.65 N/A $1.00
Transactions without Service Fees
Deposits (in Branch or ATM) Free Free Free Free Free Free Free
Online Banking Access Free Free Free Free Free Free Free
Transfers (In Branch, Online Banking, TeleBanking or ATM) Free Free Free Free Free Free Free
Pay-as-you-go Service Fees
Transfers (System generated) $3.00 $3.00 $3.00 $3.00 $3.00 $3.00 $3.00
Bill Payments (Over the counter) $1.50 Free Free Free Free Free $1.50
ATM Withdrawals (Non-Credit Union ATM) $2.00 $2.00 $2.00 $2.00 $2.00 $2.00 N/A
POS Purchases (Cirrus Network US) $1.00 $1.00 $1.00 $1.00 $1.00 $1.00 N/A
ATM Withdrawals (Cirrus Network US/International) $5.00 $5.00 $5.00 $5.00 $5.00 $5.00 N/A
Statements - Produced Monthly $2.00 $2.00 $2.00 $2.00 $2.00 $2.00 $2.00*
Cheque Order Per order charge Per order charge Per order charge Per order charge Per order charge Per order charge Per order charge
 
Additional Benefits: Maintain a minimum monthly balance of $1,500 and fees for cheques, pre-authorized debits, POS & ATM withdrawals will be waived $15 off all Safety Deposit Box rentals *Fee waived if linked to Canadian Chequing Account.
PERSONAL SAVINGS ACCOUNTS
S10 S50 S21 S13 S04 S02 S30
Account Type Plan 24 Savings
Regular Savings High Interest Savings Golden Savings FAT CAT Savings HEADSTART Savings US Savings
Account Designed for: A low fee savings account that pays interest on the daily closing balance A low fee savings account that pays tiered interest on the daily closing balance A high interest savings account that pays interest on the minimum monthly balance A no fee savings account that pays interest on the daily closing balance

For members aged 60 or above.
A low fee savings account that pays interest on the daily closing balance

Available to members 12 years of age & under.
A low fee savings account that pays interest on the daily closing balance

Available to members 13-17 years of age.
A US Dollar savings account that pays interest on the minimum monthly balance with no additional fees
Monthly Fee No Monthly Fee No Monthly Fee No Monthly Fee No Monthly Fee No Monthly Fee No Monthly Fee No Monthly Fee
 
Cheques or Pre-authorized Debits Includes 2 free transactions per month $0.65 Includes 1 free transaction per month Unlimited Includes 4 free transactions
per month
Includes 15 free transactions per month $1.00
Debit Cards Purchases (POS) $0.65 N/A
ATM Withdrawal (Credit Union ATM) $0.65 N/A
Bill Payments (Online Banking and by TeleBanking) $0.65 N/A
Cash Withdrawal (in Branch) $0.65 $1.00
Charges for Transactions in Excess of Limit $0.65 $0.65 $1.25 N/A $0.65 $0.65 $1.00
Transactions without Service Fees
Deposits (in Branch or ATM) Free Free Free Free Free Free Free
Online Banking Access Free Free Free Free Free Free Free
Transfers (In Branch, Online Banking, TeleBanking or ATM) Free Free Free Free Free Free Free
Pay-as-you-go Service Fees
Transfers (System generated) $3.00 $3.00 $3.00 $3.00 $3.00 $3.00 $3.00
Bill Payments (Over the counter) $1.50 $1.50 $1.50 Free Free Free $1.50
ATM Withdrawals (Non-Credit Union ATM) $2.00 $2.00 $2.00 $2.00 $2.00 $2.00 N/A
POS Purchases (Cirrus Network US) $1.00 $1.00 $1.00 $1.00 $1.00 $1.00 N/A
ATM Withdrawals (Cirrus Network US/International) $5.00 $5.00 $5.00 $5.00 $5.00 $5.00 N/A
Statements - Produced Monthly Included w/ Canadian Chequing* Included w/ Canadian Chequing* Included w/ Canadian Chequing* Included w/ Canadian Chequing* Free Free Included w/ Canadian Chequing*
 
Notes: *Monthly fee does not apply if linked to a Canadian Chequing Account. If a Canadian Chequing account is not present, a monthly fee of $2.00 will apply.
Additional Service Fees
Automatic Teller Machines (ATMs)
Belgian-Alliance ATM
     Deposit Free
     Withdrawal $0.65
Manitoba Credit Union Network
     Deposit Free
     Withdrawal $0.65
ATM Withdrawal Interac Network (Canada) $2.00
ATM Withdrawal Cirrus Network (US/International) $5.00
Bank Confirmations
Without Loans $25.00
With Loans (per hour) $25.00
Interest Paid Letter $15.00
Bill Payments
Belgian-Alliance Online $0.65
Belgian-Alliance via Telephone Banking $0.65
In Branch (in Person) $1.50
In Branch (by Phone) $1.50
Trace (Bill Payment) $15.00
Recall (Bill Payment) $25.00
Utility Bill Payment for Non-Members $3.00
CAFT
Pre-Authorized Credits Free
Pre-Authorized Debits Varies
Charge Backs
Canadian Funds $8.00
US Funds (in US dollars) $8.00
Cheques
Orders Varies
Certification (Members) $10.00
Certification (Non-Members) $20.00
Cheque Clearing $0.65
Non Sufficient Funds (NSF) $40.00
Non MICR encoded cheque $5.00
US Cheque Drawn on Canadian Account $10.00
Collections
Cheques Sent On $20.00
Coin Handling (per $100) $2.00
Debits & Withdrawals
From Chequing $0.65
From Savings $0.65
From Chequing - Golden Free
From Savings - Golden Free
From Plan 24 $0.65
From High Interest Savings (one free per month) $1.25
From US accounts $1.00
Interac Direct Payments (POS) $0.65
POS Purchases (Cirrus Network US) $1.50
Deposits Free
Dormant Accounts*
Account Closings (within 6 months) $15.00
Inactive Accounts (no activity for 6 months) $2.00/mo
Unclaimed Accounts
     $25.00 and less Account Balance
     $25.01 to $1,000.00 (Annual Fee) $24.00
     After two years of inactivity, balance transferred to unclaimed $35.00
*Fees do not apply to members under 18 years of age
e-Transfers
Sending e-Transfer $1.50
Receiving e-Transfer Free
Cancelling e-Transfer Free
Foreign Exchange Services (excl. US Currency)
Ordering Foreign Currency $10.00
Shipping Foreign Currency $10.00
Loan Payments
Electronic Funds Transfer Free
Automatic Transfer From Belgian-Alliance Free
NSF Loan Payment $40.00
CAFT Loan Payment Retries $40.00
Late Notice Administration Fee $5.00
MemberCards
Replace Lost Card $10.00
Money Orders
Canadian Funds $6.50
Tracing Money Orders $25.00
Bank Drafts & Primary Orders
Canadian Funds $10.00
US Funds $6.50
Monthly Administration
Regular Chequing Accounts Free
All US Accounts Free
All Savings Accounts Free
Mortgages
Appraisals Cost
Personal Property Registrations Cost
Mortgage Renewals
     Principle Residences Free
     Revenue/Commercial $100.00
Mortgage Discharges
     Payouts Cost plus $100
     Transfer to Another Financial Institution $180.00
     Re-Advancements $150.00
Interim Financing
     New Mortgage with Belgian-Alliance Credit Union $125.00
     Other $200.00
Night Deposit
Bags (per 100) $15.00
Overdrafts
System Generated Automatic Transfer (to cover overdraft) $3.00
Surcharge (per item plus applicable interest) $5.00
Overdrawn Courtesy Telephone Call $5.00
Record Searches
All Searches (per hour)* $30.00
*Minimum Charge of $20.00
Safety Deposit Boxes (plus GST)
Small 1.5" x 5" $35.00
Medium 2.5" x 5" $45.00
Large 5" x 5" or 2.5" x 10" $70.00
Extra Large 5" x 10" $100.00
Key Replacement (lost key) Cost plus $10
Drilling of Safety Deposit Box Cost plus $25
Statements
Produced Monthly (per statement) $2.00
Printed in Branch $1 per page
Online Access to Account History Free
Stop Payments
Complete Information $10.00
Transfers
Online Free
By Telephone Banking Free
Automatic Teller Machines Free
Full Service Using BACU Staff
     in Branch Free
     in Phone $3.00
System Generated to cover Overdraft $3.00
Balance of Non-Registered Account to Another Institution $25.00
Investment Transfers Out (per item) $50.00
US Accounts (fees in US Dollars)
US Cheque or Debit $1.00
Withdrawals $1.00
Monthly Maintenance Fee Free
Deposits Free
Wire Transfers*
Outgoing Wires
     Canadian funds within Canada Cost plus $10
     Canadian funds to US/International Cost plus $10
     US funds within Canada and the US Cost plus $10
     US funds International Cost plus $30
Incoming Wires
     From Canada/US/International $12.00
*Please note: other charges may apply
Other Fees
Duplicate Tax Receipts $10.00
Garnishment Orders and Requirements to Pay $50.00
Amendments to Signing Authorities $50.00
Photocopying and Faxes (per page) $1.00
T3 Filing by Concentra Financial $150.00
Concentra Financial Payout Consultation $150.00
Non-Member ATM Adjustment Fee $6.50

If you have a question or inquiry regarding a service charge showing on your account, please contact your branch.

Rates and fees are subject to change without notice.