Service Fees

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

BUSINESS ACCOUNTS
C40 C45 C46 C47 C41 C90 S17 S27
Account Type Regular Business Chequing Bronze Business Chequing Silver Business Chequing Platinum Business Chequing Non-Profit Business Chequing US Chequing Regular Business Savings High Interest Business Savings
Account Designed for: 1 Free Transaction per $500 minimum monthly balance included Low volume account for small businesses who anticipate having up to 25 transactions per month Mid volume account for businesses who anticipate having up to 60 transactions per month High volume account for businesses who anticipate having up to 100 transactions per month An account designed specifically for non-profit organizations For businesses with the need to maintain US funds A low fee savings account that pays interest on the daily closing balance A high interest savings account that pays interest on the minimum monthly balance
Monthly Fee $5.00/Month $17.50/Month $37.50/Month $60.00/Month No Monthly Fee No Monthly Fee No Monthly Fee No Monthly Fee
 
Cheques or Pre-authorized Debits $0.75 Up to 25 combined transactions each month Up to 60 combined transactions each month Up to 100 combined transactions each month Up to 20 combined transactions each month $1.00 $0.75 Includes 1 free transaction per month
Debit Cards Purchases (POS) $0.75 N/A $0.75
ATM Withdrawal (Credit Union ATM) $0.75 N/A $0.75
Bill Payments (Online Banking and by TeleBanking) $0.75 N/A $0.75
Cash Withdrawal (in Branch) $0.75 $1.00 $0.75
Transfers (In Branch, Online Banking, TeleBanking or ATM) $0.75 $1.00 $0.75
Deposits (in Branch) $0.75 Free $0.75
Charges for Transactions in Excess of Limit $0.75 $0.75 $0.75 $0.75 $0.65 $1.00 $0.75 $1.25
Pay-as-you-go Service Fees
Transfers (System generated) $3.00 $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 $1.50 $1.50 $1.50 $1.50 $1.50
ATM Withdrawals (Non-Credit Union ATM) $2.00 $2.00 $2.00 $2.00 $2.00 N/A N/A N/A
POS Purchases (Cirrus Network US) $1.00 $1.00 $1.00 $1.00 $1.00 N/A N/A N/A
ATM Withdrawals (Cirrus Network US/International) $5.00 $5.00 $5.00 $5.00 $5.00 N/A N/A N/A
Statements - Produced Monthly Included in Monthly Fee Included in Monthly Fee Included in Monthly Fee Included in Monthly Fee $2.00 Included w/ Canadian Chequing* Included w/ Canadian Chequing* Included w/ Canadian Chequing*
Cheque Order Per order charge Per order charge Per order charge Per order charge Per order charge Per order charge Per order charge Per order charge
 
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 $0.75
     Withdrawal $0.75
Manitoba Credit Union Network
     Withdrawal $0.75
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 $0.75
Belgian-Alliance via Telephone Banking $0.75
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 $0.75
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 $0.75
From Savings $0.75
From High Interest Savings (one free per month) $1.25
From US accounts $1.00
Interac Direct Payments (POS) $0.75
POS Purchases (Cirrus Network US) $1.50
Deposits $0.75
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
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 (includes Monthly Mailed Statements with Images) $5.00
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
Loan Application Fee Varies
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
Stop Payments
Complete Information $10.00
Transfers
Online $0.75
By Telephone Banking $0.75
Automatic Teller Machines $0.75
Full Service Using BACU Staff
     in Branch $0.75
     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.