Service Fees
Belgian-Alliance Credit Union offers a wide variety of personal products and services at competitive prices.
| Schedule of Service Charges | |
| AUTOMATED TELLER MACHINE (ATM) | |
| ATM Withdrawals (Non-Credit Union ATM) | $2.50 |
| ATM Withdrawals (Cirrus Network U.S./International) | $5.00 |
| BANK DRAFTS | |
| Canadian or U.S. Funds | $10.00 |
| BILL PAYMENTS | |
| Over the phone | $1.50 |
| In-branch (U.S. Funds) | $1.50 |
| Payment Trace & Recall | $25.00 |
| CHARGEBACKS, OVERDRAFTS, & RETURNED ITEMS | |
| System Generated Transfer to Cover Overdraft | $3.00 |
| Chargeback Canadian Funds | $10.00 |
| Chargeback U.S. Funds (in U.S. dollars) | $10.00 |
| Non Sufficient Funds (NSF) Overdraft Charge per Item | $5.00 |
| Non Sufficient Funds (NSF) Return per Item | $40.00 |
| CHEQUES | |
| Orders | Cost |
| Certification (Members) | $10.00 |
| Certification (Non-Members) | $25.00 |
| Non MICR Encoded Cheque | $10.00 |
| U.S. Cheque Drawn on Canadian Account | $10.00 |
| Post-dated Cheque Handling | $3.00 |
| DORMANT & UNCLAIMED MEMBERSHIPS* | |
| * Fees do not apply to members under 18 years of age | |
| Membership Closures within 12 Months of Inactivity | $30.00 |
| Unclaimed Memberships - Annual Charge | lesser of $36.00 or Account Balance |
| ESTATE ACCOUNTS | |
| Opening & Administration | $150.00 |
| T3 Filing by Concentra/Wyth Financial | Cost + $75.00 |
| INVESTMENTS | |
| Investment Transfers Out (per item) | $100.00 |
| Duplicate Tax Receipts | $25.00 |
| Concentra/Wyth Financial Payout Consultation | Cost + $75.00 |
| LOANS & MORTGAGES | |
| CAFT Payment Retries | $45.00 |
| CAFT Admin Fee (set up or change) | $25.00 |
| Late Notice Administration Fee | $25.00 |
| Mortgage Appraisals | Cost |
| Personal Property Registrations, Searches, etc. | Cost |
| Title Search | $50.00 |
| Property Tax Search | $45.00 |
| Mortgage Blend & Extend | $150.00 |
| Mortgage Re-Advancement | Cost + $150.00 |
| Mortgage Discharge | Cost + $100.00 |
| Interim Financing | |
| • Existing Mortgage with BACU | $100.00 |
| • Existing Mortgage with another Financial Institution | min. $250.00 |
| Loan Application Fee (Business) | Varies |
| SAFETY DEPOSIT BOXES* | |
| *Annual fee | |
| • 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 |
| • Golden Accounts Receive $15 Off any size Safety Deposit Box | |
| One Lost Key | Cost + $10.00 |
| Drilling of Safety Deposit Box | Cost + $50.00 |
| STATEMENTS | |
| Mailed Monthly Statement | $2.50 |
| Monthly Statement Printed In-branch | $2.50 |
| Member Transaction Print Out | $1.00 per page |
| STOP PAYMENTS | |
| In-Branch & Online | $10.00 |
| TRANSFERS WITHIN BACU | |
| Over the phone | $3.00 |
| WIRE TRANSFERS | |
| Incoming Wires | $20.00 |
| Outgoing Wires within Canada & U.S. | $40.00 |
| Outgoing Wires - International | $60.00 |
| OTHER FEES | |
| Debit Card Replacement | $10.00 |
| Ordering/Shipping Foreign Currency (excl. U.S. Currency) | $10.00 |
| Money Order Trace Request | $40.00 |
| Record Searches* | |
| *Minimum Charge of $25.00 | |
| • All Searches (per hour) | $50.00 |
| Garnishment Orders & Requirements to Pay | $50.00 |
| Photocopying (per page) | $1.00 |
| Non-Member ATM Adjustment Fee | $10.00 |
| Bank Confirmations | |
| • Without Loans | $30.00 |
| • With Loans (per hour) | $30.00 |
| • Interest Paid Letter | $25.00 |
| Night Deposit Bags (per 100) | $30.00 |
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.
