Business Chequing Account Fees

BUSINESS ACCOUNT FEES

Insufficient Funds Fee	$42.00
Cheques, encoded, per item	$0.75
Cheques, non-encoded, per item	$5.00
Rejected items, per item	$5.00
Direct payment purchases	$0.75
Preauthorized payments	$0.75
Business cheques, printing order	Cost
Cheque holders/binders	Cost
Additional starter cheques/per page	$3.00
In-branch withdrawals or transfers	$0.75
System transfer to cover overdraft	$4.00
Telephone request for transfer	$4.00
MemberDirect^® Online transfer	$0.75
MemberLink^® Telebanking transfer	$0.75
Chargebacks	$5.00
Stop payments	$13.00
Overdraft charge, per item	$5.00
Collections sent and received	$18.00
Line of Credit, monthly fee min.	$2.50
Annual account review	Negotiable
Customer Automated Funds Transfer (CAFT)	Negotiable
Night depository bags	Cost
Bill payments - in-branch	$1.50
Bill payments by MemberLink^® Telebanking, MemberDirect^® Online Banking	$0.75
INTERAC e-Transfers^®	$1.50
Monthly Printed Statement Fee	$2.00
Cheque Images included in Printed Statement	$1.00
Deposits at SCCU (in-branch, ATM, night depository)	FREE^*
Coin orders	FREE^*
*SCCU reserves the right to negotiate the monthly fee to accommodate extremely high volume accounts, and to limit large volume cash and cheque deposits.

AUTOMATED TELLER MACHINE (ATM) CHARGES

SCCU ATM	$0.75
Other BC Credit Union ATM	$0.75
EXCHANGE ATM	$0.75
INTERAC^® ATM	$2.00
U.S. ATM	$3.00
International ATM	$5.00

Some institutions have additional surcharges; THE EXCHANGE^® Network has no surcharges.

MISCELLANEOUS

Letter of interest paid (income tax)	$15.00
Registration of Certificate of Title	cost +$25.00
Letter of Credit	1% min. $25.00
Automatic loan payment reversed	$5.00
Account closed (open less than 90 days)	$25.00
Balance of account transfer**	$20.00
Inactive account – annually	$25.00
Reference letter – account balance	$15.00
Reference letter – bank verification	$20.00
Reference letter – interest earned	$15.00
Voucher search – less than 30 days	$5.00
Voucher search – more than 30 days	$30.00/hr, min. $15.00
Post dated cheques, held for deposit	$3.00 per item
Statement prepared in branch	$5.00
Chargebacks	$5.00
Cheque drawn on non-chequing account	$5.00
Bill payment tracing	cost
Replace lost night deposit key	cost
Returned mail processing fee	$10.00
U.S. Draft (USD)	$6.75
Official Cheque	$6.75
Monthly Printed Statement Fee	$2.00
Cheque Images included in Printed Statement	$1.00
Additional change of signor fee	$25.00

*Transactions included in Account Packages: direct payment purchases, pre-authorized payments, bill payments through MemberLink® Telebanking, MemberDirect® Online Banking, withdrawals at all BC credit union ATMs and EXCHANGE® ATMs, in-branch withdrawals and cheques.

**Except when transferred to another credit union.

MEMBERCARD® is a registered certification mark owned by Canadian Credit Union Association, used under license.

_{INTERAC Online® and INTERAC e-Transfer® are trademarks of Interac Inc. Used under license.}

_{MemberLink® Telephone Service and MemberDirect® Online Service are registered trademarks owned by Canadian Credit Union Association, used under license.}

Accounts

Credit Cards

Payment Solutions

Financing

Investing & Retirement

Insurance