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BUSINESS SAVINGS ACCOUNT FEES

BUSINESS SAVINGS ACCOUNTS

  • Daily interest savings account - no minimum balance required
  • Interest calculated on a daily closing balance and paid quarterly
  • Interest Rate: 0.5%
  • Monthly Fee - $0

HIGH INTEREST BUSINESS SAVINGS ACCOUNT

  • Competitive interest rates established on a tiered system
  • Interest calculated on a step basis
  • Interest calculated on a daily closing balance and paid monthly
  • Monthly Fee - $0

BUSINESS ACCOUNT FEES

Insufficient Funds Fee$42.00
Rejected items, per item $5.00
Direct payment purchases $0.75
Preauthorized payments $0.75
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 bagsCost
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
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.

WIRE TRANSFERS

To credit union in BC      $10.00
To credit union outside of BC or bank                                                                                                                                               $2.00
Internationalcost + $7.00

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

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OPEN A SAVINGS ACCOUNT

OPEN A HIGH INTEREST SAVINGS ACCOUNT

We are always here to help

LIVE CHAT

M-F  8:30am - 6:30pm
Sat   8:30am - 2:00pm

EMAIL

inquiries@sunshineccu.net
M-F   8:30am-6:30pm
     Sat    8:30am -2:00pm    

VISIT

Branches in Gibsons, Sechelt and Pender Harbour

*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. 

Rates, fees and accounts are subject to change. For a complete list of services and fees, refer to our Service Fee Guide.