- Monthly Fee - $4
- In-Branch or Electronic Transactions - 12
- INTERAC® e-Transfers - FREE
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UPDATES ON COVID-19: Your health and financial wellbeing is our top priority. Get the latest updates here.
Contact us by phone (604.740.2662) or (Live Chat) for all your banking related matters Monday to Friday 7:30am - 6:30pm and Saturdays 7:30am - 5:00pm (Please note we have minimized our In-Branch Service Hours)
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Accounts
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Credit Cards
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Mortgages
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Loans & Credit Lines
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Investing & Retirement
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Insurance
Accounts
Credit Cards
Mortgages
Loans & Credit Lines
Investing & Retirement
Insurance
CHEQUING ACCOUNT FEES
CORE
MOBILE UNLIMITED
- Monthly Fee - $9
- Electronic Transactions - Unlimited
- INTERAC® e-Transfers - FREE
- INTERAC® ATM withdrawals - 2
OPEN ACCOUNT
PREMIUM UNLIMITED
- Monthly Fee - $14
- In-Branch or Electronic Transactions - Unlimited
- INTERAC® e-Transfers - FREE
- INTERAC® ATM withdrawals - 2
OPEN ACCOUNT
U.S. DOLLAR ACCOUNTS
- Monthly Fee (USD) - $1.50
- Cost for services in USD (see Personal Account Fees)
Call us or visit one of our branches to open a U.S. Dollar Account.
YOUTH ACCOUNT FEES
CORE YOUTH (ages 10 - 18)
- Monthly Fee - FREE
- In-Branch or Electronic Transactions - 12
- INTERAC® e-Transfers - FREE
OPEN ACCOUNT
MOBILE UNLIMITED - Youth (ages 10-18) and Student (ages 19-24)
- Monthly Fee - FREE
- Electronic Transactions - Unlimited
- INTERAC® e-Transfers - FREE
- INTERAC® ATM withdrawals - 2
OPEN ACCOUNT
SENIOR ACCOUNT FEES
GOLDEN ACCOUNTS (for those 60+)
No standard service charges on CDN accounts, with the following exceptions:
- Non-EXCHANGE® ATM - $2
- U.S. and International ATM - $3/5
- INTERAC® e-Transfers® - $1.50
Reduction on safety deposit box rental fees.
OPEN ACCOUNT
ADDITIONAL ACCOUNT FEES
PERSONAL ACCOUNT FEES
| Insufficient Funds Fee | $42.00 |
| Overdraft charge, per item | $5.00 |
| System transfer to cover overdraft | $4.00 |
| Telephone request for transfer | $4.00 |
| Cheques, encoded, per item | $0.75 ($0.30 Youth) |
| Cheques, non-encoded, per item | $5.00 |
| Rejected items, per item | $5.00 |
| Preauthorized payments | $0.75 ($0.30 Youth) |
| Direct payment purchases | $0.65 ($0.25 Youth) |
| Stop payment order | $13.00 |
| Processing cheque drawn in U.S. funds on CDN account | $13.00 |
| Cheque sent/received for/on collection | $18.00 |
| Personalized cheques (printing) | Cost |
| Additional starter cheques/per page | $2.00 |
| Line of Credit, monthly fee minimum | $2.50 |
| Bill payments - in-branch | $1.50 ($0.75 Youth) |
| Bill Payments by MemberLink® Telebanking, MemberDirect® Online Banking | $0.75 ($0.30 Youth) |
| Fee to replace lost ATM card | $5.00 |
| Withdrawals (in-branch) | $0.75 |
| Transfers for Mobile Unlimited (in-branch) | $0.60 ($0.30 Youth) |
| Monthly Printed Statement Fee (does not apply to Youth/Student Accounts) | $2.00 |
| Cheque Images included in Printed Statement | $1.00 |
| INTERAC e-Transfers® (unless included in Account Package) | $1.50 |
| INTERAC Online®* | FREE |
| Deposits at SCCU (in-branch, ATM, night depository) | FREE |
| Transfers (in-branch) | FREE |
WIRE TRANSFERS
| To credit union in BC | $10.00 |
| To credit union outside BC or bank | $20.00 |
| International | Cost +$7.00 |
BILL PAYMENTS
MEMBERLINK® TELEBANKING | MEMBERDIRECT® IN-BRANCH | IN-BRANCH | |
| Regular | $0.75 | $0.75 | $1.50 |
| Youth/Student | $0.30 | $0.30 | $0.75 |
| Business | $0.75 | $0.75 | $1.50 |
AUTOMATED TELLER MACHINE (ATM) CHARGES
REGULAR | YOUTH/ STUDENT | |
| SCCU ATM | $0.65 | $0.25 |
| Other BC Credit Union ATM | $0.65 | $0.25 |
| EXCHANGE® ATM | $0.65 | $0.25 |
| INTERAC® ATM | $2.00 | $2.00 |
| U.S. ATM | $3.00 | $3.00 |
| International ATM | $5.00 | $5.00 |
Some institutions have additional surcharges; THE EXCHANGE® Network has no surcharges.
BORROWING + LENDING
LOANS
| PPSA - registration | cost +$25 |
| Renewal | cost |
| Lien search | cost +$15 |
Alterations | min. $20 |
MORTGAGES
| Appraisals | cost |
| Inspections | cost |
| Title Search | cost |
| Registry and solicitor fees | cost |
| Discharge and transfer out | $75 .00 |
| Early renewal 3 months interest or interest differential | |
| Renewal | $85.00 |
| Transfer in from other Financial Institution | nil |
SAFETY DEPOSIT BOXES
Small | $35.00 +GST |
| Medium | $45.00 +GST |
| Large | $70.00 +GST |
| Extra Large | $100.00 +GST |
| Drilling box | cost + $25.00 |
| Replacing lost key | cost + $10.00 |
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 |
| RESP, RRSP, RRIF or TFSA transfer out | $50.00 |
| 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 (does not apply to Youth) | $2.00 |
| Cheque Images included in Printed Statement | $1.00 |
| Additional change of signor fee | $25.00 |