- Monthly Fee - $4
- In-Branch or Electronic Transactions - 12
- INTERAC® e-Transfers - FREE
Welcome! We are pleased to continue uninterrupted financial services through your choice of channel: digital, online chat, phone, or in-branch. Learn more about your options, our hours and how we are keeping everyone safe along the way.
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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 (annual proof of enrolment required)
- 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 |