Fee for Service |
Revised February 2023 |
Transaction Fees | |
Retail transaction fees (choose WestobaONE add-ons to eliminate this fee) | $1.50 |
Commercial debit items (carry a minimum monthly balance to eliminate this fee) | $0.65 |
ATM Fees | |
Acculink (Canadian Credit Union ATM) | FREE |
Interac (Canadian Banks) | $2.00 |
Cirrus (International ATMs) | $5.00 |
Bill Payments | |
In branch or via Virtual Services | $3.00 plus account service charge |
In branch Westoba Collabria credit card bill payments | FREE |
Online banking | FREE |
Negotiables | |
Money Order (CDN) | $15.00 |
Primary Order (CDN or USD) | $10.00 |
Certified Cheque | $20.00 |
Draft (USD) | |
<$10,000 | $15.00 |
$10,001 – $24,999 | $20.00 |
>$25,000 | $25.00 |
Stop Payments – Cheque or ETF | |
All information provided | $15.00 |
Partial information provided | $20.00 |
Stop all | $40.00/month |
Wires | |
Between Credit Unions Incoming and Outgoing | Please contact us for pricing. |
Within Canada Incoming and Outgoing | Please contact us for pricing. |
Outside Canada Incoming | Please contact us for pricing. |
Outside Canada Outgoing | Please contact us for pricing. |
Account Services | |
ClickSWITCH – subsequent enrollment | $25.00 |
Organization account signers changing more than once per year | $35.00 |
Cash Order (greater than $10,000) | $75.00 |
Coin Deposit or Withdrawal | $0.10 per roll |
Post-dated cheques held for deposit | $2.00 |
Dormant account fee | $40.00 |
Full Membership Closure (opened 6 months or less) | $50.00 |
Customer Automated Funds Transfers | |
AFT set up – lending payment or investment | $20.00 |
AFT change | $5.00 |
Foreign Currency – Non USD | |
Purchasing or cashing foreign currency (non USD) | Service provider fee |
Registered Products | |
TFSA Variable Withdrawal more than one a month | $5.00 |
Full transfers | $100.00 |
Registered Education Savings Plan transfer | $100.00 plus Concentra fee |
LIRA or LIF special withdrawal | $100.00 |
Balance of Account Transfer out to another financial institution | $20.00 |
Statements | |
Monthly mailed | $3.00 |
Electronic (e-statement) | FREE |
In branch statement printing | $5.00 |
Print version of electronically signed documents | $5.00 |
Transfers | |
Transfer from one Westoba account to another via Virtual Services | $2.00 |
Transfer from one Westoba account to another via branch phone request | $5.00 |
Transfer from a USD account to a CDN account | $1.00 |
Online banking | Free within monthly transaction count, if applicable. |
Automatic Pre-Authorized Transfer (PAT) | Free within monthly transaction count, if applicable. |
eTransfer | $1.50 |
Request Money Deposit | $1.50 plus account service charge, if applicable. |
Balance of Account transfer out to another financial institution or non-registered investment transfer out to another financial institution | $20.00 |
AgriInvest Direct Transfer out to another financial institution | $100.00 |
SAFETY DEPOSIT BOXES *all sizes might not be available at branches | |
1.5″ x 5″ | $40.00 |
2.5″ x 5″ | $50.00 |
3″ x 5″ | $55.00 |
3.25″ x 5″ | $60.00 |
5″ x 5″ | $70.00 |
2.5″ x 10″ and 3″ x 10″ | $80.00 |
5″ x 10″ | $95.00 |
Key replacement | $30.00 plus cost |
Drilling and repair | $150.00 plus cost |
Administration Fees | |
Duplicate Tax Slips/receipts | $15.00 |
Official communication on Westoba Credit Union letterhead | $30.00 |
MemberCard Replacement (except a renewal card) | $15.00 |
Interac flash deactivation | $40.00 |
Online banking | Free |
Mail an in-branch personal cheque order (standard postage) | $10.00 |
Mail an in-branch business cheque order (plus postage) | $15.00 |
Estate membership opening | $100.00 |
Cheques, Clearing Items and Overdrafts | |
Returned item – non-sufficient funds (NSF) | $40.00 plus overdraft fee |
Unauthorized Overdraft | $10.00 per item |
Authorized Overdraft | $5.00 charged once per month if used |
Night Deposits | |
Disposable bags (group of 100) | $30.00 |
Initial cloth credit union bag and key | $40.00 |
Looking for ways to reduce service fees? Talk to us! Call 1-877-WESTOBA, infowcul@westoba.com, or visit us in branch. |