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Products and Services

Description of Products

> Service Charges

Mutual Funds

Ethical Funds

Deposit Insurance

NOTE: Most of our service charges have not been changed since 1982.

REGULAR CHEQUING
Free:	•   Deposits   •   Access by Phone and Internet Banking   •   Withdrawals & Transfers in-branch   •   V.P. Credit Union cash machine withdrawals
Applicable Service Charges:
Chequing $0.50 Silver Shield $0.50	•   Cheques cleared   •   Pre-authorized payments   •   Interac Direct Payment/Point of Sale transactions   •   Bill Payment by Phone and Internet Banking   •   Exchange Network ATM withdrawals
$2.00	•   Interac ATM withdrawals
$3.00	•   International ATM transactions & Certified Cheques
At Cost	•   Cheque orders

NO FEE - GOLD SHIELD CHEQUING AND FOUNDERS CLUB
No fee includes:
Free:	•   Deposits, Withdrawals & Transfers   •   Bill Payments & Transfers using Phone or Internet Banking   •   In Office - Personalized Cheque Orders   •   Pre-authorized payments   •   V.P. Credit Union ATM transactions   •   Interac Direct Payment/Point of Sale transactions   •   Canadian money orders, official cheques and travelers cheques
Applicable Service Charges:
$2.00	•   Interac ATM Cash Withdrawals
$3.00	•   International ATM transactions

U.S. DOLLAR ACCOUNTS
Free:	•   Access to Phone and Internet banking   •   Deposits and Cash Withdrawals
Applicable Service Charges:
$2.00	•   Cheques cleared
At Cost	•   Cheque orders

SAFETY DEPOSIT BOX RENTALS
$25.00	2" x 5" x 24"
$35.00	3" x 5" x 24"
$50.00	3" x 10" x 24"
$95.00	5" x 10" x 24"
$150.00	10" x 10" x 24"
$15.00	Replacement Key
Cost	Drilling Boxes

MISCELLANEOUS SERVICE CHARGES
Overdraft per item charge	$5.00
Foreign currency draft (US $)	$5.00
Official cheques (CDN $)	$5.00
NSF charge (cheque returned)	$25.00
Returned Item (non NSF)	$2.00 per item
Stop payment In Branch	$5.00
Stop payment using Internet Banking	FREE
Travelers’ cheques (CDN & US)	1.00%
Cheques for two (CDN & US)	1.75%
US $ cheques cleared to a Canadian account	$5.00
Manually posted items eg: encoding errors and charge backs	$5.00

*Service Charges subject to change without notice.

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