Service Charges



 
 ADVANTAGE $11.95/MONTH CHEQUING ONLY
 *50 Point of Sale (Debit) transactions per month
 Free Internet Banking
 Free Internet Banking
 No minimum deposit required
 Pre-Approved line of credit/overdraft of up to $5,000.00*
 (with payroll deposit*)
 Monthly statements










 
 ADVANTAGE PLUS $14.35/MONTH CHEQUING ONLY
 Unlimited point of sale (debit) or cheque transactions per month
 10 Free Interac Network ATM transactions
 10 Free Pre-Authorized debit transactions
 Interest earned on minimum balance paid monthly
 Free internet and phone banking
 No minimum deposit required
 Pre-Approved line of credit/overdraft of up to $5,000.00*
 (with payroll deposit*)
 Monthly statements
 
SERVICE FEE LISTING PAY AS YOU GO FOUNDERS GOLDEN
 Internal Transfers Free Free Free
 Internal Auto Payments Free Free Free
 Personal Cheques Cleared 0.65 Free Free
 Non-Encoded Cheques 5.00 5.00 5.00
 Pre-Authorized Debits 0.65 Free Free
 Point of Sale 0.65 Free Free
 ATM Withdrawal (Exchange) Free Free Free
 ATM Withdrawal (Non-Exchange) 1.75 1.75 1.75
 ATM Withdrawal (outside of  Canada) 3.00 3.00 3.00
 Sending Interac e-Transfer 1.50 1.50 1.50
 Receiving Interac e-Transfer Free Free Free
 Requesting Interac e-Transfer 1.50 1.50 1.50
 ATM Card Replacement Free Free Free
 NSF Charges 25.00 25.00 25.00
 Overdraft Charge (Per Item) 5.00 5.00 5.00
 Non NSF returned by VPCU Free Free Free
 Official Cheques - CDN 5.00 Free Free
 Official Cheques - USD 5.00 5.00 5.00
 In Branch Member Bill Payments 1.00 1.00 1.00
 
 
SAFETY DEPOSIT BOXES  PAY AS YOU GO FOUNDERS GOLDEN
 2 by 5 by 24 25.00 20.00 20.00
 3 by 5 by 24 35.00 30.00 30.00
 3 by 10 by 24 50.00 45.00 45.00
 5 by 10 by 24 95.00 90.00 90.00
 10 by 10 by 24 150.00 145.00 145.00
 Drilling Boxes Cost Cost Cost
 Replacing Lost Key 15.00 15.00 15.00











 
MISCELLANEOUS OTHER FEES PAY AS YOU GO  FOUNDERS GOLDEN
 Bill Payment Trace Request 15.00 15.00 15.00
 Stop Payments 10.00 10.00 10.00
 US cheques on US account 2.50 0.00 0.00
 US cheques on CAD account 5.00 5.00 5.00
 Holding Cheques per item 5.00 5.00 5.00
 VPCU Cheque order (each) 5.00 Free Free
 VPCU Cheque order mailed (each) + Postage 5.00 + Postage Postage only Postage only
 VPCU business cheques (per 100) 5.00 5.00 5.00
 Close account./Tsf to other C.U. Free Free Free
 Close account./Tsf to Bank or Cash 15.00 15.00 15.00
 Money Wire Cost + 15.00 Cost + 15.00 Cost + 15.00
 Paper Statement Fee 3.00 3.00 3.00
 RRSP/TFSA/RESP/Non-Registered tranfer out 75.00 75.00 75.00
 RRSP/TFSA/RESP/Non-Registered transfer out to Virtual Wealth, Qtrade or G&F Financial Planning via a VPCU Referral 35.00 35.00 35.00
 RRIF Admin Annual Fee 25.00 25.00 25.00

























 
MORTGAGES PAY AS YOU GO
 Registration fees Cost
 Solicitor fees Cost
 On Site Appraisal fees Cost
 Landcor Online Appraisal Assesment and Title Fee 125.00
 Mortgage Renewal Fee 75.00
 Mortgage Modification Fee 100.00
 Converting Variable "Flex Rate Mortgage" to Fixed Rate No fee
 Blend and Extend No fee
 Land Title Search 25.00
 Discharge and Document Fee 75.00
 Personal Loan PPSA Registration 30.00
 Construction Mortgage - Application Fee 500.00
 Construction Mortgage - Subsequent Advance Review Fee 500.00

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Fees listed are subject to change without prior notification.