Pricing
The following pricing applies to personal accounts only. Click here for pricing for commercial accounts. All pricing is subject to change without notice. For more information about Sydney Credit Union's service charges, please call our Main Branch at 562-5593 or our Sydney River Branch at 539-1684.
Prices effective June 8, 2016.
| Transaction Fees * | YOUR Chequing | YOUR Savings | YOUR Everything | YOUR US$ Chequing |
| Monthly Fee |
$2.00 |
Free |
Free |
$2.00 |
| YOUR Credit Union ATM Withdrawal |
$0.75 |
$0.75 |
Free |
NA |
| YOUR Credit Union ATM Bill Payment |
$0.75 |
$0.75 |
Free |
NA |
| EXCHANGE® and AccuLink® ATM Withdrawal |
$0.75 |
$0.75 |
Free |
NA |
| Interac® Network (domestic) ATM Withdrawal |
$1.50 |
$1.50 |
Free |
NA |
| NEW Interac® Online Payment |
$0.75 |
$1.00 |
Free |
NA |
| Interac® e-Transfer |
$1.50 |
$1.50 |
$1.00 |
NA |
| PLUS®* Network (international) ATM Withdrawal |
$3.50 |
$3.50 |
Free |
NA |
| GLOBAL PAYMENTTM MasterCard® |
$0.75 |
$1.00 |
Free |
NA |
| MemberDirect® Online Banking - Inquiry |
Free |
Free |
Free |
Free |
| MemberDirect® Online Banking - Transfer |
Free |
Free |
Free |
NA |
| MemberDirect® Online Banking - Bill Payment |
$0.75 |
$0.75 |
Free |
NA |
| TeleService® Telephone Banking - Inquiry |
$0.75 |
$0.75 |
Free |
$0.75 |
| TeleService® Telephone Banking - Transfer |
$0.75 |
$0.75 |
Free |
NA |
| TeleService® Telephone Banking - Bill Payment |
$0.75 |
$0.75 |
Free |
NA |
| Interac® Debit Purchase (MEMBER CARD®) |
$0.75 |
$1.00 |
Free |
NA |
| Pre-authorized Payment |
$0.75 |
$1.25 |
Free |
NA |
| Overdraft Fee |
$5.00 |
$5.00 |
$5.00 |
$5.00 |
| In-Branch Cash Withdrawal |
$0.75 |
Free |
Free |
$0.75 |
| In-Branch Bill Payment |
$1.00 |
$1.00 |
Free |
$1.00 |
| In-Branch Transfer |
$2.00 |
$2.00 |
Free |
$2.00 |
| Cheque Withdrawal |
$0.75 |
$5.00 |
Free |
$0.75 |
| Certified Cheque |
$10.00 |
$10.00 |
$5.00 |
$10.00 |
| Cheque - Stop Payment |
$15.00 |
$15.00 |
$15.00 |
$15.00 |
| Official Cheque |
$6.00 |
$6.00 |
$6.00 |
NA |
| Returned NSF Items |
$35.00 |
$35.00 |
$35.00 |
$35.00 |
| Single Cheque Search / Image |
$10.00 |
$10.00 |
$10.00 |
$10.00 |
| In-Branch Statement (without cheque images) |
$2.00 |
$2.00 |
$2.00 |
$2.00 |
| Monthly Statement (including cheque images) |
$4.00 |
$4.00 |
$4.00 |
$4.00 |
| Money Order - Canadian $ |
$6.00 |
$6.00 |
$6.00 |
$6.00 |
| Money Order - US $ |
$6.00 |
$6.00 |
$6.00 |
$6.00 |
| Clickable Cheques |
Free |
Free |
Free |
Free |
| MemberDirect® Online e-Statements |
Free |
Free |
Free |
Free |
| SMS Mobile Banking and Mobile Website |
Free |
Free |
Free |
Free |
| Wire Transfer - Canadian Funds |
$25.00 |
$25.00 |
$25.00 |
$25.00 |
| Wire Transfer - US Funds |
$45.00 |
$45.00 |
$45.00 |
$45.00 |
|
Safety Deposit Box |
|
|||
| US Chequing Account |
$2.00 per month | |||
| * Cost per transaction, unless otherwise noted. | ||||
|
Sydney Credit Union's Money Saving Account Options |
||||
| YOUR Electronic Unlimited |
|
| Monthly fee | $12.00 per month ($6.00 Seniors Rate 59+) |
| In-Branch Deposits |
Unlimited |
| In-Branch Withdrawals |
$0.75/transaction |
| Pre-authorized debits |
Unlimited |
| Direct Deposits |
Unlimited |
| Interac® Direct Payment |
Unlimited |
| Interac® Online Payment |
Unlimited |
| MemberDirect® online banking |
Unlimited |
| TeleService® telephone banking |
Unlimited |
| Mobile banking |
Unlimited |
| Credit Union network ATMs |
Surcharge-free access to over 2,400 AccuLink® and THE EXCHANGE® ATMs throughout Canada |
| Interac® ATMs | 2 transactions included** |
| Account statements | Free e-statements |
| GLOBAL PAYMENTTM MasterCard® | Available OAC |
| Overdraft protection | Available OAC |
 |
- Unlimited electronic transactions for one monthly fee.
- Per item fee for non-electronic transactions including: in-branch, cheques and inter-Credit Union transactions.
- Pays interest at tiered rates as per the YOUR Chequing account
| YOUR Chequing 15 | |
| Monthly fee | $4.00 per month (No Fee for Seniors 59+) |
| Transactions |
15 included per month (per item fee on excess)
|
| MemberDirect® online access | Unlimited |
| Direct Deposits | Unlimited |
| Account statements | Free e-statements |
| GLOBAL PAYMENTTM MasterCard® | Available OAC |
| Overdraft protection | Available OAC |
|
- 15 transactions included for one monthly fee.
- Additional transactions $1.00 each.
- Pays interest at tiered rates as per the YOUR Chequing account
| YOUR Chequing 40 | |
| Monthly fee | $12.00 per month ($6.00 Seniors Rate 59+) |
| Transactions |
40 included per month (per item fee on excess)
|
| MemberDirect® online access | Unlimited |
| Direct Deposits | Unlimited |
| Interac® ATMs | 2 transactions included** |
| Account statements | Free e-statements |
| Safety Deposit Box | 25% discount |
| GLOBAL PAYMENTTM MasterCard® | Available OAC |
| Overdraft protection | Available OAC |
|
- 40 transactions included for one monthly fee.
- Additional transactions $1.00 each.
- Pays interest at tiered rates as per the YOUR Chequing account
| YOUR Chequing Unlimited | |
| Monthly fee | $25.00 per month ($12.50 Seniors Rate 59+) |
| Transactions |
Unlimited
|
| MemberDirect® online access | Unlimited |
| Direct Deposits | Unlimited |
| Interac® ATMs | 5 transactions included** |
| PLUS®* ATMs | 2 transactions included** |
| Account statements | Free e-statements |
| Stop Payments | Unlimited |
| Money Orders & Certified Cheques | Unlimited |
| GLOBAL PAYMENTTM MasterCard® | Available OAC |
| Overdraft protection | Available OAC |
|
- Unlimited transactions included for one monthly fee.
- Pays interest at tiered rates as per the YOUR Chequing account
- No annual fee on Choice Rewards for MasterCard® Credit Card
- 50% discount on MasterCard® Gold Card
- 50% discount on Safety Deposit Boxes
** Does not include surcharges from other institutions.
