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
- Small
- Medium
- Large
- X-Large
- XX-Large


$40.00/year
$50.00/year
$100.00/year
$150.00/year
$200.00/year

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
  Apply Online
  • 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)

  • Interac® Direct Payment
  • Interac® Online Payment
  • Credit union affiliated ATM networks (Surcharge-free access to over 2,400 AccuLink® and THE EXCHANGE® ATMs throughout Canada)
  • MemberDirect® online bill payments
  • TeleService® telephone banking
  • In-branch withdrawals and transfers
  • Cheque withdrawals
  • Pre-authorized debits
  • Inter-Credit Union Services (ICU)
  • GLOBAL PAYMENTTM MasterCard®
MemberDirect® online access Unlimited
Direct Deposits Unlimited
Account statements Free e-statements
GLOBAL PAYMENTTM MasterCard® Available OAC
Overdraft protection Available OAC
  Apply Online
  • 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)

  • Interac® Direct Payment
  • Interac® Online Payment
  • Credit union affiliated ATM networks (Surcharge-free access to over 2,400 AccuLink® and THE EXCHANGE® ATMs throughout Canada)
  • MemberDirect® online bill payments
  • TeleService® telephone banking
  • In-branch withdrawals and transfers
  • Cheque withdrawals
  • Pre-authorized debits
  • Inter-Credit Union Services (ICU)
  • GLOBAL PAYMENTTM MasterCard®
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
  Apply Online
  • 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

  • Interac® Direct Payment
  • Interac® Online Payment
  • Credit union affiliated ATM networks (Surcharge-free access to over 2,400 AccuLink® and THE EXCHANGE® ATMs throughout Canada)
  • MemberDirect® online bill payments
  • TeleService® telephone banking
  • In-branch withdrawals and transfers
  • Cheque withdrawals
  • Pre-authorized debits
  • Inter-Credit Union Services (ICU)
  • GLOBAL PAYMENTTM MasterCard®
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
  Apply Online
  • 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.

 

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