Swan Valley Credit Union - Service Charges

OVER THE COUNTER				FEES
Each Cheque				80₵
Cash Withdrawal				80₵

COUNTER SERVICES FEES
Cash Handling Charge (Applicable when monthly cash deposits exceed $5,000)				$2.50/$1,000
Paper Statement (Pick up or Mail)				$2.00
Over-the-counter Cheques (Fee waived if cheque order placed at that time)				75₵
Fax Charges ($2.00 minimum in North America, others at cost)				$1.00/page
Bill Payments (Bills officially accepted at counter)				$1.50
Money Orders (Canadian or U.S. Funds)				$7.50
Obtain Hold Funds				$5.00
Photocopies				50₵
Primary Order (Draft)				$7.50
Receive Wire Transfer Fee (in denomination of wire) - Effective November 1st, 2022				$15.00
Wire Transfers In or out of Canadian Institution (U.S. & International pricing available at branch)				$40.00
Verification of Funds (Phone another F.I.)				$3.00

OTHER SERVICES FEES
Telephone (Balance inquiry or transaction history)				$3.00
Telephone Transfer between your own accounts (Both accounts must be owned by the same member)				$5.00
Telephone Transfer between accounts (Each account owned by a different member)				$5.00
INTERAC® e-Transfer (sending) ®Interac e-Transfer are registered trademarks of Interac Corp. Used under licence.				$1.00
INTERAC® e-Transfer Request Money ®Interac e-Transfer are registered trademarks of Interac Corp. Used under licence.				$1.00
Stop Payment - Effective November 1st, 2022				$15.00
Cirrus ATM (Anywhere in the world)				$5.00
ATM Withdrawals (Non-CU INTERAC® in Canada ) ®Interac e-Transfer are registered trademarks of Interac Corp. Used under licence.				$2.00
Chargeback Handling Fee (For deposit of NSF or postdated items, etc.)				$5.00
Coverdraft Transfer - computer generated				$3.00
Coverdraft Transfer - manual				$4.00
Non-MICR encoded cheques (Manual processing)				$5.00
Non Sufficient Funds on deposit to cover cheques issued (each cheque dishonoured)				$45.00
Collection Fee (of NSF items accepted by a member)				$15.00
Overdraft (per item cleared, PLUS interest @24%)				$5.00
Overdraft Protection (Monthly fee for line of credit)				$3.00
Member Card / ATM Card Replacement (Non expired, at member's request)				$10.00
Rush ATM Card (At member's request)				$40.00
ATM Card - Flash Deactivation				$20.00
Special Notice Fee				$15.00
Companies Office (Annual Return Search)				$15.00
U.S. Funds (Clearing from Canadian chequing account)				$5.00
U.S. Cheque Clearing Fee				$1.25
U.S. Cheque Handling Fee (Deposit or cashing)				50₵
Non-Member Cheque Cashing (Excluding Government of Canada cheques)				$5.00

SELF-SERVE				FEES
Electronic Bill Payment (CU@Home, SVCU Telephone Banking)				60₵
ATM Withdrawal (Any Credit Union ATM in Canada)				60₵
INTERAC® Debit (Point of Sale) ®Interac e-Transfer are registered trademarks of Interac Corp. Used under licence.				60₵
Pre-Authorized Debit (Point of Sale)				60₵

AGRICULTURAL, COMMERCIAL & PERSONAL LENDING				FEES
Application to Extend, Refinance, Amend				$75.00 to
Mortgage or Loan, Add or Release Security				$100.00
Credit Bureau Search				$10.00 to $25.00
Personal Property Search (MB)				$20.00
Personal Property Registration (MB)				$30.00
Out-of-Province Personal Property Registration & Land Titles Office Fees				Per Provincial Fee
Discharge of Mortgage (Full or Partial)				$250.00
Preparation of Caveats involving 1 Title Search (Additional title searches at $30.00 each)				$300.00
Discharge of Caveat (Full or Partial)				$250.00
Mortgage Blend & Extend Fee				$100.00
LTO Search				$50.00
Mortgage Transfer Fee				$250.00
New Commercial & Agricultural Loan Application Fees - Tiered
$0-$100,000				$50.00
$100,001-$200,000				$100.00
$200,001-$300,000				$200.00
$300,001-$500,000				$300.00
$500,000+				See Lender
Commercial & Agricultural Annual Review Fees - Tiered
$0-$25,000				FREE
$25,001-$50,000				$50.00
$50,001-$150,000				$100.00
$150,001-$300,000				$200.00
$300,001-$500,000				$300.00
$500,000+				See Lender
Large Loan Annual Review (No line of credit)				$100 (Minimum)
Corporate/Partnership Re-Documentation Fee (Conversion to a corporation or partnership)				$500.00

TRANSFERS / ACCOUNT CLOSING				FEES
Transfer Out Fee For Registered Products				$75.00 per
(RRSP, RRIF, LIRA, TFSA, other registered products)				Transaction
Demand Account Closing				$10.00
(Only when primary order is issued))

CHEQUE CERTIFICATION FEES
For a member's own cheque - Effective November 1st, 2022				$13.00
For a member, of another member's cheque				$15.00
For a non-member				$20.00

SAFETY DEPOSIT BOXES FEES
Regular (1½" x 5" x 21") $3.00 for each full month				$36.00
Medium (2¼" x 5" x 21") $4.00 for each full month				$48.00
Large (5" x 5" x 21") $6.00 for each full month				$72.00
Extra Large (2½" x 10" x 21") $6.00 for each full month				$72.00
XX Large (5" x 10" x 21") $13.00 for each full month				$156.00
Lost Key				$30.00
Both Keys Lost (Box to be opened by two authorized credit union employees)				$125.00

MERCHANT SERVICES FEE
Night Deposit Bag (No annual fee)				Cost of Bag/Keys

EXCHANGING FOREIGN CURRENCY FEES
Exchange of Foreign Currency - Non-Member				$2.00

Members please note the following:

Members are responsible for fees or other documents not outlined above.
Other loan charges may apply - contact branch for details.
Duplicate account information, audit verification reports, credit report assistance or other non-standard services not identified elsewhere in this schedule - $50.00 per hour ($20.00 minimum), plus photocopy or microfiche/microfilm charges, postage and handling, and any other costs incurred.