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Chequing Account Service & Transaction Fees
| Chequing Package | Fee | # of Free Transactions | Per Item Cost of Chequing Transactions |
| Basic Chequing Account (Seniors Program Discount) |
$3.95 ($0) |
12 | $1.25 |
| Masterplan (Seniors Program Discount) |
$10.95 ($7.65) |
30 | $1.25 |
| Masterplan Plus (Seniors Program Discount) |
$29.95 ($20.95) |
Unlimited* | $0 |
| My e-Account Unlimited (Seniors Program Discount) |
$17.95 ($12.55) |
Unlimited* | $1.25 |
| US Dollar Account | $2 | Pay as you go | $1.25 |
| Prime | $0 | Unlimited* | $1.25 |
| No-Fee Student Super Saver | $0 | Unlimited* | $0 |
*Based on transactions included in chequing package.
Seniors Program is for members aged 59 and over.
| Per Cost of Transaction (if applicable in package) | Fee |
| In-branch Withdrawal/Transfer | $1.25 |
| Cheque Withdrawal/Pre-Authorized Payment | $1.25 |
| Cash Withdrawal | $1.25 |
| Transfer Debit | $1.25 |
| ICU Withdrawal | $1.25 |
| ATM Withdrawal & Debit (CU/Interac/Plus) | $1.25 |
| Phone (IVR) Debit & Bill Payment | $1.25 |
| Online Debit Transfer | $1.25 |
| Online Bill Payment | $1.25 |
| Debit Card Transaction (CDA/Cross Border/Online) | $1.25 |
| Interac e-Transfer | $1.25 |
| Other Chequing Fees & Transactions (not included) | Fee |
| Over-the-Counter Bill Payments (included in Prime) | $5 |
| Telepay Withdrawals | $5 |
| Cheque Orders (included in Prime) | Charged directly by supplier |
| Interac Withdrawals (ATM) | $2 |
| Plus Withdrawals (Foreign ATM) | $3.50 |
| Overdrafts | $10 |
| Authorized Chequing Overdraft Protection | 18% |
| Unauthorized Overdraft Interest Rate | 24% |
| Inactive Accounts (5 months +) | $5/month |
| Inactive Account (24 months +) | $20/month |
| Transfers from Daily Interest Savings Account to Advantage Savings Account | $2.25 |
| Transfers from Online Savings | $7.25 |
| Interac e-Transfer from a Monthly Savings Plan (1 annual no-fee transfer is included) | $5.50 |
Savings Account Service & Transaction Fees
| Savings Package | # of Free Transactions | Per Item Cost of Chequing Transactions |
| Plan 24 | 3 | $2 |
| Advantage | 3 | $2 |
| Online Savings | Unlimited* | $5.50 |
| Monthly Savings Plan | 1 | $5.50 |
| Fat Cat | 10 | $1.25 |
| Non Interest/Share | 3 | $2 |
*Based on what transactions are included in chequing package.
| Savings Account Transactions (if applicable in package) |
| Fees based on Savings Account (see above) |
| MemberDirect Debit Transfer |
| MemberDirect Bill Payment |
| ATM Withdrawals and Debits (Credit Union/Interac/Plus) |
| In-Branch Withdrawals/Transfers |
| Pre-Authorized Payments |
| ICU Withdrawals |
| Phone (IVR) Debit & Bill Payment |
| Debit Card Transaction (CDA/Cross Border/Online) |
| Cash Withdrawals |
| Interac e-Transfer |
| Other Saving Fees & Transactions (not included in package) | Fee |
| Over-the-Counter Deposits | $5.50 |
| Interac Withdrawals (ATM) | $2 |
| Plus Withdrawals (Foreign ATM) | $3.50 |
| Overdrafts | $10 |
| Authorized Chequing Overdraft Protection | 18% |
| Unauthorized Overdraft Rate | 24% |
| Over-the-Counter Bill Payment | $5 |
| Telepay Withdrawal | $5 |
Registered Product Fees
| Service | Fee |
| Transfer Fees | $75 |
| Early Redemption | $85 |
| Estate Fees | $125 |
| More than 2 Withdrawals from RRSP | $25 |
| T5 Amendments | $5.50 |
| Duplicate Tax Reciept (RRSP, T4 RSP, T4 RIF & T5) | $5.50 |
Safety Deposit Boxes
| Size | Fee |
| 1.5 x 5 | $45 + tax |
| 2.5 x 5 | $60 + tax |
| 3.25 x 5 | $60 + tax |
| 5 x 5 | $90 + tax |
| 1.5 x 10.38 | $75 + tax |
| 2.5 x 10.38 | $90 + tax |
| 5 x 10.38 | $175 + tax |
| 10 x 10.38 | $275 + tax |
| Replacement Key | $115 + tax |
Varied discounts on Safety Deposit Boxes are offered with chequing packages.
Fees and pricing is subject to change without notice and subject to credit approval.
For more information about NLCU's pricing and services charges, please call 1-800-563-3300.
*Certain conditions apply.
