Membership Package Comparison
| Membership Level |  Regular Membership |
 Student Star Membership |
 Star Membership |
 Gold Membership |
 Platinum Membership |
| Buyer Protection Program (using Debit Card or Cheques) |
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| Internet Home Banking Access | |||||
| Telephone Teller Home Banking | |||||
| The EXCHANGE Network ABM Withdrawals | |||||
| The EXCHANGE Network ABM Deposits | |||||
| MSCU ABM Cash Withdrawal | |||||
| Interac ABM Withdrawals | $1.25 | 5 free per month | 5 free per month | ||
| Interac Direct Payments (POS) | $0.45 | 40 free per month | 50 free per month | ||
| Interac e-Transfer® (sending) | $1.25 | 10 free per month | 10 free per month | ||
| Interac e-Transfer® (receiving) | |||||
| PLUS or CIRRUS Withdrawals (in the U.S.) |
$3.00 | $3.00 | $3.00 | $3.00 | $3.00 |
| PLUS or CIRRUS Withdrawals (outside Canada & U.S.) |
$4.00 | $4.00 | $4.00 | $4.00 | $4.00 |
| Bill Payments (Home Banking or Telephone Teller) |
$0.35 | 10 free per month | |||
| Bill Payments (processed by an MSR) |
$3.00 | $2.00 | |||
| In Branch Cash Withdrawals | |||||
| Electronic Credits/Debits (EFTs) | |||||
| Cheques | $0.50 or free with $600 MMB | 10 free per month or all free with $600 MMB | |||
| Deposit Item Returned NSF | $5.00 | $5.00 | $5.00 | $5.00 | $5.00 |
| Credit Union Drafts | $6.00 | $5.00 | |||
| Cheque Certification | $5.00 | ||||
| Stop Payment | $12.00 | $10.00 | $10.00 | ||
| Remote Deposit Access (Mobile Banking App) | |||||
| Inactive*/Dormant Account | $125.00 per year** | N/A | $125.00 per year** | $125.00 per year** | N/A |
* = An account becomes inactive after one year of no use
** = With no activity after one year, no RRSP, TFSA or RRIF, and not a Trust account
MMB = Minimum Monthly Balance
ABM = Automated Banking Machine
"In business" = the sum of all deposits, loan and mortgage balances
Additional Services
| Stop Payment - no funds to cover cheque | $40.00 |
| Cheque Certification by Third Party | $15.00 |
| Collection Items | $50.00 |
| Transfer Account Balance to Another Financial Institution | $25.00 |
| Wire Transfer Outgoing | $30.00 |
| Registered Product transferred to another Financial Institution | $50.00 per transfer |
| RSP Withdrawals - Admin. Fee | $25.00 each |
| Lost MEMBER CARD® debit card replacement | 1 free per year then $10.00 |
| Retrieval of Past Statement | $5.00 each |
| Extensive Record Search | $25.00 per hour |
| EFT Returned NSF from another Financial Institution | $40.00 |
| Tax Receipt Replacement | $10.00 each |
| NSF Cheque or Electronic Debit | $40.00 |
| Phone Call to Notify of NSF Item | $15.00 |
| Manual Posting Fee | $10.00 |
| Unencoded Item | $10.00 |
| Unauthorized Overdraft, Max 24 Hrs | $10.00 |
| Unauthorized Overdraft, Exceeding 24 Hrs | $25.00 |
| Incoming Wire Fee | $10.00 |
Regular Membership
Being a member of the credit union entitles you to many free services. Rewards increase as your business increases.
Student Star Membership
Students up to the age of 25 are eligible for our STUDENT STAR PACKAGE with no monthly fees and no minimum balance requirements. Students enjoy easy access to their account with minimal dings.
Star Membership
When your total business (total of all of your deposits and loans) with the credit union reaches $15,000, or you have your full pay/$1000 or more of payroll deduction deposited to your account, or you’ve yet to reach the age of 30 you are automatically upgraded to Star Member status. If you don’t automatically qualify as a STAR you may purchase this package for $9.95 per month. View the table for the benefits associated with this membership package.
Gold Membership
With over $100,000 of total business (total of all of your deposits and loans) with the credit union, or if you’ve reached the golden age of 60, you gain Gold Membership status, entitling you to even greater rewards. View the table for the benefits associated with this membership package.
Platinum Membership
Members with $250,000 of total business (total of all of your deposits and loans) achieve even greater awards with Platinum Membership. Platinum members enjoy unlimited free services on most daily banking needs. NEW All Interac e-Transfers® are FREE to send!
Star Members can upgrade to our Platinum Inclusive Package for only $14.55 per month. Gold Members can upgrade to our Platinum Inclusive Package for only $10.55 per month.