Effective February 1st, 2022 some of our Account Packages &  Service Fees will be changing.  Click here to check out the new fees.
You deserve fair, low fees.

Account Package & Service Fees

We strive to be as transparent as possible with our account and service fees. Click any tab below for a full breakdown of account and service fees.

*A non-member is not only someone who does not bank with Crossroads Credit Union, but also a Crossroads account holder who does not have a $5 Membership Share.

*Fees below are effective January 1, 2019

Note:  Account Package and Service Fees will be changing effective February 1, 2022.  Click here to view the new fees.

  • Monthly Fee: $4
  • 8 transactions included, each additional transaction is $1
  • 2 bill payments included; each additional bill payment is $2
  • Monthly paper statement $2
  • Monthly Fee: $10
  • Unlimited electronic transactions
  • 4 paper transactions included, each additional transaction is $1
  • In branch bill payment $2
  • Monthly paper statement $2
  • Monthly Fee: $25
  • Unlimited transactions
  • Unlimited bill payments
  • 50% discount on MTA's, certified cheques or money orders
  • Monthly Fee: $4
  • 15 transactions included, each additional transaction is $1
  • Unlimited bill payments
  • Telephone inquiries included
  • Monthly paper statement $2
  • Monthly Fee: $6
  • Unlimited electronic transactions
  • 4 paper transactions included, each additional transaction is $5
  • Telephone inquiries included
  • In branch bill payment $2
  • Monthly paper statement $2
  • Monthly Fee: $12
  • Unlimited transactions
  • Unlimited bill payments
  • Telephone inquiries included 
  • 50% fee discount on MTA's, certified cheques and money orders
  • Monthly Fee: $0
  • Unlimited electronic transactions
  • Monthly Fee: $5
  • Unlimited transactions
  • Unlimited bill payments
  • Monthly paper statement $2

  • Monthly fee: $10
  • 10 transactions included, each additional transaction is $1 
  • In branch bill payment $2
  • Monthly paper statement $2
  • Monthly fee: $30
  • 40 transactions included, each additional transaction is $1
  • In branch bill payment $2
  • Monthly paper statement $2
  • Monthly fee: $60
  • 100 transactions included each additional transaction is $1 
  • Monthly fee: $5
  • 10 transactions included each additional transaction is $1
  • In branch bill payment $2
  • Monthly paper statement $2
  • Monthly fee: $20
  • 30 transactions included each additional transaction is $1
  • In branch bill payment $2
  • Monthly paper statement $2
  • Monthly fee: $60
  • Unlimited transactions included
  • Monthly Fee: $2
  • Unlimited transactions included
  • Monthly paper statement $2
  • 50% discount on MTA's, Money Orders and Certified Cheques
  • Monthly Fee: $0
  • 2 transactions included, each additional transaction is $5
  • Unlimited online transfers
  • Monthly paper statement $2
  • Monthly Fee: $0
  • All fees are in US$
  • Each transaction is $1
  • Unlimited bill payments
  • Monthly paper statement $2

Balance of Account to Another FI (Manager's Trust Cheque) 

  • $35 /member
  • $70 /non-member                                                                                       

Balance of Account to Another FI (Customer Automated Funds Transfer)

  • $25 /member
  • $50 /non-member

Dormant Account Close Out

  • $10 /member
  • $20 /non-member

Dormant/Inactive Status Change

  • $20 /member
  • $40 /non-Member

 Overdraft Coverage - Manual Transfer

  • $5 /member
  • $10 /non-member

Official Statements: Duplicate Printed in Branch

  • $4 /member
  • $8 /non-member

Telephone Account Inquiry (Excluding Senior Accts)

  • $2 /member
  • $4 /non-member

Telephone Bill Payments or Fund Transfers (Excluding Senior Accts)

  • $5 /member
  • $10 /non-Member

ATM - Any Sask Credit Union

  • FREE

ATM -  CIRRUS Fee 

  •  $3 /member & non-member

Replacement Debit Card (Additional Starter Card)

  • $10 /member
  • $20 /non-member

Replacement Debit Card (Additional System Issued Card)

  • $15 /member
  • $30 /non-member

Interac Fee 

  • $3 /member & non-member

Cheque Orders

Chargeback to Account

  • $10 /member
  • $20 /non-member

Cheques Drawn on Wrong Account (US/CDN or CDN/US)

  • $30 /member
  • $60 / non-member

Counter Cheques by Request

  • 3 for $5 /member
  • 3 for $10 /non-member

Guaranteed Funds (Certified Cheque, Money Order, Managers Trust Cheque)

  • $10 /member
  • $20 /non-member

NSF (Non-sufficient Funds)-  Return Item 

  • $45 /member & non-member

Non-Member Chq Cashing Fee (Non-member; Non-account)

  • $15

Estate Facilitation

  • $150 minimum

If Estate is not settled/paid out within 6 months

  • $2 /mth

Full Transfer Out

  • $100 + GST /member
  • $200 + GST /non-member

Partial Transfer Out

  • $50 + GST /member
  • $100 + GST /non-member

RRSP- Partial Withdrawals

  • $25 + GST /member
  • $50 + GST /non-member

RIF - Unscheduled Payment

  • $25 /member
  • $50 /non-member

Over contribution Refunds

  • $25 /member
  • $50 /non-member

TFSA Distributions 2 Free Per Year

  • $5 subsequent / member
  • $10 subsequent / non-member

Drilling and Repair of Door 

  • $150 minimum or cost /member
  • $300 minimum or cost /non-member

1.5" x 5" Rental Per Year

  • $35 +GST /member
  • $70 +GST /non-member

2.5" x 5" Rental Per Year

  • $40 +GST /member
  • $80 +GST /non-member

 5" x 5" Rental Per Year

  • $60 +GST /member
  • $120 +GST /non-member

2.5" x 10" Rental Per Year

  • $60 +GST /member
  • $120 + GST /non-member

Replace lost key(s)

  • $20 +GST /member
  • $40 + GST /non-member

Full Details Including Signature (per month)

  • $10 /member
  • $20 /non-member

Partial Details (per month)

  • $15 /member
  • $30 /non-member

Return Stop Payment Per Item

  • $5 /member
  • $10 /non-member

Wire To/From Canadian Credit Union

  • $10 /member
  • $20 /non-member 

Wire To/From Other Canadian FI

  • $20 /member
  • $40 /non-member

Wire To/From Foreign Bank

  • $50 /member
  • $100 /non-member

Wire in US Funds

  • Fees as charged in USD
Account Balance; Bank Confirmation/Verification; Interest Earned
  • $20 /member
  • $40 /non-member

CAFT Set Up

  • $60 /member
  • $120 /non-member

Duplicate Copy (T4/T5/RSP Contribution)

  • $15 /member
  • $30 /non-member

Error Adjustment (Bill Trace/CAFT/WU Void/Wire Trace or Void)

  • $30 /member
  • $60 /non-member

e-Transfers from Savings Account or over the limit account transactions

  • $1

Fax: (Receive or Send) or Photocopy

  • $2 per page /member
  • $4 per page /non-member

Rejected Transactions – Due to incorrect account # if not corrected after notification

  • $5 /member
  • $10 /non-member

Search - Item, Statement or Other Voucher < 90 Days

  • $30/hr, $15 minimum +$3 per item /member
  • $60/hr, $30 minimum +$6 per item / non-member

Search - Item, Statement or Other Voucher  > 90 Days

  • $40/hr, $20 min + cost / member
  • $80/hr, $40 min + cost / non-member

Special Order Foreign Currency (not including USD)

  • $5 /member
  • $10 /non-member

​Ready to open your account?

Get in touch with a member of our Crossroads TEAM to help you choose the right account for your specific needs.
This website uses cookies to improve your user experience. By continuing to browse the site you are agreeing to our use of cookies.