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 February 1, 2022
- Monthly Fee: $4
- 8 transactions included, each additional transaction is $1.25
- 2 bill payments included, each additional bill payment is $5
- Includes e-Transfers but count as a transaction (after limit $1.25 per e-Transfer)
- Monthly paper statement included
- Monthly Fee: $10
- Unlimited electronic transactions
- 4 cheque or staff assisted withdrawals included, each additional transaction is $1.25
- In branch bill payment $5
- 30 e-Transfers included (after transaction limit reached $1.25 per e-Transfer)
- Monthly paper statement $3
- Monthly Fee: $25
- Unlimited transactions
- Unlimited bill payments
- 30 e-Transfers included (after transaction limit reached $1.25 per e-Transfer)
- 50% discount on Manager Trust Cheques, Certified Cheques and Money Orders.
- Monthly Fee: $4
- 15 transactions included, each additional transaction is $1.25
- Unlimited bill payments but count as a transaction
- Staff assisted inquiries included
- Includes e-Transfers but count as a transaction (after limit $1.25 per e-Transfer)
- Monthly paper statement included
- Monthly Fee: $6
- Unlimited electronic transactions
- 4 cheque or staff assisted withdrawals included, each additional transaction is $1.25
- Staff assisted inquiries included
- Staff assisted bill payment $5
- 30 e-Transfers included (after transaction limit reached $1.25 per e-Transfer)
- Monthly paper statement $3
- Monthly Fee: $12
- Unlimited transactions
- Unlimited bill payments
- Staff assisted inquiries included
- 30 e-Transfers included (after transaction limit reached $1.25 per e-Transfer)
- 50% fee discount on Manager Trust Cheques, Certified Cheques and Money Orders
- Monthly Fee: $0
- Unlimited electronic transactions
- 30 e-Transfers included (after transaction limit reached $1.25 per e-Transfer)
- Monthly Fee: $5
- Unlimited transactions
- Unlimited bill payments
- Monthly paper statement $3
- 30 e-Transfers included (after transaction limit reached $1.25 per e-Transfer)
- Monthly Fee: $10
- 10 transactions included, each additional transaction is $1.25
- Staff assisted bill payment $5
- Monthly paper statement $3
- Includes e-Transfers but count as a transaction (after limit $1.25 per e-Transfer)
- Monthly Fee: $30
- 40 transactions included, each additional transaction is $1.25
- Staff assisted bill payment $5
- 30 e-Transfers included (after transaction limit reached $1.25 per e-Transfer)
- Monthly paper statement $3
- Monthly Fee: $60
- 100 transactions included, each additional transaction is $1.25
- 30 e-Transfers included (after transaction limit reached $1.25 per e-Transfer)
- Monthly Fee: $5
- 10 transactions included, each additional transaction is $1.25
- Staff assisted bill payment $5
- Includes e-Transfers but count as a transaction (after limit $1.25 per e-Transfer)
- Monthly paper statement $3
- Monthly Fee: $20
- 30 transactions included, each additional transaction is $1.25
- Staff assisted bill payment $5
- Includes e-Transfers but count as a transaction (after limit $1.25 per e-Transfer)
- Monthly paper statement $3
- Monthly fee: $60
- Unlimited transactions included
- 30 e-Transfers included (after transaction limit reached $1.25 per e-Transfer)
- Monthly Fee: $2
- Unlimited transactions included
- Monthly paper statement $3
- 30 e-Transfers included (after transaction limit reached $1.25 per e-Transfer)
- 50% discount on Manager Trust Cheques, Certified Cheques and Money Orders
- Monthly Fee: $0
- 2 transactions included, each additional transaction is $5
- Unlimited online transfers
- e-Transfers $1.25 per transfer
Balance of Account to Another FI (Manager's Trust Cheque)
- $40 /member
- $80 /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
- $7 /member
- $14 /non-member
Overdraft Coverage - Automatic Transfer (Draw Account)
- $0 /member
- $2 /non-member
Staff Assisted Research and Find: Item, Cheque, Statement
- $30/hr, $15 min + $3 per item or monthly statement /member
- $60/hr, $30 min + $6 per item or monthly statement /non-member
Transaction History/Statement Print (easily accessible)
- $5 /member
- $10 /non-member
Staff Assisted - Account Inquiry in DNA (Included in Senior Accts). ie: Balance of account, locate deposit, clearing of cheques
- $2 /member
- $4 /non-member
Staff Assisted Bill Payments
- $5 /member
- $10 /non-Member
Staff Assisted Funds Transfer (any account type, term or quick loan)
- $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
- $4 /non-member
Cheque Orders
- Contact Us for options and prices
Chargeback to Account
- $10 /member
- $20 /non-member
Manual Return for AFT
- $10 /member & non-member
Manual Return for Cheque
- $10 /member & non-member
Manual Recall for AFT
- $30 /member & non-member
Manual Recall for Cheque
- $30 /member & non-member
Cheques Drawn on Wrong Account (US/CDN or CDN/US)
- $30 /member
- $60 / non-member
Counter Cheques by Request
- 3 for $6 /member
- 3 for $12 /non-member
Guaranteed Funds (Certified Cheque, Managers Trust Cheque)
- $15 /member
- $30 /non-member
Money Orders (Western Union Drafts)
- $25 /member
- $50 /non-member
NSF (Non-sufficient Funds)- Return Item
- $45 /member & non-member
Non-Member Bill Payment (Non-member; No Account)
- $20
Non-Member Chq Cashing Fee (Non-member; No Account)
- $20
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 (Starts Jan 1 of each year)
- $10 subsequent /member
- $20 subsequent /non-member
Flex Term 2 Free Per Year (Starts Jan 1 of each 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
Staff Assisted Stop Payment (set up 6 months max) Full Details Per Item
- $20 /member
- $40 /non-member
Staff Assisted Stop Payment (set up for 6 months max) Partial Details Per Item
- $30 /member
- $60 /non-member
Return Stop Payment Per Item
- $7 /member
- $14 /non-member
Wire To/From Canadian Credit Union
- $15 /member
- $30 /non-member
Wire To/From Other Canadian FI
- $30 /member
- $60 /non-member
Wire To/From Foreign Bank
- $60 /member
- $120 /non-member
Wire in US Funds
- Fees are charged in USD
International Transfers (online)
- $2.50
CAFT Set Up and Training
- $75 /member
- $150 /non-member
Duplicate Copy (T4/T5/RSP Contribution)
- $20 /member
- $40 /non-member
Error Adjustment (Bill Trace/CAFT/WU Void/Wire Trace or Void)
- $35 /member
- $70 /non-member
e-Transfers
- $1.25
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
- $10 /member
- $20 /non-member
Special Order Foreign Currency (not including USD)
- $5 /member
- $10 /non-member