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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
  • Monthly Fee: $0
  • All fees are in US$
  • Each transaction is $1.25
  • Monthly paper statement $3

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

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

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 (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
Account Balance; Bank Confirmation/Verification; Interest Earned
  • $25 /member
  • $50 /non-member

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

​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.
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