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.

* Non-member fees are x2 of our regular 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 March 1, 2024

  • Monthly Fee: $4
  • 12 transactions included, each additional transaction is $1.50
  • 4 bill payments included, each additional bill payment is $5
  • Online banking and e-statements included
  • Includes e-Transfers but count as a transaction (after limit $1.50 per e-Transfer)
  • Monthly paper statement $3

  • Monthly Fee: $12
  • Unlimited electronic transactions
  • 4 cheque or staff assisted withdrawals included, each additional transaction is $1.50
  • Staff assisted bill payment $5
  • Online banking and e-statements included
  • 30 e-Transfers included (after transaction limit reached $1.50 per e-Transfer)
  • Monthly paper statement $3
  • Monthly Fee: $27
  • Unlimited transactions
  • Unlimited bill payments
  • Online banking and e-statements included
  • 30 e-Transfers included (after transaction limit reached $1.50 per e-Transfer)
  • 50% discount on Manager Trust Cheques, Certified Cheques and Money Orders
  • Monthly paper statements included
  • Monthly Fee: $4
  • 15 transactions included, each additional transaction is $1.50
  • Unlimited bill payments but count as a transaction (after limit $1.50 per transaction)
  • Staff assisted inquiries included
  • Online banking and e-statements included
  • Includes e-Transfers but count as a transaction (after limit $1.50 per e-Transfer)
  • Monthly paper statement $3
  • Monthly Fee: $6
  • Unlimited electronic transactions
  • 4 cheque or staff assisted withdrawals included, each additional transaction is $1.50
  • Staff assisted inquiries included
  • Staff assisted bill payment $5
  • Online banking is mandatory
  • e-statements included
  • 30 e-Transfers included (after transaction limit reached $1.50 per e-Transfer)
  • Monthly paper statement $3
  • Monthly Fee: $14
  • Unlimited transactions
  • Unlimited bill payments
  • Staff assisted inquiries included 
  • Online banking and e-statements included
  • 30 e-Transfers included (after transaction limit reached $1.50 per e-Transfer)
  • 50% fee discount on Manager Trust Cheques, Certified Cheques and Money Orders
  • Monthly paper statement included
  • Monthly Fee: $0
  • Unlimited electronic transactions
  • Online banking and e-statements included
  • 30 e-Transfers included (after transaction limit reached $1.50 per e-Transfer)
  • Monthly paper statement included
  • Monthly Fee: $5
  • Unlimited transactions
  • Unlimited bill payments
  • Online banking and e-statements included
  • 30 e-Transfers included (after transaction limit reached $1.50 per e-Transfer)
  • Monthly paper statement $3

  • Monthly Fee: $10
  • 10 transactions included, each additional transaction is $1.50
  • Staff assisted bill payment $5
  • Online banking and e-statements included
  • Includes e-Transfers but count as a transaction (after limit $1.50 per e-Transfer)
  • Monthly paper statement $3
  • Monthly Fee: $40
  • 60 transactions included, each additional transaction is $1.50
  • Staff assisted bill payment $5
  • Online banking and e-statements included
  • 30 e-Transfers included (after transaction limit reached $1.50 per e-Transfer)
  • Monthly paper statement $3
  • Monthly Fee: $75
  • 150 transactions included, each additional transaction is $1.50
  • Online banking and e-statements included
  • 30 e-Transfers included (after transaction limit reached $1.50 per e-Transfer)
  • Monthly paper statements included
  • Monthly Fee: $5
  • 10 transactions included, each additional transaction is $1.50
  • Staff assisted bill payment $5
  • Online banking and e-statements included
  • Includes e-Transfers but count as a transaction (after limit $1.50 per e-Transfer)
  • Monthly paper statement $3
  • Includes Free Agri-Invest Account
  • Monthly Fee: $30
  • 40 transactions included, each additional transaction is $1.50
  • Staff assisted bill payment $5
  • Online banking and e-statements included
  • Includes e-Transfers but count as a transaction (after limit $1.50 per e-Transfer)
  • Monthly paper statement $3
  • Includes Free Agri-Invest Account
  • Monthly fee: $75
  • Unlimited transactions included
  • Online banking and e-statements included
  • 50 e-Transfers included (after transaction limit reached $1.50 per e-Transfer)
  • Includes Free Annual Line of Credit Review
  • Includes Free Agri-Invest Account
  • Monthly Fee: $2
  • Unlimited transactions included
  • Online banking and e-statements included
  • 30 e-Transfers included (after transaction limit reached $1.50 per e-Transfer)
  • Monthly paper statement $3
  • Monthly Fee: $0
  • 2 transactions included, each additional transaction is $5
  • Unlimited online transfers
  • e-Transfers $1.50 per transfer
  • Chequing account required
  • Monthly Fee: $2
  • Each transaction is $1.50 (Fees in US funds)
  • Online banking and e-statements included
  • Monthly paper statement $3

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

  • $55                                                                              

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

  • $40

Dormant Account Close Out

  • $10

Dormant/Inactive Status Change

  • $20

 Overdraft Coverage - Manual Transfer

  • $10

 Overdraft Coverage - Automatic Transfer (Draw Account)

  • $10

Staff Assisted Research and Find: Item, Cheque, Statement 

  • $40/hr, $40 min + $5 per printed item

Transaction History/Statement Print (easily accessible)

  • $5

Staff Assisted - Account Inquiry in DNA (Included in Senior Accts). ie: Balance of account, locate deposit, clearing of cheques

  • $2

Staff Assisted Bill Payments, Fund transfers (from any Account, Term or Quick Loan)

  • $5

ATM - Any Sask Credit Union

  • FREE

ATM -  CIRRUS Fee 

  •  $4

Replacement Debit Card (Additional Starter Card)

  • $20

Replacement Debit Card (Additional System Issued Card)

  • $25

Interac Fee 

  • $4

Cheque Orders

Chargeback to Account

  • $10

Manual Return/Recall (Cheque and AFT)

  • $15

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

  • $50

Counter Cheques by Request

  • 5 for $10

Guaranteed Funds (Certified Cheque, Managers Trust Cheque)

  • $15 

Money Orders (Convera)

  • $25

NSF (Non-sufficient Funds)- Return Item 

  • $45

Non-Member Bill Payment & Cheque Cashing (Non-member; No Account)

  • $20

Estate Facilitation

  • $150 minimum

If Estate is not settled/paid out within 6 months

  • $5 /mth

Full Transfer Out

  • $100 + GST

Partial Transfer Out

  • $50 + GST

RRSP- Partial Withdrawals

  • $25 + GST

RIF - Unscheduled Payment

  • $25

Over contribution Refunds

  • $25

TFSA Distributions 2 Free Per Year (Starts Jan 1 of each year)

  • $10 subsequent

Flex Term 2 Free Per Year (Starts Jan 1 of each year)

  • $5 subsequent

Drilling and Repair of Door 

  • $200 minimum or cost

1.5" x 5" Rental Per Year

  • $35 +GST

2.5" x 5" Rental Per Year

  • $40 +GST

 5" x 5" Rental Per Year

  • $60 +GST

2.5" x 10" Rental Per Year

  • $60 +GST

Replace lost key(s)

  • $20 +GST

Staff Assisted Stop Payment 

  • $20

Return Stop Payment Per Item

  • $10

Wire To/From Canadian Credit Union

  • $20

Wire To/From Other Canadian FI

  • $35

Wire To/From Foreign Bank

  • $60

Wire in US Funds

  • Fees are charged in USD

Account Balance; Bank Confirmation/Verification; Interest Earned
  • $25

CAFT Set Up and Training

  • $100

PAD Set Up

  • $25

PAD Change

  • $10

Duplicate Copy (T4/T5/RSP Contribution)

  • $20

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

  • $35

e-Transfers

  • $1.50

Fax: (Receive or Send) or Photocopy

  • $2 per page

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

  • $15

Special Order Foreign Currency (not including USD)

  • $10

​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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