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Personal Accounts

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Everyday Accounts
Savings Accounts
USD Account

Everyday Accounts

Account Packages	Fee	Overview
All In. Plus. (Formerly Ultimate)	$29.95	• Unlimited debit transactions* • Unlimited e-transfers • 10 Non-CU ATM fee reimbursements • Maintain $5,500 minimum monthly balance (refund $29.95) • CDN/US bank drafts, & in-branch bill payments ($0.00) • MasterCard & safety deposit box fee rebates • $4.00 Paper statements fee – Log into online banking to opt-out of paper statements**
All In. (Formerly Leverage)	$15.95	• Unlimited debit transactions* • Unlimited e-transfers • Maintain $4,000 minimum monthly balance (refund $15.95) • In-branch bill payments ($0.00) • First year safety deposit box fee rebates • $4.00 Paper statements fee – Log into online banking to opt-out of paper statements**
For You. Plus. (Formerly Advantage)	$9.95	• 30 debit transactions per month* • Debit transactions over limit ($1.25) • 10 free e-transfers per month • Maintain $3,000 minimum monthly balance (refund $9.95) • First year safety deposit box fee rebates • $4.00 Paper statements fee – Log into online banking to opt-out of paper statements**
For You. (Formerly Value Intro)	$0.00	• 5 debit transactions per month* • Debit transactions over limit ($1.25) • $4.00 Paper statements fee – Log into online banking to opt-out of paper statements**
Golden Everyday.	$0.00	• An account for those aged 60+ • Unlimited debit transactions* • Unlimited e-transfers • CDN/US bank drafts, & in-branch bill payments ($0.00) • No Paper Statement Fee
YA. Plus. (Formerly Kudos)	$0.00	• An account for Young Adults aged18-25 • 45 debit transactions per month* • Unlimited e-transfers • 6 Non-CU ATM fee reimbursements • Debit transactions over limit ($1.25) • $4.00 Paper statements fee – Log into online banking to opt-out of paper statements**

*Usage fee at non-CU ATM ($2.00)
**Changes effective Feb 1, 2025.

Savings Accounts

Account Packages	Fee	Overview
YA. (Formerly Teen)	$0.00	• 30 debit transactions per month* • Debit transactions over limit ($1.25) • 2 free e-transfers per month • Honour Roll Program funds accumulate until graduation of high school program places funds in teen savings account members may withdraw honour roll accumulated funds at any time • US ATM fee ($3.00) • International ATM fee ($5.00) • No paper statement fee
Everyday Savings. (Formerly Plan 24)	$0.00	• 4 debit transactions per month* • Debit transactions over limit ($1.25) • Qualifies for Honour Roll Program • US ATM fee ($3.00) • International ATM fee ($5.00) • $4.00 Paper statements fee – Log into online banking to opt-out of paper statements**
Golden Savings. (Formerly Plan 24 Golden)	$0.00	• 4 debit transactions per month* • Debit transactions over limit ($1.25) • In-branch bill payments ($0.00) • US ATM fee ($3.00) • International ATM fee ($5.00) • No paper statement fee
Premier Savings.	$0.00	• 1 debit transaction per month* • Debit transactions over limit ($1.25) • US ATM fee ($3.00) • International ATM fee ($5.00) • $4.00 Paper statements fee – Log into online banking to opt-out of paper statements**

*Usage fee at non-CU ATM ($2.00)
**Changes effective Feb 1, 2025

USD Account

Account Package	Fee	Overview
US Dollar	$0.00	• Debit transactions ($1.25) • $4.00 Paper statements fee – Log into online banking to opt-out of paper statements Interest Rate (based on minimum monthly balance): <$500 – 0.00% $500 – $10,000 – 0.05% $10,001+** – 0.05%