Service Fees
Belgian-Alliance Credit Union offers a wide variety of business products and services at competitive prices.
BUSINESS ACCOUNTS |
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Account Type | Regular Business Chequing | Bronze Business Chequing | Silver Business Chequing | Platinum Business Chequing | Non-Profit Business Chequing | US Chequing | Regular Business Savings | High Interest Business Savings |
Account Designed for: | 1 Free Transaction per $500 minimum monthly balance included | Low volume account for small businesses who anticipate having up to 25 transactions per month | Mid volume account for businesses who anticipate having up to 60 transactions per month | High volume account for businesses who anticipate having up to 100 transactions per month | An account designed specifically for non-profit organizations | For businesses with the need to maintain US funds | A low fee savings account that pays interest on the daily closing balance | A high interest savings account that pays interest on the minimum monthly balance |
Monthly Fee | $5.00/Month | $17.50/Month | $37.50/Month | $60.00/Month | No Monthly Fee | No Monthly Fee | No Monthly Fee | No Monthly Fee |
Cheques or Pre-authorized Debits | $0.80 | Up to 25 combined transactions each month | Up to 60 combined transactions each month | Up to 100 combined transactions each month | Up to 20 combined transactions each month | $1.00 | $0.80 | Includes 1 free transaction per month |
Debit Cards Purchases (POS) | $0.80 | N/A | $0.80 | |||||
ATM Withdrawal (Credit Union ATM) | $0.80 | N/A | $0.80 | |||||
Bill Payments (Online Banking) | $0.80 | N/A | $0.80 | |||||
Cash Withdrawal (in Branch) | $0.80 | $1.00 | $0.80 | |||||
Transfers (In Branch, Online Banking, or ATM) | $0.80 | $1.00 | $0.80 | |||||
Deposits (in Branch) | $0.80 | Free | $0.80 | |||||
Deposits (Electronic) | Free | Free | Free | Free | Free | Free | Free | Free |
e-Transfer | $1.50 | 2 included (sending) | 4 included (sending) | 6 included (sending) | $1.50 | N/A | $1.50 | N/A |
Charges for Transactions in Excess of Limit | $0.80 | $0.80 | $0.80 | $0.80 | $0.65 | $1.00 | $0.80 | $1.25 |
Pay-as-you-go Service Fees | ||||||||
Transfers (System generated) | $3.00 | $3.00 | $3.00 | $3.00 | $3.00 | $3.00 | $3.00 | $3.00 |
Bill Payments (Over the counter) | $1.50 | $1.50 | $1.50 | $1.50 | $1.50 | $1.50 | $1.50 | $1.50 |
ATM Withdrawals (Non-Credit Union ATM) | $2.50 | $2.50 | $2.50 | $2.50 | $2.50 | N/A | N/A | N/A |
POS Purchases (Cirrus Network US) | $1.00 | $1.00 | $1.00 | $1.00 | $1.00 | N/A | N/A | N/A |
ATM Withdrawals (Cirrus Network US/International) | $5.00 | $5.00 | $5.00 | $5.00 | $5.00 | N/A | N/A | N/A |
Statements - Produced Monthly | Included in Monthly Fee | Included in Monthly Fee | Included in Monthly Fee | Included in Monthly Fee | $2.00 | Included w/ Canadian Chequing* | Included w/ Canadian Chequing* | Included w/ Canadian Chequing* |
Cheque Order | Per order charge | Per order charge | Per order charge | Per order charge | Per order charge | Per order charge | Per order charge | Per order charge |
Notes: | *Monthly fee does not apply if linked to a Canadian Chequing Account. If a Canadian Chequing account is not present, a monthly fee of $2.00 will apply. |
Additional Service Fees | |
Automatic Teller Machines (ATMs) | |
Belgian-Alliance ATM | |
Deposit | $0.80 |
Withdrawal | $0.80 |
Manitoba Credit Union Network | |
Withdrawal | $0.80 |
ATM Withdrawal Interac Network (Canada) | $2.50 |
ATM Withdrawal Cirrus Network (US/International) | $5.00 |
Bank Confirmations | |
Without Loans | $30.00 |
With Loans (per hour) | $30.00 |
Interest Paid Letter | $25.00 |
Bill Payments | |
Belgian-Alliance Online | $0.80 |
In Branch (in Person) | $1.50 |
In Branch (by Phone) | $1.50 |
Trace (Bill Payment) | $15.00 |
Recall (Bill Payment) | $25.00 |
Utility Bill Payment for Non-Members | $3.00 |
CAFT | |
Pre-Authorized Credits | Free |
Pre-Authorized Debits | Varies |
Charge Backs | |
Canadian Funds | $10.00 |
US Funds (in US dollars) | $10.00 |
Cheques | |
Orders | Varies |
Certification (Members) | $10.00 |
Certification (Non-Members) | $25.00 |
Cheque Clearing | $0.80 |
Non Sufficient Funds (NSF) | $45.00 |
Non MICR encoded cheque | $10.00 |
US Cheque Drawn on Canadian Account | $10.00 |
Collections | |
Cheques Sent On | $20.00 |
Coin Handling (per $100) *No Charge for youth |
$2.00 |
Debits & Withdrawals | |
From Chequing | $0.80 |
From Savings | $0.80 |
From High Interest Savings (one free per month) | $1.25 |
From US accounts | $1.00 |
Interac Direct Payments (POS) | $0.80 |
POS Purchases (Cirrus Network US) | $1.50 |
Deposits | $0.80 |
Dormant Accounts | |
Account Closings (within 6 months) | $30.00 |
Inactive Accounts (no activity for 6 months) | $3.00/mo |
Unclaimed Accounts | |
$36.00 and less | Account Balance |
> $36.00 | $36.00 |
After two years of inactivity, balance transferred to unclaimed | $36.00 |
e-Transfers | |
Sending e-Transfer | $1.50 |
Receiving e-Transfer | Free |
e-Transfer Request | $1.50 |
Foreign Exchange Services (excl. US Currency) | |
Ordering Foreign Currency | $10.00 |
Shipping Foreign Currency | $10.00 |
Loan Payments | |
Electronic Funds Transfer | Free |
Automatic Transfer From Belgian-Alliance | Free |
NSF Loan Payment | $45.00 |
CAFT Loan Payment Retries | $45.00 |
CAFT Admin Fee (set up or change) | $25.00 |
Late Notice Administration Fee | $5.00 |
MemberCards | |
Replace Lost Card | $10.00 |
Money Orders | |
Canadian Funds | $10.00 |
Tracing Money Orders | $25.00 |
Bank Drafts & Primary Orders | |
Canadian Funds | $10.00 |
US Funds | $10.00 |
Monthly Administration | |
Regular Chequing Accounts (includes Monthly Mailed Statements with Images) | $5.00 |
All US Accounts | Free |
All Savings Accounts | Free |
Mortgages | |
Appraisals | Cost |
Personal Property Registrations | Cost |
Title Search | $40.00 |
Property Tax Search | $40.00 |
Mortgage Renewals | |
Principle Residences | Free |
Revenue/Commercial | $100.00 |
Blend and Extend | $150.00 |
Re-Advancements | Cost + $150.00 |
Mortgage Discharges | |
Payouts | $207.00 |
Transfer to Another Financial Institution | $207.00 |
Re-Advancements | $150.00 |
Interim Financing | |
New Mortgage with Belgian-Alliance Credit Union | $100.00 |
Other | $250.00 |
Loan Application Fee | Varies |
Night Deposit | |
Bags (per 100) | $15.00 |
Overdrafts | |
System Generated Automatic Transfer (to cover overdraft) | $3.00 |
Surcharge (per item plus applicable interest) | $5.00 |
Overdrawn Courtesy Telephone Call | $5.00 |
Record Searches | |
All Searches (per hour)* | $40.00 |
*Minimum Charge of $20.00 | |
Safety Deposit Boxes (plus GST) | |
Small 1.5" x 5" | $35.00 |
Medium 2.5" x 5" | $45.00 |
Large 5" x 5" or 2.5" x 10" | $70.00 |
Extra Large 5" x 10" | $100.00 |
Key Replacement (lost key) | $25.00 |
Drilling of Safety Deposit Box | $150.00 |
Stop Payments | |
Complete Information | $10.00 |
Online | Free |
Transfers | |
Online | $0.80 |
Automatic Teller Machines | $0.80 |
Full Service Using BACU Staff | |
in Branch | $0.80 |
by Phone | $3.00 |
System Generated to cover Overdraft | $3.00 |
Balance of Non-Registered Account to Another Institution | $25.00 |
Investment Transfers Out (per item) | $100.00 |
US Accounts (fees in US Dollars) | |
US Cheque or Debit | $1.00 |
Withdrawals | $1.00 |
Monthly Maintenance Fee | Free |
Deposits | Free |
Wire Transfers* | |
Outgoing Wires | |
Canadian funds within Canada | $25.00 |
Canadian funds to US/International | $25.00 |
US funds within Canada and the US | $25.00 |
US funds International | $45.00 |
Incoming Wires | |
From Canada/US/International | $15.00 |
*Please note: other charges may apply | |
Other Fees | |
Duplicate Tax Receipts | $25.00 |
Garnishment Orders and Requirements to Pay | $50.00 |
Amendments to Signing Authorities (Business) | $50.00 |
Photocopying and Faxes (per page) | $1.00 |
T3 Filing by Concentra Financial | $150.00 |
Concentra Financial Payout Consultation | $150.00 |
Non-Member ATM Adjustment Fee | $10.00 |
If you have a question or inquiry regarding a service charge showing on your account, please contact your branch.
Rates and fees are subject to change without notice.