NEW SERVICE FEE UPDATE
Date extended to January 1, 2026
- Go Paperless Today!
You deserve fair, low fees.
Starting January 1, 2026, RCU will be introducing updates to our service fees. This includes a new fee for paper statements for all members under 65 years old.
Digital e-statements are free, secure, and convenient.
Contact our main branch before January 1st, 2026 and we will help you make the switch.
A complete list of changes will be posted on our website and available in-branch.
Service Fees
We strive to be as transparent as possible with any account and service fees. See below for a full breakdown of account and service fees for all personal and business accounts.
*Fees effective July 1st., 2022
Charges by Membership
|
MEMBERSHIPS |
REGULAR MEMBERSHIP |
YOUTH MEMBERSHIP |
SENIOR MEMBERSHIP |
|
Point-of-Sale (POS) |
10 free per month then $0.35 per transaction |
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● |
|
The EXCHANGE Network ATM Withdrawals |
● |
● |
● |
|
The EXCHANGE Network ATM Deposits |
● |
● |
● |
|
CDN Interac ATM withdrawals |
$1 |
● |
● |
|
U.S ATM withdrawals not on EXCHANGE/ACCEL* |
$3 |
$3 |
$3 |
|
International ATM withdrawals* |
$5 |
$5 |
$5 |
|
Lost Debit Card Replacement |
$5 |
$5 |
● |
|
Interac e-Transfer (sending) |
10 free per month then $1.50 per transaction |
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● |
|
Cheques printed at branch (book of 20) |
$5 |
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|
*Other financial institutions may charge a convience fee |
Additional Charges
| FEE | |
| Cheque Image | $1/cheque |
| Cost to recover documents or records | $35 per hour min. |
| Duplicate Statement | $3 |
| Duplicate T5 | $10 |
| Inactive account years 2, 3, 4 | $20/year |
| Dormant account years 5, 6, 7, 8, 9 | $30/year |
| Document retrieval (offsite storage) | At cost |
| Estate Fees | At cost |
CLEARING & CHEQUES |
FEE |
| Bank Draft | $5 (CDN/USD) |
| Money Order | $5 |
| Certified Cheque--non member | $20 |
| Stop Payment | $10 |
| Stop Payment--Incomplete Details | $20 |
| Return Item | $15 |
| NSF Cheque/AFT | $45 |
| Transfer to cover cheque/AFT | $2 |
| One time AFT | $25 |
WIRE TRANSFERS |
FEE |
| Outgoing CAD within Canada | $25 |
| Outgoing CAD outside of Canada | $35 |
| Outgoing USD within Canada & USA | $25 USD |
| Outgoing USD outside of Canada & USA | $35 USD |
| Outgoing International currency | $35 |
| Incoming CAD processing fee | FREE |
| Incoming USD processing fee | $15 USD |
| Amendments to any outgoing wire transfer | $30 |
| Non-MTS incoming | At Cost |
REGISTERED PLANS |
FEE |
| RRSP, RRIF, TFSA, LRSP Transfer Out Fee | $100 |
| Copy of receipt previously issued | $10 |
SAFETY DEPOSIT BOX |
FEE |
| Small Box (1.5 X 5) | $48 |
| Medium Box (2.5 X 5 | $60 |
| Large Box (5 X 5) | $84 |
| Replace key | $75 |
| Drill box | $300 min |
LOAN DEPARTMENT |
FEE |
| NSF Payments | $45 |
| Late Payments | $45 |
| Mortgage Statement | $25 |
| Mortgage Adminitration fee | $300 |
| Mortgage Discharge/Transfer out fee | $300 per charge |
| Bridge Financing (with mortgage) | $300 |
| Bridge Financing (without mortgage) starting at | $500 |
| Pre Approval | $300 |
Business Account Services
In-Branch Services |
FEES |
| Cheques printed (per 50 cheques) | $20 |
| Cheque binder | $12 |
| Deposit book | $15 |
| Duplicate Statement | $3 |
| Bank Confirmation | $20 |
| Bank verification of certified cheque or bank draft | $10 |
| Certified Cheque | $10 |
| Paper Statement | At cost |
Clearing and Cheques |
FEES |
| Cheque Clearing | $0.50 |
| AFT | $0.50 |
| Point-of-sale (POS) | $0.35 |
| The EXCHANGE Network ATM Withdrawals | FREE |
| The EXCHANGE Network ATM Deposits | FREE |
| CDN Interac ATM withdrawals | $1 |
| U.S ATM withdrawals not on EXCHANGE/ACCEL* | $3 |
| International ATM withdrawals* | $5 |
| Debit Card Replacement | $5 |
| Interac e-Transfer (sending) | $1.50 |
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