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
- Contact Us for options and prices
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
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
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
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