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Service Fees

Personal Service Fees

Frequently used services as of June 1, 2022

ServiceFees
Deposits 
Free
Statement with cheque images 
Free
Cheques, debits, transfers, and withdrawals on personal chequing 
$0.65 
Cheques, debits, transfers, and withdrawals on savings 
$1.00 
Withdrawals on AgriInvest 
$3.00 
Withdrawals on TFSA (first is free) 5,6
$3.00 
Cheques and debits on personal USD accounts 
$0.90 
CU BY PHONE® and online banking bill payments - chequing 
$0.50 
CU BY PHONE and online banking bill payments - savings1
$0.50 
Pre-authorized debits 
$0.55 
Pre-authorized debit change (member-initiated) 
$10.00 
Interac® direct payments 
$0.55 
ATM Fees

Deposits at Canadian credit unions 
Free 
Withdrawals at SCU 
$0.55 
Withdrawals at Canadian credit unions 
$0.55 
Withdrawals at Interac ATM's in Canada 
$1.50 
Withdrawals in the U.S. 
$3.50 
International withdrawals and purchases4
$3.50 
Service Fee 

USD cheques on CAD accounts 
$10.00 
Non-encoded cheques 
$5.00 
Statement printouts, in-branch 
$1.25 
Cheque copies, in-branch 
$1.00 
Post-dated cheque handling 
$1.00 
NSF items 
$40.00 
Charge back $5.00 
Overdraft items 
$5.00 
Stop-payments 
$10.00 
Official cheque to member 
$10.00 
Official cheque to non-member 
$15.00 
Registered product transfer-out fee (RRSP/RRIF/TFSA/RESP/RDSP) 
$50.00 
T3 return filing fee 
$195.00/T3 Return 
CAD money order 
$5.00 
USD moneygram drafts 
$5.00 
Convera (formerly Western Union)  USD/foreign draft 
$13.00 
Interac e-Transfer®
$0.65 

1 Does not apply to Plan 24®. Transaction fee for Plan 24 is $1.00.
2 This fee is in addition to SCU’s transfer-out fee.
3 If pre-authorized transfers are returned as Insufficient Funds more than once in any calendar year, they will be cancelled by SCU.
4 A 2.50% service fee on the POS purchase price is applied on top of the $3.50 fee.
5 First monthly transfer from a TFSA is free. Subsequent withdrawals are subject to fees as above, charged at the end of the month. Please ensure funds are available in your TFSA for any fees.
6 A minimum balance of $5.00 is required in a variable TFSA and RRSP to keep the contract open, unless there are other assets in the contract or the account will receive pre-authorized transfers.
7 Applies to statement requests outside of regular semi-annual statements.

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