Fees
For current fees, please contact your local branch or Member Assistance at 416 925 1107, 1 888 516 6664 or help@rapportcu.ca
Daily Banking Service Fees effective November 15, 2023
Savings Accounts |
Fees
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Everyday: |
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2 eligible transactions each month* |
Free
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Each eligible transaction after 2 free |
$2.00
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Express: |
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Each eligible transaction* |
$3.00
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Explore: |
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Each eligible transaction* |
Free
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Enrich: |
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Each eligible transaction* |
$2.00
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Energize: |
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Each eligible transaction* * |
$5.00
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Savings Accounts
*Eligible transactions: in branch cash withdrawals, Rapport and THE EXCHANGE® Network ATM withdrawals and Debit Card purchases.
** Energize Eligible Transactions: In Branch Cash Withdrawals, Transfers, PreāAuthorized Debits or Credits, Rapport and THE EXCHANGE Network ATM Transactions / Debit Card Purchases, Online or Telephone Bill Payments, Interac Withdrawals, Interac E-Transfers, and ATM outside Canada. One eligible transaction free per month. $5.00 per eligible transaction over the transaction limit.
Other Chequing and/or Savings Account Service Fees |
Fees
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Grandfathered Chequing without a package - transaction fee |
$0.75
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Personal cheques cleared on US accounts |
$1.00
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Transfers initiated by Rapport |
$4.50
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NSF cheques and pre-authorized debits / AFT |
$45.00
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NSF cheque or pre-authorized debit covered and processed |
$45.00
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Personal Cheques cleared – not in currency of account |
$15.00
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Cheque certified by member |
$5.00
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Cheque certified by non-member |
$15.00
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Incorrect/Un-encoded pre-authorized credits |
$5.00
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Coverdraft |
$1.00
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Send Interac E-Transfer |
$1.50
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Request Money Interac E-Transfer |
$1.50
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Primary Corporate Cheques CDN or US |
$7.50
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Wire Transfers Out |
At Cost + $10.00
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Wire Transfer In |
$5.00
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Wire Returned Fee ( 3 rd Party Fee) |
$10.00
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Dishonoured Item- Paid |
$45.00
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Paid cheque search - up to 90 days per item |
$5.00
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Paid cheque search - 91 days or more per item |
$15.00
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Overdraft usage (per month) |
$3.00
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Cheque Orders |
At Cost
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3 rd party item returned unpaid |
$5.00
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3 rd party collection cheques charged to 3rd party |
$45.00
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3 rd party garnishments charged to Member |
$50.00
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Courtesy call to Cover Overdraft |
$5.00
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Stop Payments |
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Pre-authorized (PAD) debit - complete details (max. of 6 months) |
$12.00
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Pre-authorized (PAD) debit - partial details (max. of 6 months) |
$20.00
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Cheque - complete details |
$12.00
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Cheque - partial details |
$20.00
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Bill Payments |
Fees
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Bill payment – online |
$0.75
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Bill payment – in branch |
$1.00
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Rejected funds transfer out |
$5.00
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Rejected bill payment info/Payment refund after processing |
$10.00
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Bill payment reversal /change of payee/payment trace |
$15.00
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ATM/Debit Card |
Fees
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Purchases, deposits and withdrawals at Rapport and THE EXCHANGE® Network ATMs – see chequing packages and savings account fees. | |||
Member Debit card POS |
$0.50
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Re-issue ATM/debit card (Second/Lost) |
$10.00
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ATM transaction lookup (per item) |
$5.00
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THE EXCHANGE® ATMs withdrawals |
$0.75
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Interac ATM withdrawals |
$1.50
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ACCEL ATMs withdrawals within United States |
$3.00
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Cirrus ATM withdrawals within United States |
$3.00
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Cirrus ATM withdrawals outside of United States |
$5.00
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Personal Loan & Mortgage Lending |
Fees
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Chattel registrations per 5 year term (includes discharge & search) |
$75.00
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Returned payments due to non-sufficient funds (NSF) |
$45.00
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Extension Request (Waived In Strike Situation) |
$25.00
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Discharge registration and administration fees |
Up to $400.00
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Appraisal and legal fees |
At Cost
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CMHC Application Fee |
At Cost
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Delinquent more than 45 days (charged monthly) |
$10.00
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Delinquency Notices: 1st Notice |
$5.00
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Delinquency Notices: 2nd Notice |
$10.00
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Collection Letter |
$25.00
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Demand Letter |
$35.00
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Loan rewrites/Amendments |
$40.00
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Vehicle Lien Search |
$20.00
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Property search |
At Cost
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Bridge Financing |
Interest Costs + $500.00
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Restructured Mortgages – less than minimum |
$300.00
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Building Mortgage Application Fee |
$100.00
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Mortgage Application fee (refundable upon disbursement of funds) |
$100.00
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When you become a member, you become an owner.
Rapport - A Division of WFCU Credit Union is owned by all WFCU members. Everyone who joins Rapport purchases a memebrship share in WFCU, at a price of $5.00, and then continues to hold that share for as long as they remain a member. Your $5.00 share account is kept separate from other money on deposit, and gets refunded when the account is closed.
Membership |
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Membership Share Requirement |
$5.00
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Registered Plans |
Fees
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First RRSP/RRIF withdrawal each year (after 180 days on deposit) |
Free
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Minimum payment withdrawal for RRIF |
Free
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RRSP/RRIF/TFSA transfers to Carte Wealth Management Inc. |
Free
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Second and subsequent RRSP/RRIF withdrawals each year |
$50.00
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RRSP/RRIF/TFSA transfers to other financial institutions |
$75.00
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Each RRSP/RRIF withdrawal, closure within 180 days of deposit |
$75.00
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Concentra RESP partial transfers to other financial institutions |
At Cost
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Mutual Funds and Self Directed Fees |
Fees
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Please refer to your Personal Account Manager/Branch Manager | |||
Miscellaneous Services |
Fees
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Buying / Selling Foreign Currency |
At Cost
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Current Year Statement + postage cost if Out of Country |
$2.00
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Duplicate statement - more than one year (per year) |
$15.00
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Safekeeping of Post dated items (per item) |
$5.00
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Traveler's cheques basic (Not available at all locations) |
1%
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Canadian Money Orders (Not available at all locations) – Max $1,000 per draft |
$5.00
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Search Of Records Under 30 Days |
FREE
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Search of Records Over 30 Days |
Per Hour $50.00
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Re-Printing Of Previous Year(s) Income Tax Information Per Item |
$15.00
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Bank Confirmation Letter |
$25.00
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Life Insured Savings Account – per claim |
$200.00
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Deceased Member Account Handling Fee |
$100.00
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Membership closed within 6 months of opening |
$50.00
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Savings/chequing acct transferred to another financial institution |
$25.00
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Safety Deposit Boxes |
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1 ½ x 5’ + HST James St & Kakabeka |
$35.00
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2 ½ x 5’ + HST Main& James St & Kakabeka |
$45.00
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2 ½ x 10’ + HST Main & James St & Kakabeka |
$70.00
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5 x 5’ + HST Main & James St & Kakabeka |
$70.00
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5 X 10’ + HST Kakabeka |
$75.00
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Late Payment Fee SDB Per Mth |
$5.00
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Replacement of Safety Deposit Box Key |
$25.00
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Safety Deposit Box - drilling |
$100.00 Plus Costs
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Dormant Accounts: |
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One to four years (per year) |
$20.00
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Five to nine years (per year) |
$25.00
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Dormant Account Notice - Year 2 |
$100.00
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Dormant Account Notice – Year 5 |
$100.00
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Fee to transfer Abandoned Account – Year 10 |
$100.00
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All fees are subject to change without notice.