Fees

For current fees, please contact your local branch or Member Assistance at 416 314 6772, 1 888 516 6664 or help@rapportcu.ca

Daily Banking Service Fees effective November 1, 2015

Savings Accounts
*Eligible transactions: in branch cash withdrawals, Rapport and THE EXCHANGE® Network ATM withdrawals and Debit Card purchases.

 
 

Everyday:

   
      2 eligible transactions each month*
Free
 
      Each eligible transaction after 2 free
$2.00
 

Express:

      Each eligible transaction*
$3.00

 

Chequing Packages
*Eligible transactions: cash withdrawals, cheques, Rapport and THE EXCHANGE® Network ATM withdrawals (excluding Interac, Cirrus ATMs), pre authorized debits, Debit Card purchases (within Canada and the United States), phone or internet bill payments.

 
 

Embark Up to Ten (0 - 10 transactions)

$3.95
 
      With minimum balance of $1,500
Free
 
      Transaction fee after package limit exceeded
$0.75
 

Essential Up to Twenty  (11 - 20 transactions)

$5.95
      With minimum balance of $2,000
Free
      Transaction fee after package limit exceeded
$0.75
 

Evolve Up to  Thirty-Five (21 - 35 transactions)

$6.95
      With minimum balance of $2,500
Free
      Transaction fee after package limit exceeded
$0.75
 

Endless  Unlimited  (unlimited transactions)

$13.95
      With minimum balance of $3,000
Free
 

Established (35 transactions)

$4.95
 
      Transaction fee after package limit exceeded
$0.75
      Age 65+ to qualify    
 

Empower (35 transactions)

Free
 
      Transaction fee after package limit exceeded
$0.75
      Must be a student to qualify    


 
  Grandfathered Chequing without a package - transaction fee
$0.60
 
  Personal cheques cleared on US accounts
$1.00
 
  Transfers initiated by Rapport
$4.50
  NSF cheques and pre-authorized debits / AFT
$45.00
  NSF cheque or pre-authorized debit covered and processed
$45.00
  Personal Cheques cleared – not in currency of account
$15.00
  Cheque certified by member
$5.00
  Cheque certified by non-member
$15.00
  Incorrect/Un-encoded pre-authorized credits
$5.00
  Coverdraft
$1.00
  Send Interac E-Transfer
$1.50
  Primary Corporate Cheques    CDN or US
$7.50
  Wire Transfers Out
At Cost + $10.00
  Wire Transfer In
$5.00
  Wire Returned Fee (3rd Party Fee)
$10.00
  Dishonoured Item- Paid
$45.00
  Paid cheque search - up to 90 days per item
$5.00
  Paid cheque search - 91 days or more per item
$15.00
  Overdraft usage (per month)
$3.00
  Cheque Orders
At Cost
  3rd party item returned unpaid
$5.00
 
  3rd party collection cheques charged to 3rd party
$45.00
  3rd party garnishments charged to Member
$50.00
  Courtesy call to Cover Overdraft                             
$5.00
 

Stop Payments

      Pre-authorized (PAD) debit - complete details (max. of 6 months)
$12.00
      Pre-authorized (PAD) debit - partial details (max. of 6 months)
$20.00
      Cheque - complete details
$12.00
      Cheque - partial details
$20.00

 

 
  Bill payment – online or telephone banking
$0.60
 
  Bill payment – in branch
$1.00
 
  Rejected funds transfer out
$5.00
  Rejected bill payment info/Payment refund after processing
$10.00
  Bill payment reversal /change of payee/payment trace
$15.00

 

 
  Purchases, deposits and withdrawals at Rapport and THE EXCHANGE® Network ATMs – see chequing packages and savings account fees.  
  Member Debit card POS
$0.50
 
  Re-issue ATM/debit card (Second/Lost)
$10.00
  ATM transaction lookup (per item)
$5.00
  THE EXCHANGE® ATMs withdrawals
$0.75
  Interac ATM withdrawals
$1.50
  ACCEL ATMs withdrawals within United States
$3.00
  Cirrus ATM withdrawals  within United States
$3.00
  Cirrus ATM withdrawals  outside of United States
$5.00


Service Fees effective September 26, 2015

 
  Chattel registrations per 5 year term (includes discharge & search)
$75.00
 
  Returned  payments due to non-sufficient funds (NSF)
$45.00
 
  Extension Request (Waived In Strike Situation)
$25.00
  Discharge registration and administration fees
Up to $400.00
  Appraisal and legal fees
At Cost
  CMHC Application Fee
At Cost
  Delinquent more than 45 days (charged monthly)
$10.00
  Delinquency Notices: 1st Notice
$5.00
  Delinquency Notices: 2nd Notice
$10.00
  Collection Letter
$25.00
  Demand Letter
$35.00
  Loan rewrites/Amendments
$40.00
  Vehicle Lien Search
$20.00
  Property search
At Cost
  Bridge Financing
Interest Costs + $350.00
  Restructured Mortgages  – less than minimum
$300.00
  Building Mortgage Application Fee
$100.00
  Mortgage Application fee (refundable upon disbursement of funds)
$100.00

 

 
  Annual Membership Dues
$6.00
 
  Membership Share Requirement
$50.00
 

 

 
  First RRSP/RRIF withdrawal each year (after 180 days on deposit)
Free
 
  Minimum payment withdrawal for RRIF
Free
 
  RRSP/RRIF/TFSA transfers to Worldsource Financial Management Inc.
Free
  Second and subsequent RRSP/RRIF withdrawals each year
$50.00
  RRSP/RRIF/TFSA transfers to other financial institutions
$75.00
  Each RRSP/RRIF withdrawal, closure within 180 days of deposit
$75.00

 

 
  Please refer to your Personal Account Manager/Branch Manager  

 

 
  Buying / Selling Foreign Currency
At Cost
 
  Current Year Statement + postage cost if Out of Country
$2.00
 
  Duplicate statement - more than one year (per year)
$15.00
  Safekeeping of Post dated items (per item)
$5.00
  Traveler's cheques basic (Not available at all locations)
1%
  Canadian Money Orders (Not available at all locations) – Max $1,000 per draft
$5.00
  Search Of Records Under 30 Days
FREE
  Search of Records Over 30 Days
Per Hour $50.00
  Re-Printing Of Previous Year(s) Income Tax Information Per Item
$15.00
  Bank Confirmation Letter   
$25.00
  Life Insured Savings Account – per claim
$200.00
  Deceased Member Account Handling Fee
$100.00
  Membership closed within 6 months  of opening
$50.00
  Savings/chequing acct transferred to another financial institution
$25.00
 

Safety Deposit Boxes

  1 ½ x 5’ + HST James St & Kakabeka
$35.00
  2 ½ x 5’ + HST Main& James St & Kakabeka
$45.00
  2 ½ x 10’ + HST Main & James St & Kakabeka
$70.00
  5 x 5’ + HST Main & James St & Kakabeka
$70.00
  5 X 10’ + HST Kakabeka
$75.00
     
  Late Payment Fee SDB Per Mth
$5.00
  Replacement of Safety Deposit Box Key
$25.00
  Safety Deposit Box - drilling 
$100.00 Plus Costs
 

Dormant Accounts:

 
      One to four years (per year)
$20.00
      Five to nine years (per year)
$25.00
      Dormant Account Notice - Year 2
$100.00
      Dormant Account Notice – Year 5
$100.00
      Fee to transfer Abandoned Account – Year 10
$100.00

All fees are subject to change without notice.

 

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