MEMBER PACKAGE CHEQUING*

• FREE Initial 200 Personalized cheques (Econo Series)

• FREE Cheque Processing

• FREE 45 Direct Payment uses per month**

• FREE 15 ATM uses per month***

• FREE Pre-authorized Payments

• FREE MemberDirect Services

• FREE Canadian Money Orders

• FREE US Money Orders

• FREE Certified Cheques

• No  minimum balance required

• Low Monthly fee of $12.95

**               Excess transactions will be charged our standard service charge rate of $0.55

***              Excess transactions will be charged our standard service charge of $1.00 for Credit Union ATMs and $1.25 for Bank ATMs

****              No Interest paid on this account

  SMARTCHEK*

• No minimum balance required

• Multi-level interest bearing account; interest calculated daily and paid monthly

             $0-999

              1000-2999

              3000-4999

              5000 and over

• Per cheque processing charge of $0.55 unless a minimum balance of $750.00 is maintained throughout the entire month

• Direct payment services are $0.55 per transaction unless a minimum balance of $750.00 is maintained throughout the entire month

• MemberCard ATM fee of $1.25 per transaction

• Canadian and US Money orders, certified cheques extra

• Member purchases own personalized cheques

GOLDEN ACCOUNT*

• Available to members 59 years and older
• No minimum balance required
• Multi-level interest bearing account; interest calculated daily and paid monthly

            $0-999

              1000-2999

              3000-4999

              5000 and over

• FREE cheque processing
• FREE MemberCard ATM access and direct payment services (Savings & Chequing)
• FREE Canadian and US Money orders, certified cheques
• FREE personalized cheques - (Econo Series)
• Deposits of $5,000.00 or more for a period of one year or longer receive a bonus interest rate

* NBTA Credit Union Chequing Accounts are unable to cover ATM charges implemented by owners of ATM machines

**Automatic transfer in place on all chequing accounts to cover insufficient funds.  Overdraft protection provided for qualifying members.  Overdrawn accounts outside of overdraft limits will be charged $4.25 per item plus interest.  NSFs on account will be charged $35.00 per item.  If a MSR has to call a member regarding an overdrawn account, a $5.00 calling fee per call will apply.

*Cheques returned with Statement $5.00

**Terms of our chequing accounts are subject to change without notice**

Business Basics # 1
For $7.00 per month

• No interest
• Monthly statement with cheques returned
• $0.75 per debit/credit (in branch or electronic)
• $1.50 per ATM transactions at other institutions
• $0.75 per ATM transactions at other Credit Union ATMs
• $3.00 per ATM transaction - United States
• $3.00 per month for MemberDirect access
• $5.00 per certified cheque

Business Basics # 2
For $25.00 per month

• Tiered interest
• Monthly statement with cheques returned
• The first 15 over-the-counter debits are free, $0.75 thereafter
• The first 10 electronic debits are free, $0.75 thereafter
• $1.50 per ATM transactions at other institutions
• Free ATM transactions at other Credit Union machines
• $3.00 per ATM transaction - United States
• Free MemberDirect access
• Free Deposits
• Free certified cheques

Business Basics # 3
For $35.00 per month

• Tiered interest
• Monthly statement with cheques returned
• Free debits (in branch and electronic)
• Free ATM transactions
• Free MemberDirect access
• Free Deposits
• $3.00 per ATM transaction - United States

SCHOOL / FUND RAISING ACCOUNTS

• You will receive monthly statements
• Accountholder purchases cheques, binders, stamps, etc.