PREMIUM PACKAGE CHEQUING* - FREE cheques (Econo Series) and cheque processing
- UNLIMITED Direct Payment uses per month
- FREE 15 ATM uses per month***
- UNLIMITED Credit Union ATM uses
- FREE Pre-authorized Payments
- FREE Online and Telephone Banking
- FREE Canadian and US Money Orders
- FREE Certified Cheques
- Multi-level interest bearing account; interest calculated daily and paid monthly: $0-999
1000-2999
3000-4999
5000 and over
- No minimum balance required
- Low Monthly fee of $19.95
- Overdraft protection available
** Excess transactions will be charged our standard service charge rate
of $1.50 for Bank ATMs
*** There is no charge for excess transactions for Credit Union ATMs
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*
$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 ACCOUNTS
Three packages to choose from to meet your
needs:
Business Basics # 1
For $10.00 per month ($5.00 per month for cheques returned)
- No interest
- Monthly Statement (option for 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
- $5.00 per certified cheque
Business Basics # 2
For $25.00 per month ($5.00 per month for cheques returned)
- Tiered interest
- Monthly Statement (option for cheques returned)
- The first 15 over-the-counter debits are free, $0.75 thereafter
- The first 10 electronic transactions are free, $0.75 thereafter
- $1.50 per ATM transactions at other institutions
- Free ATM transactions at other Credit Union ATMs
- $3.00 per ATM transaction-United States
- Free Deposits
- Free certified cheques
Business Basics # 3
For $35.00 per month ($5.00 per month for cheques returned)
- Tiered interest
- Monthly Statement (option for cheques returned)
- Free debits (in branch and electronic)
- Free ATM transactions
- Free Deposits
- Free certified cheques
- $3.00 per ATM transaction-United States
SCHOOL ACCOUNTS
Included Free of Charge
Cheque Images held for safe keeping
Telephone/Online Banking (If applicable)
Bill payments
Certified Cheques
Canadian Money Orders
US Money Orders
Monthly account admin fee
10 cheques written per month
Unlimited cash deposits (excluding coin)
|
FREE
|
In branch deposits
Per cheque on deposit
Per coin roll
(charged at time of deposit}
|
$0.05 / cheque
$0.05 / roll |
Withdrawals
Cheques written |
$0.35 |
Other
Interim Account Statement
NSF Cheques
Charge Backs
|
$5.00
$35.00
$10.00
|
Miscellaneous
Stop Payments
Accounts Closed Within 90 Days
Searches ($25.00 minimum)
Transfer Account Balance to Another FI
Cheques returned with statements
|
$10.00
($15.00 No Details)
$25.00
$25.00 per hour
$10.00
$5.00 / month
|
- You will receive monthly statements
- Accountholder purchases cheques, binders, stamps, etc.
All cheques presented for deposit must have an account number affixed on the back of the cheque
COMMUNITY / NON-PROFIT ACCOUNTS
Your Account Includes Free of Charge:
Cheque Images held for safe keeping
Telephone Banking/Online Banking
(if approved by all signing officers)
Bill Payments
Certified Cheques
Canadian Money Orders
American Money Orders
Monthly Account Administration Fee
5 Debits Per Month
Unlimited Cash Deposits
No Minimum Deposit Required
Access to convenient parking
|
FREE |
You Must purchase 5 shares @ $5.00 each |
$25.00 |
Debits
Per Cheque/ Pre-Authorized Debit |
$0.55 |
Other
Interim Account Statement
NSF Cheques
Charge Backs |
$5.00
$25.00
$10.00
|
Miscellaneous
Stop Payments'
Accounts Closed Within 90 Days of Opening
Searches ($25 minimum)
Transferring Account Balance to Another FI
Cheques returned with statements
|
$10.00
($15.00 no details)
$25.00
$25.00 per hour
$10.00
$5.00 / month |
- You will receive monthly statements
- Account holder purchases cheques, binders, stamps, etc.
- All cheques presented for deposit must have an account number affixed on the back of the cheque
|
