Chequing

Lock N Block Debit Card Technology

NBTA Credit Union is excited to be one of the first financial institutions in Canada to offer a new technology called “Lock n Block” to our Members!  Lock n Block, a technology created in partnership with Everlink, allows Members to turn functionality of their own debit cards on and off through the NBTA Credit Union App, MemberDirect Online, or MemberDirect Mobile.

Members can:
  • Lock or unlock your NBTA Credit Union debit card
  • Block or unblock purchases and refunds
  • Block or unblock ATM transactions
  • Block or unblock international transactions
  • Have the peace of mind knowing that you have control over your NBTA Credit Union debit card.

Interac Flash* Available On New NBTA Credit Union Debit Cards

Interac Flash Technology* is now available on new debit cards allowing you to use the “tap” technology to pay for small purchases quickly and easily.  To learn more about this technology, check out the following video:

 

Personal  |  Business  |  Schools  |  Community/Non-Profits


Personal Accounts

1. PREMIUM CHEQUING

  • FREE cheque orders (Econo Series) and cheque processing
  • UNLIMITED Direct Payment uses per month
  • FREE 15 ATM uses per month at another financial institution (our fee waived)*
  • UNLIMITED Credit Union or Exchange Network ATM uses
  • FREE Interac E-Transfers
  • 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
  • No minimum balance required
  • Low monthly fee of $19.95
  • Overdraft protection available

2. VALUE CHEQUING

  • FREE INITIAL 200 Personalized cheques (Econo Series)
  • FREE Cheque processing
  • FREE 45 Direct Payment uses per month ( $0.55 per transaction for additional usage)
  • FREE 15 ATM uses per month at another financial institution (our fee waived)*
  • UNLIMITED Credit Union/Exchange Network ATM uses
  • FREE Pre-authorized payments
  • FREE Online and Telephone banking
  • FREE Canadian and US Money Orders
  • FREE Certified Cheques
  • No minimum balance required
  • Low monthly fee of $12.95
  • Overdraft protection available

3. VIRTUAL CHEQUING

  • UNLIMITED Direct Payment uses per month
  • UNLIMITED Credit Union or Exchange Network ATM uses
  • FREE 15 ATM uses per month at another financial institution (our fee waived)*
  • FREE Pre-authorized Payments
  • FREE Online and Telephone Banking
  • 4 FREE counter service withdrawals per month ($0.55 per transaction for additional usage)
  • FREE cheque processing
  • No minimum balance required
  • Low monthly fee $7.50
  • Overdraft protection available

4. SMARTCHEK

  • Multi-level interest bearing account; interest calculated daily and paid monthly
  • 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
  • UNLIMITED Credit Union or Exchange Network ATM uses
  • ATM fee $1.50 per transaction (at another financial institution)
  • UNLIMITED Credit Union/Exchange Network ATM uses
  • Overdraft protection available

5. GOLDEN ACCOUNT

  • Available to Members 59 years and older
  • No minimum balance required
  • Multi-level interest bearing account; interest calculated daily and paid monthly
  • FREE cheque orders (Econo Series) and cheque processing
  • FREE ATM access and direct payment services
  • FREE Canadian and US Money Orders and Certified Cheques
  • Term deposits of $5000.00 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 OTHER FINANCIAL INSTITUTIONS OR OWNERS OF ATM MACHINES

**Automatic transfer in place on all chequing accounts to cover insufficient funds.  Overdraft protection provided for qualifying members at $5.00 per month.  Overdrawn accounts outside of overdraft limits will be charged $4.25 per item plus interest.  NSFs on account will be charged $45.00 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
$45.00
$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 Monthy 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

Included Free of Charge
Cheque Images held for safe keeping
Telephone/Online Banking (If approved by all signing officers)
Bill payments
Certified Cheques
Canadian Money Orders
US Money Orders
Monthly account admin fee
10 Debits Per Month
Unlimited cash deposits
No Minimum Deposit Required
Access to convenient parking
Free
You must purchase 1 share @ $5.00  $5.00
Debits
Per Cheque/ Pre-Authorized Debit

$0.35
Other
Interim Account Statement
NSF Cheques
Charge Backs

$5.00
$45.00
$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 Monthy Statements.
  • Accountholder purchases cheques, binders, stamps, etc.
  • All cheques presented for deposit must have an account number affixed on the back of the cheque.

*All new NBTA Credit Union debit cards come with Interac Flash enabled and Interac’s Zero Liability  protection.  If you still want Interac Flash disabled on your debit card, you will incur a one-time (per card) charge of $25.  This is due to the cost to disable the card at the issuer level.