Personal Accounts. caisse.biz

Transcription

1 Personal Accounts caisse.biz

2 CHEQUING ACCOUNTS UNLIMITED ACCOUNTS UNIVERSAL $ 0.00 per month 1 Unlimited electronic and in-branch transactions included.* 1 A minimum balance of $1,000 is required; a monthly fee of $2.00 and fees per transaction apply if the minimum balance of $1,000 is not continuously maintained throughout the e-option $ 9.25 per month Unlimited electronic transactions included.* Fees apply to all in-branch transactions. MULTI-OPTION UNLIMITED $ per month One free order of 200 cheques per year. No fee for traveler s cheques, certified cheques and personal money orders. MONTHLY ACCOUNTS MULTI-OPTION 20 $ 7.25 per month The first 20 transactions of the month are included, electronic One free order of 48 cheques per year. MULTI-OPTION 40 $ per month The first 40 transactions of the month are included, electronic One free order of 100 cheques per year. MULTI-OPTION 60 $ per month The first 60 transactions of the month are included, electronic One free order of 200 cheques per year. PAY AS YOU GO ACCOUNT REGULAR $ 1.50 per month 2 Fees apply to all transactions, in-branch and electronic. 2 If there is no activity in the account in the month, no monthly fee is charged. NO FEE ACCOUNTS YOUTH PLU$ Account for youth ages 18 years and under. Monthly draws of $50 and $100 (conditions apply). : learn how to save your money. STUDENT ACCOUNT Chequing account for post-secondary students ages 18 to 25 (conditions apply). One free order of 48 cheques per year. : learn how to manage your money. STUDENT SAVINGS Savings account for post-secondary students ages 18 to 25 (conditions apply). Deposits & transfers are included, electronic and in-branch. No other transactions are allowed on this account. Three draws of $500 every year (conditions apply). : learn how to manage your money. 60 PLUS Account for individuals ages 60 years and over. One free order of 100 cheques per year. Free in-branch bill payment. 25 % rebate on safety deposit box fees. U.S. ACCOUNT Unlimited in-branch transfers and deposits included. Fees apply to : cheque - $ 1.00 and withdrawal - $ This account does not allow electronic transactions. A monthly fee of $1.50 applies if the U.S. account is not linked to a Caisse Financial Group Canadian funds account. Earn interest on this account, calculated on the closing daily Service fees are subject to change without notice.

3 *TRANSACTIONS INCLUDED WITH ACCOUNTS The following transactions are included, as indicated, with Unlimited Accounts, Monthly Accounts and No Fee Accounts: ELECTRONIC Electronic debit Interac debit Transaction at a Caisse Financial Group ATM Transaction at a Credit Union AccuLink ATM Electronic bill payment IN-BRANCH Withdrawal Transfer Cheque Cheques are not offered for the Youth PLU$ Account or the Student Savings Account Electronic deposits, in-branch deposits and electronic transfers (e-caisse, Télé-Caisse and Caisse Financial Group ATMs) are free and are not counted towards the number of monthly transactions allowed per account. Online account statements via e-caisse are free for all accounts. Should you exceed the number of transactions included with the Monthly Accounts, transaction fees will apply to each additional transaction as below. TRANSACTION FEES - CHEQUING ACCOUNTS Electronic Transaction Fees Electronic debit, Interac debit, withdrawal at a Caisse Financial Group ATM, electronic bill payment Transaction at a Credit Union AccuLink ATM In-Branch Transaction Fees Cheque, withdrawal, transfer Bill payment over the counter Deposits are guaranteed 100% by the Deposit Guarantee Corporation of Manitoba which means that all your deposits, principal and interest, are guaranteed without limit. $ 0.55 $ 0.75 $ 0.65 $ 1.50 SAVINGS ACCOUNTS PLAN 24 (P24) Electronic transfers (e-caisse, Télé-Caisse, Caisse Financial Group ATMs and Credit Union AccuLink ATMs) are free. Fees apply to all other transactions. Earn interest with this account; the interest rate is tiered according to the account balance, is calculated on the daily closing balance and paid into the account at the end of the TRUE SAVINGS (TS) The first 2 transactions of the month are free, electronic or in-branch. Electronic transfers are included: e-caisse, Télé-Caisse, Caisse Financial Group ATMs and Credit Union AccuLink ATMs. Fees apply to all other transactions. Earn interest with this account; the interest is calculated on the monthly minimum balance and paid into the account on June 30 and December 31. SAVINGS PLUS (SP) The first electronic or in-branch transaction of the month is free. Fees apply to all other transactions. Earn a high interest rate with this account; the rate is tiered according to the account balance, is calculated on the closing daily balance and paid into the account at the end of the TRANSACTION FEES - SAVINGS ACCOUNTS The following fees apply to all transactions in excess of any free transaction(s) included with the savings accounts. There are no fees for electronic and in-branch deposits. Electronic Transactions P24 TS SP Electronic debit $ 0.75 $ 0.90 $ 1.50 Interac debit (debit card) $ 0.75 $ 0.90 n/a Electronic bill payment $ 0.75 $ 0.90 $ 1.50 Withdrawal at a Caisse Financial Group ATM $ 0.75 $ 0.90 $ 1.50 Withdrawal at a Credit Union AccuLink ATM $ 0.75 $ 0.90 $ 1.50 Electronic transfer (e-caisse, Télé-Caisse, Caisse Financial Group ATMs and Credit Union AccuLink ATMs) free free $ 1.50 In-Branch Transactions Withdrawal, transfer $ 0.75 $ 0.90 $ 1.50 In-branch bill payment $ 1.50 $ 1.50 $ 1.50

4 SERVICE FEES The following service fees apply to all accounts, unless indicated otherwise. ACCOUNT CLOSING Account transferred to another financial $ institution Closed within 180 days of open date $ Inactive Account $ per year ATM - OTHER FINANCIAL INSTITUTIONS These fees are in addition to the ATM transaction fees as per your account. Interac - ATM Withdrawal $ 1.50 Maestro/Cirrus - ATM Withdrawal $ 3.00 There are no surcharge fees for withdrawals at a Caisse Financial Group ATM or a Credit Union AccuLink ATM. BILL PAYMENTS In-Branch (for members only; free for 60 PLUS account) $ 1.50 CHEQUES Bank Draft / Official Cheque (CDN funds) $ 6.00 Bank Draft / Official Cheque (US funds) $ Certified Cheque (member) $ 6.00 Certified cheque (non-member) $ Cheque in US funds drawn on a Canadian $ funds account Cheque received on collection $ (taken off proceeds) Cheque sent on collection $ Cheque with non-sufficient funds (NSF) $ Non Encoded Cheque (handling) $ 3.00 Order of Cheques (quantities of 4, 12, 24, 48, 100 or 200) Consult your branch Overdraft Cheque (handling) $ 5.00 Post-dated Cheque (handling) $ 3.00 Returned Cheque (chargeback on account) $ 5.00 Returned Cheque (chargeback against loan) $ Stop Payment $ RRSP, TFSA & RRIF Transfer out to another financial institution $ Transfer to C Finance Free SAFETY DEPOSIT BOX Annual Fee Drilling Key Replacement ACCESSING YOUR ACCOUNTS $ to $ plus GST There are many ways to access your account: In-branch at any of our 27 branches Online banking: e-caisse Caisse Financial Group ATMs Credit Union AccuLink ATMs (no surcharge fees) Interac Direct Payment (debit card) Telephone banking: Télé-Caisse As per invoice As per invoice STATEMENTS Cheque Images on CD $ Online Account Statement via e-caisse Free Paper Account Statement via mail As per account Photocopy of Statement (archived) $ 2.00 TRANSFERS Automated Transfer to cover NSF cheque $ 1.50 Manual Transfer (member request by $ 3.00 telephone) Telephone Wire (outgoing and incoming) Cost + $ MISCELLANEOUS Bank Confirmation $ Fax $ 2.00 Money Order $ 5.00 (free for Multi-Option Unlimited Account) Night Deposit Bag (plastic only) Free Photocopy $ 0.50 Search (account history, transactions, etc.) $ per hour Service fees in effect June 1 st, 2015 and are subject to change. Trade-mark of Interac Inc. Used under lisense AccuLink & Design are registered trademarks owned by Credit Union Central of Canada, used under license BONUSDOLLARS, is a registered trademark of Fédération des caisses Desjardins du Québec Includes the La Salle Branch as of August 1 st, 2015.

5 OTHER PRODUCTS CREDIT CARDS We offer a full selection of VISA Desjardins credit cards for all your needs, including BONUSDOLLARS rewards and low annual fee or low interest rate options. LOANS AND MORTGAGES We are experienced lenders and offer a multitude of mortgage options at competitive rates. We also offer many types of loans for your specific needs, including line of credit, personal loan and student loan. For added peace of mind, take advantage of our loan insurance options. SAVINGS AND INVESTMENTS Whether placing your money in our savings accounts or our investments, your funds are 100% guaranteed, principal and interest. We offer a full selection of investments, including Guaranteed Investment Certificates (GIC), Tax Free Savings Accounts (TFSA), Registered Retirement Savings Plans (RRSP) and more. OUR COMMITMENT Our priority is to serve the needs of our members by offering excellent financial products, services and rates. At Caisse Financial Group, you are our member, not a number. That s how we ve earned a 90% satisfaction rating from our members. OUR ROOTS Caisse Financial Group was the first financial services co-operative established in Manitoba in More than 75 years later, our 27 branches serve 32,000 members in French and English. We remain committed to our communities by contributing up to 5% of our profits annually to community projects and activities. Profit from belonging to your community financial institution. DG /15 EN