personal accounts we re here for you.

Transcription

1 personal accounts we re here for you.

2 basic chequing & self service packs Effective June 1, 2011 basic chequing This is a pay as you go account; if you conduct only a few transactions per month, it s just right for you. If you maintain a minimum monthly balance of $2,000.00, the monthly fee and transaction fees are waived. Electronic statement and electronic cheque images are included. $3.00 Minimum monthly balance In-branch withdrawals, transfers, cheques etc. Cleared cheques (considered a self-service transaction) $2,000 to waive monthly fee and transaction fees $0.80 each $0.60 each Bill payments self service packs Self Service Packs are for members who prefer to use our electronic services like ATM, Interac Direct Payment, Tele- Touch and MemberDirect Banking, and cleared cheque withdrawals. There are two Self Service Packs to choose from. $6.00 per month pays for 25 self-service transactions. $10.00 per month pays for unlimited self service transactions. Electronic statement and electronic cheque images are included. 2 5 P a c k U n l i m i t e d P a c k $6.00 $10.00 Number of withdrawals included per month TeleTouch & MemberDirect Banking access In-branch withdrawals, transfers, cheques etc. Cleared cheques (considered a self-service transaction) 25 self-service transactions Over limit $0.60 each Over limit unlimited selfservice transactions $0.80 each EXCHANGE and Interac ATM withdrawals Bill payments * Withdrawals at any Credit Union ACCULINK ATM, MemberDirect and Tele- Plus account withdrawal fees. MemberDirect & Design are trademarks owned by Credit Union Central of Canada, used under license. Trademark of Interac Inc. The Credit Union is an authorized user of the Trade Mark. THE EXCHANGE is licensed for use by FICANEX Services Limited Partnership. * Withdrawals at any Credit Union ACCULINK ATM, MemberDirect and Tele- Plus account withdrawal fee if over transaction limit. Plus account withdrawal fee if assisted-service bill payment, or if self-service bill payment and over transaction limit.

3 total service packs total service packs Total Service Packs are for members who use a combination of self-service and assisted-service transactions each month. All accounts include electronic statement and electronic cheque images. 1 0 P a c k 2 5 P a c k 6 0 P a c k U n l i m i t e d $4.00 $7.50 $12.00 $13.00 Number of withdrawals included per month* In-branch withdrawals, transfers, cheques etc. $0.80 each Cleared cheques $0.60 each Self-service withdrawals Withdrawals at any Credit Union ACCULINK ATM, Member- Direct and TeleTouch Banking withdrawals and transfers, Interac Direct Payment, pre-authorized debits, cleared cheque withdrawals, etc. Excludes EXCHANGE, Interac, US, and International EXCHANGE & Interac ATM withdrawals Bill payments for paper statement and cheque images Standard travellers cheques Commission free Drafts Safety deposit box $10.00 discount * Excludes EXCHANGE, Interac, US, and International Plus account withdrawal fee if over transaction limit. Canadian and US drafts only

4 student & youth packages MyChequing account If you are between the ages of 18-24, here s a chequing product that will be great for your way of banking. MyChequing has a low monthly fee of just five dollars that gets you unlimited transactions and a lot more. So you can spend, without paying to spend. Electronic statement and electronic cheque images are included. $5.00 Number of withdrawals included per month In-branch withdrawals, transfers, cheques etc. Cleared cheques (considered a self-service transaction US and International ATM withdrawals Bill payments * $1.75 each $2.00 each fat cat & youth packages Our Fat Cat Package is the fun way for kids up to age 12 to save and learn how to manage money. There s no monthly fee and every member gets 25 self-service and 5 assisted-service transactions per month. The package may be applied to your choice of either a chequing or Plan24 Savings account. The Youth Package offers all the benefits of the Fat Cat Package, but it is designed for youth members age Electronic statement and electronic cheque images are included. Number of withdrawals included per month In-branch withdrawals, transfers, cheques etc. Cleared cheques (considered a self-service transaction) 25 self-service* & 5 assisted-service transactions Chequing: $0.80 each Plan24: $1.00 each $0.60 each Bill payments Standard redeemable and non-redeemable term deposits $ minimum * Withdrawals at any Credit Union ACCULINK ATM, MemberDirect and Tele- * Withdrawals at any Credit Union ACCULINK ATM, MemberDirect and Tele- Plus account withdrawal fee if over transaction limit

5 US services & senior package US chequing Withdrawals, transfers, cheques etc.* $0.75 each Electronic statement and cheque images Paper statement and cheque image return senior package...continued Number of withdrawals included per month 60 In-branch withdrawals, transfers, cheques etc. Chequing: $0.80 each Plan24: $1.00 each senior package The Senior Package is the exclusive package for members age 60 and over. If your spouse is a joint member on the account, he or she is also eligible regardless of age. The Senior Package may be applied to either a chequing account or a Plan24 Savings account, on one account only. An electronic or paper statement is included. Electronic cheque images are also included. Paper cheque images are available for an additional fee. continued... Cleared cheques (considered a self-service transaction) $0.60 each Bill payments Electronic statement and cheque images $1.25/month Drafts Standard travellers cheques Safety deposit box Standard 1-5 year redeemable monthly interest term deposits Commission free $5.00 discount 1/8% interest bonus * Excludes EXCHANGE, Interac, US, and International If member also holds a Canadian chequing account that includes statement. and cheque images. * Withdrawals at any Credit Union ACCULINK ATM, MemberDirect and TeleTouch Banking withdrawals and transfers, Interac Direct Payment, pre-authorized debits, Plus account withdrawal fees if over transaction limit. Canadian and US drafts only.

6 personal services membership equity shares All fully-qualified members of Interior Savings must hold five Membership Equity Shares, each of which has a par value of $1.00. When redeemed or transferred, they will be purchased for $1.00 per share. Equity shares are not protected by the Credit Union Deposit Insurance Corporation of British Columbia. Their strength lies solely on the success of Interior Savings. Dividends paid on Membership Equity Shares are prescribed by the Board of Directors. plan24 and tax savings Plan24 and Tax Savings accounts are for members who want to maintain moderate or low balances in a separate account. They are ideal for members who have only a few transactions per month. Number of withdrawals included per month 2 In-branch withdrawals, transfers, cheques etc $1.00 each investment savings Investment Savings is a tiered, high-interest savings account for members who maintain high balances. This account does not allow Interac or ATM transactions. Interest is calculated daily and paid monthly on all funds in your account, not just on the money that falls within an interest rate tier. t-bill savings T-Bill Savings is a tiered savings account for members who maintain large balances and conduct few transactions. Interest is calculated daily and paid monthly on all the funds in your account, not just on the money that falls within an interest rate tier. Number of withdrawals included per month* 5 Withdrawals, transfers, pre-authorized debits, Interac Direct Payment etc. Number of transfers included per month** 2 Over limit transfers. Withdrawals $5.00 each $5.00 each $1.25 each * Withdrawals at any Credit Union ACCULINK ATM, MemberDirect and Tele- Plus account withdrawal fees if over transaction limit * Excludes EXCHANGE, Interac, US, and International ATM withdrawals ** Valid only on transfers within Interior Savings Credit Union Plus account withdrawal fees if over transaction limit

7 branch locations other services Ashcroft Barriere Chase Clearwater Lillooet Merritt Kamloops Lansdowne Branch Summit Branch Tranquille Branch Valleyview Branch Kelowna Glenmore Branch Kelowna Branch Mission Branch Orchard Centre Branch Rutland Branch Lake Country Okanagan Falls Oliver Osoyoos Vernon West Kelowna Online and Mobile Banking Commercial Services Centres Kamloops Kelowna Telephone Banking Kelowna ISCU (4728) Toll free outside Kelowna area ISCU (4728) MK313-06/11 w e r e h e r e f o r y o u.