personal accounts we re here for you.

Transcription

1 personal accounts we re here for you.

2 basic chequing & self service packs Effective August 1st, 2008 basic chequing This is a pay as you go account; if you conduct only a few per month, it s just right for you. If you maintain a minimum monthly balance of $1,000.00, the monthly fee and transaction fees* are waived. $1.00 Minimum monthly balance In-branch withdrawals, transfers, cheques etc. $1, to waive monthly fee and transaction fees* $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. $4.00 per month pays for 15 self-service. $6.00 per month pays for 25 self-service. 1 5 Pack 2 5 Pack $4.00 $6.00 Number of withdrawals included per month* TeleTouch & MemberDirect Banking access In-branch withdrawals, transfers, cheques etc. (considered a self-service transaction) 15 selfservice Over limit $0.60 each Over limit 25 selfservice Bill payments * Excludes non-exchange Canadian credit union, Interac, US and International ATM withdrawals 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 in Canada by FICANEX Services Limited Partnership. 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 each month. 10 Pack 25 Pack 60 Pack Unlimited $4.00 $7.50 $11.00 $13.00 Number of withdrawals included per month* Unlimited In-branch withdrawals, transfers, cheques etc. Unlimited $0.60 each Unlimited Unlimited Bill payments Standard travellers cheques Commission free Drafts Safety deposit box $10.00 discount Total Service Unlimited Pack Plus Option For an extra $5.00 per month, add the Plus Option and receive free stop payments and 10 Canadian Interac/US ATM withdrawals per month (over limit $1.75 each). Plus account withdrawal fee if over transaction limit. Canadian and US drafts only

4 student & youth packages chequing 101 Chequing 101 is a low-fee student account for members who attend a post-secondary school on a full-time basis. There are two Chequing 101 packages to choose from. Get 15 self-service for $2.00 per month, or 25 self-service for $3.00 per month. To qualify for Chequing 101, simply provide proof of full-time enrollment on a yearly basis. 15 Pack 25 Pack $2.00 $3.00 Number of withdrawals included per month* TeleTouch & MemberDirect Banking access In-branch withdrawals, transfers, cheques etc. (considered a self-service transaction) Withdrawals at any Credit Union/EXCHANGE ATM in Canada Interac ATM withdrawals in Canada 15 self-service 25 self-service $0.60 each $1.75 each Bill payments 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 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 Number of withdrawals included per month* In-branch withdrawals, transfers, cheques etc. (considered a self-service transaction) 25 self-service & 5 assisted-service Chequing - Plan24 - $1.00 each $0.60 each Bill payments Standard redeemable and non-redeemable term deposits $ minimum 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

5 u s services & senior package US chequing senior package continued Monthly statement and cheque images Withdrawals, transfers, cheques etc. senior package $0.75 each 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. Bill payments $1.25/month Drafts Standard travellers cheques Commission free Safety deposit box $5.00 discount Number of withdrawals included per month* In-branch withdrawals, transfers, cheques etc. 60 Chequing - Plan24 - $1.00 each $0.60 each Standard 1-5 year redeemable monthly interest term deposits 1/8% interest bonus Senior Package Plus Option For an extra $10.00 per month, add the Plus Option and receive free stop payments and 10 Canadian Interac/US ATM withdrawals per month (over limit $1.75 each). If member also holds a Canadian chequing account that includes statement and cheque return 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 per month. Number of withdrawals included per month* 2 In-branch withdrawals, transfers, cheques etc $1.00 each investment savings Investment Savings is a non-registered, tiered, high-interest savings account for members who maintain high balances. This account does not allow Interac or ATM. 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. 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 ** Valid only on transfers within Interior Savings Credit Union

7 branch locations other services Ashcroft Barriere Chase Clearwater Lillooet Merritt Kamloops Tranquille Branch Valleyview Branch Summit Branch Lansdowne Branch Kelowna Kelowna Branch Rutland Branch Mission Branch Orchard Centre Branch Glenmore Branch Lake Country Okanagan Falls Oliver Osoyoos Vernon Westbank Commercial Lending Centres Kamloops Kelowna Kelowna 862-ISCU (4728) Toll free outside Kelowna area ISCU (4728) MemberDirect Internet Banking MK313-05/08 we re here for you.