Service Charges

Service Charges

For complete details and service charge exceptions refer to the related Account page.

Rates Effective January 21, 2014

Account Cheque Charges  
Service Fee
All-in-One (Canadian) Personal 65¢
All-in-One (Canadian) Agricultural 75¢
Al-in-One (Canadian) Commercial 75¢
All-in-One (U.S.) 75¢
Personal Chequing 55¢
Agricultural Chequing 60¢
Commercial Chequing 65¢
Premium Plus40 transactions included in monthly fee of $10.25
FAT CAT®, HEADSTART® & Golden AccountFree
Enhanced Premium Plus 70 transactions included in monthly fee of $15.00
Unlimited Premium Plus Unlimited transactions included in monthly fee of $20.00
Cheque Charges 
Service Fee
Official Cheque/Primary Order $5.00
Personalized personal cheques 50 @ $23.68 to 200 @ $26.30
Personalized business cheques100 @ $53.84 to 800 @ $171.85
Cheque Certification - Issuer $6.00
Cheque Certification - Other than Issuer $15.00
Cheque Collection fee, settled immediately $15.00
Cheque Collection fee, held to verify funds $25.00
Chequing Cashing $100 and lower $3.00
Chequing Cashing $100.01 and higher $5.00
MEMBER CARD® Debit Card Charges 
ServiceFee
MEMBER CARD® Debit CardFree
Home Credit Union ATM - Withdrawals/Transfers/Deposits Free
Participating Credit Unions - Withdrawals/Deposits Free
Other financial institutions - Withdrawals/Transfers $1.50
U.S. - Withdrawals $1.75
International - Withdrawals $5.00
Denied Transaction penalty charge* $1.50
* Applies when - Insufficient funds for withdrawal, Invalid PIN or attempt to exceed withdrawal limits
Inquiries Free
Direct Payment $0.40
Replacement of lost or stolen membercard $3.00
Money Orders/Drafts 
Service Fee
Drafts (U.S.) $5.00
Money Orders $5.00
Money Order Trace Fee $3.00 plus CUCM fee
Returned Items/Overdraft Charges 
Service Fee
N.S.F./item $30.00
N.S.F. Chargeback (business accounts) $5.00
Overdrafts/cheque $5.00 plus interest
Bill Payments 
Service Fee
In Branch, Member $1.00 /bill
CU@HOME40¢ /bill
In Branch, Non-Member $2.00 /bill
Wire/Transfer Fees 
ServiceFee
Wires $8.00 plus Central Fee
Balance Inquiry, in person no transaction $1.00
Balance Inquiry, telephone $1.00
Transfer Funds, telephone $2.00
Hold Funds Fee, Member initiated $2.00
INTERAC e-Transfer† fee$1.50
Loans/Mortgages 
ServiceFee
Late Loan Notice - 1st Notice (agr & commercial accounts) $7.00
Late Loan Notice - 2nd Notice (agr & commercial accounts) $10.00
Mortgage Discharge (full) $180.00
Mortgage Discharge (partial) $180.00
Registration, Manitoba $10.00/ year
Renewals, Manitoba $10.00/ year
Safety Deposit Box 
Service Fee
Small box rental (1.5" x 5.0")$30.00 plus GST
Medium box rental (2.5" x 5.0")$35.00 plus GST
Large Wide box rental (2.5" x 10")$60.00 plus GST
Large box rental (5.0" x 5.0")$60.00 plus GST
Extra large box rental (5.0" x 10")$75.00 plus GST
Safety deposit box Drilling $20.00 plus cost & GST
Safety deposit box key replacement $25.00 plus GST
Statements 
Service Fee
Reprint $2.50
Travel Insurance 
Service Fee
Fee on Value Cost
Traveller's Cheques 
Service Fee
Traveller's Cheques (minimum $2.00) 1%
Stop Payments 
Service Fee
Complete details $10.00/item
Incomplete details $15.00/item
Telephone Verification 
Service Fee
Local $1.00
Manitoba $4.00
Out of Province $6.00
MasterCard 
Service Fee
Low Fee MasterCard $12.00
Low Fee with Choice Rewards $24.00
No Fee MasterCard No Fee
Low Fee Gold$35.00
Low Fee Gold with Choice Rewards $59.00
Gold MasterCard $96.00
Gold with Choice Rewards $120.00
Platinum Class$150.00
Student MasterCard No Fee
Student with Choice Rewards $24.00
Contact

We’re listening! We value all feedback.

Fill out your information and we will contact you.


Contact Us 2018
Personal Commercial Agriculture Investments Loans About Us
Member Feedback

Vanguard Credit Union is a full-service financial institution with branches in Binscarth, Birtle, Brandon, Hamiota, Kenton, Miniota, Oak Lake, Oak River, Rossburn, Russell, and St. Lazare.

© Vanguard Credit Union | Terms of Use
logo