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PLAN 24^® SPECIAL SAVINGS (pay as you go)

• Withdrawals…………………………………………$0.80
• Debit Memos & Transfers…………………….$0.80
• Electronic & MemberDirect Transfer…….$0.65
• ETransfers…………………………………………..$1.50
• Deposits……………………………………………….Free
• MemberDirect Access…………………………..Free

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MAXIMIZER^® PERSONAL ACCOUNT (pay as you go)
(Interest Bearing Chequing)

• Monthly Maintenance Fee………………………$5.00
• Cheques………………………………………………..$0.80
• Withdrawals…………………………………………..$0.80
• Direct Payment & Mastercard…………………$0.75
• Electronic & MemberDirect Transfer……….$0.75
• Debit Memos & Transfers………………………$0.80
• ETransfers……………………………………………$1.50
• Deposits………………………………………………..Free
• MemberDirect Access……………………………Free

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GOLDEN ACCCOUNT
(Senior’s Account Package)
Upon achieving your 60th birthday
Monthly Fee – $6.95

• 25 Free Debit Items
• Free MemberDirect Access
• Free Foreign Currency Drafts
• Free Managers Trust Cheques
• Free Stop Payments
• Free Deposits
• Free Utility Bill Payments
• Free Paper Statements
• ETransfers……………………….$1.00

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CUPAC
(Package available on Personal Chequing & Personal MAXIMIZER accounts only) 
Monthly Fee – $9.95
Service includes:

• 30 Free Debit Items
• Free MemberDirect Access
• Free Deposits
• Free Utility Bill Payments
• ETransfers…………………………$1.25

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CUPAC – PLUS
(Package available on Personal Chequing & Personal MAXIMIZER accounts only)
Monthly Fee – $13.95
Service includes:

• Unlimited Debit Items
• Free MemberDirect Access
• Free Deposits
• Free Utility Bill Payments
• Free Rental on a Small Safety Deposit Box 
  ($36.75 value)
• ETransfers………………………….$1.00

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PREMIUM – PLUS
(Package available on Personal Chequing & Personal Maximizer accounts only)
Monthly Fee – $21.95
Service includes:

• Unlimited Debit Items
• Free MemberDirect Access
• Free Personalized Cheques
• Free U.S. Bank Drafts
• Free Foreign Currency Order
• Free Utility Bill Payments
• Free Traveller’s Cheques
• Free Stop Payment – Cheques Only
• Free Certified Cheques
• Free Paper Statements
• Free Deposits
• Free Rental on a Safety Deposit Box 
  ($57.75 value)
• Free Etransfers

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YOUTH ACCCOUNTS
FREE

• 25 Free Debit Items
• Free MemberDirect Access
• Free Deposits
• Regular ATM Interac and Cirrus fees apply
• Parent or guardian must sign
• Term Deposit minimum $100.00
• ETransfers…………………………………$1.50

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GRADUATE ACCCOUNT
(Students enrolled in Post-Secondary Education)
Monthly Fee – $10.95

• 40 Free Debit Items
• Free MemberDirect Access
• Free Deposits
• Full time enrollment is defined as 60% of regular course load
• ETransfers…………………………………$1.50

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CHARITABLE ORGANIZATIONS
(Registered Charities Only)
FREE

• Unlimited Debit Items
• FREE Utility Bill Payments
• FREE Deposits
• FREE Paper Statements

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COMMUNITY ACCCOUNTS
(Non-Registered Charities) 
Monthly Fee – $5.95
Societies/Non-Profit Organizations, Recreational/Service Clubs

• Unlimited Debit Items
• Free Utility Bill Payments (organization name only)
• Free Deposits
• Free Paper Statements

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MEMBERSHIP SHARE              $5.00

This $5.00 share provides you with full services and privileges offered by North Valley Credit Union. 
All members 16 years of age and over are eligible to vote at the annual meeting or at special meetings of the membership.

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ADDITONAL SERVICE CHARGES

Include but are not limited to:

• Paper Statement Fee ……………………………….$3.00
• INTERAC e-Transfer™ Fee
  Send…………………………………………………………$1.50
  Receive……………………………………………………. Free
• U.S. Dollar Draft
  Member…………………………………………………….$7.50
  Non-Member…………………………………………….$12.00
• Manager’s Trust Cheques
• Member…………………………………………………..$7.50
• Non-Member…………………………………………..$12.00
• Certified Cheques…………………………………….$15.00
• Charge Back Fee………………………………………$7.00
• NSF Item……………………………………………….$45.00
• Card Replacement…………………………………..$5.00
• Dormant Account (after 2 years)………………$20.00
• Utility bill Payment…………………………………….$2.00

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Business Account Packages

Effective December 1, 2014

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COMMERCIAL BASIC

Monthly Fee – $15.00
Service Includes:

• 10 Debit Items
• Free Utility Bill Payments
• Free Internet Banking
• Free Deposits
• Free Deposit Books

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COMMERCIAL REGULAR

Monthly Fee – $30.00
Service Includes:

• 25 Debit Items
• Free Utility Bill Payments
• Free Internet Banking
• Free Deposits
• Free Deposit Books

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MAXIMIZER^® BUSINESS ACCOUNTS 
An additional monthly fee of $10.00 will be added
to all interest bearing chequing accounts.

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COMMERCIAL PLUS

Monthly Fee – $100.00
Service Includes:

• 60 Debit Items
• Free Utility Bill Payments
• Free Internet Banking
• Free Deposits
• Free Deposit Books
• 1% Fee on Cash/Coin Orders
• Free Night Depository
• Free Small Safety Deposit Box
• 50% off CAFT set up training

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COMMERCIAL PREMIUM

Monthly Fee – $175.00
Service Includes:

• Unlimited Debit Items
• Free Utility Bill Payments
• Free Internet Banking
• Free Deposits
• Free Deposit Books
• Free Cash/Coin Orders
• Free Night Depository
• Free Small Safety Deposit Box
• Free Stop Payments
• Free Manager’s Trust Cheques
• Free Certified Cheques
• Free Foreign Currency Dollar Drafts
• No Charge Back Fees
• Free CAFT set up training
• CAFT Monthly Fee Waived
• One Free Wire Transfer a Month
• One Free Business Cheque Starter Kit
  (Kit includes: 200 cheques, binder, personalized stamp and 50 2-part personalized deposit slips)

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SERVICE CHARGES

• Cheques…………………………………………………….$1.00
• Withdrawals………………………………………………..$1.00
• Direct Payment / Mastercard Payment………..$0.75
• Electronic / MemberDirect Payment……………$0.75
• Debit Memos / Transfers…………………………….$1.00
• Deposits……………………………………………………..Free

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ADDITIONAL SERVICE CHARGES

• Cash/Coin Orders………………………………..2%
• Night Depository…………………………………$100.00/Yr
• Paper Statement Fee……………………………$3.00
• USD Currency Draft
  Member ………………………………………………$7.50
  Non-Member …………………………………….. $12.00
• Manager’s Trust Cheques
• Member……………………………………………..$7.50
• Non-Member……………………………………..$12.00
• Certified Cheques……………………………….$15.00
• Charge Back Fee………………………………..$7.00
• Stop Payments (Cheque & AFT)…………..$10.00
• Third Party Demand……………………………$100.00
• Wires (Outgoing & Incoming)
  Canadian …………………………………………..$20.00 / $15.00
  U.S. ………………………………………………….. $30.00 / $15.00
  International ………………………………………$35.00 / $15.00

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Account Terms and Conditions:

Personal Account Terms & Conditions
Business Account Terms & Conditions