NLCU Collabria Credit Cards
Credit Card |
Fee |
Interest Rate |
Additional Card Fee |
NLCU Collabria Cash Back Mastercard |
$0 |
19.99% |
$0 |
NLCU Collabria Travel Rewards Visa Gold Card |
$99 |
19.99% |
$30 |
NLCU Collabria US Dollar Mastercard |
$50 USD |
19.99% |
$35 USD |
NLCU Collabria Centra Gold Mastercard |
$50 |
11.99% |
$10 |
NLCU Collabria World Mastercard |
$120 |
20.99% |
$50 |
NLCU Collabria Classic Mastercard |
$0 |
12.99% |
$0 |
Chequing Account Service & Transaction Fees
Chequing Package |
Fee |
# of Free Transactions |
Per Item Cost of Chequing Transactions |
Basic Chequing Account (Seniors Program Discount) |
$3.95 ($0) |
12 |
$1.25 |
Masterplan (Seniors Program Discount) |
$10.95 ($7.65) |
30 |
$1.25 |
Masterplan Plus (Seniors Program Discount) |
$29.95 ($20.95) |
Unlimited* |
$0 |
My e-Account Unlimited (Seniors Program Discount) |
$17.95 ($12.55) |
Unlimited* |
$1.25 |
US Dollar Account |
$2 |
Pay as you go |
$1.25 |
Prime |
$0 |
Unlimited* |
$1.25 |
No-Fee Student Super Saver |
$0 |
Unlimited* |
$0 |
*Based on transactions included in chequing package.Seniors Program is for members aged 59 and over.
Per Cost of Transaction (if applicable in package) |
Fee |
In-branch Withdrawal/Transfer |
$1.25 |
Cheque Withdrawal/Pre-Authorized Payment |
$1.25 |
Cash Withdrawal |
$1.25 |
Transfer Debit |
$1.25 |
ICU Withdrawal |
$1.25 |
ATM Withdrawal & Debit (CU/Interc/Plus) |
$1.25 |
Phone (IVR) Debit & Bill Payment |
$1.25 |
Online Debit Transfer |
$1.25 |
Online Bill Payment |
$1.25 |
Debit Card Transaction (CDA/Cross Border/Online) |
$1.25 |
Interac e-Transfer |
$1.25 |
Other Chequing Fees & Transactions (not included) |
Fee |
Over-the-Counter Bill Payments (included in Prime) |
$5 |
Telepay Withdrawals |
$5 |
Cheque Orders (included in Prime) |
Charged directly by supplier |
Interac Withdrawals (ATM) |
$2 |
Plus Withdrawals (Foreign ATM) |
$3.50 |
Overdrafts |
$10 |
Authorized Chequing Overdraft Protection |
18% |
Unauthorized Overdraft Interest Rate |
24% |
Inactive Accounts (5 months +) |
$5/month |
Inactive Account (24 months +) |
$20/month |
Transfers from Daily Interest Savings Account to Advantage Savings Account |
$2.25 |
Transfers from Online Savings |
$7.25 |
Interac e-Transfer from a Monthly Savings Plan (1 annual no-fee transfer is included) |
$5.50 |
Savings Account Service & Transaction Fees
Savings Package |
# of Free Transactions |
Per Item Cost of Chequing Transactions |
Plan 24 |
3 |
$2 |
Advantage |
3 |
$2 |
Online Savings |
Unlimited* |
$5.50 |
Monthly Savings Plan |
1 |
$5.50 |
Fat Cat |
10 |
$1.25 |
Non Interest/Share |
3 |
$2 |
*Based on what transactions are included in chequing package.
Savings Account Transactions (if applicable in package) |
Fees based on Savings Account (see above) |
MemberDirect Debit Transfer |
MemberDirect Bill Payment |
ATM Withdrawals and Debits (Credit Union/Interac/Plus) |
In-Branch Withdrawals/Transfers |
Pre-Authorized Payments |
ICU Withdrawals |
Phone (IVR) Debit & Bill Payment |
Debit Card Transaction (CDA/Cross Border/Online) |
Cash Withdrawals |
Interac e-Transfer |
Other Saving Fees & Transactions (not included in package) |
Fee |
Over-the-Counter Deposits |
$5.50 |
Interac Withdrawals (ATM) |
$2 |
Plus Withdrawals (Foreign ATM) |
$3.50 |
Overdrafts |
$10 |
Authorized Chequing Overdraft Protection |
18% |
Unauthorized Overdraft Rate |
24% |
Over-the-Counter Bill Payment |
$5 |
Telepay Withdrawal |
$5 |
Registered Product Fees
Service |
Fee |
Transfer Fees |
$75 |
Early Redemption |
$85 |
Estate Fees |
$125 |
More than 2 Withdrawals from RRSP |
$25 |
T5 Amendments |
$5.50 |
Duplicate Tax Reciept (RRSP, T4 RSP, T4 RIF & T5) |
$5.50 |
Safety Deposit Boxes
Size |
Fee |
1.5 x 5 |
$45 + tax |
2.5 x 5 |
$60 + tax |
3.25 x 5 |
$60 + tax |
5 x 5 |
$90 + tax |
1.5 x 10.38 |
$75 + tax |
2.5 x 10.38 |
$90 + tax |
5 x 10.38 |
$175 + tax |
10 x 10.38 |
$275 + tax |
Replacement Key |
$10 |
*Varied discounts on Safety Deposit Boxes are offered with chequing packages.
Other Fees & Charges
Description |
Fee |
Seniors Pricing - Tax Return |
$55 + tax |
Student Pricing - Tax Return |
$30 (+$10 to transfer credits) |
Fees and pricing is subject to change without notice and subject to credit approval.
For more information about NLCU's pricing and services charges, please call 1-800-563-3300.
*Certain conditions apply.