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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.
