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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
Income Tax Preparation - Basic Return 65 + Tax
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.