Business, Agricultural & Organization Accounts

Transcription

1 Business, Agricultural & Organization Accounts caisse.biz

2 BUSINESS, AGRICULTURAL & ORGANIZATION ACCOUNTS CHEQUING ACCOUNT $3.00 per month For every $500 of the minimum monthly balance amount, you receive one free transaction per month. BUSINESS 30 $16.25 per month The first 30 transactions of the month are included, electronic BUSINESS 90 $44.25 per month The first 90 transactions of the month are included, electronic BUSINESS 150 $64.25 per month The first 150 transactions of the month are included, electronic * TRANSACTIONS INCLUDED WITH ACCOUNTS The following transactions are included, as indicated, with the Business, Agricultural & Organization Accounts: Electronic Transactions Electronic debit Interac debit Transaction at a Caisse Financial Group ATM Transaction at a Credit Union AccuLink ATM Electronic bill payment In-Branch Transactions Withdrawal Transfer Cheque Online account statements via e-caisse are free for all accounts. Should you exceed the number of transactions included in the Business, Agricultural & Organization Accounts, fees will apply to each additional transaction as indicated below. ORGANIZATION Account for non-profit organizations and small organizations. The first 10 transactions of the month are included, electronic U.S. ACCOUNT $1.50 per month Account for companies that do business in U.S. funds. Fees apply to in-branch transactions: cheque - $1.00 and withdrawal - $0.65. Transfers and in-branch deposits are free. This account does not allow electronic transactions. AGRI-INVEST for farmers This is a matching deposit program between the farmer and the Federal Government, with deposits made to an Agri- Invest account at your financial institution. Contact a branch for all details regarding this program. Earn a high variable interest rate with this account. TRANSACTION FEES - BUSINESS, AGRICULTURAL & ORGANIZATION ACCOUNTS Electronic Transaction Fees Electronic debit, Interac debit, withdrawal at a Caisse Financial Group ATM, electronic bill payment, transfer (e-caisse, Caisse Financial Group ATM) Transaction at a Credit Union AccuLink ATM In-Branch Transaction Fees Cheque, withdrawal, transfer Bill payment Service fees are subject to change without notice. $0.60 $1.50

3 SAVINGS ACCOUNT PLAN 24 (P24) Electronic transfers via e-caisse, Télé-Caisse, Caisse Financial Group ATMs and Credit Union AccuLink ATMs are free. Earn interest with this account; the interest rate is tiered according to the account balance, is calculated on the closing daily balance and paid into the account at the end of the month. SAVINGS PLUS (SP) The first transaction of the month is free, electronic or inbranch. ACCESSING YOUR ACCOUNTS You can access your accounts at any of our 27 branch locations and via e-caisse, our online banking service. LOANS AND FINANCING We are experienced lenders and offer a multitude of financing options at competitive rates, including line of credit, operating loan, commercial mortgage, VISA Business credit card and credit leasing. INSURANCE Get additional protection with our credit insurance for commercial loans, mortgage loans and lines of credit as well as with our other insurance products. Earn high interest with this account; the high interest rate is tiered according to the account balance, is calculated on the closing daily balance and paid into the account at the end of the month. TRANSACTION FEES - SAVINGS ACCOUNTS The following fees apply to all transactions in excess of any free transaction(s) included with the savings accounts. There are no fees for electronic and in-branch deposits. Electronic Transactions P24 SP Electronic debit $1.50 Interac debit (debit card) n/a Electronic bill payment $1.50 Withdrawal at a Caisse Financial Group ATM Withdrawal at a Credit Union AccuLink ATM Electronic transfer (e-caisse, Télé- Caisse, Caisse Financial Group ATMs and Credit Union AccuLink ATMs) $1.50 $1.50 free $1.50 In-Branch Transactions Withdrawal, transfer $1.50 In-branch bill payment $1.50 $1.50 Deposits are guaranteed 100% by the Deposit Guarantee Corporation of Manitoba which means that all your deposits, principal and interest, are guaranteed without limit.

4 SERVICE FEES The following service fees apply to all accounts, unless indicated otherwise. ACCOUNT CLOSING Account transferred to another financial $ institution Closed within 180 days of open date $ Inactive account $ per year BILL PAYMENTS In-branch (for members only) $ 1.50 CHEQUES Bank Draft / Official Cheque (CDN funds) $ 6.00 Bank Draft / Official Cheque (US funds) $ Certified Cheque (member) $ 6.00 Certified Cheque (non-member) $ Cheque in US funds drawn on a Canadian $ funds account Cheque received on collection $ (taken off proceeds) Cheque sent on collection $ Cheque with non-sufficient funds (NSF) $ Cheque Order (quantities of 4, 12, 24, 48, 100 or 200) Consult your branch Non-encoded Cheque (processing) $ 3.00 Overdraft Cheque (processing) $ 5.00 Post-dated Cheque (handling) $ 3.00 Returned Cheque (chargeback on account) $ 5.00 Returned Cheque (chargeback against loan) $ Stop Payment $ RRSP, TFSA & RRIF Transfer out to another financial institution $ Transfer to C Finance SAFETY DEPOSIT BOX Annual Fee Drilling Key Replacement Free $ to $ plus GST As per invoice As per invoice STATEMENTS Account Statement - online via e-caisse Free Account Statement - paper via mail As per account Cheque Images on CD $ Photocopy of statement (archived) $ 2.00 TRANSFERS Automated Transfer to cover NSF cheque $ 1.50 Manual Transfer (member request by $ 3.00 telephone) Telephone Wire (outgoing and incoming) Cost + $ MISCELLANEOUS Bank Confirmation $ Fax $ 2.00 Money Order $ 5.00 Night Deposit Bag (plastic only) Free Photocopy $ 0.50 Search (account history, transactions, etc.) $ per hour

5 OUR COMMITMENT Our priority is to serve the needs of our members by offering excellent financial products, services and rates. At Caisse Financial Group, you are our member, not a number. That s how we ve earned a 90% satisfaction rating from our members. OUR ROOTS Caisse Financial Group was the first financial services co-operative established in Manitoba in More than 75 years later, our 27 branches serve 32,000 members in French and English. We remain committed to our communities by contributing up to 5% of our profits annually to community projects and activities. Profit from belonging to your community financial institution. Service fees in effect June 1 st, 2015 and are subject to change. Trade-mark of Interac Inc. Used under lisense AccuLink & Design are registered trademarks owned by Credit Union Central of Canada, used under license BONUSDOLLARS, is a registered trademark of Fédération des caisses Desjardins du Québec Including the La Salle Branch as of August 1 st, 2015 DC /15 EN