Compare Chequing Account Rates

Item Personal Chequing SmartCheq                        SmartGold
Membership fee, monthly $4.00 $4.00 $4.00
Account fee, monthly $3.00 $12.50 $25.00
Optional Monthly Statements Mailed $2.00 $2.00 $2.00
Cheques & Pre-Authorized Charges $0.75 $0.75 (over 40 transactions) included
OTC Withdrawals $0.75 $0.75 (over 40 transactions) included
ATM Withdrawal $1.00 $1.00 (over 40 transactions) included
ATM Deposit (Exchange Network ATM) free free free
Replacement Membercard (1 free per year) $5.00 $5.00 $5.00
POS (point of sale purchases) $0.65 $0.65 (over 40 transactions) included
Utility Bill Payments $1.35 $1.35 (over 40 transactions) included
OWCU MasterCard Payments free free free
Canadian Money Order $6.50 $6.50 included
CAD Bank Draft coming soon coming soon coming soon
US Bank Draft coming soon coming soon coming soon
Foreign Bank Draft coming soon coming soon coming soon
OWCU Official Cheque $6.50 $6.50 included
Certified Cheques, Member $10.00 $10.00 included
Certified Cheques, Non-member $15.00 $15.00 $15.00
Stop Payments, Full Details $12.50 $12.50 included
Stop Payments, Incomplete Details $20.00 $20.00 included
Personalized Cheques Cost Cost Included
Account History Print $3.00 $3.00 Included
Overdraft Transfers $5.00 $5.00 $5.00
Overdraft Handling (per item) $6.00 $6.00 $6.00
NSF Returns* $45.00 $45.00 $45.00
Cheques Charged Back $7.00 $7.00 $7.00
Non MICR Encoded Cheques $12.00 $12.00 $12.00
$US Cheques on $Cdn. Accounts $12.50 $12.50 $12.50
Post Dated Cheques held for deposit $2.00 $2.00 $2.00
Wire Transfer – Domestic (Canadian $) $20.00 $20.00 $20.00
Wire Transfer – International (Canadian $) $35.00 $35.00 $35.00
Wire Transfer – US $ $25.00 US $25.00 US $25.00 US
Close Membership < 90 days $15.00 $15.00 $15.00
Record Search < 90 days – per item $2.00 $2.00 $2.00
Record Search > 90 days – per hour – per employee $25.00 $25.00 $25.00