Fees
At AcceleRate Financial, there are no monthly maintenance fees and you won’t have to pay to deposit funds.
The following fee structure reflects our goal to provide deposit solutions for savings and investment. For additional information regarding our service fees, please contact an AcceleRate Financial member services support centre at:
Winnipeg: 1-204-954-9543
Toll-free: 1-888-954-9543
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
The following fees are effective as of September 1, 2022. Please note that all fees are subject to change.
Standard texting and data rates apply to all mobile online transactions.
| Transaction Fees | |
| Savings Account Fees | |
| All deposits Free | Free |
| Personal cheque order | Free |
| First cheque, Interac direct payment or electronic funds withdrawal per calendar month | Free |
| Each additional debit | $1.00 |
| Automated Teller Machine (ATM) Fees | |
| Credit Union ATM (ACCULINK®) deposits and inquiries | Free |
| Credit Union ATM (ACCULINK®) withdrawals and transfers | $1.00 |
| INTERAC® and out-of-province ATM not on ACCULINK® withdrawal | $2.00* |
| U.S. and international ATM (Cirrus) withdrawal | $3.50* |
| *In addition to a $1.00 fee at month's end | |
| ATM Card Fees | |
| Initial card or replacement card | Free |
| Replacement card (mishandling) | $10.00 |
| Internet Banking / ExpressLine Telephone Banking Fees | |
| Bill payments | $1.00 |
| Transfer between sub-accounts | Free |
| INTERAC® e-transfer | |
| Send | $1.00* |
| Receive | Free |
| Cancel previous send | $1.50 |
| *In addition to a $1.00 fee at month’s end | |
| Administration Fees | |
| Stop Payment | |
| Specifics known | $11.00 |
| Specifics not known (monitoring fee per day) | $1.50 |
| Minimum | $15.00 |
| Maximum per month | $30.00 |
| Returned Items and Charge Backs | |
| Chargeback on 3rd party cheque | $5.00 |
| Chargeback on 1st party cheque | $40.00 |
| NSF withdrawal (cheque/EFW) | $50.00 |
| No overdrafts allowed. An interest rate of 21% will be charged on accounts in an overdraft position. |
|
| Minimum charge | $3.00 |
| Transfer from sub-account to cover OD | $3.00 |
| Primary order / draft | $10.00 |
| Membership Closed | |
| Within 3 months of opening | $10.00 |
| Registered Products | |
| Duplicate tax information receipts - per slip | $5.00 |
| Transfer out fee (per request) | $50.00 |
| Specialized Estate Assistance Fee | $275/hr - 1 hr. min. |
| T3 Preparation/Return Filing Fee | $275/hr - 1 hr. min. |
| Wire Transfers* | |
| Incoming wire | $15.00 |
| Outgoing wire (Canadian financial institution) | $15.00 |
| Outgoing wire (US Financial institution) | $25.00 |
| Outgoing wire (International) | $40.00 |
| Wire trace / Recall requests | $30.00 |
| *Other charges may apply | |
