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Services and Fees

*In effect May 1, 2024
Subject to change 
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We offer competitive service charge prices, ensuring affordability and value for its members. It's important to note that these prices are subject to change in accordance with market trends, economic conditions, and the evolving needs of the members. Beaubear Credit Union aims to provide transparent and fair pricing while maintaining its commitment to delivering exceptional financial services to its community.
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Foreign Currency

Our members can make in-branch purchases of euros and U.S. dollars. We recommend however that our members contact us in advance to ensure the required amounts are available. 

In addition, we can order in almost ANY foreign currency you need! Just call us 506.622.4532 to place your order and we'll have it ready for you to pick up within approximately 5 - 7 business days. 

 
 
* Business Service Charges are highlighted in grey

ATM Withdrawals  
YOUR Credit Union ATM Withdrawal 1.00
YOUR Credit Union ATM Bill Payment 1.00
EXCHANGE® and ACCULINK® ATM Withdrawal 1.00
INTERAC® Network (domestic) ATM Withdrawal (Personal/Business) 2.00
PLUS® Network (international) ATM Withdrawal (Personal/Business) 4.00
INTERAC® Cross Border (US debit) 1.00
YOUR Credit Union ATM Withdrawal - Business 1.25
YOUR Credit Union ATM Bill Payment - Business 1.25
EXCHANGE® and ACCULINK® ATM Withdrawal (Other Credit Union ATM) 1.25
INTERAC® Cross Border (US debit) - Business 1.25
   
Online Banking  
Inquiry Free
Transfer Free
Bill Payment 1.00
Bill Payment - Business 1.25
   
TeleService® Telephone Banking  
Inquiry Free
Transfer Free
Bill Payment 1.00
Bill Payment - Business 1.25
   
INTERAC®  
INTERAC® Debit (in-store or online) purchase Member Card® 1.00
INTERAC e-Transfer® Deposit Free
INTERAC e-Transfer® Withdrawal 2.00
INTERAC e-Transfer® Stop Payment 5.00
INTERAC® Debit (in-store or online) purchase - Member Card® (Business) 1.25
   
In-Branch  
Cash Withdrawal Free
Bill Payment 1.00
Transfer Free
Bill Payment - Business 1.25
Cheque Withdrawal - Business 1.25
   
Transfers  
Transfer by Beaubear to cover overdrawn - auto 3.00
Transfer by Beaubear to cover overdrawn - manual (Personal/Business) 5.00
Telephone assisted inter-account transfer 3.00
Telephone assisted or Email Transfer/Bill Payment 3.00
Business Telephone Assisted or Email Transfer/Bill Payment 5.00
Business Telephone Assisted or Email inter-account transfer 5.00
   
Statements  
Online Banking e-Statements Free
Monthly Personal Paper Statements 3.00
Monthly Statements in Branch (Personal) 3.00
Monthly Business Paper Statements 5.00
Monthly Business Statements In-Branch 5.00
   
Safety Deposit Box  
Small 40.00/yr
Medium 50.00/yr
Large 60.00/yr
Lost Key 25.00
Drilling 250.00
   
Service Charges  
Pre-authorized payment 1.00
Cheque Withdrawal 1.00
Cheque Withdrawal - Savings Account 5.00
Pre-authorized payment - Business 1.25
Cheque Withdrawal - Business 1.25
Stop Payment (full details) 20.00
Deactivate INTERAC Flash® 20.00
Official Cheque 10.00
Official Cheque - non-Member 25.00
Returned NSF Items 45.00
Duplicate Statement 3.00
Single Cheque Search/Image 10.00
Foreign Currency Draft - FX Notes 25.00
Clickable Cheques Free
Mobile Text Banking* and Mobile Web Banking Free
DepositAnywhere™ (iPhone/Android Cheque Deposit) Free
Chargeback Item 15.00
Cheque non-encoded (n/a for savings account) 20.00
US Cheque Canadian Account (n/a for savings account) 15.00
Loan extension fee 45.00
Loan, LOC, or Mortgage Late Payment (Personal & Commercial) 45.00
Signing Officer Changes (1 free every 12 months) 25.00
Business Deposit Books 5.00
Debit Mastercard - Chargeback 50.00
Bill Payment Adjustment Request - Trace 20.00
Bank Confirmation/Interest Letter 25.00
Business Credit Rating 25.00
Automatic AFT initial set-up (Personal & Commercial) 25.00
New AFT (Personal & Commercial) 10.00
AFT Changes (Personal & Commercial) 5.00
Night Depository Bags (100) 65.00
Late Reporting Fee - Business 100.00
PPSA Search/Amendment (Personal & Commercial) 25.00
PPSA Discharge (Personal & Commercial) 50.00
Night Depository (annual) 60.00
Financial Planning Services Free
File/Voucher Search (min 25 minutes) 35.00/hr
Reference/Interest Letter/Inactive Notice (Personal & Commercial) 25.00
RESP/RRSP/RRIF (Registered) Transfer Out  50.00
Non-Registered Transfer Out (Personal & Commercial) 25.00
Replacement Card 10.00
Inactive Account (Personal & Commercial) 5.00/month
Close Account < 1Year 25.00
Wire Transfer - Canadian, US, International Fees Vary