Personal Banking - Account Types

Plan 24 Savings Account

The traditional savings account for situations when you need immediate access to your funds, and wish to earn interest. A monthly statement is issued.

Interest

Interest is calculated on daily closing balance and paid monthly.

Chequing Account

This account is ideal for members who only make a small number of transactions per month. You will receive a monthly statement with imaged cheques. Your fees include a per item charge.

Fees:

• $3.00 monthly fee
• $.55 per debit (pre-authorized debits, cheques, Interac®)
• 4 free in-branch withdrawals, .50 each thereafter
• $1.50 per ATM use at other financial institutions excluding BC Credit Unions
• $3.50 per ATM use in another country

Energy Chequing

This account energizes your return! Energy Chequing is designed specifically for large balances, and features a tiered interest scale. This means the more you deposit the more interest you earn. Minimal to no service fees arecharged for accounts with balances over $10,000. A monthly statement with imaged cheques is issued.

Interest Rates:

Interest is calculated on daily closing balance and paid monthly

Fees:

• If balance falls below $10,000 at end of day, a $20.00 monthly fee applies. There is no service fee if the account balance is kept at $10,000 or greater.
• $1.50 per ATM use at other financial institution excluding BC Credit Unions
• $3.50 per ATM use in other country
• Free cheques
• No fee for Travellers’ Cheques
• Unlimited debits (pre-authorized debits, cheques, Interac®)

NEW! Platinum Savings Account

Need a better way to save cash? We have a solution. Introducing our Platinum Plan Savings Account.

Interest Rates:

Monthly floating interest paid at 1.25% per annum on all balances calculated on closing daily balance. (No tiers)

Fees:

• $5 fee for any withdrawals
• No Minimum balance required
• Free deposits and transfers in
• No Monthly Fee
• 2 Free transfers out to other NPSCU accounts per month - ($5 fee for each transfer thereafter)

Maximizer

For the member requiring full electronic banking this account provides a comprehensive package that offers a variety of services for a single low monthly fee. This account features a tiered interest scale as well as unlimited Interac®, cleared cheques, pre-authorized debits. A monthly statement is issued; however, imaged cheques are NOT included.

Interest Rates:

Interest is calculated on daily closing balance and paid monthly

Fees:

• $10.50 monthly fee (unlimited pre-authorized debits,cheques, Interac®)
• $1.50 per ATM use at other financial institution excluding BC Credit Unions
• $3.50 per ATM use in other country
• No fee for Travellers’ Cheques

Golden Account

You've earned it! That's why we automatically enroll members 65 and older to our Golden status. Golden status gives you a number of FREE services and discounts on various credit union products. Receive the following services for FREE on either your regular Chequing Account or your Maximizer Account.

• Monthly account statement
• Cheque clearing
• Withdrawals (in branch)
• Withdrawals at all Credit Union ATMs
• Pre-authorized Debits
• Interac® Direct Payment
• Transfers between accounts
• ¼% bonus interest on your Daily Interest Savings Account
• $5 off Safety Deposit Box Rental
• Cheque Certification
• Money Orders
• Cheque Orders (limited selections)
• Free on-line banking

US Dollar Maximizer

When you need to deal with US funds on a regular basis, the US Dollar Maximizer account is ideal for your needs. The funds remain in US currency, consequently protecting you from the fluctuations in currency rates. A monthly statement is issued; however, imaged cheques are not included.

Fees:

Tiered interest rate (paid in US dollars)

• Interest is calculated on daily closing balance and paid monthly
• $10.50 monthly fee (unlimited pre-authorized debits, cheques)
• No fee for Travellers’ Cheques