Business,
Agricultural &
Organization
Accounts
BUSINESS, AGRICULTURAL &
ORGANIZATION ACCOUNTS
CHEQUING ACCOUNT
$3.00
permonthFor every $500 of the minimum monthly balance amount, you receive one free transaction per month.
Fees apply to all other transactions.
BUSINESS 30
$16.25
permonthThe first 30 transactions of the month are included, electronic and in-branch.*
Fees apply to all other transactions.
BUSINESS 90
$44.25
permonthThe first 90 transactions of the month are included, electronic and in-branch.*
Fees apply to all other transactions.
BUSINESS 150
$64.25
permonthThe first 150 transactions of the month are included, electronic and in-branch.*
Fees apply to all other transactions.
ORGANIZATION
nomonthlyfeeAccount for non-profit organizations and small organizations. The first 10 transactions of the month are included, electronic and in-branch.*
Fees apply to all other transactions.
U.S. ACCOUNT
$1.50
permonthAccount 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
forfarmersThis 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. Service fees are subject to change without notice.
*
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•
DepositIn-Branch Transactions
•
Withdrawal•
Transfer•
Cheque•
DepositOnline 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.
TRANSACTION FEES -
BUSINESS, AGRICULTURAL &
ORGANIZATION ACCOUNTS
Electronic Transaction Fees
•
Electronic debit, Interac® debit, withdrawal at a Caisse Financial Group ATM, electronic billpayment, transfer (e-Caisse, Caisse Financial Group ATM)
•
Transaction at a Credit Union AccuLink® ATM$0.60
$0.75
In-Branch Transaction Fees
•
Cheque, withdrawal, transfer•
Deposit•
Bill payment$0.75 $0.75
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.
Deposits are guaranteed 100%
by the Deposit Guarantee
Corporation of Manitoba
which means that all your deposits,
principal and interest,
are guaranteed without limit.
SAVINGS ACCOUNT
PLAN 24 (P24)
nomonthlyfeeElectronic transfers via e-Caisse, Télé-Caisse, Caisse Financial Group ATMs and Credit Union AccuLink® ATMs are
free. Fees apply to all other transactions.
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)
nomonthlyfeeThe first transaction of the month is free, electronic or
in-branch.
Fees apply to all other transactions.
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 $0.75 $1.50•
Interac® debit (debit card) $0.75 n/a•
Electronic bill payment $0.75 $1.50•
Withdrawal at a Caisse Financial GroupATM $0.75 $1.50
•
Withdrawal at a Credit Union AccuLink®ATM $0.75 $1.50
•
Electronic transfer (e-Caisse, Télé-Caisse, Caisse Financial Group ATMsand Credit Union AccuLink® ATMs) free $1.50
In-Branch Transactions
•
Withdrawal, transfer $0.75 $1.50SERVICE FEES
The following service fees apply to all accounts, unless indicated otherwise.
aCCoUnt ClosInG
Account transferred to another financial
institution $ 30.00
Closed within 180 days of open date $ 15.00
Inactive account $ 30.00
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) $ 10.00 Certified Cheque (member) $ 6.00 Certified Cheque (non-member) $ 12.00 Cheque in US funds drawn on a Canadian
funds account $ 10.00
Cheque received on collection
(taken off proceeds) $ 20.00
Cheque sent on collection $ 10.00 Cheque with non-sufficient funds (NSF) $ 35.00 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) $ 10.00
Stop Payment $ 10.00
rrsp, tfsa & rrIf
Transfer out to another financial institution $ 75.00
Transfer to C Finance Free
safety DeposIt BoX
Annual Fee $ 30.00 to
$ 90.00 plus GST
Drilling As per invoice
Key Replacement As per invoice
statements
Account Statement - online via e-Caisse Free
Account Statement - paper via mail As per account
Cheque Images on CD $ 25.00
Photocopy of statement (archived) $ 2.00
per page
transfers
Automated Transfer to cover NSF cheque $ 1.50 Manual Transfer (member request by
telephone) $ 3.00
Telephone Wire (outgoing and incoming) Cost + $ 10.00
mIsCellaneoUs
Bank Confirmation $ 30.00
Fax $ 2.00
per page
Money Order $ 5.00
Night Deposit Bag (plastic only) Free
Photocopy $ 0.50
per page Search (account history, transactions, etc.) $ 40.00
Service fees in effect June 1st, 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 1st, 2015
Profit from belonging to your
community financial institution.
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 1937. 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.
