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GET STABILITY AND PEACE OF MIND WITH A COMPETITIVE MORTGAGE RATE!
4.59%
5-Year Fixed Simplicity Insured Mortgage
UNLOCK THE BENEFITS OF MORTGAGE CASHBACK
With a Synergy CU personal mortgage, you have the opportunity to receive up to $2,500 cashback* to help ease the burden of covering various expenses.
UNLEASH THE POTENTIAL OF YOUR PURCHASES
Get more out of your new credit card with up to 5,000 welcome points* upon activation and first purchase.
*Terms & conditions apply.
ClickSWITCH Q&A
ClickSWITCH removes the hassle of contacting all of your billers and depositors to inform them of your new account information. You input your payment and direct deposit information to our secure ClickSWITCH system, submit the switch and we’ll do the rest. You can monitor the progress and switch status in the “Status” column on your Dashboard.
Has a Synergy expert already signed you up for ClickSWITCH?
Go to ClickSWITCH to complete switches, check on the status of a switch, or request a new one.
Just meeting with an expert to help guide you through the process. Book an appointment online or a Member Contact Centre representative will be happy to make an appointment for you – just call 1-866-825-3301.
Has a Synergy expert already signed you up for ClickSWITCH?
Go to ClickSWITCH to complete switches, check on the status of a switch, or request a new one.
To get your switches started, you’ll need to gather all of your automatic payment and direct deposit information. A previous statement is a great source of information for the automatic payments and direct deposits tied to an account.
Once a company receives the form, automatic payment and direct deposit switches typically take 5 to 15 business days. Since the timeframe depends on the company receiving the switch request, it’s always a good idea to review your switch status page for the most current information regarding each switch and to continue monitoring your accounts.
Timing for each switch can vary depending on the type of payment or deposit, the biller or depositor and the method needed to switch the payment or deposit.
Timing for each switch can vary depending on the type of payment or deposit, the biller or depositor and the method needed to switch the payment or deposit.
We display the status for each automatic payment or direct deposit in the Status column on your Dashboard. If a switch shows as “Completed” there’s no need to contact the biller or depositor. For switches that are marked as “Mailed” for more than 15 business days, you may want to contact the biller or depositor to confirm the status and see if the company needs additional information.
Yes. ClickSWITCH uses the latest in online encryption protection to gather and store your switch information. Additionally, our facilities adhere to the highest industry standards with regard to the security of your personal information.
Account Related Fees
| Account closed or transferred to another institution | Cost of Manager's Trust Cheque |
| Bank confirmations, Certificate/Letters of Account balances or interest paid received, Reference Letter | $25.00 |
| Chargeback items | $7.50 |
| Notice of Change- providing vendor with correct account information | $25.00 |
| Cheque Images (online or on statement) | no charge |
| CD Statements or Images | Varies based on type. Contact us for details |
| Electronic statements (e-Statements) | no charge |
| Paper Statement - mailed monthly &/or occasionally printed in branch (records search fees will apply when multiple statements or requests are made frequently - see next line) |
Personal $2.50/statement
Business $4.00/statement
|
| Records search or Researching member's account information (microfiche, statement re-rendering, cheque images retrieval, chequebook update, etc.) |
$30.00/ hour
$15.00 minimum
|
| Inactive accounts (greater than 1 year; also includes unclaimed balances) | $50.00 set-up then $25.00 per year |
| Post-dated cheque deposited at ATM or held for deposit (excluding deferred grain cheques) | $6.50 |
| Screen history print (per page) | $2.00 |
| Transferring between accounts or receiving an account balance inquiry from the call centre (Member Contact Centre) |
$4.00 high volume usage |
| *NEW - Rework Free (due to member-initiated error) | $15.00 |
| Member Card debit card - New (initial card) | no charge |
| Member Card debit card - lost or stolen replacement | no charge |
| Member Card debit card - excessive replacements | $10.00 |
| Rush order for Member Card debit card/ Collabria Mastercard | $35.00 |
| INTERAC Flash removed from Member Card debit card | $35.00/ per renewal |
| Close Collabria MasterCard | $25.00 |
| Withdrawal from INTERAC ATM (Canadian banks) | $2.50 |
| ATM withdrawal surcharge (non-credit union cards) | $3.00 |
| Withdrawal from CIRRUS ATM (U.S. and International) | $4.00 |
| White label ATMs - Transaction traces | $30.00/hour $15.00 minimum |
| Coin counter machine usage or Coin orders (members) | no charge |
| Coin counter machine usage or Coin Orders (non-members) | 10% |
| Special order foreign currency - funds not held at the branch (Members only) | $9.00 (includes supplier costs) |
| Large cash orders for members or cash machines | $2.00 per $1,000 |
| Personalized cheques (through our provider D+H) | Varies based on style and quantity |
| Manager's trust cheque (guaranteed cheque) | $10.00 |
| Over the counter cheques (except for account openings) | $0.75 each |
| Cashing Synergy cheques for non-members (excluding federal and provincial government cheques) | $10.00 |
| NSF Cheque (funds not available to cover cheque) | $45.00 |
| Cheque drawn in US funds on Canadian account (or returned) | $20.00 |
| Chargeback due to rejected or non-micro encoded cheques or AFT/EFT incorrect encoding | $7.50 |
| Cheques received/sent on collection | $40.00 |
| Cheque verification |
$7.50 (local)
$12.50 (long distance)
|
| Cheque register, passbooks and deposit books - excessive | $1.00 each |
Business and agricultural lines of credit and Quick Loans, give you access to fast, convenient funds to cover your business need, from inventory and operating expenses to unplanned and unforeseen expenses. The Annual Revolving Credit Cost will be applied automatically to your current Business/ Ag Account Pack. This fixed cost is based on the combined value of your Business/ Ag Line of Credit and Quick Loan limits.
| Combined value of Business/ Ag Line of Credit and Quick Loan Limits | New Annual Revolving Credit Cost (Effective July 2022) |
New Annual Revolving Credit Cost with the PowerPack Rebate (Effective July 2022) |
| $10,000 or under | $50.00/yr + interest costs | Free |
| $10,001 to $50,000 | $150.00/yr + interest costs | Free |
| $50,001 to $100,000 | $250.00/yr + interest costs | $100.00/yr + interest costs |
| $100,001 to $250,000 | $350.00/yr + interest costs | $200.00/yr + interest costs |
| $250,001 to $500,000 | $500.00/yr + interest costs | $350.00/yr + interest costs |
| $500,001 to $1,000,000 | $1,000.00/yr + interest costs | $850.00/yr + interest costs |
| Online Banking | no charge |
| INTERAC e-Transfer - sent (SmartPack, PowerPack, Community Pack and CHQ Group Preferred accounts) | no charge |
| INTERAC e-Transfer - sent (LitePack, savings account) | $1.50 |
| INTERAC e-Transfer - received | no charge |
| Customer Automated Fund Transfer (CAFT) - Business setup and training | $100.00 |
| CAFT Pricing - Flat rate pricing based on usage (Member usage to be reviewed annually and processed monthly/annually) |
$5.00/month includes
15 transactions or less per year $10.00/month includes 30 transactions or less per year $15.00/month includes 75 transactions or less per year $25.00/month includes 150 transactions or less per year The above pricing is included at no additional cost to PowerPack Biz account holders. |
| CAFT Fee - Flat one time charge for other one time items such as rejects , recalls etc. | $10.00 |
| Commissioner of Oaths (Credit Union related) | no charge |
| Notary of the Public (Credit Union related) | no charge |
| Photocopies or faxes (Credit Union related) | no charge |
| Photocopies or faxes (non-Credit Union related) | $2.00 + GST (per page) |
| Rubber stamp (payee stamp) | First stamp no charge. Replacements at cost |
| Plastic card protectors | no charge |
| Corporate registries (Alberta) | $7.00 |
| Corporate registries (Saskatchewan) | $6.00 |
| Rentals - Community groups | no charge |
| Mail acknowledgement of mail or courier deposit | $1.00 |
| Collection of Property Tax | $150.00 |
| Annual Night Depository Services - Regular Rate | $30.00 + GST/year |
| Annual Night Depository Services - Community Groups | $10.00 + GST/year |
| Blue nylon bags - initial | no charge |
| Blue nylon bags - replacement | $10.00 each |
| 100 disposable bags | no charge |
| Each additional or lost night depository key | $10.00 each + GST |
Deposits are secured in a vault. On the next business day, they are opened, verified in dual custody and then deposited.
| Automatic transfer to cover funds in account - coverdraft or overdraft (if previously setup) | no charge |
| Overdraft over-limit fee (per item) | $5.00 each |
| Overdraft interest rate | 26% |
| Stop payment - full details and signed | $20.00 |
| Bill payment person-assisted (per bill) - excessive usage | $2.00 |
| Bill payment (non-member) | $5.00 |
| Bill payment - manual recall and traces | $25.00 |
| Garnishees/ third party demand - immediate settlement | $150.00 |
| Garnishees/ third party demand -delayed settlement | $50.00 |
| Pre-authorized set-up to or from another financial institution - one-time setup) | $25.00 |
| Wyth Financial: Internet cash concentration sweep services (setup) | $150.00 |
| Wyth Financial: Internet cash concentration sweep services (per transaction) | $2.50 each |
| Wyth Financial: Online banking auto-sweep services (set-up) | $150.00 |
| Wyth Financial: Online banking auto-sweep services (per transaction) | $2.50 each |
| Convera: All bank drafts (Canadian, U.S. and International) | $15.00 |
| Estate processing and administration | $150.00 |
| Estate planning/ Business or ag succession planning | no charge |
| Registered product balance transferred out to another financial institution (excluding transfers to our partners) | $100.00 ($50 non-registered) |
| Duplicate RSP official receipts/ T4 RIF/ T4 RSP | $15.00 each |
| RSP/ TFSA excess contribution refund | $25.00 |
| Mailbox rental | $10.00 + GST/ year |
| Safety deposit rental: 1.5 x 4 | $40.00 + GST/ year |
| Safety deposit rental: 1.5 x 5 | $40.00 + GST/ year |
| Safety deposit rental: 2.5 x 5 | $50.00 + GST/ year |
| Safety deposit rental: 2.5 x 10 | $90.00 + GST/ year |
| Safety deposit rental: 5 x 5 | $90.00 + GST/ year |
| Safety deposit rental: 5 x 10 | $140.00 + GST/ year |
| Safety deposit rental: 10 x 10 | $225.00 + GST/ year |
| Drill safety deposit box | Locksmith costs (min $150) + travel costs |
| Safety deposit box key replacement or not returned | $20.00 + GST |
A safe and secure place at the credit union to keep your important documents and small valuables:
- Boxes kept in fireproof vault.
- Dual custody access.
| Wire transfer: Incoming | $20.00 |
| Wire transfer: Outgoing CDN or US funds to Canadian financial institution (*change from $25 to $30) | $30.00 |
| Wire transfer: Outgoing CDN or US funds to US financial institution (*change from $30 to $35) | $35.00 |
| Wire transfer: Outgoing to foreign financial institution (see above for U.S. wire transfers) (*change from $40 to $50) | $50.00 |
| Wire Trace/ Amendments/ Recalls | $30.00 |
