Basic Package
Chequing account package that is simplified and inexpensive, available to personal memberships.

$3.95/month.

Account features:

1. 12 debits including, POS, cheque clearing, and pre-authorized debits, electronic bill payment
2. Electronic statement only (CU@HOME)
3. Non interest bearing
4. All other ATM withdrawal fees apply
5. Standard charges apply over and above limits
6. 1 free debit (including over the counter) per electronic deposit
7. Over the counter bill payment $1.00
8. Over the counter withdrawals $1.00

e-plan Package
Our e-plan package allows members to purchase goods and services from the funds in their chequing account, while earning interest at a competitive rate, based on the closing daily balance and paid monthly.

Members can choose from a variety of personalized cheques, printed at their own expense.

$9.95/month include:

1. 40 debits including POS, cheque clearing and MB CU ATM withdrawals, and electronic bill payment
2. Electronic statement only (CU@HOME)
3. 1 free debit per electronic deposit
4. Over the counter withdrawals $1.00
5. Over the counter bill payment $1.00
6. $5.00 off Safety Deposit Box rental
7. No fee travellers cheques

Premium Package
Our Premium Package offers unlimited POS, MB CU ATM withdrawal, cheque withdrawals and in branch withdrawals.

Each month with the Premium Package you will receive a monthly statement along with each month's cheque images.

$16.95 per month

Account features:

1. $12.00 off Safety Deposit Box Rental
2. Free in-house cheque order (Max 200/year)
3. Unlimited POS, MB CU ATM withdrawal, cheque withdrawals and in branch withdrawals.
4. Interest bearing on balance over $500.00
5. Over the counter bill payment $1.00
6. No fee travelers cheques

U.S. Business and Personal Chequing Account
Service Charges:

Account debits and withdrawals $0.55

Account Features:

1. Interest bearing account
2. Each month you will receive a monthly statement along with each month’s cheque images.

Golden Chequing Account
60 + years of age

Account Features:

1. No service charges for issuing cheques
2. $5.00 off Safety Deposit Box
3. Free in-house cheque order (Max 200/year)
4. Over the counter bill payment $0.50

Investment Savings Account

1. Minimum balance $10,000.00 receive high interest rate.
2. Balances under $10,000.00 receive plan 24 rate
3. One free debit per month
4. Other withdrawals $2.00/transaction
5. No ATM access (Should be able to transfer with CU@HOME)
6. Interest calculated daily, paid monthly

Headstart Chequing Account
For students 13-18 years old

Membercard for ATM access, with a parent as an indemnitor.

Account Features:

1. Chequing account. Cheque clearing $0.55
2. Interest calculated on daily closing balance paid monthly
3. Credit Union will pay share
4. Debit transaction $0.25/transaction
5. Home ATM deposits and withdrawals free
6. Non Credit Union ATM withdrawal (MB) $1.50
7. ATM withdrawal-North America $1.50
8. ATM withdrawal-Outside North America $4.00
9. MB CU ATM withdrawal $0.45

Fat Cat Savings Account
The Fat Cat Account is designed to encourage children from the ages of 5-12 years old to save money. The share is paid by the Community Credit Union. There are prizes (incentives) for deposits made. Birthday cards are sent out yearly.

Account Features:

1. Bonus Interest is calculated daily and paid monthly.
2. No service fees.

Term Deposits
Designed for members who wish to earn a higher rate of interest for a specific time period. The funds are locked at a set rate for the chosen rate.

Account Features:

1. Term options rate range from 30 days – 5 years.
2. Interest is paid at maturity for terms under one year, and annually for terms over one year. Competitive rates.

Night Depository
Due to the pressures of running a business, it may be difficult to make deposits during business hours. We offer a night depository for our member’s convenience.

Business members can request lockable night deposit bags for added safety for no extra charge.

Deposits can be made at any branch after hours by dropping the bags into the night deposit slot at their branch. All night deposits are processed the following morning by staff.

Please contact one of our branches if you are interested in this service.

CAFT (Customer Automated Funds Transfer)
CAFT is a service for business members wanting to create and deliver preauthorized debits and direct deposit transactions to employees, customers, suppliers and other accounts at Credit Unions and financial institutions in Canada.

Payroll
We offer payroll services at our Grunthal branch. This is a quick, easy, and inexpensive alternative for our business members.

We provide pay stubs and direct deposit for the employees. All information needed to make remittances is provided in an easy to read format.

Our fee schedule is as follows:

One time set-up fee	$30.00 total
Payroll runs	$5.00 per employee with CCU membership
Record of Employment	$5.00 per employee
T4’s	$5.00 per employee

If you prefer to do the payroll calculations, we also offer a direct deposit service for our members (CAFT). The net payroll amounts are provided, which we transfer from the employer’s account to the employee’s account. This is a great option for employees who cannot get to their financial institution on payday, as in the trucking industry.

Please contact us for more information or to sign up for this great service at grunthal@community.mb.ca