Cornerstone Credit Union

SERVICE PACKAGES

CU PLAN

This low fee service plan gives you the privileges and benefits of an interest-bearing chequing account and free access to our MemberDirect® and TeleService® home banking services. Maintain a minimum monthly balance of $1,500 and we will refund your monthly package fee.

Features:

Monthly fee of $5
No charge deposits
15 free transactions per month (flat fee of $0.55 per transaction above allowable limit)
MemberCard and Direct Payment Card and free access to home banking services.
Optional - MasterCard Global Payment Card® with a $12 credit for Choice Rewards® OR we will waive the first annual fee for Low Fee Choice Rewards MasterCard Credit Card® (value $12).

DIRECT ACCESS PLAN

Created for the Internet savvy member, the Direct Access Plan will give you all the services Cornerstone Credit Union has to offer, directly from your home or office. You will save money by doing all your banking on-line.

Features:

Monthly fee of $5.
No charge electronic deposits.
35 free electronic and ABM transactions (flat fee of $0.50 per transaction above allowable limit).
Carry a minimum monthly balance of $1,500 and receive a refund of your monthly package fee.
Free access to MemberDirect® and TeleService® home banking services.
Optional - we'll waive the first annual fee for Low Fee Choice Rewards MasterCard Credit Card® (value $12) OR MasterCard Global Payment Card® with a $12 credit for Choice Rewards®.

TOTAL SERVICE PLAN

This plan saves you money and simplifies your monthly bookkeeping by charging you one fee per month. This service fee plan combines the core products of chequing with a MasterCard Global Payment Card® no charge Choice Rewards®

Features:

Monthly interest-bearing fee of $11.
No charge for deposits.
50 free transactions (flat fee of $0.55 per transaction above allowable limit).
Carry a minimum monthly balance of $3,500 and we'll refund your monthly package fee.
Free access to MemberDirect® and TeleService® home banking services.
Free overdraft protection (OAC), minimum $500 (regular interest charges apply).
MasterCard Global Payment Card® with no charge Choice Rewards™ OR MasterCard Credit Card® with no charge Choice Rewards® (value of $24 per year).
Free Cdn official cheques, Cdn travelers cheques and Cdn money orders.

PREMIUM SERVICE PLAN

This package adds to the Total Service Plan by offering members a Gold MasterCard Global Payment Card™ or Gold MasterCard Credit Card™ with Choice Rewards® and a host of added benefits for a monthly fee of $25.00. Members must qualify for a minimum $5,000 line of credit.

Features:

Unlimited free transactions (except Interac).
No charge all-in-one monthly statements with cheque images.
Carry a minimum monthly balance of $10,000 and receive a refund of your monthly package fee.
Free access to MemberDirect® and TeleService® home banking services.
No charge Gold MasterCard Global Payment Card with Choice Rewards™, minimum $5,000 LOC (OAC) OR No Charge Gold MasterCard Credit Card® with Choice Rewards® minimum $5,000 LOC (OAC).
Free certified cheques, stop payments, Cdn travelers cheques, Cdn money orders, Cdn official cheques, small safety deposit box and access to Credit Union inter-provincial and international ABM's.

HERITAGE 60

Members aged 60 and over can enjoy no monthly service plan fee and the following benefits:

Features:

Free deposit transactions.
25 free debit transactions.
Carry a minimum monthly balance of $1,500 and receive all your debit transactions free.
No charge for Cdn travelers cheques, utility bills and credit card payments.
$5 discount on safety deposit box rental.

A Heritage 60 Preferred Service Card is automatically mailed to members during the month in which they turn 60. Also if the spouse of a Heritage 60 member is under 60 he/she will also benefit under a joint membership. New members aged 60 and over will receive a Heritage 60 Card when the membership is opened.

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® Interac® is a trademark of Interac Inc, authorized user of the mark.
® Cirrus® is a registered trademark owned by Cirrus System Inc., used under license.
® MasterCard® is a registered trademark owned by MasterCard International and is used under license.
™ Global Payment ™ and Choice Rewards® are trademarks of CU Electronic Transaction Services and are used under license.