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Service Charges and Fees

Effective January 1, 2023

Select service fees have changed effective January 1, 2023. Please see below for more information.


Wire Transfer Service Charges

Incoming Wire Transfers

CAD Funds $15 CAD
USD Funds $15 USD


Outgoing Wire Transfers

(CAD, USD, Foreign Currency)

  Current Fee Fee Effective January 1, 2023
Up to $9,999 $35* $45*
$10,000 - $49,999 $45* No change
Over $50,000 $55* $45*

*Fees will be charged in applicable CAD/USD currency.


General Service Charges

  Current Fee Fee Effective January 1, 2023
Simple Package $7 /month $9 /month
Smart Package $10 /month $11 /month
Ultimate Package $13 /month $15 /month
Overlimit Transaction Fee $1 each $1.25 each
Account closed within 90 days of opening $25  
canadian credit union and EXCHANGE® atm withdrawals Free  
interac® or Desjardins atm withdrawals in canada $2  
us and international atm withdrawals



business deposit book for non-business accounts (plus gst) $5  
canadian cheque in us funds $15 $20
cheque cashing for non-members (excludes federal and provincial government cheques) $5  
cheque printing $3 /sheet  
collection items received $20 + draft fee  
collection items sent $20 + draft fee + bank fee if applicable  
dormant account admin (up to 10 years) $5 /month  
dormant account admin (over 10 years) $100  
Drafts (No charge for CAD/USD drafts for Horizon, Smart and Ultimate packages)   $10  
phone request to transfer funds or cover overdraft $5  
me-to-me transfers (sent) $1.50  
me-to-me transfers (received) No charge  
item search (within 90 days) $5  
item search (past 90 days)

$30 /hour

$15 minimum



Other Service Charges

membership replacement card First card free each year, then $5 each.
Overdraft $5 /item and interest
charge back (personal & business) $7
non-sufficient funds (NSF) $48
non-nsf returned item $5
transfer rrsp, tfsa, RESP or rrif to another institution $100
stop payment set up in branch $15
stop payment set up on MemberDirect® Banking $15

MEMBERCARD® and Design are registered certification marks owned by Credit Union Central of Canada, used under license.


Safety Deposit Box Annual Fee (plus GST)

Current FeeFee Effective January 1, 2023
Small (1.5X5)$45$55
medium (2.5X5, 3.25X5)$65$75
LARGE (2.5X10, 5X5)$90$125
COIN (5X10)$150$200
EXTRA LARGE (10X10)$250$300
DRILLING BOXAt cost, $200 minimum$300
Replace KeyAt cost, $20 minimumNo change

$10 discount on annual fee for Horizon, Smart and Ultimate Packages.


Lending Service Charge Items

  Current Fee Fee Effective January 1, 2023.
blend & extend mortgage fee $200  
construction mortgage

$750 if mortgage is less than $500,000

$1,000 if mortgage is greater than $500,000


Construction Mortgage Extension Fee



Loan Re-Documentation 



landcor Search Fee



Property Tax Search



Title Search Fee



letter of credit application or annual renewal fee $100 fee or 1% of principal, whichever is greater  
letter of interest paid $20 $25
lien searches



theworks OR CREDITMASTER (MULTI-LOAN MORTGAGES) NEW ADVANCE; INCLUDING LOC APPLICATIONS $100 fee for new advances of $50,000 or less  
delinquent loan/loc nsf fee $48  
short term loan fee (under 6 months, interim financing) 1/2 of 1% ($25 min)  
discharges - includes preparation and execution of documents $75  
personal property registration $25 and $5 /year  
personal property changes to registration $25  
searches - member request $35  
release of personal covenant $75  
suspension or alteration of loan payments/terms $25  


Notice of Service Charge Increases

Members will be informed of service charge increases either in writing 30 days in advance, or by posted notice at least 60 days in advance.

Complaint Procedure

Service charge complaints that have not been satisfactorily resolved by Interior Savings staff should be referred to your Branch Manager or in their absence, the Senior Vice President and Chief Operations Officer at:

Interior Savings Credit Union
Suite 300, 678 Bernard Avenue
Kelowna, BC V1Y 6P3

Telephone (250) 869-8200
or Email Us