DUCA personal chequing fees
DUCA Credit Union prints a personal fee PDF with an updated date of 4 August 2026. This page is the NSF, inactive, e-Transfer, ATM, and wire lines that are the same story across that file. Package monthly fees differ by column, so those stay on the PDF.
Last updated: October 21, 2026
Last checked: Oct 2026
Lines that do not change by column
Opened 21 October 2026. Source: DUCA personal account fees (PDF), updated 4 August 2026. Every personal chequing column prints a $10 NSF fee. The footnote says that line was updated 28 February 2026 and took effect 30 March 2026. The inactive account line is $30 after two years, on every chequing column. The additional services page prints that inactive fee as $30 per year.
An e-Transfer debit prints $1.25. Some columns include free sends (the PDF shows 3, 5, or 10 free on some packages). The count is the column for your package, not a single number for every member. An Interac ATM withdrawal is a different row from the e-Transfer. DUCA's own ATM is free. The Exchange, EXN, and Ontario regional networks are free. A Cirrus ATM in the US or internationally is $5.
The line on your own statement is the one that counts. Upload it on the upload page. The PDF stays on your device. Expenvo lists the lines. It does not call the institution.
| Line | What the PDF prints |
|---|---|
| NSF, personal chequing | $10. Effective 30 March 2026 |
| Inactive account | $30 after two years, and $30 per year on the additional services page |
| e-Transfer debit | $1.25, with free sends on some packages |
| Stop payment | $20. Updated 20 July 2026, effective 19 August 2026 |
| Close the account within 90 days | $25 |
| Overdraft protection | $2.50 per month |
| Canadian outgoing wire under $25,000 | $25 |
| Canadian incoming wire | $20. Updated 20 July 2026, effective 19 August 2026 |
| DUCA ATM | Free |
| Cirrus ATM, US or international | $5 |
Read the column before you quote a monthly fee
The chequing table has a monthly flat fee that is not the same on every package. Feel Free is for a member age 60 or older, one account, and that member has to be the primary holder. Aim for More is for ages 16 to 29, with the same primary-holder rule. Daylight No Fee, which is a different name from Daylight Chequing, is for ages 30 to 59. Use the column on the PDF for the package on your statement. This page does not turn one column into a fee for every DUCA account.
A higher Canadian outgoing wire is $50 from $25,001 to $50,000, $75 from $50,001 to $75,000, and $100 above $75,000. The PDF says a correspondent bank can take its own fee on a US dollar or euro wire, and that DUCA cannot tell you that amount before the wire is sent. Another Ontario credit union schedule is on FirstOntario account fees.
Questions
- What NSF fee does DUCA print?
- The personal fee PDF updated 4 August 2026 prints $10 on every personal chequing column. The footnote says that NSF line took effect 30 March 2026.
- What is DUCA's inactive account fee?
- The chequing table prints $30 after two years. The additional services page prints $30 per year for an inactive account charged after two years.
- Does DUCA charge for an e-Transfer?
- The e-Transfer debit row prints $1.25. Some packages include free sends. An Interac ATM withdrawal is a separate row and is not the e-Transfer price.
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