Interior Savings NSF fee is C$45
Interior Savings prints a service charge page effective 1 February 2025. NSF is C$45. Overdraft is C$5 per item plus interest. The interest percent is not on that table. The wider list is Canada NSF fees by bank.
Last updated: October 27, 2026
Last checked: Oct 2026
Monthly fee by account
Opened 27 October 2026. Amounts below are Canadian dollars unless a line says USD. The service charges page is effective 1 February 2025. Essentials is C$0. Everyday is C$4.95. Unlimited is C$9.95. A personal overlimit transaction is C$1 each. Closing a membership within 90 days of opening is C$25. This is a provincial credit union in British Columbia. The federal C$10 NSF cap for personal deposit accounts at federally regulated banks is a different rule. Print the schedule, not the federal cap.
The reading guide is Canada bank fee guides. 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.
| Account | Monthly charge | What the same page also prints |
|---|---|---|
| Essentials | C$0 | Personal overlimit transaction C$1 each |
| Everyday | C$4.95 | Same overlimit line |
| Unlimited | C$9.95 | Same overlimit line |
NSF, overdraft, ATM, and wires
Non-sufficient funds is C$45. A non-NSF returned item is C$5. Overdraft is C$5 per item and interest. The service charge page does not print the interest percent. A separate [Beem banking page](${INTERIOR_BEEM}) says overdraft excess rates change from 18% to 21% after 23 June 2025 for members who overdraw or go over a credit limit. Use the page that matches the account you have. A phone request to transfer funds or cover an overdraft is C$5.
Canadian credit union and EXCHANGE ATM withdrawals are free. An Interac or Desjardins ATM withdrawal in Canada is C$2. The US and international ATM row does not print a dollar. A draft is C$10. Dormant account admin is C$5 a month for up to 10 years, and C$100 after 10 years. An incoming wire is C$25 for CAD funds, $30 USD for USD funds, and C$25 for other countries. The other countries row has an asterisk. An outgoing wire is C$50, also with an asterisk. The page says those fees are charged in the applicable CAD or USD currency. A stop payment set up in a branch or in MemberDirect banking is C$15. The first replacement card each year is free, then C$10. The monthly list is monthly chequing account fees by bank. A yearly total from numbers you type is on the bank fee calculator. It does not look up this institution.
Questions
- How much is an Interior Savings NSF fee?
- The service charge page effective 1 February 2025 prints C$45 for non-sufficient funds and C$5 for a non-NSF returned item. This provincial credit union page is not the federal C$10 personal NSF cap.
- How much is Interior Savings overdraft?
- The service charge page prints C$5 per item plus interest, and it does not print the interest percent. The Beem page says overdraft excess rates change from 18% to 21% after 23 June 2025.
- How much is an Interior Savings ATM withdrawal outside Canada?
- The US and international ATM row does not print a dollar. An Interac or Desjardins ATM withdrawal in Canada is C$2. Canadian credit union and EXCHANGE ATM withdrawals are free.