Kootenay returned item is C$40
By Karla CastroUpdated October 29, 2026
Kootenay Savings Credit Union prints a personal banking fees brochure marked APR 2026. A returned item is C$40. Coverdraft is C$2. An overdrawn account is C$5. Plus chequing is C$10 a month, free when the minimum monthly balance is C$4,000. The wider table is Canada NSF fees by bank.
Monthly fee by account
Opened 29 October 2026. Amounts below are Canadian dollars. The April 2026 brochure prints Lite with 1 debit transaction included and no monthly fee. Plus is C$10 a month for 50 debit transactions, free when the minimum monthly balance is C$4,000. Premium is C$16 a month with unlimited debit transactions. Senior, for members over 60, has 50 debit transactions and no monthly fee. Start, for members under 25, has unlimited debit transactions and no monthly fee. Summit Savings has 1 free withdrawal or transfer and no monthly fee. The U.S. dollar account has no monthly fee and is pay per debit.
A debit transaction includes a cheque, a debit card purchase, an in branch transfer, an in branch bill payment, an in branch withdrawal, an Interac e-Transfer, a Kootenay Savings or Canadian credit union ATM withdrawal, and a preauthorized withdrawal. Extra debit transactions are C$1 when the monthly limit is exceeded. 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 brochure includes |
|---|---|---|
| Lite | No monthly fee | 1 debit transaction included |
| Plus | C$10 | 50 debit transactions. Free at a C$4,000 minimum monthly balance |
| Premium | C$16 | Unlimited debit transactions |
| Senior | No monthly fee | Members over 60. 50 debit transactions |
| Start | No monthly fee | Members under 25. Unlimited debit transactions |
NSF, ATM, and other fees
Coverdraft is C$2. An overdrawn account is C$5. A returned item is C$40. A rejected preauthorized payment or clearing item is C$10. This credit union is provincial. This page quotes its own schedule. It does not replace that schedule with the federal bank NSF cap.
An international ATM withdrawal is C$5. The brochure does not print a separate dollar for an ATM in Canada that is not a credit union ATM. Those Canadian credit union withdrawals count as debit transactions. A stop payment is C$15 an item. A paper statement is C$3. An incoming wire is cost plus C$10. An outgoing wire is cost plus C$23. The monthly list is Canada monthly chequing 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 a Kootenay Savings returned item?
- The April 2026 brochure prints C$40. Coverdraft is C$2. An overdrawn account is C$5.
- How much is Kootenay Plus?
- Plus is C$10 a month for 50 debit transactions. It is free when the minimum monthly balance is C$4,000.
- How much is a Kootenay Savings ATM withdrawal?
- An international ATM withdrawal is C$5. A withdrawal at a Kootenay Savings or Canadian credit union ATM counts as a debit transaction. Extra debits are C$1 after the monthly limit.