PenFinancial NSF and monthly fees
PenFinancial Credit Union's service fee brochure, effective 1 June 2025, prints NSF Items at $47.50. An unauthorized overdraft fine is $6.00 on a different row. Monthly chequing fees on the same brochure run from no monthly fee to $20.00. PenFinancial is a provincial credit union, so this is its own schedule, not the federal cap. The wider table is Canada NSF fees by bank. Every overdraft guide is on overdraft fee guides.
Last updated: October 22, 2026
Last checked: Oct 2026
What the June 2025 brochure prints
Opened 22 October 2026. The dollars are on PenFinancial's service fee brochure, effective 1 June 2025, file version v.20260909.0009. NSF Items are $47.50. Overdraft protection is no fee if it is not used, or $2.50 a month plus interest. An unauthorized overdraft fine is $6.00. A paper statement is $2.50. An e-statement is free. A stop payment is $20.00. An Interac e-Transfer is $1.50, rebated at month end when the package says so. An ATM at another financial institution is $1.75. An international ATM is $5.00. An outgoing wire is $30.00 up to $20,000, $60.00 from $20,001 to $50,000, and $100.00 above $50,000. An incoming wire is $25.00.
Pay As You Go has no monthly fee. Preferred is $7.00 a month. Unlimited is $20.00 a month, waived when a $5,000 minimum monthly balance is kept all month. Student, for age 25 and under, has no monthly fee. Senior Classic, for age 60 and over, is $3.00 a month, waived at $2,500. Senior Unlimited is $10.00 a month, waived at $5,000. In-branch bill payments are $1.85. The brochure says account fees can change.
The $47.50 NSF line is the one this brochure prints. The federal $10 limit for a personal deposit account at a federally regulated bank is on what a Canadian NSF fee is. Do not copy that limit onto this row. A fee already charged is a request. PenFinancial can say no. The Canada list 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.
| Line | What the brochure prints |
|---|---|
| NSF items | $47.50 |
| Unauthorized overdraft fine | $6.00 |
| Overdraft protection | No fee if unused, or $2.50 a month plus interest |
| Pay As You Go | No monthly fee |
| Preferred | $7.00 a month |
| Unlimited | $20.00 a month, waived at $5,000 |
Questions
- How much is a PenFinancial NSF fee?
- The service fee brochure effective 1 June 2025 prints NSF Items at $47.50.
- Is the PenFinancial NSF fee the federal $10 cap?
- No. PenFinancial is a provincial credit union. The brochure prints $47.50. The federal cap is a different rule for federally regulated institutions.
- How much is PenFinancial Unlimited chequing?
- The same brochure prints $20.00 a month, waived when a $5,000 minimum monthly balance is kept for the entire month.
Sources
Related guides
Most popular
Pro
$3.92 USD per month, billed yearly.
Sales tax, like GST or HST, is added at checkout where it applies.
- Unlimited statement uploads
- Spending by month
- Every bank fee, with tips for the call to your bank
- A spreadsheet of your charges
Cancel anytime.