Synergy Credit Union NSF fee
Synergy Credit Union in Saskatchewan prints $45.00 for an NSF cheque on its account service pricing sheet, updated 30 June 2025, with current prices effective 15 November 2022. An overdraft over-limit fee is $5.00 each. Monthly package dollars are not on this sheet, so they are not confirmed here. Synergy is a provincial credit union, so this is its own sheet, not the federal $10 cap. The wider table is Canada NSF fees by bank. Every overdraft guide is on overdraft fee guides. A yearly total from numbers you type is on the bank fee calculator. It does not look up this institution.
Last updated: October 22, 2026
Last checked: Oct 2026
What the June 2025 sheet prints
Opened 22 October 2026. The dollars are on Synergy's account pack related service pricing. The last line says current prices are effective 15 November 2022 and that the sheet was updated 30 June 2025. An NSF cheque, when funds are not available to cover the cheque, is $45.00. The row is a cheque. It does not say the same dollar applies to every debit. A chargeback item is $7.50. A chargeback for a rejected or non-MICR encoded cheque, or for incorrect AFT or EFT encoding, is also $7.50. Those are different rows from the NSF cheque.
An automatic transfer to cover funds, if it was set up before, prints no charge. The row uses the words coverdraft or overdraft. An overdraft over-limit fee is $5.00 each. The sheet prints an overdraft interest rate and does not say that rate is yearly, so this page does not quote the number. Check with Synergy for the rate. A stop payment on a cheque is $20.00. A stop payment with full details and a signature is $20.00. An incoming wire is $20.00. An outgoing wire in Canadian or US funds to a Canadian institution is $30.00. The same funds to a US institution are $35.00. An outgoing wire to a foreign institution is $50.00. An Interac e-Transfer sent from SmartPack, PowerPack, Preferred, Community Pack, and CHQ Group accounts prints no charge. The same transfer from LitePack or a savings account is $1.50. Receiving one prints no charge. A paper statement is $2.50. An inactive account, after more than a year, is a $50.00 set-up and then $25.00 per year.
Monthly chequing package prices are not on this service pricing sheet. Check with Synergy. Last opened 22 October 2026, they were not confirmed from another Synergy page. The $45.00 cheque row is not the federal $10 limit. That limit is on what a Canadian NSF fee is. A fee already charged is a request. Synergy 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 sheet prints |
|---|---|
| NSF cheque | $45.00 |
| Overdraft over-limit fee | $5.00 each |
| Overdraft interest rate | Printed without a yearly label, so not quoted here |
| Automatic transfer, if already set up | No charge |
| Interac e-Transfer sent, LitePack or savings | $1.50 |
| Monthly package fee | Not on this sheet. Check with Synergy. Last opened 22 October 2026 |
Questions
- How much is a Synergy NSF fee?
- The service pricing sheet prints $45.00 for an NSF cheque when funds are not available to cover the cheque. It does not print that dollar for every kind of payment. Current prices are effective 15 November 2022, and the sheet was updated 30 June 2025.
- What does Synergy charge when an overdraft goes over the limit?
- The overdraft over-limit fee is $5.00 each. The sheet prints an interest rate and does not say it is yearly, so this page does not quote that number. Check with Synergy. An automatic transfer that was already set up prints no charge.
- What is the Synergy monthly account fee?
- Monthly package dollars are not on this service pricing sheet. Check with Synergy Credit Union. Last opened 22 October 2026, they were not confirmed.
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.