UNI NSF and monthly fees
UNI Financial Cooperation's personal user fee guide, effective 19 January 2026, prints a $10.00 NSF fee for an NSF cheque or a preauthorized payment. Note 14 says only one of those fees is charged per operating account in each 48 hour business period. Monthly plans on the same guide run from $3.95 to $29.95. The wider table is Canada NSF fees by bank. The Canada list is Canada bank fee guides. Every overdraft guide is on overdraft fee guides.
Last updated: October 22, 2026
Last checked: Oct 2026
What the January 2026 guide prints
Opened 22 October 2026. The dollars are on UNI's personal user fee guide, effective 19 January 2026. Insufficient funds, for an NSF cheque or a preauthorized payment, is $10.00. Note 14 says only one fee per operating account is charged for each 48 hour business period. A paper account statement is $2.30 on the plans that charge it, and $0.00 on The Basic. A virtual statement is $0.00. An outgoing wire is $20.00, plus $10.00 for a priority option and plus $10.00 for a postdated option. An Interac ATM is $1.50. Plus or Cirrus in North America is $3.00. Plus, Cirrus, or another network outside North America is $5.00.
The Basic plan is $3.95 a month and includes 12 transactions. The Intermediate plan is $11.95 a month and includes 30 transactions, with no base rate when a minimum monthly balance of $3,000 is kept all month. The Unlimited plan is $16.95 a month, with no base rate at $4,000. The Unlimited Plus plan is $29.95 a month, with no base rate at $6,000. People 59 and over get a $4 monthly discount on the flat rate of the plans that are available. A fee for a transaction past the included count is $1.25 on The Basic and The Intermediate for a counter withdrawal, a cheque, an automated transaction, or a preauthorized payment. A bill payment at the counter is $2.25.
UNI is a caisse. The $10.00 and the 48 hour rule on this page are the ones in its own guide. A federal bank's NSF rule is a different document, on what a Canadian NSF fee is. A fee already charged is a request. UNI can say no.
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 UNI prints |
|---|---|
| NSF cheque or preauthorized payment | $10.00 |
| How often that NSF fee posts | One per operating account in a 48 hour business period |
| The Basic | $3.95 a month, 12 transactions |
| The Intermediate | $11.95 a month, or $0 at a $3,000 balance |
| The Unlimited | $16.95 a month, or $0 at a $4,000 balance |
| The Unlimited Plus | $29.95 a month, or $0 at a $6,000 balance |
Questions
- How much is a UNI NSF fee?
- The personal user fee guide effective 19 January 2026 prints $10.00 for an NSF cheque or a preauthorized payment.
- Can UNI charge that NSF fee more than once in two days?
- Note 14 says only one fee per operating account is charged for each 48 hour business period.
- How much is a UNI monthly plan?
- The same guide prints $3.95 for The Basic, $11.95 for The Intermediate, $16.95 for The Unlimited, and $29.95 for The Unlimited Plus. The last three can be $0 in a month when the printed minimum balance is kept all month.
Sources
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