YNCU account fees
Your Neighbourhood Credit Union's standard service fees PDF, effective July 2026, prints a $10.00 NSF item and a $5.75 Coverdraft transfer. Kawartha, also in Ontario, prints $45.00 on Kawartha account fees. The wider table is Canada NSF fees by bank. YNCU is a provincial credit union, so this is its own schedule, not the federal cap.
Last updated: October 22, 2026
Last checked: Oct 2026
What the July 2026 PDF prints
Opened 22 October 2026. The dollars are on YNCU's standard service fees PDF, effective July 2026. An NSF item, including EFTs, debits, and cheques, is $10.00. Coverdraft, a transfer between linked accounts, is $5.75 per transfer. An authorized overdraft is $5.75 per month if it is used. An unauthorized overdraft on a personal account is $5.75 per month. A business unauthorized overdraft is $5.75 per occurrence. A stop payment with full details, not including EFTs in online banking, is $15.00. An Interac ATM withdrawal in Canada is $2.00. Outside Canada it is $3.00. The Exchange network is Ding Free. An international point-of-sale transaction is 2.50% of the value. Email money is $1.50. An incoming Canadian wire is $11.50. An incoming US wire is $17.50. An outgoing wire is $35.00. A mailed statement is $2.50. An interim statement for the current month, printed in a branch, is $2.50. A late loan payment marked NSF is $50.00. That is a loan fee, not the $10.00 deposit NSF row.
Use the July 2026 PDF for these dollars. A fee already charged is a request. YNCU can say no. The PDF does not print a daily NSF cap, so this guide does not add one.
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 YNCU prints |
|---|---|
| NSF item | $10.00 |
| Coverdraft transfer | $5.75 per transfer |
| Unauthorized overdraft, personal | $5.75 per month |
| International point of sale | 2.50% |
| Outgoing wire | $35.00 |
| Mailed statement | $2.50 |
Questions
- How much is a YNCU NSF fee?
- The July 2026 PDF prints $10.00 for an NSF item, including EFTs, debits, and cheques. Coverdraft is $5.75 per transfer. An unauthorized personal overdraft is $5.75 per month.
- Is the $50 YNCU NSF line the same as the deposit NSF fee?
- No. Late loan payment (NSF) is $50.00. The deposit NSF item is $10.00. Do not use the loan row for a chequing payment that did not clear.
- Is YNCU's $10 the federal NSF cap?
- No. YNCU is an Ontario credit union and this row is its July 2026 PDF. The amount matches $10. The reason is the PDF, not a federal rule copied onto every credit union.
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