Personal Accounts
How many point of sale transactions can you make without incurring a fee in Canada with the Free Chq
Unlimited
What is the one small fee on a the business account one small fee and the rest is free?
$38/month unlimited transactions
What is the CCS telephone banking phone number?
604-517-7000
Where do you update your personal information such as address change?
Mypayroll portal
How are membership shares?
$5 each
What is the safety box benefit for having a classic account?
$10 off annual fee
Explain the Deposit for free account.
Unlimited deposits, $6/monthly fee and each transaction (withdrawals/bill payments/chq clearing/pre authorized payments) are $1 each.
List the hours for each dept.
Banking/Business/Wealth/Lending
BANKING
Monday to Saturday, 8 AM to 8 PM and Sunday 9AM-5:30PM
LENDING CENTRE
Monday to Friday 8AM-8PM and Saturday 8AM-6PM | Closed Sunday's, Statutory Weekends (Saturday -Monday)
INVESTMENT SERVICES
Monday to Friday 8AM-8PM and Saturday 8AM-5PM | Closed Sunday and Statutory Weekends (Saturday - Monday)
BUSINESS BANKING
Monday to Friday 8AM-5:30PM | Closed Stats
What is the staff benefit on term deposits?
Additional 25 bps on non promotional terms
Members must have membership share per membership with CCS, true or false?
False $5 membership share is only per profile.
What is the fee for having a prestige account and list two ways to have this fee waived?
$21/month, waived for staff and minimum balance of $5k
What is a business depository card?
Allows non signers to make deposits at the business drop atms without having any access to the account.
Can a member place a stop payment online?
Yes only for cheques not for pre authorized payments.
Explain the staff visa benefit.
50% off the annual fee for Modulo GOLD($25.00 value) OR
• 50% off the annual fee for Odyssey ($55.00 value) OR
• 50% off the annual fee for Visa Platinum card ($84.50 value) OR
• Free 1% BONUSDOLLARS option on the Classic or Elegance GOLD Card ($30.00 value) OR
• Free low interest rate option on the Classic or Elegance GOLD Card ($30.00 value)
What are the ID requirements for opening a new account?
Staff must ask applicants to provide 2 pieces of ID in which at least one piece must be Government Issued Photo ID. Obtain ID as follows:
Explain how fees are calculated on the US account and the minimum balance to have these waived?
Minimum balance is $1000 USD, withdrawals/transfers in branch/AC $1 USD, chq clearing $1 USD, preauthorized payments $1 USD.
How many business depository cards can each business have?
Can a member update their ATM card status online if they lost their atm card?
Yes they can cancel the atm card or block (if they just need time to look for it) the card online themselves.
What is the annual authorized staff limit for using the USD staff discount?
Staff may purchase and/or sell up to a maximum of $50,000 USD in one or more transactions per calendar year (Jan 1 to Dec 31) at the mid-rate (the rate that falls halfway between the normal customer buy and sell rate).
What is the minimum age to open a sole account at CCS?
12 years old, must meet the ID requirements
Explain how fees are calculated on a HISA and how to avoid these?
2 free transaction a month, $5 thereafter. Transfer funds online to a chq account prior to making a withdrawal to avoid these fees.
Explain the High Interest Business Savings Account.
No monthly fee, deposits are free, $5 for any other transaction.
For telephone banking if you have multiple chq or savings accounts what number do you need?
The 3 digit sub number.
Explain the staff mortgage discount.
1.25% off fixed rates and 2% off the variable rates. Cannot exceed less than half the rate.
Explain the Junior membership requirements.
6 to 11 years old, must be joint with parent/guardian. The junior must be asked to provide government issued photo identification, however if they do not have any photo ID, the junior member must provide at least 1 piece of non-photo ID from Schedule A above (non-photo ID must not be from Schedule B).