TRANSACTION PLANS AND FINANCIAL SERVICE CHARGES

What type of user are you?

CLIENT INFORMATION

Service charges modification on January 1st, 2019

WHAT TYPE OF USER ARE YOU?

SAVE by choosing the plan that best meets your needs.

Do you use mobile, online, ATM or teller banking services? We have the plan for you!

For more details, see the complete guide to fees and services or contact your caisse.

Would you prefer to choose your own plan?

It's simple! You can use AccèsD online or on your MOBILE phone to modify or choose a plan. This feature suggests the best plan for you based on your transaction history.

Do you see a transaction on your account, but don’t know the meaning of the code? Find the description easily with the list of codes.

 

Select a plan

How it works

Log on to AccèsD and click Select a plan, under More options in the right-hand portion of the screen. Your account information will be displayed, including your current plan and number of transactions to date.

Click Change to get plan recommendations1 based on your transaction history. Click Select to select a plan, if appropriate.

The Select a plan function is also available on your mobile device.

Features

The Select a planfeature allows you to:

  • See which plan you currently have
  • Select a plan or change your current plan on your own and at no charge2.
  • Track the number of transactions you make each month to avoid going over the number of transactions included in your plan
  • Determine the most economical plan based on your transaction history (up to 3 months)3,4.


  1. Available only on AccèsD Internet.
  2. New plans go into effect at the beginning of the month following the change request.
  3. Plan recommendations are based on transaction of the last month(s). UNI cannot be held responsible if, on the basis of future activity, another plan should prove to be more economical.
  4. No recommendation can be made without at least one complete month's transaction history.
 

Transaction code definitions

This table lists the definitions of the 3-character code displayed on your ATM receipts, monthly statements of account or passbook.

Codes marked with an asterisk (*) and preceded with an "I" indicate an inter-Caisses transaction. Transactions with "Caisse" as the access method may either be automated or have been made manually at the caisse.

Code
Description
Access method
Personal
Business
ACC
Line of credit administration charge correction
Caisse
 
ADM
Service charges
Caisse
ATC*
ATM withdrawal correction
ATM
ATD*
ATM deposit
ATM
ATI
Payment of a bill registered in your file or money transfer to a VISA account
ATM
ATL
Display 10 most recent transactions
ATM
ATP*
ATM line of credit payment
ATM
 
ATQ*
Fast cash ATM withdrawal
ATM
ATT*
Transfer between accounts or money transfer at a UNI ATM /Money transfer from VISA cash advance
ATM
ATU
ATM passbook updating
ATM
 
ATW*
ATM withdrawal
ATM
AV
Loan disbursement
Caisse
BNU
BONUSDOLLARS rebate
Caisse
 
CAM
Account maintenance charges
Caisse
 
CAN
Purchase correction or refund correction cancellation
Direct payment
CC
Certified cheque
Caisse
CCB*
Bill payment at the counter (with fee)
Caisse
CCQ
Cheque
Caisse
CCR
Deposit through clearing
Caisse
CEQ
Merchant equipment rental charges
Direct payment
 
CFT
Funds transfer charges
AccèsD Affaires Internet
 
CGF
Business line of credit guarantee administration charges
Caisse
 
CGR
Merchandise return credit
Direct payment
CHG
Canadian exchange rate on foreign ATM transaction
ATM
CHQ
Cheque
Caisse
CIL
Capitalized interest on loan
Caisse
CLS
Closing of account
Caisse
CLX
Irregular loan or line of credit closing
Caisse
CMA
Business line of credit administration charges
Caisse
 
CNL
NSF loan charges
Caisse
 
CNS
NSF cheque charges
Caisse
COP
Loan or line of credit file - opening charges
Caisse
CR
Miscellaneous in-caisse deposit
Caisse
CRC*
Correction for in-caisse deposit
Caisse
CRL
Loan or line of credit renewal charges
Caisse
CRN
Returned cheque charges
Caisse
CSC
Complementary service charges
Caisse
CTX
Merchant transaction charges
Direct payment
 
DCC
Merchant credit card transaction deposit
Direct payment
 
DCH
Member dividends on administrative charges
Caisse
DDC
Direct deposit correction (no fee)
Direct payment
 
DEP*
Deposit at the counter with passbook
Caisse
DET
Deposit - Transfer from other institution
Caisse
DIC
Direct deposit correction
Caisse
DIR
Direct deposit
Caisse
DIV
Member dividends on social capital
Caisse
 
DPD
Merchant direct payment deposit
Direct payment
 
DMD
Mobile Deposit
AccèsD Mobile
DR
Miscellaneous in-caisse withdrawal
Caisse
DRC*
Correction for in-caisse withdrawal
Caisse
DTV
Deposit - Overdraft transfer from VISA
Caisse
DW
Direct withdrawal (preauthorized payment)
Caisse
DWC
Direct withdrawal correction
Caisse
DWT
Direct withdrawal - Transfer (e.g., investment)
Caisse
 
EDI
EDI payroll payment
AccèsD Affaires Internet
 
FIX
Fixed service charges
Caisse
FWD
Deposit carried forward
Caisse
GFC
Line of credit guarantee monitoring charge correction
Caisse
 
GST
Federal sales tax on merchant equipment rental
Direct payment
 
HS
Payroll deduction
Caisse
 
HSA
Payroll deduction
Caisse
 
HSC
Payroll deduction correction
Caisse
 
IDD
Direct deposit (no fee)
Direct payment
 
IFT
International funds transfer
AccèsD Affaires Internet
 
INC
Interest correction
Caisse
INT
Interest on Personal Chequing Account
Caisse
IPS
Interest on permanent shares
Caisse
 
LCD
Deposit from line of credit
Caisse
MEQ
Direct Deposit from the Ministère de l'éducation du Québec
Caisse
 
NBD*
Deposit at the counter without passbook
Caisse
NBW*
Withdrawal at the counter without passbook
Caisse
NCB*
Bill payment at the counter (no fee)
Caisse
ODC
Overdraft interest charges
Caisse
OLD
Direct deposit
Caisse
OPN
Opening of account
Caisse
PAP
Preauthorized purchase
Direct payment
PAW
Preauthorized withdrawal
Caisse
PMT
Loan payment at the counter
Caisse
 
PUR
Purchase
Direct payment
PWL
Purchase with withdrawal
Direct payment
RDS
Remote Deposit Scanner
Web Application
REB
Member dividends on savings and loans
Caisse
REC*
Principal payment on line of credit
(counter, ATM or AccèsD)
Caisse
 
RIC*
Principal and interest payment on line of credit (counter, ATM or AccèsD)
Caisse
 
RRC
Principal and interest payment in arrears
Caisse
RTN
Returned cheque
Caisse
SAL*
Salary
Caisse
 
SAT
Shared ATM transfer
ATM
 
SCD
ATM withdrawal (ATM of another institution)
ATM
SCH
Special cheque from line of credit
Caisse
SEM
Multiproject Option service charges
Caisse
 
SER
User fees
Caisse
SHI
Interest on social capital
Caisse
SL
Direct deposit
Caisse
 
SLC
Direct deposit correction
Caisse
 
SSI
Interest on surplus shares
Caisse
SVI
Interest on Regular Savings Account
Caisse
TAL
Automatic loan or line of credit payment
Caisse
TAM
Transfer of matured term savings account
Caisse
TAP
Periodic transfer to or from term savings account
Caisse
TDI
Interest on term savings account
Caisse
TF
Transfer between folios (no fee)
Caisse
TFC*
Inter-Caisse or inter-institution transfer (with fee)
Caisse
TFF
Transfer between folios (with fee)
Caisse
TFI
Inter-Caisse or inter-institution transfer (no fee)
Caisse
TIC
Inter-currency transfer
AccèsD and AccèsD Affaires Internet
TMO*
Manual transfer at the counter
Caisse
TR
Automatic transfer within same folio
Caisse
TTP*
Transfer - Retirement products
Caisse
 
TTR*
Transfer between accounts in same folio at the counter
Caisse
UPD
Passbook updating
Caisse
 
UPI
Unpaid overdue interest
Caisse
WBT
Transfer to UNI folio from other institution
AccèsD Internet
 
WD*
Withdrawal at the counter with passbook
Caisse
WDT
Withdrawal - Money transfer to VISA card
AccèsD Internet
 
WGC
CAN-ACT government remittance
AccèsD Affaires Internet
 
WGT
GST-QST government remittance
AccèsD Affaires Internet
WIT
Transfer to or from Build-Up Savings Account
AccèsD Affaires Internet
 
WMT
Withdrawal - Money transfer to folio
Deposit - Money transfer
AccèsD Internet
 
WVD
Money transfer from VISA card
AccèsD Internet
 
WWB
Bill payment
AccèsD Internet
 
WWG
Government remittance
AccèsD Affaires Internet
 
WWP
Line of credit payment
AccèsD Internet
 
WWT
VISA transfer or cash advance
AccèsD Internet
 

For more information

Contact us
Make an appointment