Service charges modifications on July 1 , 2020.

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.

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.

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