| PERSONAL |
|
|
|
| Everyday Banking
service package |
$11.95 |
|
Unlimited POS, deposits
and withdrawals at The Exchange Network of ATMs,
bill payments, online banking, telephone banking,
in-branch deposit and withdrawals, funds transfers,
stop payments, and certified cheques; plus 2
Interac ATM* withdrawals monthly and basic cheque
orders |
| Junior Firefighters |
FREE |
|
Non-Exchange Network charges
apply |
| Hot Teen account
|
FREE |
|
Non-Exchange Network charges
apply |
| Free and On
Fire |
FREE |
|
Non-Exchange Network charges
apply |
| Seniors |
FREE |
|
All chequing related activity
(except NSF charges); non-Exchange Network and
POS charges apply; minimum age 60 years |
| Account statements |
FREE |
|
|
| |
$2.00 |
|
Duplicates |
| Overdraft protection
|
FREE |
|
No monthly maintenance fee,
interest applies |
| Cheque order |
AT
COST |
|
For chequing accounts only
|
| Deposits |
FREE |
|
|
| Withdrawals
and cheques |
50¢ |
|
In excess of 2 each month
|
| Stop payments |
$5.00 |
|
With full cheque details
(includes corporate cheques) |
|
$10.00 |
|
Without full cheque details
(includes corporate cheques) |
| Certified cheques
|
$2.00 |
|
Presented by member |
|
$10.00 |
|
Presented by non-member |
| Corporate certified
cheques |
$5.00 |
|
Commercial and personal
accounts |
| Transfers |
FREE |
|
Member requested |
| |
$2.00 |
|
To cover NSF items |
| Corporate cheques
|
$1.00 |
|
Issued to third party |
| Account closures
|
FREE |
|
|
| Returned items
/ NSF |
$35.00 |
|
Items returned NSF, including
preauthorized items |
| Charged back
cheques |
$5.00 |
|
Third party cheque presented
by member |
| Record search |
$1.00 |
|
Per item for cheques less
than 3 months |
| |
$20.00 |
|
Per hour for cheques older
than 3 months, minimum 1 hour |
| COMMERCIAL |
|
|
|
| Deposits |
FREE |
|
|
| Debits |
50¢ |
|
|
| Account statements
|
FREE |
|
|
| |
$2.00 |
|
Duplicates |
| |
$10.00 |
|
Per year for previous years
|
| |
|
|
|
| The
Exchange Network ATMs |
FREE |
|
Deposits / withdrawals |
| All
other ATMs* |
$1.50 |
|
Canada |
| |
$2.00 |
|
US and International |
| POS
(Debit) |
50¢ |
|
Canada |
| Online
/ telephone banking |
FREE |
|
|
| Bill
payment |
FREE |
|
Online or by phone |
| Electronic
funds, debits and credits |
FREE |
|
|
| Automatic
transfers |
FREE |
|
|
| Direct
deposit |
FREE |
|
|
| Payroll
deduction |
FREE |
|
|
| Cheque
imaging |
FREE |
|
|
| Wire
transfers |
$15.00 |
|
Outgoing domestic |
| |
$25.00 |
|
Foreign |
| |
$5.00 |
|
Incoming |
| Electronic
item trace |
$10.00 |
|
|
| |
|
|
|
| +
MORTGAGES & EQUITY LINES |
| Appraisals |
FREE |
|
Maximum of $200 |
| Mortgage discharge
|
$100.00 |
|
Preparation |
| |
$100.00 |
|
Registration |
| Cancellation
fee |
$100.00 |
|
|
| Assignment of
transfer / moving mortgage |
$450.00 |
|
|
| Bridge financing
|
$100.00 |
|
Plus interest calculated
at the personal loan rate |
| EHOP (fraud
protection) |
$375.00 |
|
Property insurance |
| Equity lines
of credit |
$25.00 |
|
Renewals (every 5 years) |
| Legal fees and
First Canadian Title |
AT
COST |
|
|
| |
|
|
|
| +
MISCELLANEOUS |
| Foreign currency
exchange |
AT
COST |
|
|
| RRSP / RRIF
withdrawal |
FREE |
|
|
| RRSP / RRIF
transfers-out |
$50.00 |
|
|
| TFSA withdrawals |
$5.00 |
|
2 free each year |
| TFSA transfers-out |
$50.00 |
|
|
| Chattel registrations
|
$15.00 |
|
|
| Confirmation
letter of loan interest |
FREE |
|
|
| Personal banking
|
$10.00 |
|
Transactions delivered to
other financial institutions |
| Inactive accounts
|
$4.00 |
|
Annual statement charge
|
| Unclaimed balances
|
$100.00 |
|
No member generated activity
for more than one year |
| Post-dated items
|
FREE |
|
Held for deposit |
| Application
fees |
FREE |
|
Personal loans, lines of
credit and mortgages |
| Renewal for
ELOCs |
$25.00 |
|
Every 5 years |
