Fees and Freebies

The charts below show our standard service fees. Some package accounts waive certain fees; please see our Chequing and Savings Packages page for details.

Chequing

Personal

Account statementsfreee-statements (when available) or qualifying package plans
$2.00duplicates / mailed
Overdraft protectionfreeno monthly fee; interest applies
Cheque ordersat costfree for qualifying package plans
Depositsfree
Withdrawals and Cheques$0.502 free per month
Stop payments$7.50with full cheque details (includes corporate cheques)
$15.00without full cheque details (includes corporate cheques)
Certified cheques$5.00presented by member
$10.00presented by non-member
Corporate certified cheques$7.50commercial and personal accounts
Transfersfreemember-requested
$2.00to cover NSF items
Corporate cheques$2.00issued to third party
Account closuresfree
$25.00within 60 days of opening
Returned items / NSF$45.00including preauthorized items
Charged back items$10.00third-party cheque presented by member
$45.00cheque from self
Record search$2.00per item for cheques less than 3 months
$25.00per hour for cheques older than 3 months, minimum 1 hour
Courtesy Call / Hold Fee$10.00

Commercial

Depositsfree
Debits$0.50free for qualifying package plans
Account statementsfreee-statements (when available) or qualifying package plans
$2.00duplicates / mailed
$10.00per year for previous years
Cheque ordersat cost

All other fees as applicable.

Electronic Services

The Exchange® Network ATMsfreedeposits/withdrawals in Canada
All Other ATMs*$1.50Canada
$2.50U.S. and International
POS (Debit Card)$0.50Canada and U.S.
freewith qualifying package plans
Online & telephone bankingfree
Bill paymentfreeonline or by phone
Electronic funds, debits, and creditsfree
Automatic transfersfree
Direct depositsfree
Payroll deductionfree
Cheque imagingfree
Wire transfers$20.00Outgoing domestic
$30.00Outgoing foreign
$10.00Incoming
Electronic item trace$10.00

* Network surcharges may apply

Mortgages and Equity Lines of Credit

Appraisalsat cost
Mortgage discharge$150.00preparation
$150.00registration
Cancellation fee$100.00
Assignment of mortgage to other financial institution$450.00
Postponement of Mortgage Fee$150.00
Early Mortgage Renewal Fee$150.00plus any applicable penalties
Bridge financing$150.00plus interest calculated at the personal loan rate
Equity lines of credit$25.00renewals (every 5 years)
Legal fees and First Canadian Titleat cost

Miscellaneous

Foreign currency exchangeat cost
U.S. Draftat cost
RRSP withdrawals$25.001 free each year
RRIF withdrawalsfree
RSP/RRIF transfers-out$75.00
TFSA withdrawals$5.002 free each year
TFSA transfers-out$75.00
PPSA/Chattel$15.00registration per year
$35.00early discharge
Confirmation letter of loan interestfree
Personal banking$10.00transactions delivered to other financial institutions
Inactive/dormant accounts$4.00annual statement charge
Unclaimed balances$125.00no member-generated activity for more than one year and unable to locate / returned mail
Post-dated itemsfreeif held for deposit
Application feesfreepersonal loans, lines of credit and mortgages
Third-party demand collection fee$5.00per item
Collection fee$25.00

The fees listed on this page are effective as of February 22nd, 2012, and are subject to change without notice.