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SERVICE FEES

 
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Service Charges in effect February 1st, 2024

Everyday Banking (Chequing)


RewardsRewards LoyaltyPremium RewardsPay As You GoJuniorYouthStudent
Monthly Fee$0.00$11.95$19.95$0.00$0.00$0.00$0.00
In Branch WithdrawalsFreeFreeFreeFreeFreeFreeFree
Cheques (CAD/US Accounts)Free*FreeFree$0.85N/AN/A$0.85
Pre-Authorized PaymentsFreeFreeFree$0.85FreeFreeFree
Interac DEBIT TransactionsFreeFreeFree$0.85FreeFreeFree
The Police and The Exchange Network ATM's (for deposits, withdrawals, transfers, balance inquiries)FreeFreeFreeFreeFreeFreeFree
Bill Payments






  • In Branch
FreeFreeFree$1.00N/AFreeFree
  • Online
FreeFreeFree$0.60N/AFreeFree
Transferring Your Funds Within the Same Membership






  • In Branch or Member Solutions Centre
FreeFreeFree$2.00$2.00$2.00$2.00
  • Online
FreeFreeFreeFreeFreeFreeFree
Transferring Your Funds to Another Membership






  • In Branch or Member Solutions Centre
FreeFreeFree$2.00$2.00$2.00$2.00
  • Online
FreeFreeFreeFreeFreeFreeFree
AlertsFreeFreeFreeFreeFreeFreeFree
Interac e-TRANSFER - SendFree**Free**Free$1.50$1.50$1.504 free/per month
Interac e-TRANSFER - ReceiveFreeFreeFreeFreeFreeFreeFree
Interac e-TRANSFER - Request$1.50$1.50Free$1.50$1.50$1.50$1.50
Interac Cash Withdrawals$1.50$1.50Free$1.50$1.50$1.50$1.50
PLUS Cirrus International$4.95$4.95$4.95$4.95$4.95$4.95$4.95
THE EXCHANGE (US), for Withdrawals Use ACCEL Network$2.95$2.95$2.95$2.95$2.95$2.95$2.95
The ACCEL Network for Point of Sales (POS) Debit Transaction (US)$0.85$0.85$0.85$0.85$0.85$0.85$0.85
Monthly Satement Fee$2.00$2.00$2.00$2.00FreeFreeFree
E StatementsFreeFreeFreeFreeFreeFreeFree
Cheque ImagesFreeFreeFreeFreeN/AFreeFree
*10 free per month then $0.80 onwards.
**Combined total (includes sending and requesting Interac e-transfers) of 4 free per month if processed through chequing account with Rewards Chequing, 10 for Rewards Loyalty Chequing. Cost is $1.50 per transaction onwards.
 

Everyday Banking (Chequing)


  Business Organization
In Branch Withdrawals Free Free
Cheques (CAD/US Accounts) $0.85 $0.85
Pre-Authorized Payments* $0.85 $0.85
Interac DEBIT Transactions $0.85 $0.85
The Police and THE EXCHANGE Network ATM's (for deposits, withdrawals, transfers, balance inquiries) Free Free
Bill Payments    
  • In Branch
 $1.00 $1.00
  • Online
 $0.85 $0.85
Transferring Funds Within the Same Membership    
  • In Branch or Member Solutions Centre
 $2.00 $2.00
  • Online
 Free Free
Transferring Funds to Another Membership    
  • In Branch or Member Solutions Centre
 $2.00 $2.00
  • Online
 Free Free
Interac e-TRANSFER - Send $1.50 $1.50
Interac e-TRANSFER - Receive Free Free
Interac e-TRANSFER - Request $1.50 $1.50
Interac CASH Withdrawals $1.50 $1.50
PLUS/Cirrus International $4.95 $4.95
THE EXCHANGE (US), for Withdrawals USE ACCEL Network $2.95 $2.95
The ACCEL Network for Point of Sale (POS) Debit Transaction (US) $0.85 $0.85
Monthly Statement Fee $2.00 $2.00
E Statements Free Free
Cheque Images Free Free
 

Account Information


Copy of Satement
  • Current Month
$2.00
  • Previous Month
$2.00
Search for Items, Cheques, Deposits, Names, Accounts, Vouchers, and Certified Copy of imagesWithin 90 days $5.00/item.
Over 90 days $10.00/item. 
Multiple items or lengthy searches $50.00/hour.
US Cheque Search (Per Hour)$50.00
Bill Payment Trace/Recall Request$20.00
(Effective February 15th, 2024)
 

Cheques and Foreign Currency

Cheque Orders At Cost
Special Orders - Line of Credit  
  • NSF Item Returned
 $40.00
  • NSF Item - Hold Overnight Fee
 $40.00
  • Transfer from Another Account to Cover Overdraft
 $7.50
Refuse by Payor $15.00
Stop Payment - Each Transaction $10.00
Post-Dated Handling $10.00
Cheques for Collections $35.00
Certify Cheque for Member $10.00
Certify for Non-Member $20.00
Official Cheques $10.00
U.S. Cheque Drawn on CDN Account $15.00
Stop Payment for US Bank Draft $15.00 US
US Bank Draft  $10.00 US
 

Credit Products


Mortgage Discharge $400.00
Transfer Mortgage to Another Financial Institution $450.00
Mortgage Re-Advancement (CreditMaster) $200.00
Property Valuation Fees $200.00 - $350.00
Appraisal Fee At Cost
Personal Property Registration Fee (Vehicle Loans) $150.00
Mortgage Financing At Cost
Late Payment Fee (All Credit Products) $45.00
Meritline/Primeline Discharge $400.00
Bridge Loan $300.00

Regular Recruit Loan Administration Fee (Regular Program)

 $145.00
 

Miscellaneous


Charge Back (Drawn on Self) $50.00
Wire Funds  
  • Incoming Domestic
 $50.00
  • Outgoing Domestic
 $50.00
  • Incoming US$
 $50.00 USD
  • Outgoing US$
 $50.00 USD
  • Mortgage Funding Wire Fee
 $15.00
  • Outgoing Foreign (Excluding US$)
 $50.00
Electronic Fund Transfer Single Request $20.00
RESP Transfer Out At Cost
RRIF Transfer Out $100.00
RRSP Transfer Out $100.00
TFSA Transfer Out $100.00
FHSA Transfer Out $100.00
Variable RRSP Withdrawals $50.00
Variable RRSP Withdrawals (if account opened 90 days or less) $100.00
Certificate of Balance $10.00
Certificate of Interest $20.00
Dormancy Notice $25.00
Dormant Membership Admin Fee (Per Year) $100.00
Account Garnishee (per transaction) $35.00
Membership Closing Fee $9.95
Membership Closing Fee (if opened 90 days or less) $25.00
Safety Deposit Box*  
  • 1 1/2 x 5 (plus HST)
 $30.00
  • 2 1/2 x 5 (plus HST)
 $35.00
  • 5 x 5 (plus HST)
 $50.00
  • 2 1/2 x 10 (plus HST)
 $70.00
  • 5 x 10 (plust HST)
 $100.00
Safety Deposit Box Drilling Fee $450.00
Safety Deposit Box Key Replacement $40.00
Safety Deposit Box Notice of Payment (if payment not made) $10.00
Country Blocking Unblocking $9.95
ATM Debit/Credit Adjustment $2.00
Replacement ATM Cards (Frequent) $5.00
External Auto-Fund Transfer (New/Change)** $20.00
Manual Posting of Pre-Authorized Item** $20.00
Estate Account (monthly fee) $5.00/month
Estate Account Settlement $125.00
*20% reduction for Rewards Program Members
**Service Charge in effect February 1st 2024
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