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    SERVICE FEES

     
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    Service Charges in effect July 1st, 2022

    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$0.70$0.70$0.70$0.70
    Pre-Authorized Payments**FreeFreeFree$0.70FreeFreeFree
    Interac DEBIT TransactionsFreeFreeFree$0.70FreeFreeFree
    The Police and The Exchange Network ATM's (for deposits, withdrawals, transfers, balance inquiries)FreeFreeFreeFreeFreeFreeFree
    Bill Payments






    • In Branch
    		FreeFreeFree$1.00N/AFreeFree
    • Telephone Banking
    		FreeFreeFree$0.60N/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
    • Telephone Banking
    		FreeFreeFreeFreeFreeFreeFree
    • Online
    		FreeFreeFreeFreeFreeFreeFree
    Transferring Your Funds to Another Membership






    • In Branch or Member Solutions Centre
    		FreeFreeFree$2.00$2.00$2.00$2.00
    • Telephone Banking
    		FreeFreeFreeFreeFreeFreeFree
    • Online
    		FreeFreeFreeFreeFreeFreeFree
    Interac e-TRANSFER - SendFree***Free***Free$1.50$1.50$1.50$1.50
    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)$0.70$0.70$0.70$0.70$0.70$0.70$0.70
    Monthly Satement Fee$2.00$2.00$2.002.00FreeFreeFree
    E StatementsFreeFreeFreeFreeFreeFreeFree
    Cheque ImagesFreeFreeFreeFreeN/AFreeFree
    *10 free per month then $0.70 onwards.
    **$3.00 charged per Pre-Authorized Debit/Pre-Authorized Credit transactions which are returned.
    ***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) $0.70 $0.70
    Pre-Authorized Payments* $0.70 $0.70
    Interac DEBIT Transactions $0.70 $0.70
    The Police and THE EXCHANGE Network ATM's (for deposits, withdrawals, transfers, balance inquiries) Free Free
    Bill Payments    
    • In Branch
    		 $1.00 $1.00
    • Telephone Banking
    		 $0.60 $0.60
    • Online
    		 $0.60 $0.60
    Transferring Funds Within the Same Membership    
    • In Branch or Member Solutions Centre
    		 $2.00 $2.00
    • Telephone Banking
    		 Free Free
    • Online
    		 Free Free
    Transferring Funds to Another Membership    
    • In Branch or Member Solutions Centre
    		 $2.00 $2.00
    • Telephone Banking
    		 Free Free
    • 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) $0.70 $0.70
    Monthly Statement Fee $2.00 $2.00
    E Statements Free Free
    Cheque Images Free Free
    *$3.00 charged per Pre-Authorized Debit/Pre-Authorized Credit transactions which are returned.
     

    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 images Within 90 days $5.00/item.
    Over 90 days $10.00/item. 
    Multiple items or lengthy searches $40.00/hour.
    US Cheque Search (Per Hour) $50.00
    Bill Payment Trace/Recall Request $10.00
     

    Cheques and Foreign Currency

    Cheque Orders At Cost
    Special Orders - Line of Credit  
    • NSF Item Returned
    		 $35.00
    • NSF Item - Hold Overnight Fee
    		 $35.00
    • Transfer from Another Account to Cover Overdraft
    		 $7.00
    Stop Payment - Each Transaction $10.00
    • Telephone Banking 
    		 $10.00
    • Online
    		 $10.00
    Overdraft Transfers $7.50
    Post-Dated Handling $5.00
    Cheques for Collections $25.00
    Certify Cheque for Member $5.00
    Certify for Non-Member $15.00
    Official Cheques $5.00
    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 $350.00
    Transfer Mortgage to Another Financial Institution $450.00
    Mortgage Re-Advancement (CreditMaster) $100.00
    Property Valuation Fees $150.00 - $325.00
    Appraisal Fee Varies Cost Per Appraiser
    Credit Bureau Fee $20.00
    Personal Property Registration Fee (Vehicle Loans) $95.00
    Mortgage Financing Cost
    Late Payment Fee (All Credit Products) $45.00
    Meritline/Primeline Discharge $350.00
    Regular Recruit Loan Administration Fee $145.00
     

    Miscellaneous


    Charge Back (Drawn on Self) $50.00
    Wire Funds  
    • Incoming Domestic
    		 $45.00
    • Outgoing Domestic
    		 $45.00
    • Incoming US$
    		 $45.00 USD
    • Outgoing US$
    		 $45.00 USD
    • Outgoing Foreign (Excluding US$)
    		 $45.00
    Electronic Fund Transfer Single Request $20.00
    RESP Transfer Out At Cost
    RRIF Transfer Out $50.00
    RRSP Transfer Out $50.00
    TFSA Transfer Out $50.00
    Variable RRSP Withdrawals $50.00
    Certificate of Balance $5.00
    Certificate of Interest $15.00
    Dormancy Notice $25.00
    Dormant Membership Admin Fee (Per Year) $100.00
    Account Garnishee $35.00
    Membership Closing Fee $9.95
    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
    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
    *20% reduction for Rewards Program Members
    **Service Charge in effect March 1st 2022
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