Service Charges in effect February 1st, 2024
Everyday Banking (Chequing)
| Rewards | Rewards Loyalty | Premium Rewards | Pay As You Go | Junior | Youth | Student | |
|---|---|---|---|---|---|---|---|
| Monthly Fee | $0.00 | $11.95 | $19.95 | $0.00 | $0.00 | $0.00 | $0.00 |
| In Branch Withdrawals | Free | Free | Free | Free | Free | Free | Free |
| Cheques (CAD/US Accounts) | Free* | Free | Free | $0.85 | $0.85 | $0.85 | $0.85 |
| Pre-Authorized Payments | Free | Free | Free | $0.85 | Free | Free | Free |
| Interac DEBIT Transactions | Free | Free | Free | $0.85 | Free | Free | Free |
| The Police and The Exchange Network ATM's (for deposits, withdrawals, transfers, balance inquiries) | Free | Free | Free | Free | Free | Free | Free |
| Bill Payments | |||||||
|
Free | Free | Free | $1.00 | N/A | Free | Free |
|
Free | Free | Free | $0.60 | N/A | Free | Free |
| Transferring Your Funds Within the Same Membership | |||||||
|
Free | Free | Free | $2.00 | $2.00 | $2.00 | $2.00 |
|
Free | Free | Free | Free | Free | Free | Free |
| Transferring Your Funds to Another Membership | |||||||
|
Free | Free | Free | $2.00 | $2.00 | $2.00 | $2.00 |
|
Free | Free | Free | Free | Free | Free | Free |
| Alerts | Free | Free | Free | Free | Free | Free | Free |
| Interac e-TRANSFER - Send | Free** | Free** | Free | $1.50 | $1.50 | $1.50 | $4 free/per month |
| Interac e-TRANSFER - Receive | Free | Free | Free | Free | Free | Free | Free |
| Interac e-TRANSFER - Request | $1.50 | $1.50 | Free | $1.50 | $1.50 | $1.50 | $1.50 |
| Interac Cash Withdrawals | $1.50 | $1.50 | Free | $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 | $2.00 | Free | Free | Free |
| E Statements | Free | Free | Free | Free | Free | Free | Free |
| Cheque Images | Free | Free | Free | Free | N/A | Free | Free |
*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.
**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 | ||
|
$1.00 | $1.00 |
|
$0.85 | $0.85 |
| Transferring Funds Within the Same Membership | ||
|
$2.00 | $2.00 |
|
Free | Free |
| Transferring Funds to Another Membership | ||
|
$2.00 | $2.00 |
|
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 | |
| $2.00 |
| $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 $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 | |
|
$40.00 |
|
$40.00 |
|
$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 | |
|
$50.00 |
|
$50.00 |
|
$50.00 USD |
|
$50.00 USD |
|
$15.00 |
|
$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* | |
|
$30.00 |
|
$35.00 |
|
$50.00 |
|
$70.00 |
|
$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
**Service Charge in effect February 1st 2024
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