Service Fees

Effective March 16, 2026

Additional Account Fees

Business Fees

Wire Transfers Fees

Safety Deposit Boxes Fees

Personal Lending Fees

Account Closures

Account Closed (within 90 days)	$25.00
Accounts Closed (after 90 days)	Cost
Accounts Closed to Dormant (18 months)	$30.00
Dormant Accounts (monthly)	$2.50
Registered Product Transfer Out (per contract)	$100.00

Cheques

Ordering Cheques	Cost
Printing Cheques In-Branch¹	$3.00/sheet

Miscellaneous Fees

Bank Confirmation	$25.00/min.
Bullion Bars, Coins, Large Cash Orders	Contact branch
Chargeback	$7.00
Collection Item (incoming or outgoing)	$25.00
Drafts Foreign/USD	Cost
Drafts - Stop Payment	$25.00
Office Cheques	$10.00
Estate Registered Plans (not paid out in year after DOD)	$200/year
Foreign Cash Order²	$20.00
Letters	$20.00
NSF Item	$48.00
Post-Dated Item Handling	$5.00
Rejected item	$5.00
Replacement Chip Card (one free per year)	$5.00
Research/Trace	$20min/$35hr
Stop Payments	$12.50
Unauthorized Overdraft/Exceeding line of credit⁴	$5.00

Transfers

Cover Delinquent Loan Payments	$8.00
Cover Overdrafts (Manual)	$7.00
Cover Overdrafts (System)	$5.00
Out of Equity Shares	$1.50
Phone/Fax/Email Request	$5.00

Statements

Electronic Statements	Free
Paper Statement³	$3.00
Statement Reprinting	$5.00

Miscellaneous

Cash Request (coin or notes)⁶	Contact branch
Change of Signor⁷	$50.00
Night Deposit Annual	$40.00 + GST

Night Deposit Disposable Bags

0 - 99	$0.35/bag + GST
100	$30.00 + GST
3+ bundles of 100	$25.00/bundle + GST

Payment Stream AFT

Set-Up	$250.00
Monthly⁸	$20.00/min.
Additional Originator IDs	$75.00
Monthly Autofile	$50.00
Hard Tokens	$10.00/each

Wire Transfers

Incoming⁵	$15.00
Outgoing⁵	$40.00
Amendments to Outgoing Wires	$30.00
Recall/Cancel Outgoing Wires	$30.00
Receive Returning Outgoing Wire	$30.00
Surcharge for Non-Members⁷	$15.00

Annual Fees*

1.5" x 5"	$45.00
2.5" x 5"	$55.00
3.25" x 5"	$65.00
2.5" x 10"	$90.00
5" x 5"	$90.00
5" x 10"	$150.00
7" x 10"	$215.00
10" x 10"	$255.00
Safety Deposit Box Drilling	Cost + $25.00
Safety Deposit box Replacement Key	$20.00

Members 60 years of age and older receive a $5.00 discount on any Safety Deposit Box.
*Plus taxes.

Personal Lending Fees

Bridge Financing	$500.00
Construction Mortgage (per disbursement)	$150.00
Discharge/Transfer to another Financial Institution	$75.00
Document Printing/Letter Requests	$25 min./$30 hour
Late Charge Assessment Fee⁹	$48.00
Mortgage Title Search (per PID)	$25.00
Payment Alteration	$25.00
Security Registration	$85.00

*Fee will charged for payments not fulled within 3 days.

Additional Fee Information

¹Personal/Business cheques must be printed by the sheet. Minimum of one sheet.
²Cost for shipping FX notes. USD excluded.
³Paper statement fee is waived for youth (18 years and younger) and classic members (60 years and older).
⁴Interest rate is 24.00% for exceeding lines of credit limit and accounts.
⁵Fees are charged in the same currency as the account being used for the wire.
⁶Contact your local branch for details.
⁷If changes are not complete within 10 business days, the $50 fee will be recharged.
⁸Based on number of files/transactions per month.
⁹Fee will be charged for payments not fulfilled within 3 days.

Account Service Fees

The fees listed below are charged when the monthly allowable transactions are exceeded or when the type of transaction is not included in the account.

*Annual fee and service charge for the night deposit bag are charged separately.
Transactions beyond the account package included transactions will be charged as per the service fee schedule