Essential Packages

Total Dollar Participation Required (Loan or Deposits) $0 – $9,999
Monthly Fee None

Essential Services

Chequing Free
External Regulatory Maintenance Fee (ERMF) $9.85
ATM Transactions through THE EXCHANGE® or Interac® Per Month* (Including Inquiry) $1.90 for each transaction
POS/Debit Card Transactions Per Month $0.90 for each transaction
In Branch Bill Payments** $2 each
Online Banking Bill Payments $0.90 for each transaction
Online Banking (Increased authentication) Free
Mobile Banking*** Free
Telephone Teller Free
Savings and Chequing Accounts Free
AFTs and EFTs Free
Stopped Payments**** $25.00 each
Certified Cheques/Bank Drafts (CDN) $10 each
Letters of Interest /Immigration $25 each
Post Dated Cheques (per cheque left on deposit) $5 each
Interac e-Transfer® $1.90 each
The Personal Home and Auto Insurance Eligibility Eligible
Discounted Loan Rates No Discount
Annual Membership Fee $50 / year
Deposit Anywhere Fee $1.90 each
TFSA Withdrawal – In Branch (phone, email requests) $15 each
TFSA Withdrawal – Online Banking $0.90 each

† 5 Free Withdrawals and 5 Free Deposits monthly

* Transactions at THE EXCHANGE Network of ATMs are surcharge free but surcharges at source for Interac ATMs are not included in the packages.

** Bill Payments for Essential package are $.90 online.

*** Carrier charges may apply.

**** Does not include US cheques.

Subject to Change at anytime

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