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) | $2.00 for each transaction |
| POS/Debit Card Transactions Per Month | $1.00 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 |
| In person Live Telephone Teller | Free |
| Savings and Chequing Accounts | Free |
| AFTs and EFTs | Free |
| Manual On-Demand AFTs and EFTs | $15.00 each |
| Stopped Payments**** | $25.00 each |
| Certified Cheques/Bank Drafts (CDN) | $10 each |
| Letters of Interest /Immigration | $30 each |
| Post Dated Cheques (per cheque left on deposit) | $5 each |
| Interac e-Transfer® | $1.60 each |
| The Personal Home and Auto Insurance Eligibility | Eligible |
| Buyers Protection and Extended Warranty | Not Eligible |
| Discounted Loan Rates | No Discount |
| Annual Membership Fee | $55 / year |
| Deposit Anywhere Fee | $1.90 each |
| TFSA Withdrawal – In Branch (phone, email requests) | $15 each |
| TFSA Withdrawal – Online Banking | $1.00 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 $1.00 online.
*** Carrier charges may apply.
**** Does not include US cheques.
Subject to Change at anytime
