Essential Packages

Total Dollar Participation Required (Loan or Deposits)$0 – $9,999
Monthly FeeNone

Essential Services

External Regulatory Maintenance Fee (ERMF)$9.85
ATM Transactions through THE EXCHANGE® or Interac® Per Month* (Including Inquiry)$1.85 for each transaction
POS/Debit Card Transactions Per Month$0.85 for each transaction
In Branch Bill Payments**$2 each
Online Banking Bill Payments$0.85 for each transaction
Online Banking (Increased authentication)Free
Mobile Banking***Free
Telephone TellerFree
Savings and Chequing AccountsFree
AFTs and EFTsFree
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
The Personal Home and Auto Insurance EligibilityEligible
Discounted Loan RatesNo Discount
Annual Membership Fee$50 / year
Deposit Anywhere Fee$1.75 each
TFSA Withdrawal*****$15 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 $.85 online.

*** Carrier charges may apply.

**** Does not include US cheques.

***** First Withdrawal Free

Subject to Change at anytime