|Total Dollar Participation Required (Loan or Deposits)||$25,000 +|
|External Regulatory Maintenance Fee (ERMF)||$9.85|
|ATM Transactions through THE EXCHANGE® or Interac® Per Month* (Including Inquiry)||Unlimited Free|
|POS/Debit Card Transactions Per Month||Unlimited Free|
|In Branch Bill Payments**||Unlimited Free|
|Online Banking Bill Payments||Free|
|Online Banking (Increased authentication)||Free|
|Savings and Chequing Accounts||Free|
|AFTs and EFTs||Unlimited Free|
|Stopped Payments****||5 Free per year|
|Certified Cheques/Bank Drafts (CDN)||Free|
|Letters of Interest /Immigration||Free|
|Post Dated Cheques (per cheque)||Unlimited Free|
|Interac e-Transfer®||20 Free / Month|
|The Personal Home and Auto Insurance Eligibility||Eligible|
|Discounted Loan Rates||Eligible|
|Annual Membership Fee||Exempt|
|Deposit Anywhere Fee||Unlimited Free|
|TFSA Withdrawal*****||Unlimited Free|
† 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
Accounts will be reviewed on an ongoing basis and Account Package will be changed in accordance with participation value.