Account Services (and any associated fees)

ABM
INTERAC® transactions	$1.25
Cirrus® (U.S.)	$2.00
Cirrus® (International)	$4.00
Surcharge may be applied by other financial institution

Cheque Payment Processing
Bank draft or official cheque (Canadian, US and foreign)	$6.50
Money order (Canadian or US)	$5.00 per item
Foreign currency cheque (cash or deposit)	$4.00 per item
Foreign currency drawn on a Canadian account	$12.00
Certified cheque	$10.00
Charge back	Free
Cheque sent on collection	$20.00
Non-sufficient funds (NSF)	$30.00
Honoured NSF	$5.00 plus overdraft interest
Late loan payment	$30.00
Stop payment      • With complete details      • With partial details	$10.00 $15.00
Travellers cheques      • One-Signature      • Cheques for Two      • Gift Cheques	1% of purchase value 1.75% of purchase value 2.00% of purchase value
Unencoded/undomiciled item	$5.00 per item
Coverdraft	$2.00 per item that invokes Coverdraft
Creditline	$1.00 per month plus applicable interest

Record Keeping and Searches
Credit rating to other Financial Institution	$5.65 (HST included) written only
Extensive search	$30.00/hour (minimum $15.00)
Interest letter	$16.00 (includes HST)
Balance letter	$16.00 (includes HST)
Letter – duplicate T4 & T5 information	$15.00

Safety Deposit Boxes
Available in various sizes and annual fees
Key replacement or drilling:	At cost

Wires Accounts
Incoming wires (Canadian and foreign)	$10.00
Outgoing wires
• Canadian, USD & Foreign	$20,000 or less = $20.00 $20,001 - $50,000 = $50.00 $50,001 - $100,000 = $80.00 $100,001 or higher = $100.00
Foreign wire fees are completed in Canadian dollars.

Inactive Accounts and Closing Accounts
Balance of account transfer	$15.00 (includes official cheque charge)
Closing account	$25.00 within 90 days of opening per demand account.
Inactive account	$30.00 per year
RRSP/RRIF	$100.00 if collapsed within 90 days of opening $50.00 for T2033 transfer out