Account and Service Fees

Service	Fee
Account closed within 90 days	$25
Balance of account transfer	$25
Draft/Official Cheque (CAD)	$7
Draft/Official Cheque (USD)	$10
Certified Cheque	$10
Charge Backs/Insufficient Funds	$5
Cheques on collection	$25
Dormant Account	$60/yr
Dormant Member	$150
Unclaimed Balances	$60/yr
NSF/Returned Item (PAC, PAD or Cheque)	$50
Processing Post Dated Items	$3
Reference Letter	$35
Registered Transfer Out	$100
Stop Payment	$15
Assisted Transfer	$10
Coverdraft Protection	$5
Overdraft Rate	21%
Writing US cheque on Canadian account	$15
Records Search (<90 Days)	$25 or $40/hr
Records Search (>90 Days)	$40 or $40/hr
Non-Exchange Network ATM Transaction	$1.50
Foreign Currency Transaction Fee	2.5%
Flex Card Debit Card Replacement Fee	$10
Flex Card Debit Card Rush Replacement Fee	$30

Service	Fee
Cash Request - Coin	$0.10/roll
Cash Request - Notes	$0.30/bndl
Overdraft Handling Fee	$5
Overdraft Rate	21%
PaymentStream AFT Originator ID Setup Fee	$250
PaymentStream AFT Additional Originator ID	$100 ea
PaymentStream AFT Monthly Service Charge	$30/month
PaymentStream AFT "Per Item" cost	$0.15/item
Stop Payment	$15
Foreign Currency Transaction Fee	2.5%

New Business Charges:
Late reporting of financial statements	$200
Credit Bureau Report	Cost + $5
Property Search	Cost + $10
Property Tax Statement	Cost + $10
CRA Requirement to Pay received	$20
PPSA Registration	Cost + $10
PPSA Discharge	Cost + $10
External Account Verification Statement	Cost + $10

Service	Fee
Appraisal	$299 - effective Oct. 22, 2020
Mortgage Discharge	$500
Mortgage Transfer	$300
Blend & Extend	$200
Reference Letter	$30
CMHC Fee	Free
Mortgage Renewal	Free
Bridge Financing	$500
PPSA Registration	$100
Loan Payment Frequency Charge	Free
Confirmation of Balance	$30
Term switch (variable to fixed)	Free
Collateral Inspection	$200 + mileage
Extension Agreement	$100
Wage Assignment	$200