| Bill payment reversal | $10 |
| Bill payment trace request | $15 per item, $30.00 if > 1 year |
| Change of signors | Free once per year, $30 per change thereafter |
| Chargeback | $8 |
| Coverdraft (transfer to cover overdraft) | $4 |
| Debit Mastercard Replacement | $5 (first card each year is free) |
| Dormant/Inactive Account | $40/year |
| Manual Posting Fees | $5 |
| Membership closing within 90 days of opening | $30 |
| NSF Cheque Return Fee | $45 |
| Unauthorized overdraft | $5/item +21% interest |
Effective August 1, 2026: This section provides information on fees and charges for a variety of additional services available to our members. For information on services not listed here, please contact us directly.
Looking for current fees? Download the Current Service Fees Listing (Effective until July 31, 2026)
Please refer to Summary of Fee Changes for details on all service fee updates effective August 1, 2026.
Everyday Account Services
Statements and Account Research
Account Research | $40/h ($20.00 min) |
Bank Confirmations (any official letter, personal or business) | $25 |
Interim or duplicate statement | $5 |
Cheques, Drafts and Stop Payments
| Cheque cashing fee (non-member) (within the policy restrictions) | $5 |
| Cheque certification (non-member) | $10 |
| Cheque imaging | $2 per item, $30/hr if > 1 year |
| Counter cheques - Business | $10/sheet (2 cheques in one sheet) |
| Counter cheques - Personal | $10/sheet (4 cheques in one sheet) |
| Official cheques | Regular, Unlimited - $8 Golden/Platinum - $4 Basic/High Transaction package - Free |
| Personalized cheques orders | Cost varies |
| Post dated cheques (held for deposit) | $5.00 per item, $10.00 if more than one per date |
| Stop payment - cheques | $20 for one cheque or series of cheques to single vendor (applicable to all accounts) |
| Stop payment - PAD | $20 (applicable to all accounts) |
Foreign Currency and Drafts
Foreign cash order | $20 |
Foreign cheque sent on collection | $50 |
US Draft | $12 USD (applicable to all accounts) |
US Draft stop payment or cancellation | $30 USD |
Mortgage and Loans
Appraisal/Inspection/Letters of Opinion | cost |
Collection of overdue loan payments | $30 |
CreditMaster mortgage re-advance | 1% of re-advanced amount$100 min - $250 max |
Late financial statements (business lending) | $100 per month min |
Letter of guarantee | $100 |
Line of credit annual fees | Up to and including $20,000 - $50 Greater than $20,000 – $100 min |
Personal loan amendment/renewal | $25 |
PPSA registration/renewal | $60 |
Prepare and/or discharge land mortgage | $75 |
Progress Draw Fee | $150 |
Safety Deposit Boxes
Small - 11/2 x 5 | $50 + tax/yr |
Medium – 2½ x5 | $70 + tax/yr |
Large – 21/2 x10 | $110 + tax/yr |
Large 5x5 | $110 + tax/yr |
Xlarge 5x10 | $175 + tax/yr |
Duplicate Key | $35 + tax |
Safety Deposit Box Drilling | Cost + $50 |
25% discount for Golden/platinum account, unlimited plus, basic/high transaction package account.
Transfers and Wire Payments
Balance of account or partial transfer to another financial institution | $15 |
International Transfers – online banking | Transfer under $500 CAD - $2.50 Transfer over $500 CAD – no additional fee |
RRSP/RRIF/RESP/TFSA/FHSA Transfer out to another institution | $100 |
Wire payments | |
Destination | Fees |
Currency - CAD | |
Outgoing wire transfer to Canada | $25 CAD |
Outgoing wire transfer to other countries | $25 CAD |
Incoming wire transfer | $15 CAD |
Currency - USD | |
Outgoing wire transfer to USA | $25 USD |
Outgoing wire transfer to Canada and other countries | $25 USD |
Incoming wire transfer | $18 USD |
Other currencies | |
Outgoing wire transfer | $25 CAD |
Incoming wire transfer | $15 CAD |
|
|
Wire trace | $30 |
Other Miscellaneous Services
Night deposit bag | $30/100 bags + tax |
Motor vehicle search | $15 |
Collection Fee of Overdue Payments (Loan Payment, Requirement to Pay, Minister of Finance, Garnishee, etc) | $30 |
Credit check requested by a member | $10 |
Need a printable version?
Download Service Fee Listing (Effective August 1, 2026)
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