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Personal transaction and service fees

Service fees effective July 24, 2020

ATM fees

ATM use - THE EXCHANGE NetworkFree
ATM use - International$3.50
ATM use - Interac$1.50


Certified cheque$10
Charge back$10

Stop payment: full or partial details, staff assisted or online


View Cleared Cheques – Online BankingFree


Drafts (CAD)$10
Drafts (other currencies)$10


Letters and forms prepared at the Member’s request$25

Replacement debit card

Replacement debit card1 free each year,
$5 each additional card

Search of records

Record search$35/hour + HST ($15 minimum charge)

Wire funds

Up to $20,000$25
$20,001 - $50,000$50
$50,001 +$100

Bill payments

Bill payment trace/recall$15
Bill payment trace/recall (greater than one year)$30


Interac e-Transfer$1.50
RRSP/RRIF/TFSA Transfer$100

Close account

Close account within 90 days$25

Loans and overdraft

Loan and mortgage extension$40
NSF (Non-Sufficient Funds)$50/item
Overdraft exception item$25/item
Overdraft transfer/handling$5/item
Overdraft protection$2.50/month

Credit Services

Delinquency on Loans and Mortgages$50
 Delinquency on non-traditional mortgages$250

Credit Services - Bridge Loan

When Member obtains a new FirstOntario Mortgage

$500 + interest

 When Member does not obtain a new FirstOntario Mortgage

Greater of  $500 or 0.35% of the loan amount + interest

Dormant account

Dormant account$30 (annually)

Safe deposit boxes

Safe Deposit Boxes$50 (S)
$75 (M)
$135 (L)
$230 (XL)
Drilling$150 + HST
Replacement Keys$25 + HST


Official copy$5/official copy
Duplicate in-branch$5/copy
With a Be FREE Chequing Account$5/month
With a Be FREE and More/Seniors AccountFree