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Personal transaction and service fees

 Service fees effective September 1, 2019

ATM fees

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


Cash USD cheque$1
Certified cheque$10
Charge back$10
Cheque in foreign currency drawn on Canadian account$25

* Post-dated cheque held for deposit


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


Travellers Cheques1%
View Cleared Cheques – Online BankingFree

Collection items

Domestic collection items$20
Foreign collection items$30


* 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

Wire funds (outgoing)1.50% of the amount
(minimum $25, maximum $100)
Wire funds (incoming)$20

Bill payments

Bill payment


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


Interac e-Transfer$1.50
RRSP/RRIF/TFSA Transfer$100
Telephone transfer of funds - by branch$4.50
TFSA withdrawal1 free each month;
​$25 each additional withdrawal during the month
Transfer account balance$20

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

* Non-traditional mortgage application renewal fee$300
* Discharge/Porting$350
* 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