Accounts and Service Charges

- effective October 1, 2009


Personal Chequing

Account & FeaturesCharges
Premium Chequing

Free with $50,000 or more in deposits and loans -- ask how to eliminate the monthly fee!		$20.00 monthly fee includes:
  • Withdrawals
  • Interac® Direct Payment
  • Interac® ATM withdrawals and surcharges
  • Bill payments
  • Travellers cheques
  • 1 free certified cheque, bank draft, or money order per month
  • 4 free stop payments per year
  • Online and telephone banking
Regular Chequing

Daily interest chequing account

Tiered daily interest compounded monthly

No service charges with minimum monthly balance of $1,000. 
Cheque, in branch and other withdrawals$0.60
ATM withdrawal$0.50
Direct payment and other electronic withdrawals$0.40
Interac ATM network transaction surcharge
(first 5 free)		$1.00
In-branch bill payment surcharges$1.00
Online or telephone bankingFREE


See Access Connections and Other Services for charges that may apply.

Electronic Chequing
Small (ES)
Monthly Fee includes 20 electronic transactions (ATM withdrawal, POS)$5.00
Electronic Transactions
(charged on additional transactions)		$0.50
Interac ATM network transaction surcharge
(first 5 free)		$1.00
Counter Transactions
(all counter withdrawals, all cheques)		$1.00
Electronic Chequing
Large (EL)
Monthly Fee includes 40 electronic transactions (ATM withdrawal, POS)$10.00
Electronic Transactions
(charged on additional transactions)		$0.50
Interac ATM network transaction surcharge
(first 5 free)		$1.00
Counter Transactions
(all counter withdrawals, all cheques)		$1.00
Youth Chequing

Youth chequing account for owners up to age 25

No service charges

Interac ATM network transaction surcharge
(first 5 free)		$1.00


See Access Connections and Other Services for charges that may apply.

US Chequing

Daily interest US chequing account

Withdrawals

$0.65 US

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Savings

Accounts & FeaturesCharges

Investment Savings

Premium daily interest rate paid monthly on full balance – minimum $1,000.

2 free debit transactions per month.

In-branch withdrawal, bill payment, transfer or other debits$2.00
ATM cash withdrawals$2.00
Interac direct payment, electronic withdrawals$2.00
Interac ATM network transaction surcharge$1.00


See Access Connections and Other Services for charges that may apply.

Regular Savings

Tiered daily interest paid monthly
Fees waived with $5,000 minimum monthly balance.
In-branch withdrawal, bill payment or other debits$0.60
ATM cash withdrawals$0.50
Interac direct payment, electronic withdrawals$0.40
Interac ATM network transaction surcharge$1.00


See Access Connections and Other Services for charges that may apply.

Youth Savings Account

Youth savings for young owners up to 12
No service charges
Interac ATM network transaction surcharge$1.00


See Access Connections and Other Services for charges that may apply.

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Retirement Savings

Account & FeaturesCharges
Registered Retirement Savings Plans


Fixed and variable interest rates

No service charges if funds on deposit for 90 days.
Transfer out fee

$50.00

Registered Retirement Income Fund


Flexible alternative to annuities

No service charges on Libro plans.
Transfer out fee

$50.00

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Business & Farm

Account & FeaturesCharges
Current Account


Farm and business chequing account.

Click here for a breakdown of Libro's Business and Farm accounts.

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Access Connections

Interac® Network Access

From your chequing account, you can make up to 5 cash withdrawals each month at no extra charge

Interac® transaction surcharge per item on 6+ withdrawals$1.00
The Exchange Network®

Make withdrawals and deposits at 2,200 ATM locations in Canada without paying additional surcharges

 
PLUS® Network Access

ATM cash withdrawals worldwide

ATM withdrawal$3.00
Contact Centre

Automated telephone banking

Inquiries, account balance historyfree
Funds transferno additional charge
Bill paymentsno additional charge
Online Banking

Via the Internet with your personal computer

Inquiries, account balance historyfree
Funds transferno additional charge
Bill paymentsno additional charge

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MasterCard® Credit Card

MasterCard®
No Fee-
Silver - Low Fee

$12 per year

$24 per year with Choice Rewards
Gold$96 per year
Platinum

$150 per year

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Other Service Charges

Bill payments - in branch surcharge$1.00
Certified cheques$6.00
Bank Drafts

CAD or USD $6.00

Foreign & domestic wires$15.00 minimum
Money orders$6.00

Safe deposit box annual rental
(square inches = area of box front)

Small (up to 17.5 sq. inches) - $45.00
Medium (17.6 - 25.0 sq. inches) - $80.00
Large (25.1 - 75.0 sq. inches) - $140.00
X-Large (75.1 + sq. inches) - $240.00
Travellers cheques1% of $CDN equivalent