Service Fees – General

Interac ATM Withdrawals

Libro Owner

$1.00

5 free per month for chequing accounts

Non-Owner

$2.50

Charged to non-Owners who use Libro ATMs

PLUS System ATM Withdrawal

$3.00

Automated Funds Transfer program

Setup fee

$175.00

One time

Per additional Originator ID

$75.00

Per item

Automated Funds Transfer file upload/data entry

Manual Release

$15.00

–

$0.10

File processing fee per file

–

Per transaction

Automatic Release

$60.00

–

$0.10

File processing fee per month

–

Per transaction

(Charged at the start of next month. Please note this fee will apply every month even if no files are processed.)

2-Step Security

Hard Token

$20.00

A physical device that generates a random one-time code when activated. Hard tokens have a battery life of 2 to 3 years and will have to be replaced as required at Owner’s expense.

Soft Token

Free

An app installed on a user’s trusted mobile device

Additional Fees

Recalls/errors or traces

$15.00

When an item or file processed is incorrect and needs to be stopped or corrected

Internal program changes (ex. changes to due dates, amounts, etc.)

$5.00

Per occurrence

Coverdraft

$3.00

Pre-arranged funds transfer between accounts to cover overdraft

Automated Funds Transfer – Declaration

$10.00

Reimbursement claim form

Outgoing Wire

Wire-USD

$35.00

USD

Wire-CAD or Foreign Currency

$35.00

CAD

Wire Investigation/Trace

$30.00

CAD

Incoming Wire

Wire-USD

$15.00

USD

Wire-CAD

$15.00

CAD

Bank Drafts

Libro Bank Draft

$10.00

CAD

Libro Bank Draft/Western Union Draft

$10.00

USD

Foreign Currency Drafts (Incoming and Outgoing)

$20.00

CAD

Foreign Notes

Foreign Banknotes – Shipped and Ordered

$10.00

(Plus delivery fees if applicable.)

CAD

Commercial Online Banking

Free

–

$30.00

Setup fee

–

Per month

Commercial Remote Deposit Capture

$50.00

–

$35.00

Setup fee

–

Per month

Deposit Adjustments/Errors

$10.00

Per item

Bill Payment Remittance Processing Consolidated Service

$500.00

–

$25.00

–

$0.05

Setup fee

–

Per month

–

Per transaction

(Libro Owner is added to the biller lists of all financial institutions in Canada. Expanded service allows Owners to collect funds from any customer banking at any other financial institution via branch, telephone and online banking. Additional fees may be charged from other financial institutions.)

Certify Cheque for Owner

$15.00

Per cheque

Certify Cheque/Cash Cheque for a Non-Owner

$20.00

Per cheque

Charge Back for Collection

$25.00

Per item

Charge Back to Account

$6.00

Per item

Counter Cheques

$2.00

Page of 4 cheques, excluding temporary cheques issued for new accounts.

Non Sufficient Funds (NSF) Cheque / Non Sufficient Funds Processing (NSFP) Electronic

$50.00

–

$45.00

CAD

–

USD

Other Returned Cheque

$7.00

Per item

Stop Payment Placement Fee

$10.00

–

$12.00

CAD

–

USD

Stop Payment Return Fee

$5.00

–

$6.00

CAD

–

USD

Unauthorized Overdraft (Cheque or Automated Funds Transfer)

–

Unauthorized Overdraft – Month-end Service fee

–

Unauthorized Overdraft Rate

$5.00

–

$5.00

–

30%

Handling fee

–

Monthly fee

–

Annual interest rate charged monthly on temporary unauthorized overdraft amounts not resolved by Coverdraft or outside of the authorized overdraft limit.

USD Item Drawn on CAD Account

$15.00

Per item

Western Union Draft Stop Payment (USD or Foreign)

$25.00

Per item

Balance of Account to Other Financial Institution

$20.00

Close Personal/Business Ownership

$20.00

Owner closes ownership within 90 days of opening.

Close Inactive Account

$20.00

No Owner deposit, account activity for at least one year with no response to inquiry or acknowledgement. From 2 years to 5 years there will be an annual charge.

Close Dormant Account

$35.00

Both inactive and lost contact. Accounts are considered dormant 6 years after the Owner’s last transaction.

Registered Account Short Term Closure

$50.00

Owner closes contract within 90 days of opening.

RSP Withdrawal Fee

$50.00

Per item, first withdrawal per month is free.

Registered account transfer fee

$75.00

Owner transfers RRSP, RRIF, TFSA or RESP to another financial institution.

GIC Early Withdrawal Interest Penalty

$100.00*

Owner makes a withdrawal from a term deposit (RRSP, TFSA, non-registered, etc.) before maturity.

Online

Bill Payment – Electronic

Free*

Per item

Bill Payment Error/Trace 

$15.00

Per item

In Branch 

Personal Account

Free*

Per item

Business Account

$1.00*

Per item

Bank Confirmations

$30.00

Accountants may request bank confirmations to verify that the bank statements provided by their client are accurate and up to date.

Copy of Statement

$2.50

Printed in branch

Documents

Copies

$50.00

Per additional copy, duplicates and changes at owner request.

If dated less than 90 days

$5.00

Per item

If dated past 90 days

$10.00

Per item

Per hour

$30.00

For large volume branches

Interim Statement/Print Account History

In branch

$1.00

Per item

Mail

$2.50

Per item

Photocopying

$0.25

Per page

Safe Deposit Box Rental Fee

Per year (not including HST)

($20 off with Premium Chequing)

Dimensions (area of box front)

Small

$45.00

(1.5 X 5, 2 x 5)

Medium

$45.00

(2.5 X 5, 3 x 5, 3.25 X 5, 3.5 x 5)

Large

$80.00

(3 x 10, 5 x 5, 2.5 x 10)

X-Large

$140.00

(5 x 10, 5 X 10.375, 5 x 10.75)

XX-Large

$240.00

(10 x 10, 10 X 10.375)

Bio- small

$96.00

(3 x 9.5 x 15)

Bio Large

$216.00

(7 x 9.5 x 15)

Lost Keys

$25.00

Per key