You deserve fair, low fees.

Service Fees

We strive to be as transparent as possible with any account and service fees. See below for a full breakdown of account and service fees for all personal and business accounts.

*Fees effective January 1, 2026

Charges by Membership

MEMBERSHIPS	REGULAR MEMBERSHIP	YOUTH MEMBERSHIP (24 YRS AND YOUNGER)	SENIOR MEMBERSHIP (65 YRS AND OLDER)
Point-of-Sale (POS)	10 free/month then $0.35/transaction	●	●
The EXCHANGE Network ATM Withdrawals	●	●	●
The EXCHANGE Network ATM Deposits	●	●	●
CDN Interac ATM Withdrawals	$1	$1	$1
U.S ATM Withdrawals on EXCHANGE/ACCEL	$3	$3	$3
U.S ATM Withdrawals not on EXCHANGE/ACCEL*	$3	$3	$3
International ATM Withdrawals*	$5	$5	$5
Lost Debit Card Replacement	$5	$5	●
Interac e-Transfer (sending)	10 free/month then $1.50/transaction	●	●
Cheques Printed at Branch (book of 20)	$5	●	●
Paper Statements	$3	$3	●
Closing of Account Within 90 Days of Opening	$25	$25	$25
*Other financial institutions may charge a convenience fee

Additional Charges

ACCOUNT FEES	FEE
Cheque Image	$1/cheque
Cost to Recover Documents or Records	$35/hour min.
Duplicate Statement	$10
Duplicate T5	$10
Inactive/Dormant Account Years 2 - 9	$50/year
Unclaimed Account Years 10+	$75/year
Document Retrieval (offsite storage)	At cost
Estate Fees	At cost

CLEARING & CHEQUES	FEE
Official Cheque/Draft	$5
Money Order	$5
Certified Cheque – Member	$5
Certified Cheque – Non Member	$20
Stop Payment	$10
Stop Payment - Incomplete Details	$20
Return Item	$15
NSF Cheque/AFT	$45
Transfer to Cover Cheque/AFT	$5
One Time AFT	$25

WIRE TRANSFERS (CDN, USD, and International)	FEE
Incoming*	$15
Incoming – Incomplete Info	$35
Outgoing – Under $10,000	$25
Outgoing – $10,000-$50,000	$50
Outgoing – Over $50,000	$100
Amendments to Any Outgoing Wire Transfer	$30
Non-MTS Incoming	At Cost
*Excluding pensions

REGISTERED PLANS	FEE
RRSP, RRIF, TFSA, LRSP Transfer Out Fee	$100
Copy of Previously Issued Receipt	$10

SAFETY DEPOSIT BOX	FEE
Small Box (1.5" x 5")	$50/year
Medium Box (2.5" x 5")	$60/year
Large Box (5" x 5")	$100/year
Replace Key	$75
Drill Box	$300 min

LOAN DEPARTMENT	FEE
NSF Loan Payments	$45
Late Loan Payments	$25
Mortgage Statement	$50
Bridge Financing (with mortgage)	$300
Bridge Financing (without mortgage)	$500 min
Mortgage Discharge/Transfer Out/Administration Fee	$300/charge
Mortgage Pre-Approval	$100/application
PPSA Registration	$75
Blend & Extend on Closed Mortgages	$150
Credit Rating to Other Institutions	$25
Change of Amortization Schedule	$100
Amendments	$150
Commercial Credit Application & Set Up Fee	0.50% of balance
Commercial Annual Review	$500 min

Business Account Fees

In-Branch Services	FEES
Business Cheques (per 50 cheques)	$20
Cheque Binder	$12
Deposit Book	$15
Duplicate Statement	$10
Bank Confirmation	$20
Bank Verification of Certified Cheque or Bank Draft	$10
Certified Cheque	$10
Paper Statement	$5

Clearing and Cheques	FEES
Cheque Clearing	$0.50 per transaction
AFT	$0.50 per transaction
Point-of-Sale (POS)	$0.35 per transaction
The EXCHANGE Network ATM Withdrawals	FREE
The EXCHANGE Network ATM Deposits	FREE
CDN Interac ATM Withdrawals	$1
U.S ATM Withdrawals on EXCHANGE/ACCEL*	$3
U.S ATM Withdrawals Not On EXCHANGE/ACCEL*	$3
International ATM Withdrawals*	$5
Debit Card Replacement	$5
Interac e-Transfer (sending)	$1.50 per transaction
*Other financial institutions may charge a convenience fee