Additional service fees and sundry charges
| Items charged back |
$6.00 |
| NSF cheques and loan payments |
$45.00 |
| Overdraft handling - unauthorized overdrafts |
$5.00 minimum per item |
| U.S. item deposited as Canadian item |
$15.00 |
| Bank confirmation to auditor (GST included) |
$25.00 |
| Posting of non-encoded item (E.g. cleared counter cheque) |
$5.00 |
| Printed monthly statement with cheque images mailed |
$2.00/month |
| Transaction history printed and faxed |
$1.00 per page |
| Transaction tracing or recall |
$15.00 |
| Canadian drafts |
$7.50 |
| Post-dated cheques held for deposit |
$3.00 per item |
| Cash withdrawals outside Canada (Cirrus)2 |
US $3.00 |
| Sending Interac® e-Transfer |
$1.00 per transfer |
| Receiving Interac e-Transfer |
Free |
Placement of stop payment
|
Complete details
|
$15.00 |
| Incomplete details |
$20.00 |
| Account closure and transfers |
| Within 90-days of opening |
$15.00 |
| RRSP plan within one year of opening |
$50.00 |
| RRSP transferred to another financial institution in full or in part |
$50.00 |
| TFSA plan within one year of opening |
$50.00 |
| TFSA plan transferred to another financial institution in full or in part |
$50.00 |
| Balance transfer fee to another financial institution |
$20.00 |
Photocopy retrieval and tracing fees3
|
| Item posted to account up to two years ago (Minimum charge $40.00 + $1.00 per item) |
$40.00/hour |
| Item posted to account over two years ago (Ask Motive staff for more details) |
Negotiable |
| Item deposited to account (Minimum charge $40.00 + $75.00 per item) |
$40.00 |
| Inactive account charge5 |
| Two year |
$20.00 |
| Five year |
$30.00 |
| Nine year |
$40.00 |
Collections
|
| Clean |
$20.00 |
| Documentary |
$25.00 |
1- Withdrawals include online bill payments, Automated Teller Machine (ATM) withdrawals, Interac® Direct Purchase payments, Interac e-Transfers, electronic funds transfers to another financial institution, automatic payments and other electronic debits.
2- ATM owner may levy a transaction maintenance fee. This fee is the responsibility of the card holder.
3- Subject to surcharge from 3rd party clearing institution.
4- An additional withdrawal fee will apply if the e-transfer exceeds the number of included withdrawals per month.
5- A monetary transaction is required to keep an account active. Interest accrual is not considered a monetary transaction.