Service Charges
Icing on the cake shouldn't cost a fortune. We want to help you find the account that gives you what you want without spending more than you need to.
| Category | Description | Fee |
|---|---|---|
| Balance of Account | Transfering a Prospera account balance to another financial institution | $25.00 |
| Change of Signers | Per change after the first one in a given year | $25.00 |
| Clearing | Chargeback - 3rd party cheque Unencoded/unqualified items US Funds drawn on CDN account NSF cheque or pre-authorized payment stop payments tracing/ bill payments (< 1 year) tracing/ bill payments (1+ year)/hr non member cheque cashing cleared item search < 1 yr for PCU and <90 days for WM cleared items search over 1 yr for PCU and 90+ days WM |
$7.50 $5.00 $10.00 $45.00 $12.50 $15.00 $40 /hr $15.00 $5.00 $40/hr |
| closing accounts less than 3 months | personal & business | $25.00 |
| Collections | On-site collections Held for collection (10 days) Cheque sent on collection (any fees from other institutions excluded |
$25.00 $35.00 $35.00 |
| Dormant account | (inactive for 12 months) | $5 per month |
| Bank Draft for USD or foreign Currency | Bank Draft for USD or foreign Currency | $10.00 |
| EFT for Businesses | Set up fee auto release manual release Add another originator id credit union transaction other FI transaction mass error correction |
$150.00 $60.00 $10.00 $75.00 $0.00 $0.00 $10.00 |
| Wire Transfers | Incoming Outgoing |
$12.00 $20.00 |
| Letters | bank confirmation, immigration, interest | $25.00 |
| Membercard | replacement of lost membercard | $5.00 |
| Night Depository | unlocked bag (per year to rent) annual key charge (if applicable) 100 plastic bags replacement key |
$10.00 $10.00 Small $30 for 100, Large $55 for 100 15 + GST |
| Official Cheque | $10.00 | |
| Photocopies | per sheet | $0.50 |
| Post Dated held for deposit | per item | $5.00 |
| Registered Product Fees *closed within 6 months for PCU and 12 months for WMS |
RRSP/ RESP/ RRIF closed * Self directed RRSP/ RRIF closed * Self directed annual plan adminstration fee (waived if more than $50.00 in MF) |
$100.00 $100.00 $100.00 |
| Transfer Out Fees | RRSP/RRIF/RESP T2033 TFSA Transfer Out - partial and full Self-directed Plan Balance - partial and full |
$50.00 50 partial; $100 full $50.00 |
| RESP | T4 Annual Fee |
$0.00 $0.00 |
| Safety Deposit Box * not available at all locations |
Extra Small Small Medium Large Extra Large Extra Extra Large Lock Drilling (member lost keys) Key replacement |
$40.00 $55.00 $75.00 $85.00 $140.00 $245.00 $25 + Cost $15.00 |
| Statements | hold statement for member pickup in branch | $10.00 |
| Stop Payments | $15.00 | |
| Tax Receipts | copies | $5.00 |