New terms & conditions for upcoming online and mobile banking tools are coming into effect November 15, 2017. Learn more.

Service Fees

 

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Service Fee Changes

There are some changes to products and service fees on May 1, 2017. Learn more.
Chequing Accounts  
The Free Chequing, Free Debit and More Account® Monthly fee: NoneUnlimited transactions1
Coast Chequing® Classic Package Monthly fee: $1140 transactions included1
Additional transactions1: $1.00
Coast Chequing® Prestige Package Monthly fee: $21Unlimited transactions1
Coast US Chequing Monthly fee: None1 transaction included1
Additional transactions1: $1.00

 

Savings Accounts  
The High-interest Savings Account Monthly fee: None10 transactions included2
Additional transactions2: $1.00

1. Transactions include cheques, Coast Capital Savings® and THE EXCHANGE® Network ATM withdrawals, Interac Direct Payment, preauthorized payments, bill payments, transfers (between Coast Capital Savings accounts), and withdrawals. Deposits and electronic transfers (between Coast Capital Savings accounts) Coast Capital Savings® ATM, Coast-by-Phone®, Coast Mobile® Banking and Coast Online® are free.
2. Transactions include Coast Capital Savings® and THE EXCHANGE® Network ATM withdrawals, Interac Direct Payment, preauthorized payments, bill payments, transfers (between Coast Capital Savings accounts), and withdrawals. Deposits are free.


Cheque Orders  
Personalized Single Cheques Quantity - 50 $35.84 Quantity - 100 $36.76 Senior, Classic & Prestige accounts Free
Personalized Duplicate Cheques Quantity - 50 $37.56 Quantity - 100 $40.25 Senior, Classic & Prestige accounts Free
US Cheques Price varies with exchange rate  
Cheque Image Retrieval1 Cheque cleared < 18 months requested in-branch $2 per cheque Cheque cleared < 18 months requested online Free Cheque cleared > 18 months $7.50/item

1. With some of our accounts, you can add an option to pay $0.50 per month and receive images of all your cheques with your statement. If you don't write any cheques, no fee will be charged.


Cheque & Payment Processing  
Overdraft Protection Usage Fee $5/month1 + interest charges
Overdrawing Savings/Chequing Accounts without Overdraft Protection or a Line of Credit $5/item + interest charges
Exceeding Limit on Line of Credit or Overdraft Protection $5/item + interest charges
Chargeback (deposited items returned unpaid) $7.50
NSF Due to Cheque or Pre-authorized Payment (PAP) If returned due to insufficient funds $48.00/item
Unqualified Clearing Items Cheque written in US funds on a Canadian chequing account $15 Cheque written on a savings account $10
Stop Payment $18

1. This fee will apply each month only if you make a transaction that either puts you into your overdraft or increases your overdraft balance. Subsequent increases in your overdraft balance for that particular monthly statement period will not incur additional usage fee charges.


Dormant Accounts/Closing Accounts  
Dormant Accounts(no activity within 2 years) Any balance $2/month
Closing An Account 90 days or over Free Under 90 days $25

 

Mortgages & Loans  
Appraisal Fee Contact your branch for more information
Mortgage Transfer-in (within policy guidelines) Free
Mortgage Transfer-out $75
Discharge Fee per Mortgage (provide a registerable discharge) $75
Discharge Fee per Assignment of Rent $30.50
Mortgage Assumption Fee $100
Mortgage Renewal $100
Mortgage Blend & Extend Fee $100
Security Registration (including renewals and collaterals) Contact your branch for more information
Loan/Mortgage Payment Suspension $25
Multi-Purpose Mortgage - Subsequent Advance $150

Other fees and costs may be applicable that would increase the total Cost of Credit and Annual Percentage Rate. Please contact us for full details.


Network ATM & POS  
Coast Chequing & Savings Packages The EXCHANGE® Free1 Interac® $2.50 each2 International ATM $5 each2 + 2.00% per transaction3 International POS – for Coast Chequing® Classic Package
and The High-interest Savings Account
$2.15 each2 + 2.00% per transaction3
International POS – for The Free Chequing, Free Debit And More Account®
and Coast Chequing® Prestige Package
2.00% per transaction3
Coast US Chequing Network ATM not available on this account

1. Transaction fees may apply on some packages.
2. Get 8 free non-Coast Capital Savings ATM withdrawals in Canada and abroad with the Coast Chequing Prestige Package account. 2.00% International ATM Administration fee still applies.
3. Additional fees may be charged by third parties as part of the transaction amount. International ATM or POS Fee: 2% administration fee on transaction amount. The ‘transaction amount’ we use to calculate the commission is the amount of the POS or ATM request we receive and pay from your account to settle your international ATM or POS transaction. The ATM or POS request we receive is in Canadian dollars. Any currency conversion to calculate the Canadian dollar transaction amount is done by a third party in the electronic network your debit request comes through on. We do not set the rates for or complete those currency conversions. Fees or commissions of third parties involved in processing your international ATM or POS transaction may also be included in the transaction amount.
4. Surcharges from other financial institution ATMs may apply.
® Trade-Mark of Interac Inc. Used under licence.


Other Banking Services  
Bill Payment Reversal (done via Coast-by-Phone®/Coast Online®) Same day before 2pm Free Same day after 2pm $15 each
Foreign Currency Buying and selling, excluding US and UK $5
Phone Transfers Between Chequing & Savings Accounts Via Coast-by-Phone automated service Free
Transferring Balance Of Account Including office cheque fee $25
International Direct Payment Coast Chequing Prestige/Free Chequing, Free Debit and More Account 2.00% per transaction All other accounts $2.15 each + 2.00% per transaction
Paper Statements The Free Chequing, Free Debit and More Account®1 $2/membership per month Coast US Chequing1 $2 US/membership per month
Information Search and Statement Replacement Member information Requests/Searches:
  • Information retrievals
  • Statement replacement through archives
  • Account information letters
  • Bank confirmations – from accountant/auditor
$35/hour ($35 minimum)
Interim statement produced at branch $2/monthly statement
Coin Orders Per roll 15¢
Lost ATM card replacement $5

1. Memberships which contain a Coast Chequing® Classic Package or a Coast Chequing® Prestige Package will not be charged this fee.


Registered Plans  
Registered Education Savings Plans (RESPs) Annual administration fee (debited July 1st) $25 + GST Change of beneficiary Free Transfer-out fee $55 Close RESP in first 90 days $25
Registered Retirement Investment Funds (RRIFs) Account setup and ongoing administration Free Replace tax receipt $10 Closing or transfer-out fee $55
Registered Retirement Savings Plans (RRSPs) Account setup and ongoing administration Free Replace tax receipt $10 Closing or transfer-out fee
(Fixed terms only at maturity excluding those transferred to a Coast RRIF or annuity)
$55
Self-Directed RRSPs/RRIFs Annual Administration Fee
(Fee waived if approved products > $75,000 and held at Coast Capital Savings or
if Coast Chequing Prestige account holder)
$45 + GST
Full Withdrawal/Transfer Out/ De-Registration1 $125 + GST Partial Withdrawal/Transfer Out/De-Registration2 $35 + GST
Tax-free Savings Accounts (TFSAs) Closing or transfer-out fee $55

1. Effective June 1, 2014
2. Effective June 1, 2014, excludes recurring automatic withdrawals.


Safety Deposit Boxes (GST included) 1 2  
1.5 x 5 $48.75
2.5 x 5 $65.63
5 x 5 $92.81
2 x 10 $92.81
5 x 10 $169.69
10 x 10 $285.94
12 x 15 $330.00
Drilling boxes Contact your branch for more information
Replacing safety deposit box key $20

1. Sizes and availability vary by branch.
2. Get $10 off if you are a senior or have a Coast Chequing Classic Package account, or get $15 off with a Coast Chequing Prestige Package account.


Drafts  
Office Cheques/Certified Cheques Members $10.00 Non-members $15 Junior, Senior, Classic & Prestige accounts Free
US Drafts Junior, Senior, Classic & Prestige accounts Free All other accounts $7.50 (CAD)
Foreign Drafts Prestige accounts Free All other accounts $7.50 (CAD)

 

Wire Transfers1  
Incoming Wires Under $500 CAD Free $500 CAD and over $10
Outgoing Wires To other Canadian financial institution $20 To international financial institution (under $10,000 CAD) $25 To international financial institution ($10,000 CAD and over) $40
Recalls or Amendments(waived if error by Coast Capital Savings or funds not received) $50
Returns $10

1. All wire transfer fees are charged in Canadian dollars.