Coast Capital Savings - Personal Service Fees

Service Fees

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Chequing Accounts
The Free Chequing, Free Debit and More Account®	Monthly fee: None Unlimited transactions¹
Coast Chequing® Classic Package	Monthly fee: $11 40 transactions included¹ Additional transactions¹: $1.00
Coast Chequing® Prestige Package	Monthly fee: $21 Unlimited transactions¹
Coast US Chequing	Monthly fee: None 1 transaction included¹ Additional transactions¹: $1.00

Low-Cost Account: Our Free Chequing, Free Debit & More Account meets our public commitment to ensure that members have access to basic banking services at a nominal cost. If printed statements are requested instead of eStatements, this account costs $3/month. If you are a student, youth, Guaranteed Income Supplement recipient, or Registered Disability Savings Plan (RDSP) beneficiary, you may request printed statements at no charge. Call our Advice Centre or visit a branch to find out more information.

Transactions include cheques drawn on the account, Coast Capital® and THE EXCHANGE® Network ATM withdrawals, Interac Direct Payment, pre-authorized payments, bill payments, transfers (between Coast Capital accounts), and withdrawals (in-branch/self serve). Deposits and electronic transfers (between Coast Capital accounts) performed via Coast Capital ® ATM, Coast-by-Phone®, and Coast Capital digital banking are free and unlimited.

Savings Accounts
High-Interest Savings Account	Monthly fee: None 2 transactions included¹ Additional transactions¹: $5.00

Transactions include Coast Capital and THE EXCHANGE® Network ATM withdrawals, Interac Direct Payment, pre-authorized payments, in branch transfers (between Coast Capital accounts), bill payments and withdrawals (in branch/self serve). Deposits and electronic transfers (between Coast Capital accounts) performed via Coast Capital ATM, Coast-by-Phone® , and Coast Capital digital banking are free and unlimited.

Cheque Orders
Personalized Single Cheques Please see the D+H price catalogue for current cheque order pricing. Senior, Classic & Prestige accounts receive certain personalized cheque orders for free. To re-order the same cheques, you can order directly from D+H online, or contact them at 1.877.448.1294 (toll-free) for the automated reorder option or to speak to a D+H agent. For first time cheque orders, you can order through Online Banking.
Personalized Duplicate Cheques Please see the D+H price catalogue for current cheque order pricing. Senior & Prestige accounts receive certain personalized cheque orders for free.
US Cheques Price varies with exchange rate
Cheque Image Retrieval¹ Cheque cleared < 18 months requested in-branch Cheque cleared < 18 months requested online Cheque cleared > 18 months	$2 per cheque Free $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 plus interest (21% per year)
Overdrawing Savings/Chequing Accounts without Overdraft Protection or a Line of Credit	$5/item plus interest (prime + 18% per year)²
Exceeding Limit on Line of Credit or Overdraft Protection	$5/item plus interest (prime + 18% per year)²
Overdrawing $US Chequing Accounts	$5/item plus interest (26.5% per year – based on Coast Capital US Base + 18%)²
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 Cheque written on a savings account	$15 $10
Stop Payment	$18
Cashing cheque (non-member)	$5

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.

2. For specific information regarding our current interest rates, visit our Rates Page or call our Advice Centre at 1.888.517.7000

Dormant Accounts
No activity within 2 years (any balance)	$50 annually

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
Mortgage Assumption Fee	$100
Mortgage Auto-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
Interest Advice Form	$15

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.

Transferring Balance of Account
Transferring Balance of Account	$25

Network ATM & POS
Coast Chequing & Savings Accounts The EXCHANGE® Interac® International ATM International POS – for Coast Chequing® Classic Account International POS – for The High-interest Savings Account International POS – for The Free Chequing, Free Debit And More Account® and Coast Chequing® Prestige Account	Free¹ $2.50 each^2,4 $5 each² + 2.00% per transaction^3,4 $2.15 each² + 2.00% per transaction³ $5 each² + 2.00% per transaction³ 2.00% per transaction³
Coast US Chequing	Network ATM not available on this account
CCS ATM withdrawal (non-member)	$3.50 surcharge⁴

1. Transaction fees may apply on some accounts.
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 PT Same day after 2pm PT	Free $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
Paper Statements The Free Chequing, Free Debit and More Account®¹ Coast US Chequing¹	$3/membership per month $3 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	$3/monthly statement
INTERAC^® e-transfer Receiving an e-transfer Sending an e-transfer	Free $1.50
Estate processing fee	$150

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

Registered Accounts
Registered Retirement Investment Funds (RRIFs) Account setup and ongoing administration Replace tax receipt T2033 transfer out fee (full or partial) Estate administration fee Withdrawal of capital (full or partial)	Free $10 $55 $150 Free
Registered Retirement Savings Plans (RRSPs) Account setup and ongoing administration Replace tax receipt T2033 transfer out fee (full or partial) First time homebuyers RRSP withdrawal Withdrawal of capital (full or partial) Estate administration fee	Free $10 $55 $25 Free $150
Tax-Free Savings Accounts (TFSAs) Account setup and ongoing administration T2033 transfer out fee (full or partial) Estate administration fee	Free $55 $150

Safety Deposit Boxes (GST included) ^{1 2}
1.5 x 5	$60.00
2.5 x 5	$80.00
5 x 5	$115.00
2 x 10	$115.00
5 x 10	$215.00
10 x 10	$350.00
Drilling boxes	Contact your branch for more information
Replacing safety deposit box key	$25

1. Sizes and availability vary by branch.
Safety deposit box rental charges are for the period January 1 to December 31. Payments are due on January 1 of each year.
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.

Wire Transfers¹
Incoming Wires* Under $500 CAD $500 CAD and over	Free $10
Outgoing Wires* To other Canadian financial institution To international financial institution (under $10,000 CAD) To international financial institution ($10,000 CAD and over)	$20 $25 $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.

* Additional fees will be deducted by the intermediary financial institution on all outgoing and incoming wire transfers.

Drafts
Office Cheques/Certified Cheques Members Non-members Juniors, seniors and those with a Coast Chequing Classic or Prestige Account	$10.00 $15 Free
US Drafts Juniors, seniors and those with a Coast Chequing Classic or Prestige Account All other accounts	Free $7.50 (CAD)
Foreign Drafts Coast Chequing Prestige Accounts All other accounts	Free $7.50 (CAD)

Utilizing Coast Alerts to help avoid charges or penalties.

Alerts are an important way to help you manage your finances responsibly and avoid unnecessary fees

If a transaction overdraws your account and/or exceeds your credit limit, several fees can occur:

Accumulating negative interest charges when a balance falls below zero or exceeds credit limit, plus
An additional payment processing charge per item that overdraws an account and/or exceeds credit limit, and
A non-sufficient funds (NSF) charge per returned cheque and/or pre-authorized payment

Log into your digital banking or contact us at 1.888.517.7000 to check on the status of your account balance.

If you have a positive available balance, you can avoid unnecessary charges or fees by ensuring all anticipated debits will be covered by the funds available in your account and/or credit limit. Consider making a deposit if anticipated debits exceed the balance available in your account and/or credit limit. Please be aware, cheques deposited are subject to our Hold Funds Policy which may impact the availability of funds. All deposits are subject to verification of the source of funds and to our policies on the acceptance of deposits.
If you have a negative available balance, you may avoid interest charges causing the account to be overdrawn further if a deposit is made, bringing the account balance to zero/or within your credit limit, on the same day before close of business. Please be aware, cheques deposited are subject to our Hold Funds Policy which may impact the availability of funds. All deposits are subject to verification of the source of funds and to our policies on the acceptance of deposits.

To avoid further charges and for additional support, contact us at 1.888.517.7000 to schedule a Money Chat with one of our team of experts to find the right solutions for you and your goals.