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.

  1. 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.



Monthly fee: None
2 transactions included1
Additional transactions1: $5.00
  1. 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 (25.5% 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 each2,4
$5 each2 + 2.00% per transaction3,4
$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.
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
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)

Free
$10
$55

$25
Free
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.

  1. 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.
  2. 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.