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Service fee changes
We periodically review our products and services and have made changes to ensure that we continue to provide a great experience to our members. We're changing some of our products and service fees starting October 1, 2019.
What's changing?
- Removal of debit card replacement fee
- Removal of roll-coin purchase fee
- Increase estate administration fee to $150. The fee is inclusive of any office cheques and administration costs.
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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 |
As a federal credit union, we are publicly committed to ensuring all Canadians have access to basic banking services at a nominal cost through a low-cost account, including free paper statements. If you identify as a student, youth, Guaranteed Income Supplement recipient, or Registered Disability Savings Plan (RDSP) beneficiary, you are also eligible for free paper statements for your Free Chequing, Free Debit, and More Account, upon request. Call our Contact Centre or visit a branch to find out more information.
Monthly fee: None
2 transactions included2 Additional transactions2: $5.00 |
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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, and withdrawals. Deposits and self-serve transfers between Coast Capital Savings accounts are free.
Cheque Orders |
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|---|---|
Personalized Single Cheques
Quantity - 50
Quantity - 100
Senior, Classic & Prestige accounts
Pricing available via branches and the Contact Centre
Pricing available via branches and the Contact Centre
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. |
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Personalized Duplicate Cheques
Quantity - 50
Quantity - 100
Senior, Classic & Prestige accounts |
Pricing available via branches and the Contact Centre
Pricing available via branches and the Contact Centre
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 |
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
Cheque written on a savings account |
$15
$10 |
Stop Payment |
$18 |
|
Cashing cheque (non-member) |
$5 |
Dormant Accounts/Closing Accounts |
|
|---|---|
Dormant Accounts
(no activity within 2 years)
Any balance |
$2/month
Starting January 1, 2019: $35 annually |
Closing An Account
90 days or over
Under 90 days |
Free
$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 |
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|---|---|
Coast Chequing & Savings Packages
The EXCHANGE®
Interac®
International ATM
International POS – for Coast Chequing® Classic Package
International POS – for The High-interest Savings Account International POS – for The Free Chequing, Free Debit And More Account® and Coast Chequing® Prestige Package |
Free1
$2.50 each2
$5 each2 + 2.00% per transaction3
$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 surcharge |
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
Same day after 2pm |
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 |
International Direct Payment
Coast Chequing Prestige/Free Chequing, Free Debit and More Account
All other accounts |
2.00% per transaction
$2.15 each + 2.00% per transaction |
Paper Statements
The Free Chequing, Free Debit and More Account®1
Coast US Chequing1 |
$2/membership per month
$2 US/membership per month |
Information Search and Statement Replacement
Member information Requests/Searches:
|
$35/hour ($35 minimum) |
Interim statement produced at branch |
$2/monthly statement
|
Lost debit card replacement |
$5/card |
INTERAC® e-transfer
Receiving an e-transfer
Sending an e-transfer
|
Free
$1.50 |
|
Annual administration fee
(debited July 1st)
Change of beneficiary
Transfer-out fee
Close RESP in first 90 days |
Free
Free
$55
$25 |
|
Account setup and ongoing administration
Replace tax receipt
Closing or transfer-out fee
Estate administration fee
Withdrawal of capital (full or partial) |
Free
$10
$55
$25+$15/cheque (waived if spouse is beneficiary)
Free |
|
Account setup and ongoing administration
Replace tax receipt
Closing or transfer-out fee
(Fixed terms only at maturity excluding those transferred to a Coast RRIF or annuity) Estate administration fee
First time homebuyers RRSP withdrawal
Withdrawal of capital (full or partial) |
Free
$10
$55 $25+$15/cheque (waived if spouse is beneficiary)
$25
Free |
|
Account setup and ongoing administration
Closing or transfer-out fee upon maturity (if applicable)
Estate administration fee |
Free
$55
$150(The fee is inclusive of any office cheques and administration costs) |
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 |
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
Non-members
Junior, Senior, Classic & Prestige accounts |
$10.00
$15
Free |
US Drafts
Junior, Senior, Classic & Prestige accounts
All other accounts |
Free
$7.50 (CAD) |
Foreign Drafts
Prestige accounts
All other accounts |
Free
$7.50 (CAD) |
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 |
* Additional fees will be deducted by the intermediary financial institution on all outgoing and incoming wire transfers.
