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 Option
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.

Savings Accounts
The High-interest Savings Account	Monthly fee: None 2 transactions included² Additional transactions²: $5.00

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, and withdrawals. Deposits and self-serve transfers between Coast Capital Savings accounts are free.

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
Chargeback (deposited items returned unpaid)	$7.50
Overdrawing $US Savings/Chequing Accounts without a Line of Credit or exceeding limit on a $US Line of Credit	$5/item plus interest (21.75% per year)
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/Closing Accounts
Dormant Accounts (no activity within 2 years) Any balance	$50 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
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	$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	$2/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 Plans
Registered Education Savings Plans (RESPs) Annual administration fee (debited July 1st) Change of beneficiary Transfer-out fee Close RESP in first 90 days	Free Free $55 $25
Registered Retirement Investment Funds (RRIFs) 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 $150 (The Fee is inclusive of any office cheques and administration costs) Free
Registered Retirement Savings Plans (RRSPs) 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) First time homebuyers RRSP withdrawal Withdrawal of capital (full or partial)	Free $10 $55 $25 Free
Tax-free Savings Accounts (TFSAs) 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	$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
12 x 15	$412.50
Drilling boxes	Contact your branch for more information
Replacing safety deposit box key	$25

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 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

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.