Personal Account Fee Changes
Personal Account Fee Changes come into effect on January 1, 2021. Click here for full details.
Personal Account Fee Changes
Personal Account Fee Changes come into effect on January 1, 2021. Click here for full details.
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 |
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 |
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.
Changes to Personal Accounts coming July 1, 2023.
We are changing select account features and service fees effective July 1, 2023. Click here for full details.
Cheque Orders |
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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 |
Cheque & Payment Processing |
|
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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 (27% 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 |
Dormant Accounts |
|
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No activity within 2 years (any balance) |
$50 annually |
Closing An Account
90 days or over
Under 90 days |
Free
$25 |
Mortgages & Loans |
|
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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 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 |
|
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Transferring Balance of Account |
$25 |
Network ATM & POS |
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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 |
|
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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 |
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:
|
$35/hour ($35 minimum) |
Interim statement produced at branch |
$3/monthly statement
|
Lost debit card replacement |
$5/card |
INTERAC® e-transfer
Receiving an e-transfer
Sending an e-transfer
|
Free
$1.50 |
Estate processing fee |
$150 |
Annual administration fee
Change of beneficiary
Transfer-out fee
Close RESP in first 90 days |
Free
Free
$55
$25 |
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)
Estate administration fee |
Free
$10
$55 $25
Free
$150 |
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) Full Withdrawal/Transfer Out/ De-Registration1
Partial Withdrawal/Transfer Out/De-Registration2 |
$45 + GST
$125 + GST
$35 + GST |
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 |
|
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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 |
Drafts |
|
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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) |
Wire Transfers1 |
|
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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 |
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:
Log into your digital banking or contact us at 1.888.517.7000 to check on the status of your account balance.
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.