Administrative fees
We keep our fees low so you can keep more of your money.
Accounts
Below is a list of our most common account fees.
Open an account | Free |
Full plan deregistration (RRSP, Spousal RRSP, LIRA, LRSP, LIF unlocking) | $100.00 |
Partial plan deregistration (RRSP, Spousal RRSP, LIRA, LRSP, LIF unlocking) | $50.00 |
Full plan deregistration (RESP) | Free |
Partial plan deregistration (RESP) | Free |
Lifelong learning plan (LLP) and Homebuyer’s plan (HBP) full deregistration | $50.00 |
Lifelong learning plan (LLP) and Homebuyer’s plan (HBP) partial deregistration | $25.00 |
Transfers & Withdrawals
Below is a list of fees for transfers and withdrawals. You’ll only be charged for these fees if and when you take these specific actions.
CAD$ electronic fund transfer (EFT) up to $50,000.00 1 | Free |
USD$ electronic fund transfer (EFT) up to $25,000.0 1 | Free |
CAD$ wire transfer | $20.00 |
USD$ wire transfer | $30.00 |
International wire transfer | $40.00 |
CAD$ and USD$ uncertified cheque | $50.00 |
Certified cheque 2 | $75.00 |
Stop payment | $25.00 |
NSF cheque/returned items | $30.00 |
Transfer out an account to another institution 3 | $150.00 |
Partial transfer of account to another institution 3 | $150.00 |
Estate settlement | $200.00/account |
Documents
The following fees are only charged when the specific action is taken. You may never see them on your monthly statement.
Electronic monthly statement (eStatement) | Free |
Copy of account statement | $20.00 |
Document retrieval | $20.00/document |
Duplicate tax document 1 | $20.00/tax slip |
Unclaimed property | $29.95/quarter |
Special courier (Canada) | $35.00 |
Special courier (US) | $70.00 |
Regular mail | $10.00 |
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