| Item | Fee |
| Deposits |  |
| Fund transfer | No charge |
| Direct deposit | No charge |
Cheque
(via Royal Bank or THE EXCHANGE®) | $2.00 |
| Automated Bank Machine (ABM) deposits | $2.00 |
| Withdrawals | |
| Cheque | $1.50 |
| Bill payment | $0.50 |
| Pre-authorized payment | No charge |
| ABM withdrawal | · $1.25 in Canada
· $2.50 outside Canada |
| Access Card use (direct debit payment) | $0.50 |
| ABM convenience fee | Varies and is changed at source by independent operators and most major banks. |
| Other charges | |
| Monthly statement | $1.00/month (mailed) |
| Duplicate statement | $2.00 (mailed) |
| Foreign funds | $10.00 (to process cheques written in foreign currency or to return a foreign deposit) |
| NSF item processing | · $35.00 (if returned)
· $5.00 (if paid – overdraft interest applies) |
| Official cheque | $6.00 (customer request) |
| Outgoing cheque collection | $50.00 |
| Overdraft interest rate | 21% (per annum rate, calculated monthly on daily closing balances in excess of maximum account limit.) |
| Personalized cheques | Re-order cost depends on number selected. |
| Search/Notice | · $5.00 (items processed within the past 90 days)
· $10.00 (items processed more than 90 days ago)
· $15.00/hour (detailed recap of account transactions)
· $10.00 (confirmation of account/audit confirmation)
· $15.00 (bill payment investigation/refunds) |
| Stop payment | $10.00 |
| Transfer | · No charge (client initiated)
· $5.00 (Manulife Bank initiated to avoid NSF charge) |
| Using a non-MICR encoded cheque (e.g. photocopy) | $10.00 |
| Wire transfer (other Bank charges may also apply) | · $25.00 ($10,000 or less)
· $40.00 ($10,001 - $50,000)
· $50.00 ($50,001+)
· $10.00 (incoming wire transfer) |
