Service Fees
- Chequing Accounts
- Savings Accounts
- Cheque Orders
- Cheque and Payment Processing
- Dormant Accounts
- Mortgages and Loans
- Transferring Balance of Account
- Network ATM & POS
- Other Banking Services
- Registered Accounts
- Safety Deposit Boxes
- Drafts
- Wire Transfers
- Utilizing Alerts to help avoid charges or penalties
- Business Service Fees
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Sunshine Coast Financial and Coast Capital are part of the Coast Capital Savings Federal Credit Union family of brands. Our service fees apply to the Sunshine Coast Financial and Coast Capital brands.
Fee |
|
|---|---|
Unlimited Chequing Account |
Monthly fee: $8.50
Unlimited transactions1, including e-Transfers
Fee waived if you’re 59 years of age or older, or 25 years and younger, or maintain a minimum $4,000 daily balance at all times throughout the calendar month.
Or get $5 off the monthly fee (pay $3.50/month) when you set up and deposit monthly payroll or another eligible direct deposit into the account.2 |
Elevate Chequing Account |
Monthly fee: $16.95
Unlimited transactions1, including e-Transfers
Fee reduced to $8.50 if you’re 59 years of age or older, or 25 years and younger, or maintain a minimum $4,000 daily balance at all times throughout the calendar month.
Or get $5 off the monthly fee (pay $11.95/month) when you set up and deposit monthly payroll or another eligible direct deposit into the account.2 |
|
The Free Chequing, Free Debit and More Account® |
Monthly fee: None
Unlimited transactions1
Learn how Free Chequing is our low cost and no cost account solution. |
[Legacy – No longer offered] Chequing® Classic Package |
Monthly fee: $11
Fee waived if you’re 59+ years old
40 transactions included1 Additional transactions1: $1.00 |
[Legacy – No longer offered] Chequing® Prestige Package |
Monthly fee: $21
Fee $10.50 if you’re 59+ years old
Unlimited transactions1 |
US Chequing |
Monthly fee: None
1 transaction included1 Additional transactions1: $1.00 |
Low-Cost Account: Our Free Chequing, Free Debit and More Account meets our public commitment to ensure that members have access to basic banking services at a nominal cost. If paper statements are requested instead of eStatements, this account costs $3/membership per month. If paper cheque image returns are requested, this cost is $0.50/account per month, and you will receive images of all your cheques with your statement. If you don't write any cheques, no fee will be charged.
No-Cost Account: If you identify in one of the Eligible Groups (noted below), you can open our Free Chequing, Free Debit & More Account and access a No-Cost account that meets the minimum requirements as outlined in the FCAC guidelines. Paper printed statements and paper cheque image return will be at no charge. Call our Advice Centre or visit a branch for more information.
Eligible Groups for No-Cost Account: Students, Youth (Canadians aged 18 and under), Seniors receiving the Guaranteed Income Supplement, Registered Disability Savings Plan (RDSP) beneficiary, Newcomers to Canada (for 1st year in Canada), Indigenous peoples, Canadians receiving social assistance payments from select provincial or territorial programs or Recipients of the Disability Tax (DTC).
1. Transactions include cheques drawn on the account, THE EXCHANGE® Network ATM withdrawals, Interac Direct Payment, pre-authorized payments, bill payments, transfers (between Coast Capital Savings Federal Credit Union accounts), and withdrawals (in-branch/self serve). Deposits and electronic transfers (between Coast Capital Savings Federal Credit Union accounts) performed via ATM, Phone, and digital banking are free and unlimited.
2. Eligible payroll or direct deposit transaction codes include: Payroll (200-207), Pension (230-233, 310-312, and 315-316), certain Government Payments (308, 313, 318, 326-328 and 600-607), or deposits from employers approved by Coast Capital Savings Federal Credit Union (Doordash, Skip the Dishes, Uber, Uber Eats, Lyft, Avon, Youngliving, Fantuan Asian Food Delivery).
Fee |
|
|---|---|
Monthly fee: None
2 transactions included1 Additional transactions1: $5.00 |
1. Transactions include cheques drawn on the account, THE EXCHANGE® Network ATM withdrawals, Interac Direct Payment, pre-authorized payments, bill payments, transfers (between Coast Capital Savings Federal Credit Union accounts), and withdrawals (in-branch/self serve). Deposits and electronic transfers (between Coast Capital Savings Federal Credit Union accounts) performed via ATM, Phone, and digital banking are free and unlimited.
Cheque Orders |
Fee |
|---|---|
Personalized Duplicate Cheques
Please see the D+H price catalogue for current cheque order pricing.
|
|
US Cheques
Price varies with exchange rate |
|
Cheque Image Retrieval1: Cheque cleared ≤ 18 months requested in-branch |
$2 per cheque |
Cheque Image Retrieval1: Cheque cleared ≤ 18 months requested online |
Free |
Cheque Image Retrieval1: Cheque cleared > 18 months |
$7.50/item |
Personalized Single Cheques
Please see the D+H price catalogue for current cheque order pricing.
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. |
1. With the Free Chequing, Free Debit and More Account® 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. This benefit is included for free with the Unlimited and Elevate Chequing Accounts.
Cheque & Payment Processing |
Fee |
|---|---|
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 (25.5% per year – based on Coast Capital Savings Federal Credit Union 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 |
$10.00/account* |
Unqualified Clearing Items: Cheque written in US funds on a Canadian chequing account |
$15 |
|
Cashing cheque (non-member) |
$5 |
Unqualified Clearing Items: Cheque written on a savings account |
$10 |
Overdraft Protection Usage Fee |
$5/month1 plus interest (21% per year) |
Stop Payment |
$18 |
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 1.800.320.4588
*Your account will not be charged an NSF fee if it is overdrawn by less than $10. Sunshine Coast Financial, Prospera or Coast Capital We may choose to process or decline such payments. For USD Accounts, the NSF charge will be presented in USD ($10 CAD equivalent) and will vary based on prevailing CCS exchange rate.
Frequency restriction on NSF: NSF fees will not be charged on an account more than once within a 2-business day period.
Dormant Accounts |
Fee |
|---|---|
No activity within 2 years (any balance) |
$50 annually |
Mortgages & Loans |
Fee |
|---|---|
Mortgage Transfer-in
(within policy guidelines) |
Free |
Mortgage Transfer-out |
$75 |
Discharge Fee per Mortgage
(provide a registerable discharge) |
$75 |
Mortgage Assumption Fee |
$100 |
Mortgage Auto-Renewal |
$100 |
Mortgage Blend & Extend Fee |
$250 |
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 |
Appraisal Fee |
Contact your branch for more information |
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 |
Fee |
|---|---|
Transferring Balance of Account (only available for requests received from other financial institutions) |
$25 |
Network ATM & POS |
Fee |
|---|---|
Chequing & Savings Accounts
The EXCHANGE® Network (Canada) |
Free1 |
The EXCHANGE® Network (Canada)
ATM withdrawals for The High-interest Savings Account |
$5.00 each |
Interac® Network (Canada) |
$2.50 each2 |
International ATM |
$5 each3 + 2.00% per transaction4 |
International POS – for The High-interest Savings Account |
$5 each + 2.00% per transaction4 |
International POS – for The Free Chequing, Free Debit And More Account®, Unlimited Chequing Account and Elevate Chequing Account |
2.00% per transaction4 |
US Chequing |
Network ATM not available on this account |
|
ATM withdrawal (non-member) |
$3.50 surcharge5 |
1. Transaction fees may apply on some accounts.
2. The Elevate Chequing Account waives its fee for up to two (2) Interac® network ATM transactions per month for transactions initiated within Canada. Surcharges from other financial institution ATMs may apply.
3. The Elevate Chequing Account waives its fee for up to three (3) international ATM transactions per year for transactions initiated outside Canada. Additional 2.00% international ATM administration fee still applies. The international ATM administration fee is a commission calculate based on the amount of the ATM request and is paid from your account to settle your international ATM transaction. The ATM request 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 ATM 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 transaction may also be included in the transaction amount per month for transactions initiated within Canada.
4. 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.
5. Surcharges from other financial institution ATMs may apply.
Interac® Trade-Mark of Interac Inc. Used under licence.
Other Banking Services |
Fee |
|---|---|
Bill Payment Reversal (done via Phone/Digital Banking)
Same day before 2pm PT |
Free |
Bill Payment Reversal (done via Phone/Digital Banking)
Same day after 2pm PT |
$15 each |
Foreign Currency
Buying and selling, excluding US and UK |
$5 |
Phone Transfers Between Chequing & Savings Accounts
Via Phone automated service |
Free |
Transferring Balance Of Account
Including office cheque fee |
$25 |
Paper Statements: The Free Chequing, Free Debit and More Account®1 |
$3/membership per month |
Paper Statements: US Chequing |
$3 US/membership per month |
Paper Statements: Unlimited and Elevate Chequing Accounts |
Free monthly statement |
Paper Statements: High-Interest Savings Account |
1 Free annual statement |
Information Search and Statement Replacement
Member information Requests/Searches:
|
$35/hour ($35 minimum) |
Interim statement produced at branch |
$3/monthly statement
|
INTERAC® e-transfer: Receiving an e-transfer |
Free |
INTERAC® e-transfer: Sending an e-transfer |
$1.50 Or free with Unlimited and Elevate Chequing Accounts |
Estate processing fee |
$150 |
No-Cost Account: If you identify in one of the Eligible Groups (noted below), you can open our Free Chequing, Free Debit & More Account and access a No-Cost account that meets the minimum requirements as outlined in the FCAC guidelines. Paper printed statements and paper cheque image return will be at no charge. Call our Virtual Advice Centre or visit a branch for more information.
Eligible Groups for No-Cost Account: Students, Youth (Canadians aged 18 and under), Seniors receiving the Guaranteed Income Supplement, Registered Disability Savings Plan (RDSP) beneficiary, Newcomers to Canada (for 1st year in Canada), Indigenous peoples, Canadians receiving social assistance payments from select provincial or territorial programs or Recipients of the Disability Tax (DTC).
Fee |
|
|---|---|
RRIFs: Account setup and ongoing administration |
Free |
RRIFs: Replace tax receipt |
$10 |
RRIFs: T2033 transfer out fee (full or partial) |
$55 |
RRIFs: Withdrawal of capital (full or partial) |
Free |
RRSPs: Account setup and ongoing administration |
Free |
RRSPs: Replace tax receipt |
$10 |
RRSPs: T2033 transfer out fee (full or partial) (Fixed terms only at maturity, excluding those transferred to a RRIF or annuity) |
$55 |
RRSPs: First time homebuyers RRSP withdrawal |
$25 |
RRSPs: Withdrawal of capital (full or partial) |
Free |
TFSAs: Account setup and ongoing administration |
Free |
TFSAs: T2033 transfer out fee (full or partial) upon maturity (if applicable) |
$55 |
FHSA: Account setup and ongoing administration |
Free |
FHSA: T2033 transfer out fee (Full or Partial) upon maturity (if applicable) |
$25 |
FHSA: Qualified withdrawal to non-Coast Capital Savings Federal Credit Union mortgage |
$55 |
Estate Administration
Processing fee for all registered accounts (one-time fee) |
$150 |
Safety Deposit Boxes (GST included) 1,2 |
Fee |
|---|---|
1.5 x 5 |
$60.00 |
2.5 x 5, 3.25 x 5, 4 x 5 |
$80.00 |
5 x 5 |
$115.00 |
2 x 10 |
$115.00 |
5 x 10 |
$215.00 |
10 x 10 |
$350.00 |
Drilling boxes |
Contact your branch for more information |
Replacing safety deposit box key |
$25 |
1. Sizes and availability vary by branch. Safety deposit box rental charges are for the period January 1 to December 31. Payments are due on January 1 of each year.
2. Get $10 off if you are 59 years of age or older.
Drafts |
Fee |
|---|---|
Office Cheques/Certified Cheques: Members |
$10 |
Office Cheques/Certified Cheques: Non-members |
$15 |
Office Cheques/Certified Cheques: Free if you’re 59 years of age or older, or 18 years of age and younger |
Free |
US Drafts (CAD): Free if you’re 59 years of age or older, or 18 years of age and younger |
Free |
US Drafts (CAD): All other accounts |
$10 (CAD) |
Foreign Drafts (CAD): All accounts |
$10 (CAD) |
Wire Transfers (all fees are in Canadian dollars)1 |
Fee |
|---|---|
Incoming Wires1: Under $500 CAD |
Free |
Incoming Wires1: $500 CAD and over |
$15 |
Outgoing Wires1: To other Canadian financial institution |
$30 |
Outgoing Wires1: To international financial institution (under $10,000 CAD) |
$35 |
Outgoing Wires1: To international financial institution ($10,000 CAD and over) |
$45 |
Recalls or Amendments
(waived if error by Coast Capital Savings Federal Credit Union or funds not received) |
$50 |
Wire Returns2 |
$10 |
1. Incoming wires fee is posted in Canadian dollars or the equivalent in US dollars. Additional charges will be deducted by the intermediary financial institution on all outgoing and incoming wire transfers.
2. Wire transfer returns are posted in Canadian dollars or the equivalent in US dollars.
Utilizing 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:
- Accumulating negative interest charges when a balance falls below zero or exceeds credit limit, plus
- An additional payment processing charge per item that overdraws an account and/or exceeds credit limit, and
- A non-sufficient funds (NSF) charge per returned cheque and/or pre-authorized payment
Log into your digital banking or contact us at 1.800.320.4588 to check on the status of your account balance.
- If you have a positive available balance, you can avoid unnecessary charges or fees by ensuring all anticipated debits will be covered by the funds available in your account and/or credit limit. Consider making a deposit if anticipated debits exceed the balance available in your account and/or credit limit. Please be aware, cheques deposited are subject to our Hold Funds Policy which may impact the availability of funds. All deposits are subject to verification of the source of funds and to our policies on the acceptance of deposits.
- If you have a negative available balance, you may avoid interest charges causing the account to be overdrawn further if a deposit is made, bringing the account balance to zero/or within your credit limit, on the same day before close of business. Please be aware, cheques deposited are subject to our Hold Funds Policy which may impact the availability of funds. All deposits are subject to verification of the source of funds and to our policies on the acceptance of deposits.
To avoid further charges and for additional support, contact us at 1.800.320.4588 to schedule a Money Chat with one of our team of experts to find the right solutions for you and your goals.