How much does it cost?
We do our part for the environment by keeping paper to a minimum, and we do it without compromising the quality of our services. Win-win!
Most requests can be handled through the Client Centre online. It's fast and free. Many requests are still free or subject to a limited fee structure.
Not sure? All fees appear on the original documentation sent to you. You can always call us or your advisor1 before making a transaction to find out if it costs anything.
| Description | Details | Fees |
|---|---|---|
| Original documents Paper format sent by mail |
Savings statement
|
Free, or $10 if requested 30 days after the initial statement was sent. |
| GIC The terms of your guaranteed investment certificate. Not available through the Client Centre. |
Free | |
| Insurance or investment contract | Free | |
| Tax slips Issued for RESP withdrawals. Not available through the Client Centre. |
Free | |
| Tax receipts Issued for RESP contributions. Not available through the Client Centre. |
Free | |
|
Copies |
Copies of the above documents sent by mail. Quick reminder: you can access most of your documents through the Client Centre, free of charge. |
Free |
| Written confirmations | Quick microfiche search Specific statements dated before 2010 |
$10 |
| Detailed search of documents and archives Investment history, closed accounts, statements dated before 2010 |
$25/Hour (minimum 1 hour) If search fails, no charges apply |
|
| Miscellaneous | Copy of deposited cheque | $20 |
Good to know: a withdrawal strategy is just as important as an investment strategy! Make it a habit to talk to an advisor1 before you make a transaction.
| Description | Details | Fees |
|---|---|---|
| Miscellaneous |
Non-sufficient funds (NSF)
|
Free |
| Cash withdrawals
A transactional account is opened for each plan (RRSP, TFSA) and annuity. This is a Daily Interest Account. Some fees may apply for withdrawals, but not if you collapse an investment once it matures. Be sure, however, to deposit your funds in a chequing account you can withdraw from. |
Daily Interest Account |
Free for the first withdrawal in a calendar year $15 for subsequent withdrawals |
| GIC | See your contract terms and conditions | |
| Investment accounts | See your contract terms and conditions | |
|
Transfers and account closures |
Partial transfer from an RRSP, RRIF or TFSA |
$65/transfer |
|
RRSP or RRIF account closure |
$90 |
|
|
RRSP and RRIF transfer |
$50 |
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