Service and transaction fees

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.

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Description Details Fees
Original documents
Paper format sent by mail

Savings statement
This statement is a consolidated overview of the performance of all assets, both savings and investments.


Free, or $10 if requested 30 days after the initial statement was sent.
The terms of your guaranteed investment certificate. Not available through the Client Centre. 
  Insurance or investment contract  Free 
  Tax slips
Issued for RESP withdrawals. Not available through the Client Centre.
  Tax receipts
Issued for RESP contributions. Not available through the Client Centre.


Copies of the above documents sent by mail. 

Quick reminder: you can access most of your documents through the Client Centre, free of charge.

Go to the Client Centre

Written confirmations  Quick microfiche search
Specific statements dated before 2010 
  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

Non-sufficient funds (NSF)
However, your financial institution may charge you for NSF cheques. 


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
to another financial institution 


RRSP or RRIF account closure
and full transfer to another financial institution 

Namely, a $25 closing fee and $65 transfer fee


RRSP and RRIF transfer
to another financial institution 


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