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Personal banking

Bank accounts

Advantage Account (Canadian-dollar) Services and fees guide (PDF)
Advantage Account (US-dollar) Services and fees guide (PDF)
Evolvespire All-In Banking PackageTM Services and fees guide (PDF)

Secured overdraft services and fees guide (PDF)

Mortgages

Evolvespire One Evolvespire One client guide (PDF; services and fees on pg. 21)
Evolvespire Bank Select Evolvespire Bank Select client guide (PDF; services and fees on pg. 28)   

Credit cards

EvolvespireMONEY+TM Visa Infinite* Rates and fees guide (PDF)
EvolvespireMONEY+ Visa* Platinum Rates and fees guide (PDF)  

Investments

TFSA Advantage Account We don’t charge any fees for our TFSA Advantage Account.
RRIF Advantage Account
 We don’t charge any fees for our RRIF Advantage Account.
RRSP Advantage Account
 We don’t charge any fees for our RRSP Advantage Account.
Investment Savings Account (ISA)
 We don’t charge any fees for our ISAs.
Short-term GICs
 Short-term GICs may be redeemed prior to maturity but interest is forfeited if redeemed within 29 days from issuance. If redeemed on or after 30 days but before maturity, a 1.25% reduction in interest rate will apply. Interest is prorated to the number of days. A $25.00 early redemption fee will also be charged. Refer to the GIC Confirmation for details. Interest is calculated daily on the total daily balance and paid monthly. Rates are subject to change without notice.
Long-term GICs

Long-term GICs held in an RRSP, RRIF, or non-registered account:

  • Long-term GICs in these accounts are non-redeemable.
  • We don’t charge any fees on these GICs.

Long-term GICs held in a TFSA:

  • Early redemption fees apply. Early redemption of Tax-Free GICs prior to maturity is subject to market value adjustment and expense recovery fees. GICs must be redeemed in full; partial redemptions are not permitted.
  • The market value adjustment fee is calculated as follows: market value adjustment fee = amount redeemed x (days to maturity/365) x (current interest rate for the remaining GIC term length – the locked-in GIC interest rate). If interest rates have declined, the market value adjustment fee will be zero; no market value credit will be applied.
  • The expense recovery fee is calculated as follows: expense recovery fee = amount redeemed x (days to maturity/365) x 1%.
  • To redeem your long-term GIC before maturity, call for more information.

Loans

Investment loan Fee for non-sufficient funds (NFS) processing: $45

Fee with withdrawals (after two free withdrawals per calendar year, subject to approval): $100
RRSP loan
 Our RRSP loans do not charge any fees to apply, change your payment dates, or make lump-sum payments.
Line of credit
 Services and fees guide (PDF)


Business banking

Business Bank accounts

Business Advantage Account Services and fees guide (PDF)
US$ Business Advantage Account Services and fees guide (PDF)  

Business Mortgages

Evolvespire One for Business Evolvespire One for Business client guide (PDF; services and fees on pg. 28)

Business Investments

Investment Savings Account (ISA) We don't charge any fees for our ISAs.
Short-term GICs Short-term GICs may be redeemed prior to maturity but interest is forfeited if redeemed within 29 days from issuance. If redeemed on or after 30 days but before maturity, a 1.25% reduction in interest rate will apply. Interest is prorated to the number of days. A $25.00 early redemption fee will also be charged. Refer to the GIC Confirmation for details. Interest is calculated daily on the total daily balance and paid monthly. Rates are subject to change without notice.
Long-term GICs We don't charge any fees for our long-term GICs. Long-term GICs held in a business investment account are non-redeemable.

Business Loans

Specialized lending

Please speak with your advisor to learn more about the services and fees for our specialized business lending program.

Don’t have an advisor? Find one here.

®Trademark of Interac Corp. Used under licence.

Evolvespire, Evolvespire Bank & Stylized M Design, EvolvespireMONEY+, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.

*Trademark of Visa Int., used under license.