1 Business accounts and services Standard fees and charges
2 Contents Solutions tailored to your business needs 3 Canada s bank for business 4 Documents you ll need with you to open a business deposit account 4 Standard fees and charges 6 Choose the right business deposit account 13 RBC Business Essentials $6 Small Business Account 14 RBC Small Business eaccount 15 RBC Business Essentials Fixed Fee Plans 16 RBC Business Essentials Savings Account 17 RBC High Interest Notice Account 18 Royal Business Premium Investment Account 19 U.S. Business Current Account 20 Online Foreign Currency Account 20 Royal Business Community Account 21 RBC AgriInvest Account 22 Grandfathered accounts 23 Bank when and how you want 25 Suite of Business Banking Client Cards 25 Keeping your business efficient 26 RBC Online Banking 27 RBC Mobile Banking 27 RBC ATMs 28 Secure night and day depositing 28 estatements for business accounts 28 RBC Mobile Cheque Deposit 29 Cheque-Pro Electronic cheque depositing solution 29 Investments for your business 29 Foreign exchange services 29 Moneris Solutions Debit and credit card payment processing has never been easier 30 Credit options to manage your business 30 RBC Visa CreditLine for Small Business 30 Royal Business Overdraft Protection 30 Business credit cards 31 Operating line of credit 31 Fixed-rate loans 31 Variable-rate loans 31 Canada Small Business Financing Loan 31 Business insurance Protecting your investment 32 Travel insurance Protection while you travel 32 Information to help you manage your business 33 Starting a business 33 Growing your business 33 Personal financial management for business owners 33 Succession planning for your business 33 Important information 34 Currency conversion 34 Interest rates 34 Master Client Agreement for Business Clients 34 Other fees and charges 34 Separate fee agreement 34 Taxes, etc. 35 U.S. dollar business deposit accounts and U.S. fees and charges 35
3 Business accounts and services 3 Solutions tailored to your business needs Whether you re just starting out or already running a successful business, having the right business banking solution can make all the difference. This brochure includes the standard fees and charges that apply to your business deposit account and information about additional services that you can use with RBC Royal Bank. It is designed to help you identify the accounts and services your business could benefit from in order to help you grow. It can help answer many of your questions, including: n What do I need to open an account? n How do I move pre-authorized payments to RBC Royal Bank? n How do I accept credit and debit card payments? n What are my credit options? n How can a business credit card simplify expenses and business expenditures? After reviewing this brochure, if you have any further questions, please speak to your RBC account manager or call one of our business advisors at to discuss your options. Use our easy online Business Solution Selector Find out which RBC Royal Bank business deposit account, products, and services best suit your business needs in four easy steps! Visit rbcroyalbank.com/solutionselector. Or for more information, our business advisors are available 24/7 at ROYAL 2-0 ( ).
4 4 Business Financial Services Canada s bank for business All our clients enjoy: n Access to RBC Royal Bank Online, Mobile, and Telephone Banking 1 n Convenient access to Canada s largest combined network of branches and ATMs n Service in more than 180 languages and support 24/7 from dedicated business advisors Make the move to RBC Royal Bank today with CustomSwitch This service provides you with a convenient and hassle-free way to transfer your pre-authorized debit transactions, direct deposits, and bank account balances to RBC Royal Bank from another financial institution. 2 Documents you ll need with you to open a business deposit account Please ensure that all individuals who are owners and/or signing officers attend and bring: n Documents that provide their full legal name, date of birth, and address n Two pieces of unexpired, original identification for each owner/signing officer At least one of these must be photo identification At least one of these must be issued by a government authority In Canada, you must also provide a few additional key documents. The following table provides examples of the documents that may be required.
5 Business accounts and services 5 Documents required based on business structure Sole proprietorships or partnerships n Trade name registration or master business licence, if applicable n Registered declaration of partnership or a copy of your partnership agreement (where provincial law does not require registration) Corporations or incorporated not-for-profit organizations n Articles of Incorporation n If you are incorporated for more than 12 months, one of the following government-issued documents: Certificate of Status (also referred to as a Certificate of Good Standing or Certificate of Compliance) Annual government filing (where corporation has been in existence for more than a year) Business licence or vendor permits Company s most recent Notice of Assessment (income tax assessment) Business number n Trade name registration or master business licence, if applicable n Charitable registration number if registered as not-for-profit n For federal not-for-profit corporations, confirmation that the corporation is governed by the new Canada Not-for-profit Corporations Act e.g., Certificate of Continuance attaching Articles of Continuance under the Act Unincorporated associations/community groups/ not-for-profit organizations n Trade name registration or master business licence, if applicable n Articles of Association or the association s original constitution and bylaws n Charitable registration number if registered as not-for-profit
6 6 Business Financial Services Standard fees and charges RBC offers many products and services to help manage your RBC Royal Bank business deposit account. The following are some of the products and services offered at RBC Royal Bank and the applicable standard fees and charges. In some cases, depending on the business deposit account you have, some of these services may be included in your account package. Automated Teller Machine (ATM)/Card Services Banking machine access Interac $1.50 per withdrawal PLUS System $3.00 per withdrawal (within North America) PLUS System $5.00 per withdrawal (outside North America) Cross-border debits Cross-border point-of-sale purchase when using a business client card outside $1.00 each Canada (in addition to debit transaction fee) The cross-border debit fee is charged after a foreign currency purchase has been converted to Canadian dollars at an exchange rate 2.5% over the Interbank Spot Rate (as defined by Acxsys Corporation) in effect at the time of processing. Exchange rates fluctuate, and as such, the rate applied will usually differ from a posted exchange rate at the time of purchase. Deposits Currency deposited Night and Day deposit 3 $2.00 per $1,000 ATM deposit $2.25 per $1,000 In-branch deposit $2.50 per $1,000 Currency supplied Cash $1.00 per $1,000 Coin rolled and counted $0.16 per roll
7 Business accounts and services 7 Cheque-Pro $35.00 per scanner Cheque-Pro per month $75.00 per scanner Cheque-Pro Plus per month Scanners must be purchased separately. Depository services $15.00 per 50 bags $30.00 per 100 bags Night and Day deposit bags $60.00 per 200 bags $ per 500 bags Deposits/credits Electronic $0.75 each Paper $1.12 each Items deposited Cdn or U.S. dollars $0.22 each Items deposited, returned unpaid Returned for any reason $7.00 per item Trusteed Deposit Service Monthly maintenance fee $50.00 minimum up to 200 accounts Monthly maintenance fee $0.25 per account beyond 200 accounts $40.00 per report, Optional fees reports per month U.S. float fee A U.S. float fee is charged when same-day value is given for U.S. cheques deposited into an account and given credit, but settlement is not received from the U.S. bank on which the cheques are drawn until several days later. The U.S. float may be charged at a variable fee when the average monthly credit balance in the account is less than the average monthly U.S. float-balance requirement. If the account balance is equal to or greater than the average monthly floatbalance requirement, no U.S. float fee will be charged. Ask your RBC account manager for details about the application of this fee and how it may apply to your business deposit accounts.
8 8 Business Financial Services Payments Acceptance of payment of accounts (including bill payments) RBC client payments No charge Non-client payments $3.00 each Cheque certification Presented by issuer $20.00 each Presented by non-issuer $30.00 each (RBC Royal Bank client) Presented by non-issuer $40.00 each (Non-RBC Royal Bank client) Cheque conversions Cheque written in currency $20.00 each other than that of the account Cheques/debits Electronic $0.75 each Paper $1.12 each Cheque testing To test, when requested by a client, the quality of a stock of cheques printed by a non- $50.00 per request certified printing company to ensure cheque quality meets processing standards Non-Magnetic Ink Character Recognition (MICR) encoded items Items $5.00 each Not sufficient funds (NSF) Item returned NSF (e.g., cheque, pre-authorized $45.00 each debit) Overdraft handling 4 Cheques/debits paid in addition to regular account $5.00 per item fees and overdraft interest Payment items Drafts $7.50 each Stop payments Self-serve via $10.00 each RBC Online Banking
9 Business accounts and services 9 Assisted request via telephone or at any $20.00 each RBC Royal Bank branch U.S. Par Crossed Service $ U.S. Fee per account per month Specially encoded cheques may be eligible for faster clearing in the U.S. The use of this service is subject to approval, and certain conditions apply. Please speak with your RBC account manager to determine if your business qualifies to use this service. Transferring Funds Interac e-transfers Receive request No charge Send request $1.50 each Cancel request (initial send-request fee No charge non-refundable) Interac e-transfers reclaim fee upon expiry $5.00 when funds are refunded to sender s account by RBC Transfers between business deposit accounts Pre-authorized/recurring $2.00 each Transfer mail advices $3.00 each (if required) Special request/nonrecurring plus transaction $5.00 each fee (verbal requests must be confirmed in writing) Financial Confirmations Bank confirmations for audit purposes Minimum fee $40.00 each Detailed fee $40.00 per hour Certificates of loan interest paid for income tax purposes Pre-printed form $5.00 each Personalized typed letter $15.00 each Certificates regarding business deposit account balances Standard form $5.00 each Personalized typed letter $15.00 each
10 10 Business Financial Services Business Deposit Account Statements estatement 5 estatement retrieval (access estatement when paper statement has not been turned off) Paper statement without cheque image pages Paper statement with cheque image pages Interim statement 6 RBC ATM statement update No charge $2.50 per view $2.00 per statement $3.00 per statement $6.00 per statement $0.75 each mini $1.50 each full Statements mailed to RBC branch and held for client $5.00 per statement pick-up Searches Printed copies provided by RBC (cheques, deposit slips, pre-authorized payments) Up to 90 days $5.00 per item Greater than 90 days $10.00 per item $40.00 per hour Multiple items $20.00 minimum Search for accounts $5.00 per branch Each record, each name $20.00 minimum Search for records $40.00 per hour Each record $20.00 minimum View transaction images for up to 90 days (excludes items made on deposit via ATM) RBC Online Banking when No charge enrolled in estatements RBC Online Banking when $1.50 per image receiving paper statements
11 Business accounts and services 11 Wire Payment Services Incoming and outgoing wire payment detail advices RBC Express incoming wires $2.00 each Telephone/fax advice $5.00 each Incoming wire payments Incoming wire payment from an RBC Royal Bank unit No charge located in Canada Incoming wire payment from another financial institution located anywhere worldwide $50.00 Cdn/U.S. and under No charge Over $50.00 Cdn/U.S. $15.00 Cdn/U.S. (in currency of payment) Outgoing wire payments within Canada or to other countries (most currencies) Initiated from client instructions where signing authority of client is present Initiated from client instructions where signing authority of client is not present If an International Bank Account Number (IBAN) is not provided for a wire payment going to countries that use IBANs Starting at $20.00 each (ask for details) Starting at $50.00 each (ask for details) Add $35.00 each All fees are payable in Canadian dollars regardless of the currency of the payment, unless otherwise stated. Additional fees and charges may be deducted from the payment amount by the receiving financial institution and/or intermediaries. Tracing/inquiries (applies to wire payments only) Outgoing wire payments not delivered as instructed No charge by client Outgoing payments delivered as instructed by client Cancellation or amendment as instructed by client Starting at $25.00 each (ask for details) Starting at $25.00 each (ask for details) Inquiries/traces may be subject to fees and charges in addition to those collected by us and those disclosed above.
12 12 Business Financial Services Other Services and Fees Account closed within 90 days of opening Transfer to another RBC No charge branch/account Transfer to another $20.00 financial institution Any other reason $10.00 Domestic collections (incoming or outgoing) Cheques $10,000 and less $30.00 each 0.3% of amount Cheques over $10,000 of each cheque ($150 maximum) Item must have a minimum value of $100 Cdn/U.S. to be submitted. Fees charged by other financial institutions may also apply. International collections contact an RBC Royal Bank branch Handling of unclaimed balances in inactive business deposit accounts Inactive account fee after $20.00 each year two years Fee is charged after two years of inactivity and up to eight years of inactivity. Notice is sent at two and five years of inactivity. Fee will be waived if notice is acknowledged within 30 days of mailing date or if account is reactivated within specified time period. Dormant account fee $40.00 per account Fee is charged after nine years of inactivity. Account will be automatically closed and the remaining balance will be transferred to the Bank of Canada. Safe deposit boxes Starting at Rental fee $45.00 per year Replacement of 1 lost key $25.00 Replacement of 2 lost keys $ and the drilling of the lock
13 Business accounts and services 13 Choose the right business deposit account Having the right business deposit account can make your day-to-day banking easier and more cost-effective. To get started, ask yourself a few key questions: n What are my business s monthly transaction volumes? n Will my transaction volumes be fairly consistent from month to month? n Do I plan to regularly maintain a higher balance? n What are my banking habits? Do I prefer to transact in-branch, over the phone, or online? With an understanding of how you plan to transact, we can help you find the best business deposit account to suit your needs in four easy steps! Try our new Business Solution Selector at rbcroyalbank.com/solutionselector or call to speak with a dedicated business advisor today. Save time and money on your day-to-day banking RBC Royal Bank business deposit accounts provide built-in discounts when you bank electronically. Automatically save on certain account transaction fees when you bank at RBC Royal Bank ATMs or through Online or Mobile Banking.
14 14 Business Financial Services RBC Business Essentials $6 Small Business Account This flexible account is ideal for start-up and growing businesses that typically have a variable or unpredictable number of monthly transactions. Your low $6 monthly fee can include up to seven transactions, and if you need more, you only pay for what you use so your dollars can go farther. Plus, benefit from built-in discounts as your transaction volumes grow and when you bank electronically using RBC Royal Bank ATMs or RBC Online or Mobile Banking. The RBC Business Essentials $6 Small Business Account is also known as the RBC Business Essentials Variable Pricing Account. RBC Business Essentials $6 Small Business Account Monthly minimum fee $ Included account transactions per month Your choice of transactions up to $6.00 per month based on standard fees and charges Standard fees and charges apply for services and transactions exceeding included account transactions, except as follows Credits or debits Tier Number Paper Electronic $1.12 each $0.75 each $1.07 each $0.75 each $1.02 each $0.70 each $0.97 each $0.65 each plus $1.02 each $0.60 each An example of $6 worth of transactions could be 2 online bill payments, 2 ATM withdrawals, 1 deposit at the branch consisting of 2 cheques and 1 cheque written from the account.
15 Business accounts and services 15 RBC Small Business eaccount Designed with e-savvy small businesses in mind, this cost-effective account is ideal if you prefer to bank electronically using self-serve channels such as RBC Royal Bank ATMs or RBC Online or Mobile Banking. n Unlimited paperless account transactions such as online bill payments, pre-authorized debits, and point-of-sale transactions when using RBC Royal Bank ATMs or RBC Online or Mobile Banking. n No monthly fee, no minimum balance required n Service and support 24/7 from dedicated small business advisors RBC Small Business eaccount Monthly package fee None Included account transactions per month Electronic debits or credits Unlimited Standard fees and charges apply for services and transactions exceeding included account transactions, except as follows Paper debits or cheques $1.50 each Paper credits or deposits $3.50 each Cash deposited (in-branch) $5.00 per $1,000 If you foresee using non-electronic channels such as assisted in-branch banking, issuing more cheques, and depositing cash often, we recommend choosing a different RBC Royal Bank account option.
16 16 Business Financial Services RBC Business Essentials Fixed Fee Plans Our four fixed fee plans offer a range of transactions for a flat monthly fee. They are ideal if you have predictable monthly transaction volumes that are within the limits specified by your chosen plan. To help reduce your fees, regular (paper-based) transactions will be applied first to the package limit. Plus, receive additional savings when you bank electronically using RBC Royal Bank ATMs or RBC Online or Mobile Banking. RBC Business Essentials Fixed Fee Plans Monthly package fee and included account transactions per month Monthly fee Debits or cheques Credits or deposits Items deposited Cash deposited Plan 1: $20.00 Plan 2: $35.00 Plan 3: $50.00 Plan 4: $75.00 Up to 20 Up to 35 Up to 50 Up to 75 Up to 15 Up to 35 Up to 50 Up to 75 Up to 20 Up to 40 Up to 60 Up to 85 Up to $2,500 Up to $3,500 Up to $6,500 Up to $10,000 Monthly fee waiver 8 n/a n/a $40,000 (minimum daily balance) $65,000 (minimum daily balance) Standard fees and charges apply for services and transactions exceeding included account transactions.
17 Business accounts and services 17 RBC Business Essentials Savings Account Earn interest on your surplus cash with the RBC Business Essentials Savings Account the perfect complement to your business deposit account used for day-to-day operations. RBC Business Essentials Savings Account Monthly package fee None Interest Yes For information about interest rates, please call or visit an RBC Royal Bank branch. Included account transactions per month Debits or cheques Two Electronic credits for transfers-in from another Up to 999 RBC Royal Bank account in the same name Standard fees and charges apply for services and transactions exceeding included account transactions, except as follows Debits or cheques $3.50 each Credits or deposits $1.00 each Items deposited $1.00 each Cash deposited $10.00 per $1,000
18 18 Business Financial Services RBC High Interest Notice Account Keep surplus funds productive with the RBC High Interest Notice Account. Earn premium interest on your Canadian or U.S. dollar deposits in excess of $1 million. You can transfer-in funds as often as you want, and they remain available for withdrawal with 31 days prior notice. For your convenience, the account can be set up in RBC Express online banking for effective account management. RBC High Interest Notice Account Monthly package fee Interest None Yes For information about interest rates, please call or visit an RBC Royal Bank branch. Included account transactions per month Electronic debits or credits for transfers between other Unlimited RBC Royal Bank accounts and incoming wire payments Important: Transaction capabilities limited with the exception of electronic transfers between other RBC Royal Bank accounts and incoming wire payments. Standard fees and charges apply for services and transactions exceeding included account transactions.
19 Business accounts and services 19 Royal Business Premium Investment Account Earn competitive interest rates on surplus business funds over $100,000, while keeping them liquid with the Royal Business Premium Investment Account. For your convenience, the account can be set up in RBC Express online banking or RBC Royal Bank Online Banking for effective account management. Royal Business Premium Investment Account Monthly package fee Interest None Yes For information about interest rates, please call or visit an RBC Royal Bank branch. Included account transactions per month Debits or cheques Two Electronic credits Unlimited or deposits Standard fees and charges apply for services and transactions exceeding included account transactions, except as follows Debits or cheques $5.00 each Paper credits $2.50 each or deposits Items deposited $1.00 each Cash deposited $10.00 per $1,000 Simplify your U.S. dollar banking If you have a U.S. Business Current Account, banking online can help simplify the process of working with two currencies.
20 20 Business Financial Services U.S. Business Current Account Benefit from the many convenient and flexible day-to-day banking features with this account. This account is the right choice if you need to: n Make payments in U.S. dollars n Maintain U.S. dollars when you deposit them it gives you the convenience of not having to convert currency for each transaction U.S. Business Current Account Monthly minimum fee $ Included account transactions per month 1 for each $2,500 Debits or credits minimum daily balance on deposit Standard fees and charges apply for services and transactions exceeding included account transactions, except as follows Debits or cheques $1.12 each Credits or deposits $1.12 each U.S. Business Current Account fees are charged and payable in U.S. dollars. Online Foreign Currency Account The Online Foreign Currency Account can help you minimize foreign currency risk and gain business efficiency. It is a web-based self-serve application for businesses that regularly deal in currencies other than Canadian or U.S. dollars. Online Foreign Currency Account Monthly package fee $15.00 Included account transactions per month Electronic debits 1 Standard fees and charges apply for services and transactions exceeding included account transactions, except as follows Outgoing wire or account transfer Incoming wire $10.00 each plus standard wire fees $15.00 each
21 Business accounts and services 21 Incoming transfer from RBC Royal Bank CAD/USD account Reporting of balances and transactions 10 in RBC Express Reporting of balances and transactions to another financial institution $10.00 each Free for clients enrolled in RBC Express Balance and Transaction Reporting $ for set-up $80.00 monthly $0.035 per transaction Interest may be charged by, and payable to, Royal Bank of Canada, on balances held in an Online Foreign Currency Account. Online Foreign Currency Account fees are charged and payable in Canadian dollars. Paper-based account transactions, including cheques, drafts, and paper deposits are not available. Royal Business Community Account The Royal Business Community Account offers an exceptional value for smaller regional and local not-for-profit organizations with low transaction volumes. Royal Business Community Account Monthly package fee $3.75 Included account transactions per month Debits or cheques Up to 10 Credits or deposits Up to 5 Items deposited Up to 10 Cash deposited Up to $1,000 Standard fees and charges apply for services and transactions exceeding included account transactions, except as follows Debits or cheques $0.60 each Credits or deposits $0.60 each Items deposited $0.14 each Cash deposited $1.39 per $1,000 Special features: Monthly fee waived for the first three months if within the above limits Fees waived for first 25 personalized, duplicate cheques and deposit slips
22 22 Business Financial Services RBC AgriInvest Account The RBC AgriInvest Account is designed specifically for agricultural clients who are eligible* to participate in the Growing Forward AgriInvest program. This savings account provides farmers with flexible coverage for small income declines, as well as support for investments to both mitigate risks and improve market income. With this interest-bearing account, farmers deposit money, up to the allowable limit,* to receive matching government contributions to manage risk and cover small income declines. RBC AgriInvest Account Monthly package fee None Interest Yes For information about interest rates, please call or visit an RBC Royal Bank branch. Included account transactions per month Debits or credits Unlimited Items deposited Unlimited Cash deposited Unlimited Paper statements No charge Standard fees and charges apply for services and transactions exceeding included account transactions. * Eligibility and allowable limit are determined by the provincial and federal governments. For more information, visit agriinvest. In Quebec, AgriInvest is delivered provincially by La Financière agricole. For more information, visit
23 Business accounts and services 23 Grandfathered accounts The following accounts are no longer offered for sale. For all existing account holders, these features continue to apply. Royal Business Professional Account Monthly package fee $33.00 Yes For information about interest rates, please call Interest or visit an RBC Royal Bank branch. Included account transactions per month Debits or cheques Up to 60 Credits or deposits Up to 50 Items deposited Up to 100 Cash deposited Up to $2,000 Standard fees and charges apply for services and transactions exceeding included account transactions. Special features: Royal Business Overdraft protection of up to $5, One bank confirmation per year Farmchek Value Account Monthly package fee $15.00 Included account transactions per month Debits or cheques Up to 35 Credits or deposits Up to 10 Items deposited Up to 10 Cash deposited Up to $1,000 Standard fees and charges apply for services and transactions exceeding included account transactions. Special features: Royal Business Overdraft Protection up to $5,000 (monthly fee waived) 11
24 24 Business Financial Services Farmchek Interest Account Monthly package fee None Yes For information about interest rates, please call Interest or visit an RBC Royal Bank branch. Standard fees and charges apply for services and transactions. RBC Business Essentials Fixed Fee Account Monthly package fee $55.00 Included account transactions per month Debits or cheques Up to 40 Credits or deposits Up to 40 Items deposited Up to 100 Cash deposited Up to $15,000 Standard fees and charges apply for services and transactions exceeding included account transactions, except as follows: Cash deposited $2.50 per $1,000
25 Business accounts and services 25 Bank when and how you want Keeping on top of your business is easy at RBC Royal Bank. See how our RBC Business Banking Client Cards, Online Banking, and Mobile Banking give you savvy choices to manage your business the way you want. Suite of RBC Business Banking Client Cards Get your cards today for greater convenience at no extra cost Access your money 24/7 with the RBC Business Banking Client Card suite. With point-of-sale access for making those important purchases with your debit card any time of day or night, it ll keep your business running smoothly. Feel protected with the safety and security of chip-enabled technology. You ll also get an easier way to track expenses, perform audits, and conduct account reconciliation. Each account statement will display the unique code of the card used for each transaction 12. Each card matches the need of the user 12 Easy identification at RBC Royal Bank branches and full access to all business deposit accounts Primary Business Client Card Additional Business Client Cards Deposit- Only Agent Cards ATMs Purchases made with debit card Online and telephone banking (at RBC Royal Bank ATMs) Enrol in RBC Express if more than one person needs access to online banking
26 26 Business Financial Services Keeping your business efficient Primary Business Client Card. One primary card that gives you full-function access to all your business deposit accounts. Manage your banking at the branch, make deposits or withdrawals and transfer funds at ATMs, and perform point-of-sale purchases. Plus, you ll have access to RBC Royal Bank Online Banking, where you can pay bills, transfer funds, and keep track of all your transactions. Not near a computer? Do your banking over the phone with RBC Telephone Banking or use RBC Mobile on your mobile device. Additional Business Client Cards. These cards are created for those who have authority to access your business deposit accounts. This card enables holders to access your accounts at any RBC Royal Bank branch, make deposits or withdrawals and transfer funds at ATMs, and perform point-of-sale purchases. The daily maximum limit assigned to the Primary Business Client Card is shared by any and all Additional Business Client Cards. A unique code identifying each Additional Business Client Card on your statement will enable easy reconciliation of transactions and auditing. Deposit-Only Agent Cards. These cards are meant for those who only make deposits to select primary business deposit accounts on your behalf at any RBC Royal Bank ATM. This card offers no withdrawal capabilities or access to balance information. A unique code identifying each Deposit-Only Agent Card on your statement will enable easy reconciliation of transactions and auditing. 12
For more information talk to a CIBC business advisor visit your nearest branch visit cibc.com/businessbanking call 1 800 465-CIBC (2422) 1 If there is no account activity, a statement may not be produced.
Fee Guide Banking Services for Businesses Effective August 1, 2014 02 Banking Solutions to Manage Your Business More Efficiently! At National Bank, we know that managing your time and operations efficiently
BUSINESS ACCOUNT SERVICE PLANS AND RELATED PRODUCTS 2 BUSINESS ACCOUNTS Business Chequing Account A First Nations Bank of Canada Business Chequing Account is an operating account for your day-to-day banking
TD Minimum TD Every Day TD Unlimited TD All-Inclusive Banking Plan Monthly Fee TD Canada Trust About Our s and Related Services Transactions Additional Transaction and Handling 2 Minimum Monthly Included
Financial Package Nurses, Registered Practical Nurses and Students in these professions We take care of you 02 FINANCIAL PACKAGE Nurses, Registered Practical Nurses and Students in these professions Understand,
MY TRANSACTION TOOLS 1 2 When you go into business, you have a specific goal: make money. You put all your energy into it and reap the rewards of your efforts. To achieve your goal, it s important to have
RBC Welcome to Canada package Everything you need to get settled quickly and easily Welcome to Canada 3 When you choose RBC Royal Bank you get: n n Access to service in 180 languages Access to the largest
Account Selection Made Easy Money Management Tools First Nations Bank of Canada offers you a range of helpful tools to make managing your money easier. Recordkeeping Free Paperless Record Keeping Track
Addendum to RBC Royal Bank Disclosures and Agreements related to Personal Deposit Accounts Discontinued Accounts effective October 28, 2015 2 Addendum to RBC Royal Bank Disclosures and Agreements related
Commercial Service Charges/ Statement of Disclosure Account Services HSBC BusinessVantage 2 Account Package Interest-bearing chequing account package in Canadian or US dollars that pays tiered interest.
Planning a trip? We have you covered, from travel insurance to managing your money. Getting ready for a trip? It s an exciting time with so much to look forward to and so much to prepare for. Getting ready
Advice. Support. Savings. Rewards. RBC Group Advantage Program The RBC Group Advantage program gives you what you need to get the most out of your everyday banking, with advice, support, savings and rewards
Service fee and account changes Personal, business and credit card accounts Effective June 1, 2015 Important information about your RBC Royal Bank account(s) At RBC Royal Bank we are committed to providing
BMO InvestorLine MAY 1, 2015 & Fee Schedule Count on us for competitive commissions & fees At BMO InvestorLine, we re serious about arming investors like you with the tools and resources you need to invest
Product and service guide to fees May 4, 2015 Product and service guide to fees Summary Bank accounts 4 Chequing account 4 Merit account 6 Get growing account 7 Preferred savings account 8 Lines of credit
BANKING FEES 01 Fees Guide to Banking Solutions for the Self-Employed Effective July 29, 2013 More than ever, you want banking services that meet your needs and expectations. At National Bank of Canada,
ABILITY TO WITHDRAW FUNDS The following disclosure is provided pursuant to the Expedited Funds Availability Act and Regulation CC. Our policy is to make funds from your deposits available to you on the
Small Business Account Services and Prices Schedule Illinois, Indiana, Michigan, Wisconsin Effective August 3, 2015 TABLE OF CONTENTS SERVICES AND FEES...1 Overdraft and Returned Item NSF...1 Online Banking...1
Personal Account Options and Fees What s Inside Welcome to Conexus! We want to make it as easy as possible for you to have access to information about our products and services. In this guide you ll not
Small Business Account Services and Prices Schedule Arizona Effective August 3, 2015 TABLE OF CONTENTS SERVICES AND FEES...1 Overdraft and Returned Item NSF...1 Online Banking...1 ATM, Debit and Charge
Fees Your Guide to Personal Banking Solutions Effective January 12, 2015 Provided by National Bank exclusively for members of the Canadian Medical Association and their families. 02 Canadian Medical Association
Business Banking Better Banking Guide for Business Interest and fee schedule effective June 1, 2015 Better Value Banking Choose a banking package that s right for your business. At BMO Bank of Montreal,
YOUR ACCOUNT YOUR PLAN A GUIDE TO REGULAR SERVICE FEES FOR INDIVIDUAL MEMBERS Effective July 1, 2016 1 TABLE OF CONTENTS WELCOME TO DESJARDINS... 2 YOUR CHEQUING ACCOUNT... 3 YOUR TRANSACTION PLAN... 5
Personal Checking, Money Market, Savings, Time Deposit & IRA Accounts Pricing Schedule (Effective November 6, 2015) REGIONS CHECKING With any Regions checking account, you get extra services to make banking
02 The Right Bank Account for You What You Need to Know There is a lot of choice: there are close to 100 bank account packages to choose from, offered by more than 20 banks in Canada. Comparing accounts
2015 Bank of Texas, a division of BOKF, NA. Member FDIC. Equal Housing Lender. TX CN 4000 Rev. 3/15 Personal and Business Checking and Savings Solutions Call our 24-Hour ExpressBank TABLE OF CONTENTS Personal
2014 Bank of Oklahoma, a division of BOKF, NA. Member FDIC. Equal Housing Lender. OK CN 4000 Rev. 11/14 Personal and Business Checking and Savings Solutions TABLE OF CONTENTS Personal Checking 02 Personal
PERSONAL ACCOUNT SPECIFICATIONS AND FEE LISTING Account Opening and Usage Sterling Eagle & Club Sterling TM Eagle Checking Minimum balance to open account: $500 Monthly average balance to avoid fee: $500
It s important that you understand exactly how your Basic Banking checking account works. We ve created this summary to explain the fees and some key terms of your account. ELIGIBILITY The Basic Banking
RBC Royal Bank Visa Business Platinum Avion A world of travel rewards. And more. A world of travel rewards. And more. 3 Expense management has never been easier or more rewarding Welcome to RBC Royal Bank
Today, more than ever, managing your personal finances can be a challenging experience whether it s covering your day-to-day living expenses, buying a home, or saving for your retirement. At BankFinancial,
Personal Checking, Money Market, Savings, Time Deposit & IRA Accounts Pricing Schedule (Effective August 20, 2015) REGIONS CHECKING With any Regions checking account, you get extra services to make banking
Banking Understanding banking in Canada Contents. 1: Getting started Opening your first bank account............ 3 Accessing your money.................. 4 Sending money overseas................. 7 Understanding
Personal Schedule of Fees Effective May 6, 2016 bankofamerica.com Applies in all states. Bank of America, N.A. Member FDIC. 2016 Bank of America Corporation. 91-11-3000B 00-14-9299 29898 Table of Contents
CORPORATE SERVICES EXPENSE MANAGEMENT SOLUTIONS Welcome to the American Express Corporate Card Program Cardmember Benefits and Services Contents Welcome to the advantages of the American Express Corporate
Welcome to Bank of the West! Please keep these important documents with your Deposit Account Disclosure booklet and retain them for future reference. Schedule of Fees and Charges for Personal Deposit Accounts...Page
Consumer Pricing Information Checking Package Options Minimum Opening Deposit Requirement to Waive ACCOUNT INFMATION 1. U.S. Bank Packages Prior to August 12, 2013: To maintain Package benefits, a Silver,
Checking Accounts A GUIDE TO YOUR ACCOUNT It is important that you understand exactly how your Heartland Checking account works! We have created this Guide to explain key fees and terms of your personal
Service Charges and Fees Service Charges and Fees Content 1. Personal Product Types and Service Charges 2. Personal Banking Service Charges and Fees 3. ATM and Debit Card Transaction Charges 4. Business
Conversion Guidebook IMPORTANT INFORMATION REGARDING CHANGES TO YOUR ACCOUNTS TERMS AND SERVICES FOR CUSTOMERS OF 1ST BANK TABLE OF CONTENTS Table of Contents... 2 Welcome Letter... 3 Deposit Accounts...
BENEFIT SUMMARY Platinum Plus Business Rewards Don t just think of it as a credit card. Think of it as a way to work more efficiently. If you use a personal credit card for business expenditures, you re
Online Banking Your quick guide to RBC Online Banking Convenience and security to manage all your everyday banking needs A secure and convenient way to do banking Whether you lead a busy life or want more
Fee Schedule: Personal Products & Services New York October 1, 2015 For use with Account Agreement and Disclosures Fee Schedule: Personal Products & Services Please see page 11-12 for explanation of all
Fee Schedule: Personal Products & Services California Georgia Tennessee October 1, 2014 For use with Account Agreement and Disclosures An Important Message Effective October 1, 2015, we will make changes
Business Checking & Savings Options Solutions for businesses of all sizes and types Smart, Tailored Solutions Select the business banking package, stand-alone checking, or savings account that best fits
YOUR BENEFITS GUIDE Welcome to your CIBC TELUS Rewards Visa * Card YOUR BENEFITS GUIDE BENEFITS AT A GLANCE Thank You for Choosing the CIBC TELUS Rewards Visa Card 1 How to Earn 2 How to Redeem 2 Go Paperless
Financial Package Business Professionals Accountants (CPA), HEC Montréal, Lawyers and Notaries Make your finances easier to manage 02 FINANCIAL PACKAGE Business Professionals Understand, Plan, Act As a
Minimum Daily Total Deposit Balance Signature Advantage Checking $25,000 or more None $24,999.99 or less $25.00 - Minimum Opening Deposit: $00 - Minimum Total Deposit Balance: The sum of balances in the
Benefits Guide RBC Royal Bank Visa * Classic Low Rate Option The best of both worlds Low interest and convenience. SAVINGS CONVENIENCE FLEXIBILITY Welcome to RBC Royal Bank Visa Classic Low Rate Option
Addendum to HSBC Consumer Deposit (excluding Certificate of Deposit) Terms & Charges Disclosure Effective November 2, 2015, HSBC Bank USA, N.A. no longer issues official bank checks in foreign currency.
Consumer & Business Pricing Addendum This addendum contains important product and pricing information. Please retain for your records. Effective June 29, 2012 1, 2, 3, 4 Overdraft Item Paid $15.00 or less
Disclosure of Account Terms Account Type Min. to open Daily Min Balance to obtain yield Basic Checking $0 N/A Choice Checking $0 N/A Premium Checking $0 N/A Statement Savings, Holiday Clubs $50 $300-24,999
Addendum to HSBC Advance Terms & Charges Disclosure Effective May 23, 2016, the Eligibility and Monthly Maintenance Fee provisions of the HSBC Advance checking account are amended to read as follows: ELIGIBILITY
YOUR BENEFITS GUIDE Welcome to your CIBC U.S. Dollar Visa Card Welcome to your CIBC U.S. Dollar Visa Card. And a completely different credit card experience. Your new CIBC U.S. Dollar Visa Card comes with
CONVERSION GUIDE independent-bank.com The Independent Way Independent Bank s origins extend back to 93 when it first formed a local bank to serve the needs of its community. Independent Bank pledges to
Business Planner Your small business planning guide What s Inside the TD Canada Trust Business Planner Glossary...4 Your Business Profile What your business does or intends to do and your competitive advantage
HSBC Premier provides personal support to help you manage your personal economy. Our success is measured by how well we meet your needs 1 HSBC Premier eligibility requires you to have an active HSBC Premier
Effective 17 April 2016 Contents Saving money on your banking...1 Everyday accounts...2 Savings accounts... 3 Term Deposits and Foreign Currency Term Deposits...4 ANZ Freedom Years Package... 4 ANZ Migrant
WELCOME TO COMMUNITY BANKS OF COLORADO A guide for the conversion of Pine River Valley Bank and Miners & Merchants Bank and how it affects your business accounts. 1 CONTENT Introduction... 1 What s the
DEPOSIT ACCOUNT AGREEMENT AND REGULATORY DISCLOSURE Contents Branch Locations... 3 Customer Identification Program... 3 Important Information about Procedures for Opening a New Account... 3 Customer Information...
Personal Checking & Savings Options Smart solutions for individuals and families Many Flexible Options to Fit Any Lifestyle. Checking Account Comparison Find the right checking account for you by using
Service, value, and convenience for your business Alaska USA for your business. It makes great business sense! To learn more about Business Checking Visit any branch Go to alaskausa.org Call (800) 525-9094
CONVERSION GUIDE The Independent Way Independent Bank s origins extend back to 93 when it first formed a local bank to serve the needs of its community. Independent Bank pledges to deliver unparalleled
BUSINESS ACCOUNTS DISCLOSURE Prime Alliance Bank Main Office 1868 So. 500 West Woods Cross, UT 84087 April 14, 2014 This disclosure contains information about terms, fees, and interest rates for some of
Managing Your Everyday Finances Making the Most of Your Relationship With Morgan Stanley. Managing your day-to-day spending, cash flow, and available funds are key features of your overall financial management
CHANGE OF TERMS NOTICE TO ALL CUSTOMERS This Change of Terms Notice to all Customers consists of four parts. Part I applies only to Consumer Deposit Account customers; Part II applies only to Ease by Bank
BENEFITS GUIDE Signature RBC Rewards Visa card A rewarding experience just for you. Great rewards start with your Signature. Thank you for choosing the Signature RBC Rewards Visa card. Now you can enjoy
Build My Savings Account Disclosure Arizona With the Build My Savings account from BBVA Compass, you can build an account that makes saving easy for you, and then rewards you for sticking to your plan.
Managing Your Checking Account People you trust. Advice that works. Member FDIC trustmark.com Keeping in Check Avoid unnecessary fees by staying in control of your checking account. 1. Record all transactions
MAS Package AN EXCLUSIVE BANKING SOLUTION FROM ANZ We are proud to offer MAS Members a comprehensive range of banking solutions. Whether you are buying your first home, building your property portfolio,
Your new checking account Getting started guide The information in this disclosure may not be entirely accessible to screen readers. Please call the Phone Bank at 1-800-TO-WELLS if you would like to obtain
Fees Guide to Personal Banking Solutions Effective May 4, 2015 02 Our Personal Banking Solutions At National Bank, we understand that, now more than ever, you are looking for high-quality banking solutions
YOUR BENEFITS GUIDE Welcome to your CIBC Platinum Visa card Welcome to your CIBC Platinum Visa card. And a completely different credit card experience. Your new CIBC Platinum Visa card comes with our promise
Marketplace Addendum Effective May 20, 2014 Welcome to Citibank and thank you for choosing us for your banking needs. This Marketplace Addendum is a supplement to the Client Manual Consumer Accounts. This
EXPLANATION OF VARIOUS KEY SERVICES AND CHARGES Here are some details about Regular Checking services. KEY ACCOUNT TERMS AND CHARGES: Monthly Service $8.95 Includes free Debit Cards, usage of Capital One
personal accounts personal services membership equity shares All fully-qualified members of Interior Savings must hold five Membership Equity Shares, each of which has a par value of $1.00. When redeemed
Putting You and Your Business First A guide to your new business accounts and services FirstMerit puts you and your business first. FirstMerit can make a true difference when it comes to helping you build
Discover the benefits of being a CIBC Tim Hortons Double Double Visa * Cardholder. CIBC Tim Hortons Double Double Visa Card Welcome Kit CIBC Tim Hortons Double Double Visa * Card Welcome to your CIBC Tim
SAVINGS ACCOUNTS BOSVG Fees Charge to open account $0.00 Deposit received in foreign cheque Cheque converted at current exchange rate, commission $5.00 per cheque, stamp duty Transfers received from overseas