Envision Financial

Business Service Fee Guide

At Envision Financial, we like to make things simple for our business members—so here is a handy list that you can reference for account related service fees.

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As of Dec. 1, 2018, we've made some changes to the products and services we offer. Learn more about how these changes impact you.


Member Service Fees

Account Related Fees

Account closing (within 90 days)
Bank confirmation—standard
Bank confirmation—comprehensive (min $50)
Chargebacks (deposit NSF cheque)
One-time fee after 18 months of inactivity
Inactive account (per month after 18 months)
Non-sufficient funds (NSF) cheque
Office cheque (for member)
Office cheque (for non-member)
Order duplicate printed statement
In-branch statement printout
Stop payment (in-branch & electronic)
Telephone request to transfer funds between accts
Un-encoded cheque
Counter cheques - encoded (sheet of 2)
Order cheques
Cheque written in U.S. funds on CDN account
Foreign currency/cheque ABM deposit

Automatic Funds Transfer (AFT)
powered by PaymentStream

New AFT service set up fee
Manual file transmission (cost per release)
Additional charge within each file (cost per item)
Automatic transmission (cost per month)

Wire Transfers

Send CAD funds within Canada
Send CAD funds to other countries
Receive CAD funds
Send USD funds to USA (fee in USD)
Send USD funds to other countries (fee in USD)
Receive USD funds (fee in USD)
Send currency other than CAD or USD to all countries

Loan & Mortgage Fees

Application Fees

Agricultural (min)
Commercial (min)
Standby fee (min)
Letter of credit & undertaking—domestic (min)

Late Filing Fees

Monthly information requirement (i.e. accounts receivable & payable statements) per occurrence over 45 days late
Year-end information requirement per occurrence over 60 days late ($250.00 per month thereafter)

LOC / Overdraft / Approved (including excess)

System generated fee per txn for excess LOC or OD
Manual transfer from another account to cover overdraft

Mortgage Fees

Mortgage discharge (prepared by lawyer)
Mortgage discharge (prepared by Envision)
Mortgage renewal (minimum cost)
Progress draw—or as negotiated, per advance (includes search fees)

Other Fees

Annual review—loan & line of credit (min/per annum)
LOC margining admin fee ($100 min)/month

Everything Else


Credit reference request
Letters (minimum)

BizSimple™ Cheque Deposit

Monthly fee per scanner
Setup fee
Per additional unlisted transit
Add additional account
Remove account
Remove unlisted transit

Night Deposits

Per 100 bags
Lost Key Replacement

Safe Deposit Boxes

1.5" x 5" (price/year—excluding taxes)
2" x 5" (price/year—excluding taxes)
2.5" x 5" (price/year—excluding taxes)
3" x 5" (price/year—excluding taxes)
3.75" x 5" (price/year—excluding taxes)
5" x 5" (price/year—excluding taxes)
2.5" x 10" (price/year—excluding taxes)
3" x 10" (price/year—excluding taxes)
5" x 10" (price/year—excluding taxes)
10" x 10" (price/year—excluding taxes)
Replacement key
Drilling box

*applicable taxes may apply to some services.
**includes 1 unlisted transit and up to 10 accounts.