President's Choice Financial|Costs for special requests and additional items

Costs for special requests and additional items

Beyond your day-to-day banking requirements, you may occasionally require special banking services. The cost of these special requests as well as any other additional charges are outlined below:

special requests	cost
stop payments requests:
when full details are provided (date, payee, cheque no., and amount	$10.00
when full details are not provided	$16.50
bank card replacement:	One free card replacement per year and $4.97 for each card over and above that. Note: there is no charge to replace returned damaged cards.
money orders and bank drafts – all currencies:	$7.50 (a courier charge will apply if you request courier delivery)
notice of caution
when money order or bank draft drawn in US currency or another foreign currency is halted	$25.00
American Express ^® Travellers Cheques and foreign currency:	Commission free (a courier charge will apply)
Negotiate US/Foreign Currency Cheques. Cheques written in U.S. Currency, Cheques written in Foreign Currency	$1,000 or less - $7.50 Over $1,000 - $15.00
Wire Transfers: outgoing Wire Transfers	Domestic: $20.00 plus cable cost per payment. International: $30.00 plus cable cost per payment
wire transfer from another financial institution:	Cost of $10 may apply to a transfer of funds to your account (please call to inquire).
Inter-Branch Payments (IBPs): CIBC IBPs	$20.00 per payment Note: additional out-of-pocket expenses may apply (drafts)
transfer of RRSP or TFSA to another financial institution:	$50.00 per transfer
transfer of account other than TFSA or RRSP to another financial institution (by means of a Balance of Account form):	$19.50 per account
retrieval of cheque images through telephone banking:	$5.00 per item
request current or future paper statements for the no fee bank account:	$1.00 per statement, per month
retrieval of past statements:	$5.00 per statement
customized account confirmation letters as requested:	$16.50 per letter
client initiated Automated Banking Machine and Point of Sale investigations:	$10.00 per investigation Note: there is no charge to initiate investigation of unauthorized transactions. However, a charge may apply if we determine that the transaction resulted from customer error.
Voucher search fee (excludes electronic cheque presentment):	$5.00 > 90 days $15.00 < 90 days
Bill payment trace/refund:	$10.00 per payment trace/refund
additional items	cost
Dishonoured Cheque Deposit Fee: a cheque that is deposited into your President’s Choice Financial account and subsequently returned dishonoured by the drawing bank.	$7.50
withdrawals through bank machines not displaying the President's Choice Financial or CIBC name or logo:
in Canada (Interac ^® network)	$1.50*
outside Canada (foreign ABM charge)	$3.00* *some bank machines may levy additional surcharges
foreign currency withdrawals through bank machines outside Canada:
foreign exchange rate; and	same conversion rate we are required to pay; and
administrative fee	2.5% of the converted amount
overdraft protection:	$4.97 minimum charge. This charge will apply each month in which overdraft is used. Note that a fixed rate of 19% per annum will also apply on overdraft balances. Rate subject to change.
not sufficient funds (NSF) charge (i.e. cheques, transfers, pre-authorized payments, post-dated bill payments):	$40.00
Inactive or Dormant chequing and savings accounts that have been inactive/dormant for 2 years or greater (up to 9 years):	$20.00 each year (After two years of dormancy).

Any additional charges relating to a specific product are disclosed separately.
Please note that these special requests and additional charges may change from time to time. We will mail you a notice of the change at least 30 days before it is effective or otherwise advise you (such as posting a notice online) at least 60 days before a change becomes effective.

effective November 23, 2008