Value Account

Ideal and a great value if you don't make many transactions. Maintain a $1,000¹ balance and the $3.95 monthly fee is waived. Value Account features:

• 10 transactions each month, including:
  • Interac Direct Payment purchases
  • Cheques
  • Green Machine withdrawals, account transfers and bill payments
  • EasyLine Specialist-assisted bill payments
  • EasyWeb Internet banking service bill payments and account transfers
  • EasyLine automated telephone bill payments and account transfers
  • branch withdrawals, account transfers, bill payments, and EasyLine Specialist-assisted transactions except bill payments.
• additional transactions - 65¢ each;
• additional withdrawal fee for Interac ABM of $1.50 each and PLUS system (inside U.S. and Mexico) $3 each and (outside Canada, U.S. and Mexico) $5 each
• Interact Email Money Transfers sent $1.50 each
• free paperless or monthly statement record keeping
• optional passbook² record keeping for just $2.25/month
• optional monthly cheque image return - $2.00/month (available with statement recordkeeping only)
• optional view cheque $1.50 per image, free with paperless
• Access Card
• Direct Deposit
• Pre-authorized Transfer Service
• optional Overdraft Protection for added peace of mind for $3.00/month plus applicable interest charges³

Value Plus Account

If you use your account frequently, this can be the best value for you. Maintain a $2,000¹ balance and the $8.95 monthly fee is waived (FREE for Full-Time Post-Secondary Students). Value Plus Account features:

• 25 transactions each month, including:
  • Interac Direct Payment purchases
  • Cheques
  • Green Machine withdrawals, account transfers and bill payments
  • EasyWeb Internet banking service bill payments and account transfers
  • EasyLine Specialist-assisted bill payments
  • EasyLine automated telephone bill payments and account transfers
  • branch withdrawals, account transfers, bill payments, and EasyLine Specialist-assisted transactions except bill payments.
• additional transactions -65¢ each;
• additional withdrawal fee for Interac ABM of $1.50 each and PLUS system (include U.S. and Mexico) $3 each (outside Canada, U.S. and Mexico) $5 each
• Interac Email Money Transfers sent $1.50 each
• Free paperless or montly statement, or optional passbook for just $2.25 per month
• optional monthly cheque image return - $2.00/month (available with statement recordkeeping only)
• optional view cheque $1.50 per image, free with paperless
• free interim statements at ABM
• Access Card
• Direct Deposit
• Pre-authorized Transfer Service
• optional Overdraft Protection for added peace of mind for $3.00/month plus applicable interest charges³

¹ Minimum monthly balance indicated must be maintained throughout the month.
² Passbook option not available on former Money Manager or Personal Chequing accounts.
³ Subject to credit approval, interest charges and applicable agreement.

Infinity Account

Unlimited transactions can mean big savings for very active accounts. Maintain a $3,000¹ balance and the $12.95 monthly fee is waived. Infinity Account features:

• unlimited transactions each month, including:
  • Interac ABM withdrawals
  • Green Machine withdrawals, account transfers and bill payments
  • Interac Direct Payment purchases
  • Cheques
  • EasyLine Specialist-assisted bill payments
  • EasyWeb Internet banking service bill payments and account transfers
  • EasyLine automated telephone bill payments and account transfers
  • branch withdrawals, account transfers, bill payments, and EasyLine Specialist-assisted transactions except bill payments.
• additional withdrawal fee for Interac ABM of $1.50 each and PLUS system (inside U.S. and Mexico) of $3 each (outside Canada, U.S. and Mexico) $5 each
• free paperless or monthly statement record keeping
• optional passbook² record keeping for just $2.25/month
• Cheque Image Return $2.00 per month
• optional view cheque $1.50 per image, free with paperless
• free interim statements at ABM
• Access Card
• Direct Deposit
• Pre-authorized Transfer Service
• optional Overdraft Protection for added peace of mind for $3.00/month plus applicable interest charges³

¹ Minimum monthly balance indicated must be maintained throughout the month.
² Passbook option not available on former Money Manager or Personal Chequing accounts.
³ Subject to credit approval, interest charges and applicable agreement.

Select Service

Our premium account. Take advantage of unlimited transactions and many other savings. Maintain a $5,000¹ balance and the $24.95 monthly fee is waived. Select Service features:

• unlimited transactions each month, including:
  • Interac ABM and PLUS system withdrawals
  • Green Machine withdrawals, account transfers and bill payments.
  • Interac Direct Payment purchases
  • EasyLine automated and Specialist-assisted telephone account transfers and bill payments
  • Branch withdrawals, account transfers, bill payments and history enquiries
  • Cheques
  • EasyWeb Internet banking service bill payments and account transfers
  • branch withdrawals, account transfers, bill payments, and EasyLine Specialist-assisted transactions except bill payments.
  • Additional fees for Interac Email Money Transfers sent $1.50 each
• free paperless, monthly statement or passbook² record keeping
• free Cheque Image Return
• optional view cheque $1.50 per image, free with paperless
• free personalized cheques
• free drafts and certified cheques
• free Borderless Plan with U.S. Dollar Account
• free small safety deposit box (subject to availability)
• no commission fee for Canadian and U.S. dollar travellers cheques
• 1/4% interest bonus on 1 - 5 Year GICs⁴
• $25 discount off annual fee on your TD Waterhouse Discount Brokerage Self-Directed RSP/RIF⁵
• Access Card
• Direct Deposit
• Pre-authorized Transfer Service
• optional Overdraft Protection for added peace of mind for $3.00/month plus applicable interest charges⁶

¹ Minimum monthly balance indicated must be maintained throughout the month.
² Passbook option not available on former Money Manager or Personal Chequing accounts.
³ Not available on former Investment Builder, Chequing Savings, or TD Premium Savings Accounts.
⁴ Offer does not apply to Redeemable or Special GIC Products.
⁵ Not available to clients electing to pay administration fees from outside Plan.
⁶ Subject to credit approval, interest charges and applicable agreement.

Elders Plan

If you're 60 or over, enjoy this special account, which features free services and discounts. Elders Plan features:

• Unlimited transactions each month, including:
  • Green Machine withdrawals, account transfers and bill payments
  • Interac Direct Payment purchases
  • EasyLine automated and Specialist-assisted telephone bill payments and account transfers
  • Branch withdrawals, account transfers and bill payments
  • Cheques
  • EasyWeb Internet banking service bill payments and account transfers
  • branch withdrawals, account transfers, bill payments, and EasyLine Specialist-assisted transactions except bill payments.
• additional withdrawal fee for Interac ABM of $1.50 each and PLUS system (inside U.S. and Mexico) of $3 each (outside Canada, U.S. and Mexico) $5 each
• free paperless, monthly statement or passbook¹ record keeping
• free Cheque Image Return
• optional view cheque $1.50 per image, free with paperless
• free personalized Basic Cheques
• no-fee Canadian and US dollar drafts
• no commission fee for regular Canadian or U.S. dollar travellers cheques, and a 1% discount on U.S. dollar dual signature cheques
• $5 discount on safety deposit box rentals (subject to availability)
• free deposit-by-mail service
• Access Card
• Direct Deposit
• Pre-authorized Transfer Service
• optional Overdraft Protection for added peace of mind for $3.00/month plus applicable interest charges³

¹ Passbook option not available on former Money Manager or Personal Chequing accounts.
² Some restrictions apply. Interest paid monthly. Minimum investment of $5,000.
³ Subject to credit approval, interest charges and applicable agreement

Tier Savings Account

Ideal if you keep a daily account balance of $5,000 or more and need easy access. Earn daily interest that grows with your balance.¹

Features

• two free transactions² each month; additional transactions are $1.25 each. Additional fees, including bill payments, transfers set up on a bill payment profile, Interac Direct Payment purchases and NYCE Debit Payment purchases $1.25 each
• Interac ABM withdrawals and Interact Email Money Transfers sent $1.50
• PLUS system withdrawals (inside U.S. and Mexico) $3 each (outside Canada, U.S. and Mexico) $5 each
• maintain a minimum monthly balance of $25,000³ and all fees are waived (except PLUS system fees)
• free paperless record keeping option regardless of monthly balance
• $2.25 monthly record keeping fee for statement or passbook is waived if minimum monthly balance of $500³ is maintained
• earn daily interest at competitive rates that grow with your balance¹
• convenient Direct Deposit

• EasyWeb Internet banking service
• 24-hour EasyLine telephone service
• Pre-authorized Transfer Service
• Electronic pre-authorized payments

¹ Tier Savings Account. Interest is paid monthly on the last day of the month on the following tiers: Tier 1: $0 to $2,999.99, Tier 2: $3,000 to $4,999.99, Tier 3: $5,000 to $9,999.99, Tier 4: $10,000 to $24,999.99, Tier 5: $25,000 to $59,999.99, bonus tiers - Tier 6: $60,000 to $99,999.99, Tier 7: $100,000 and over. For Tiers 1 to 5, the interest rate for each tier is paid on your daily closing balance. When your balance falls within Tier 6 or 7, you earn the Tier 5 interest rate on $59,999.99, plus bonus interest on the portion of your daily closing balance within Tiers 6 and 7.
² Debit transactions are withdrawals, transfers, cheques and electronic pre-authorized payments and the debit portion of bill payments, Interac ABM and PLUS withdrawals and Interac Direct Payment purchases.
³ Minimum monthly balance indicated must be maintained throughout the month.

Youth Account¹

A great daily interest account for those starting out.

Features

• interest calculated daily and paid monthly²
• unlimited transactions each month, including: Interac Direct Payment purchases, cheques³, account transfers, electronic pre-authorized payments
• earn daily interest at competitive rates that grow with your balance²
• Cheque Image Return $2.00 per month
• free paperless, monthly statement⁴ or passbook record keeping
• additional fees for Interac ABM of $1.50 each and PLUS system withdrawals (inside U.S. and Mexico) of $3 each (outside Canada, U.S. and Mexico) $5

Options

• EasyWeb Internet banking service
• 24-hour EasyLine telephone service
• Pre-authorized Transfer Service

¹ The Youth Account is only available to persons under the age of 19.
² Youth Account. Interest is paid monthly on the last day of the month on the following tiers: Tier 1: $0 to $4,999.99, Tier 2: $5,000 and over. Interest will be calculated by multiplying the interest rate for each tier by the portion of the daily closing balance in that tier.
³ Cheques will not be available on any MFAs (My First Account) opened prior to March 1, 2001.
⁴ Cheque Image Rreturn option is $2.00/month and is only available with statement recordkeeping.

Term Deposit and GICs

First Nations Bank of Canada offers fixed term investments through both Term Deposits and GICs for its customers who are interested in investing their money for a specific period of time in exchange for a guaranteed rate of interest.

Customers can invest their money for different periods of time ranging from 30 days to 5 years. A minimum investment of $1000 is required for longer-term investments (1 - 5 years) and a minimum of $5,000 on Term Deposits for short-term investments of 30 to 365 days. You can plan the maturity dates of all your fixed term investments and be assured of a guaranteed return on your investment. Interest payment dates and reinvestment options vary by product. Ask a First Nations Bank representative about all of your Term Deposits and GIC options.