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| DEPOSIT SERVICES |
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| Chequing Accounts |
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| Timesaver Chequing A full package chequing account with one low monthly fee Tiered daily interest up to $999.99 $1,000.00 to $2,999.99 $3,000.00 to $4,999.99 $5,000.00 and over No minimum deposit or balance required Unlimited deposit, withdrawal and chequing processing Unlimited Point of Sale (POS) transactions Passbook or monthly statement cheques returned free with statement Personalized cheque orders No charge for money orders No commission charge for traveller's cheques No charge for utility bill payments No charge for mortgage renewals Option overdraft protection (OAC) Monthly fee is waived for members over 59 years of age |
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True Chequing No minimum deposit or balance required Unlimited over the counter deposits and withdrawals Low per cheque processing fee Low Point of Sale (POS) transaction fee Passbook or monthly statement Cheques returned free with statement Business Current Account No minimum deposit or balance required Low transaction processing fee Cheques returned with statement No statement fees No maintenance fees |
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| Savings Accounts | ||
| 'Plan 24' Savings Account Daily interest paid on minimum daily balance No minimum deposit or balance required No charge for over the counter deposits or withdrawals |
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'Save with Joey' Children's Savings Account Daily interest paid on minimum daily balance No minimum balance or deposit required No fees at all No share purchase required |
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US$ Savings Interest paid on minimum monthly balance No minimum balance or deposit required No charge for over the counter deposit or withdrawals |
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| INVESTMENT SERVICES | ||
| Term Deposits | ||
| 30 days to 364 days Redeemable Minimum deposit $4,000.00 1 year to 5 years Non-redeemable Minimum deposit $1,000.00 |
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| Registered Retirement Savings Plans | ||
| Variable Rate: Minimum deposit $100.00 Interest paid annually No management or administration fees Fixed Rate: minimum Deposit $1,000.00 Interest paid annually Terms from 1 to 5 years No management or administration fees |
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| Registered Retirement Income Funds | ||
| Variable and Fixed rate plans Terms from 1 to 5 years Interest paid annually No management or administration fees INVESTORS SHOULD NOTE THAT EACH INDIVIDUAL RRSP & RRIF CONTRACT IS SEPARATELY INSURED TO $60,000 THROUGH THE DEPOSIT INSURANCE CORPORATION OF ONTARIO |
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Ethical Group of Mutual Funds |
 Click to get today's closing price on our family of Ethical Funds™. For complete information, visit our offices. |
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| CREDIT SERVICES | ||
| Personal Loans | ||
| Variable and fixed rate Terms of repayment from 1 month to 7 years Amounts up to $35,000.00 |
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| Lines of Credit | ||
| Personal Lines of Credit Available in amounts up to $10,000 No fixed repayment schedule Monthly peyment is a percentage of outstanding amount borrowed plus interest |
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| Merit Line Home Equity Line of Credit | ||
| Available in amounts up to $50,000 Secured by real estate No fixed repayment schedule Monthly payment is a percentage of outstanding amount borrowed plus interest |
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| Home Mortgages | ||
| 1st and 2nd mortgages available Fixed and Variable rates Terms from 6 months to 5 years Amortization period up to 25 years |
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| SUNDRY SERVICES | ||
| MasterCard™ Credit Cards Utility Bill Payment Money Orders Traveller's Cheques Safety Deposit Boxes Automated Teller Machines (INTERAC™ and Plus™) Member Travel Insurance Member Term Life Insurance Member Accident Insurance Member Credit Life Insurance (Loans and Morgages) Member Credit Disability Insurance (Loans and Morgages) Night Deposit Services |