I just don't understand how can banks get away charging people 20-30$ a. Tap Send money internationally, then tap Bank deposit. ago. Been dealing with Scotiabank for 30 plus days to resolve an online access issue and still not resolved. It functions like a term deposit account, with a base interest rate and a premium rate add-on depending on how long you keep the deposit. However, if you use the app, the deposit could be canceled due to the picture not being clear. 00. A maximum of five Premium Periods at any one time, each of which can have a length of 90 days, 180 days, 270 days, or 360 days. It functions like a term deposit account, with a base interest rate and a premium rate add-on depending on how long you keep the deposit. Dollar Accounts10: The account statement cycle average credit balance must be more than the deposit float compensating balance. They might hold onto the funds until the account is reopened so they can complete the direct deposit. Either maintain a min. Declined transaction at another local bank: TT$1. I went to the branch, I was told they cant do anything, and I had to call the. Step 2 - Open a bank account for the business. 1. If you can find some one with a simplii financial account you can use their referal code for $50 and if you set up an eligible direct deposit (not sure if odsp is) you will get $350. It’s a safe, easy way to transfer money to anyone with an email and a Canadian bank account. Should I be concerned and if I should be when should I be. Scotiabank App glitch. 01. Review your personal info and tap Continue. The line represents a certain weight which equals a certain number of pennies. If your employer uses ADP for payroll you can create an account and check on Wednesday for your paystub. How to sign up for direct deposit Salaries and government payments are examples of payments commonly made through direct deposit. The Guide of editing Direct Deposit Form Scotiabank Online. You can get more information about Government of Canada payments by direct deposit by going to Questions on direct deposit. Unless it is changed, they don't take cash. To view your direct deposit details: From the app’s Home screen, tap your chequing account; Tap Manage; Under Direct deposit / void cheque info, tap View to. Step 1 - Open a business. " Hey I have Scotiabank and I use Itrade, it would be easier for you to set up and transfer money into. Shop online. Unlimited free Global non-Scotiabank ABM withdrawals 10 free equity trades at Scotia iTRADE in your first year (approximately $100 value) and 5 free equity trades every year after Free small safety deposit box ($60 annual fee waived) Free credit score No monthly account fee on a Scotia® U. Open a new Ultimate or Preferred Package account between November 1 st and February 29 th, 2024. The ADP payroll statement even says it was deposited to account: NOTIFICATION OF DEPOSIT TO ACCT. Small business. Although direct deposit takes one to three business days to process, many employers use payroll software to set up a specific date that you’ll get paid, which speeds up the pay timeline. What time do your direct deposit checks go in to a scotiabank? Updated: 9/17/2023 Wiki User ∙ 9y ago Study now See answer (1) Best Answer Copy It goes in at. Clients with a Scotiabank Ultimate or Scotiabank Preferred chequing account package earn additional interest. Scotia Itrade has like a hundred ETFs that cost 0$ commissions to buy. What time does chase post direct deposit? In most cases Chase Bank will post a direct deposit immediately, upon receiving the direct deposit. Tap Direct deposit/void cheque info. I’m not quite sure as to when doors exactly open but it seems tae though doors generally open ~45 min before the concert is set to begin. If you have direct deposit, at what hour of the day do your benefits get posted to your bank account? I used to use the special RBC card. Here's the thing with banks (and credit unions, caisse Desjardins being the main one, as well): They offer x amount of services for y amount of money. Get your education in Canada started right with the Scotiabank StartRight® Program 3. While small amounts deposited to your account can reflect within a few hours, huge amounts take longer. 2nd question, what if tomorrow morning, scotiabank suddenly found the remaining $45 cash? tell them i dont need it anymore?The length of time you have dealt with the Scotiabank branch, the amount of funds already in your account, and the amount and. Banking fees can vary based on the accounts you have and how you use them. Branches don't take unrolled coin, because the Staff is busy and don't have time to roll coin themselves. I am trying to understand the best way to get this 300 bucks. Eligible Registered Account (s) Cash Bonus. 95 monthly fee, and the BMO Premium Chequing has a $30 monthly fee. No interest paid on chequing, NSF $45, overdraft $5 per transaction overdrawn + interest. Welcome to. 7 USD+1%) Scotia International Money Transfer: 1. Done with Scotiabank. And its not my phone. Same hold limits (set on an account-by-account basis) would apply regardless of how the cheque is deposited. Although bank drafts are usually not held, banks can be a little more difficult these days - so it might be held for a short period (4 bus. Will this work?I had a student account at BNS when I was 14. mostly Wednesdays after 2 AM. BigBankBaller • 8 yr. Renewal ScotiaCard TM Visa® Debit. TatiLovesFinance. 05% on balances over $5k, no interest on balances below $5k this account takes about 12 hours to. I have all my scheduled transfers set for Friday (and they run at 3am ET) since the deposits are well in there for basically a solid day beforehand. to 5:00 p. I recently tried applying for my first student credit card online with Scotiabank, only to get declined since they said I didn't have sufficient credit history. When you deposit your money using this service, it will be available in the receivers account sooner than depositing with other means. A hold of up to 5 business days is placed on deposited Canadian dollar cheques to allow time for them to clear the account. The Scotiabank MomentumPLUS Savings Account is its high-interest savings account. Direct deposits can take between one and three days. Client sent me a transfer, but I never got anything after 30 minutes+ of waiting. Other option is sell the mutual funds and get cash (in form of a cheque or direct deposit to your bank account or whatever) then just add it to your QT TFSA using normal method. If you’re someone who has to have a Secure because you’ve burned some other banks in the past, I. Select the account you’d like your funds deposited to. 1. 70 is likely the 2. 4% of the population lived in poverty in 2021 / Selon le seuil de pauvreté officiel au Canada, 7,4 % de la population vivait dans la pauvreté en 2021 But if u apply Sunday night, it'll be in your bank account at 4 am on Tuesday Morning. U. Instead, you use your smartphone or tablet to take a picture of your cheque and deposit it into your chequing or savings account. 07% MER, part of which gets paid as commission to the guy who's recommending it to you. Sometimes it’s the wee hours of the morning, sometimes it’s in the evening. The 5. My normal payday is every other Friday morning. Sign it in a few clicks. For these. 2. Transferring $10,000 from a card that charges interest on that balance at the rate of 19. Subsequent DDs from the same payer usually come a bit quicker. For direct deposit information specific to the Canada Revenue Agency, see the questions and answers below. Plus, get rewarded and earn SCENE points or Scotia Rewards on all of your debit purchases. My main banks direct deposit usually posts anywhere from 2-3 AM on Friday. 03. Nov 19th, 2019 10:15 pm. Minimum Qualifying Investment Amount*. Same hold limits (set on an account-by-account basis) would apply regardless of how the cheque is deposited. Increase productivity - employees won’t have to visit their bank branch during working hours to cash cheques. Both government and private student loans are available, and there are important differences between them. Access to over 1,100 Scotiabank branches and 4,000 ABMs across Canada. Anybody know when its supposed to come in by direct deposit? Im with scotiabank This thread is archived New comments cannot be posted and votes cannot be cast comments. I worked there. You need to use Tangerine to pull money from TD and then push that money to RBC. 2. BouncyEgg • 4 mo. Or check it out in the app stores Home. Scotiabank fees. If you are supposed to get paid this Friday it would be last week and the week before that that would be on your check, so if you had hours from last Saturday you should be getting at least a shifts worth this week. ago. $3,000 into both a new Eligible RRSP and a new Eligible TFSA (for a total minimum of $6,000 combined) Both an Eligible RRSP and an Eligible TFSA. Enrol for direct deposit to get your Canada Emergency Wage and Canada Emergency Rent Subsidy payment quickly and securely. It varies significantly on Tuesday, but it’s somewhere in the 1-4p Eastern range. 1. At the end of the day, Scotia bank offers a much better high interest savings than TD does. ) will be honoured up to your pre-set overdraft limit (subject to credit approval). christian talk radio hosts / speed increased by 13 for each shadowlands At the moment, the national average GIC interest rate is 3. To enrol in direct deposit with CRA: From your Accounts page, select your chequing account ; Select Direct Deposits & Payments; Go to Canada Revenue Agency Direct Deposit Enrolment and select Enrol Now; Select the account you’d like your funds deposited to; Review your personal info and select Continue VDOM DHTML tml>. We recently discovered that we’ve been having multiple payments of $70-$150 coming out of our account biweekly for over a year. I find it annoying. •. Here's the difference between Scotia and Tangerine. They do. Visit directdeposit. No more waiting for physical cheques to arrive or trips to your branch or the ABM. In the unlikely event that the FI fails, your money is protected. Employer problem not sofi read the fine print, and all of it. Scotiabank money transfer. What time of day does direct deposit hit? A $0 transfer showed up in my bank yesterday (I assume that it was a test to confirm the accuracy of my DD info). If you don't have an account, you can use a referral and you make 20$ after verification and a small funding. Banks process deposits and payments made during business hours. I get mine Tuesdays or Wednesdays now. Select “Direct deposit/void cheque info”. m. Separate EFT service agreements must be set up if both USD and CAD EFT transactions are required. Transactions done past these hours are processed the following business day. But I'd deposit it inside with a teller, I wouldn't want to risk the ATM running into issues or anything. I don’t know about direct deposit but I do know every time I pay my loc or cc with Scotia it takes 3 days. Get more for payroll direct deposit form scotiabank. 1. Like at 2-3am. For one low monthly fee, you can protect yourself from overage charges no matter how many times you use it as long as the overdrawn balance is within the overdraft limit. I get paid every other Friday. Bank anywhere. How do I enrol in direct deposit with the Canada Revenue Agency through Scotiabank? How do I get a void cheque? View more on Digital banking Bank accounts What's. For each Premium Period, Premium Interest is calculated daily by applying the Premium Interest Rate to each deposit, including any accumulated Regular Interest, until the end of the Premium Period. Overdraft fee: $5. Security. For example, Scotiabank offers a specific GIC program for international students with an easy online application. I have Capital One 360 checking, and my direct deposit always posts around noon Tuesday and my payday is Thursday. Do I need to make a minimum deposit? No. You can. The BMO Performance Chequing has a $16. Your name on bank account. Rare-Brilliant9408. With the MBNA card you can redeem as often as you want, in whatever form you want – a cheque, a deposit into your account or a statement credit. ago. Investing. Cash transfer through Western Union. But there are factors that can affect how long it takes your direct deposit to. Register your email to automatically deposit transfers into your pre-selected account. I called my bank and they said they didn't receive the payment, while my client is unable to cancel the payment because their bank has stated. Unlimited free Global non-Scotiabank ABM withdrawals 10 free equity trades at Scotia iTRADE in your first year (approximately $100 value) and 5 free equity trades every year after Free small safety deposit box ($60 annual fee waived) Free credit score No monthly account fee on a Scotia® U. Direct deposit from your job, or Uber, Lyft, door dash. td bank did in fact clear my direct deposit 1 business day later. 14. In addition, all DIF member banks are also FDIC member banks. I usually get paid on Wednesday’s (today) around 4:00pm-4:30pm. You can e-transfer for up to 2500 or 3000/day typically. Enrol now. We enter in the computer "5". At the slowest, it will be 2-3 weeks after the initial 30-day evaluation period (so about 45-50 days after your first direct deposit). Mine posted a between 8:30. If you complete your report on: December 14, your direct deposit is scheduled for December 16 December 15, your direct deposit is scheduled for December 17 December 16, your direct deposit is scheduled for December 18 December 17, your direct deposit is scheduled for December 21 December 18, 19 or 20, your direct deposit is scheduled for. All in all, a pretty solid return for a low minimum deposit. If you need assistance at any point, select the help icon. So the way in which I am currently earning the elevated rate would not qualify me for the elevated rate under the new rules? Yeah, if direct deposit is needed for the 1% Apy, then cash app, Venmo, don't qualify. 3. 95 fee even though I had the $4000 minimum to waive the fee all last month. A minimum deposit is not required to open a personal deposit account. or 6 p. $25. No need to sign in or answer any security questions. $99), plus you get FYF, 10,000 welcome points, and the $100 GCR rebate as mentioned above. 1. Shows in my account. 3. Need help signing in?It appears that the delay in receiving your direct deposit was likely due to the short work week this past week. Enhance. I just don't understand how can banks get away charging people 20-30$ a trade. 9. If you take an interest in Tailorize and create a Direct Deposit Form Scotiabank, here are the simple steps you need to follow: Hit the "Get Form" Button on this page. Earn an additional 0. chprlatte465. New comments cannot be posted. So if you just TELL me your account number is 123456 it'll get rejected. So far my check hasn’t. 60% maximum savings interest on the Scotiabank MomentumPLUS Savings Account is only for a short period for new customers. chprlatte465. Only when compared to those few trad banks that hold your funds until the DD is fully confirmed. You get an extra 0. 1. This is the official support Reddit community for Kraken Digital Asset Exchange. 9. I get notifications for withdrawals. Our representatives are available to speak with you Monday to Friday, 4 a. 9 Use promo code SRPE15. Employers also secure currency by avoiding franking, coverages, instructions job participated are check signed, and other costs. you maintain a minimum monthly balance of $3,000, you will get two free transactions. Every other bank is usually the next day. They're all over the place in Montreal. 35% until August 31, 2020. I'd always get the benefits around 5:30. 40% as the starting point. SoFi Official SoFi Account • 1 yr. The amount of history available depends on when you registered for Scotiabank Internet Banking. Just looking for a bank where I can store my poorness in a debit card and they won't charge me a lot for it. Without knowing how much your item is, sounds like the $4. I'm TD, and my deposit came in between 3 and 3:45 am. I dont have time to wait an hour for my purchase. Hi PFC, I was under the impression that Scotiabank pays interest on their savings accounts on the last day of the month (that's how it always appears…Setting Up Direct Deposit to Receive Payments. Like I said, this is my first DD, I’ll update the post if my future deposits come at a different time. case_on_point • 4 mo. View more on 2-step verification. Close your old account. Open a checking account, put 4K in there (the loss of interest growth on 4K is about half the cost of the $14/mo the account costs without the 4K), do some payroll and bill pay stuff per the rules, get $300 within 2 months. . This is the most important and private piece of information you’ll need. Most employers take 2-3 weeks to set up a new direct deposit. If post-secondary is part of your future plans, there are many ways to fund your education, including RESPs, student loans, lines of credit and scholarships. Direct deposits and cash payments reflect in the recipients account almost immediately. Canadian citizens can contact the Canadian Anti-Fraud Centre (CAFC) at 1-888-495-8501 or visit the CAFC reporting page for more information. What time do your banks direct deposit hit? Me and my gf both get paid on Thursdays with RBC and she gets hers early evening (around 7-8 pm) Wednesday and I only get mine at 2:30 / 3am on Thursday. To report fraud or suspicious activity on your Scotiabank account, please call us immediately at 1-866-625-0561. Your payroll is electronically deposited into each employee’s designated account. Once direct deposit is active members will automatically receive your paycheck funds up to two days early every time you get paid. Set up 2 eligible separate recurring pre-authorized transactions, like a mortgage. No monthly. Direct deposits can take between one and three days. This happens very much on a case-by-case, bank-by-bank decision. For me, the times I get the deposit one day early are between 6:50-7:15am ET. It should cost ~$8. Most employers take 2-3 weeks to set up a new direct deposit. They gave me a reference code that I gave to my bank ( Scotiabank) who verified it and they opened up a Case ID. They do backdate the payments from date sent though. The internal question on their end is whether or not you want to use the mobile app or desktop online banking. Welcome to. Been receiving payments via e-transfer and have auto-deposit on. Same here I called this morning because I get mine on Sunday around 10 pm all the time, it's Monday 4:35 no money yet. A maximum of five Premium Periods at any one time, each of which can have a length of 90 days, 180 days, 270 days, or 360 days. If you have reports that were done, it’ll be 2-3 days from when your claim was finalized/reports were processed. $80. But yes, banks accept pennies. How much time does the request takes before taking effect, and is it too risky in this time of Phoenix fiasco? Asking because I opened a new bank account in another bank and I get benefits for transferring my direct deposit pay to them. Don't buy it, waste of money. That said the majority of direct deposits of any kind typically come either overnight (like your province of BC deposit) or in the late afternoon/early evening (usually before 6pm ET/ 3pmPT). I have stable income and I can't stomach $14/mo for a bank account. Scotiabank has a duty to file Cash Transaction Reports (CTR) when you deposit or withdraw $10k usd or more in a day. Add the above, you get the 2. Tangerine is a subsidiary of Scotiabank, but unlike its corporate sibling Tangerine has very few limited locations. Add your landlord there and have a check sent to them each month. If the deposit has not yet posted, or if the deposit was made to an account you do not access online, call us at 1-800-TO-WELLS (1-800-869-3557). Banking Basics CRA Direct Deposits Canada Revenue Agency (CRA) Direct Deposit Enrol for direct deposit to get your government payments quicker Enrol now When you sign. If you deposit a cheque which is encoded with magnetic ink character recognition and not damaged or mutilated, the maximum hold period that we will place on that cheque is as follows: • Cheques drawn on a financial institution’s branch located in Canada; - Canadian dollar cheques, maximum hold period of 4 business days after the day of. days) while RBC waits for it to 'clear'. Review your personal info and tap Continue. Save time and money by avoiding the costs of cheque handling, printing, and reconciliation. on payday morning. Funds come straight out of your bank account so it's simpler for you to manage your money. 7%. ago. Just a. • 14 days ago. Try to get a chat with bank manager. Frequently asked questions about direct deposit. Review your personal info and tap Continue. If you already have direct deposit set up with the Canada Revenue Agency (CRA), you don't need to enrol again unless you want to update the deposit account to be used. March 7, 2023 By: comment By: commentUpdate June 29th, 2023: Canadian banks are becoming more and more strict with online gambling transactions – especially within Ontario, despite it being a regulated space – but there are some exceptions (see our list below of specific banks to avoid). Your name on bank account. If your payments are up to date, just give us a call at least two days before the due date to: 1-877-303-8879 (English) Monday - Friday, 8:00 a. Reddit . Only if you put it in a different premium with $5000 in the one and $1000 in the other. How to save on bank fees. That’s a general comment. , Monday to Friday or anytimeWhen you look at the link it says "If your issue has not been resolved by the first two steps in Scotiabank’s Complaint Resolution Process" which means he needs to call scotiabank and follow the escalation procedure before filing a complaint with the ombudsman you can't skip this step. And the interest is only accessible when you leave it in the account for a minimum of 90 days and a maximum of 360 days. Pay day is Friday but always get it early AM Thursdays. m. Then I switched to scotiabank, but I can't figure out how to get deposit notification on their app, only withdrawal notifications. The risk of cheques being lost or stolen is eliminated, and the money is instantly available – no waiting for funds to clear! Direct Deposit also saves your business money. Also, that wasn’t my question. I just got an email that early direct deposit is here. To set up direct deposit, you’ll need your transit number, institution number, and bank account number. 00. Declined transaction at another local bank: TT$1. assuming 20. Lost/ Damaged Replacement ScotiaCard TM Visa® Debit. With Scotiabank’s Direct Deposit service, you both save time. In many cases, direct deposits hit accounts even earlier, often between midnight and 6 a. However, most banks finished the direct pledge before 6 am, permissions many patrons to wake up the next day through the funds sits in ihr accounts. Contact us. With SoFi the direct deposit hits my account around 5:30pm Pacific Time on Wednesday two days before. The stipulations were that I had to have payroll or bill payments happening from the account, and have it open for 90 days. I usually get paid around 2pm Eastern. 7. m. 92 becomes $80. 62. However, the opening and closing hours vary with branches. Step 4 - Set up automatic payments to each new account of small amounts until direct deposit requirement is met. Yes, with new direct deposits I find. Scotia and credit unions are the only ones I know of personally that hold to deposit on a Monday morning, everyone else minus deposit issues it would be there Friday night or Saturday morning to be available for Monday. If you’re not a Scotia customer, call your local anti-fraud centre. Hey Redditors, This Is Actually My First Time Using Coinbase’s Direct Deposit & I Was Informed That It “May” Take 2-3 Pay Periods To Deposit Money Into The Account From The Employer. This is why I switched to a credit union ~4 years ago. Also u/gigglios, you can phone 1-800-363-9992 and talk to Direct Banking to get holds reduced or deleted. The Scotiabank Alerts service allows you to subscribe to various alerts for your Accounts. Direct deposit is a fast, secure and convenient way to receive payments, an example of this is having your pay cheque deposited directly into your bank account. Remember my username or card number. Thank you. The alerts happen in real-time and can be resolved quickly, 24/7. The state has opened up and weeks into it unemployment is still unreachable. Set up and clear at least one automated and recurring direct deposit, such as payroll or pension, which will recur monthly for a minimum of 3 consecutive months. ago. Which, obviously not, because I've never had a. Ask our team of experts 1-866-760-2661 English Personal Cheques Personal . ago. If possible, get direct deposit rather than dealing with cheques. Reddit and its partners use cookies and similar technologies to provide you with a better experience. It is for Oct 29, 2018 (today) which is a Monday. When it comes to EI specifically, they process reports around mid day Sunday. It's an actual policy - I worked as a CIBC Teller. kenmacd. To start direct deposit or to change your banking information related to direct deposit the following must apply: you are a Canadian payer or agent. If you complete your report on: December 14, your direct deposit is scheduled for December 16 December 15, your direct deposit is scheduled for December 17 December 16, your direct deposit is scheduled for December 18 December 17, your direct deposit is scheduled for December 21 December 18, 19 or 20, your direct deposit is scheduled for. If you hold it for longer than 180 days. Tap Manage. Best. Also not every bank account has this feature (usually it’s only online banks that can do this). 00. Tap Enrol Now. For at least a year or 2, I've. The first time it likely won't be early, 3-5 business days, so starting Monday would be normal. to set up direct deposit for government payments and/or your pay-cheque. I tried playing around with the settings but that didn't seem to work. m. The time always fluctuated, it was never consistent. Also, that wasn’t my question. Visa debit is a good idea too. ) From my understanding, if I were to transfer any amount of money into the MomentumPLUS account, I will make . Shoddy_Buffalo_9673 • 19 days ago. Double check your statements if you have the same account!You have to change the banking info first. Scotiabank Ultimate Package Promotion $350 Bonus. Nothing today though. I called my regular bank ( citizen bank ) they told me they got a notification but not the actual deposit so they can’t post it. Can confirm,. Stack has an almost bank-like interface. I'm a big fan of their direct banking service (Tangerine) which offers great value with solid marketing. Does anyone know how long it takes for a disputed charge to settle? Long story short, I had a transaction that was unable to complete and the merchant issued a refund that didn't arrive. Lost/ Damaged Replacement ScotiaCard TM Visa® Debit. Yes, with new direct deposits I find. cheques, pre-authorized payments, etc. Dollar Daily Interest AccountScotiabank charging for prefered package. Remember my username or card number. Small business. Quick 10 minute phone call and they reveresed the fee. 95/m for 12 transactions per month, $1 per transaction thereafter. Interac E-transfer Autodeposit Not Arriving. If you can't find what you're looking for, type in your question in our Help Centre. MonkDouble4159. . Learn ways to deposit your money directly. There’s one caveat, however. I did noticed that I got $600 for one week only and not for the weekend of 8/01/20 😵. I have a LOC at one of the big banks with. Cash App direct deposits are made available as quickly as possible once they’re sent: while Cash App itself doesn’t mention a specific time of the day on their website, it takes about 1-5 days for the funds to hit your account. For the 50 cad bill payment, can it be a payment to Koodo for a sim only phone plan?y’all are lucky my direct deposits never hit before 10pm on wednesdays (usually between 10pm and 12am) then Chime will change the time of the deposit making it appear as it hit two or three hours earlier than it actually did. The average cost of full-time tuition in Canada sits at $6,834 annually. Free unlimited transactions: It offers access to unlimited free transactions, eliminating deposit and withdrawal limits. Stack has an almost bank-like interface. • 3 yr. If they didn’t send it before today, then you wouldn’t get your deposit early unfortunately. We would like to show you a description here but the site won’t allow us. Direct deposit with a foreign bank account for the Federal Public Service Pension Plan By phone (collect calls accepted): 506‑533‑5800 (Monday to Friday 8 am to 5 pm Atlantic Time) Weekends, holidays, and Monday's get me a longer wait time, up to 3 business days. Phone. I Got charged the 15. 07 and 0. If you have checks for the Scotia LOC, link it as an external account with the info on the bottom of the cheques over at RBC. 5. The institution number (or bank number) is 3 digits. Most places choose to fax that info in. Super pissed off with BMO. m. Contact us. If you’re asked to do this, write “VOID” across the front of a blank check, which ensures the check’s unusable if it’s lost or stolen. ABM withdrawals outside Scotiabank’s network. We make it easy to open a personal deposit account at Scotiabank. Select the account you’d like your funds deposited to. I applied for the CRSB on Tuesday. You can open a GIC while still in your home country by sending a wire transfer of $10,000 CAD plus any applicable fees to a CDIC insured bank.