Prospera is applying to continue federally for the purposes of immediately merging with Coast Capital and Sunshine Coast credit unions. Find out more here.
For full details about changes in deposit insurance, see the Notice Pursuant to the Disclosure on Continuance Regulations.
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ATM / Branch

Here’s what account “extras” cost.

    Account fee category
    Service
    Fee
    Balance of account Transferring a Prospera account balance to another financial institution $25.00
    Change of signers Per change, after the first one in a year $25.00
    Clearing Chargeback — third-party cheque $7.50
      Unencoded/unqualified items $5.00
      US dollar funds drawn on Canadian dollar account $10.00
      NSF cheque or pre-authorized payment $45.00
      Stop payment $15.00
      Tracing bill payment $20.00
      Non-member cheque cashing $15.00
      Cleared item search  $5.00
      Cleared item search  $40.00/hour
    Closing account within three months Personal and business $25.00
    Collections On-site collections $25.00
      Held for collection (10 days) $35.00
      Cheque sent on collection (excluding any fees from other institutions) $35.00
    Dormant account (inactive for 12 months) Per month $5.00
    Bank draft for US dollar or foreign currency Per item $10.00
    Automated funds transfer for businesses Set-up fee $150.00
      Auto release $60.00
      Manual release $10.00
      Add another originator id $75.00
      Credit union transaction $0.00
      Other financial institution transaction $0.00
      Mass error correction $10.00
    Wire transfer Incoming $15.00
      Outgoing $45.00
      Outgoing - remote instructions (available to Business Banking members only) $90.00
    Foreign cash order Per item (excluding USD) $20.00
    Letters+ Bank confirmation, immigration, interest $35.00
    Debit card Replacement of lost debit card $5.00
    Night depository+ Annual key charge (if applicable) $10.00
      100 small plastic bags $30.00
      100 large plastic bags $55.00
    Paper statements Per statement $2.00
    Photocopies+ Per sheet $0.50
    Postdated held for deposit Per item $5.00
    Registered products RRSP/RESP/RRIF closed* $100.00
      Self-directed RRSP/RRIF closed*+ $100.00
      Self-directed annual plan adminstration fee+ $100.00
      RESP T4 $0.00
      RESP annual fee $0.00
    Transfer out RRSP/RRIF/RESP/FHSA $150.00
      TFSA $150.00
      Self-directed plan balance — partial or full+ $50.00
    Telephone transfer Per item $5.00
    Safe deposit box**+ Extra-small $40.00
      Small $55.00
      Medium $75.00
      Large $85.00
      Extra-large $140.00
      Extra-extra-large $245.00
      Lock drilling (member lost keys) $172.50
      Key replacement $15.00
    Statements Hold statement for member pick-up in branch $10.00
    Stop payments Per item $15.00
    Tax receipt+ Copy $5.00

    Personal loan fees

    Service
    Fee
    Personal loan and LOC application fee $50.00
    PPSA registration fee (incl. lien search, registration, renewal, change registration) $50.00
    Loan alterations (payment terms) $25.00
    Renewal Free

    Personal mortgage fees

    Service
    Fee
    Application fee (specialty lending)Contact branch for details
    Appraisals (Landcor and BC Online Assessment)$100.00
    Assumption$100.00
    Mortgage discharge$75.00
    Mortgage alterations (payment terms)$25.00
    Mortgage re-advance$200.00
    Mortgage renewal administration fee$75.00
    Blend & Extend$500.00
    Land title search$15.00

    Personal and business cheques

    Service
    Fee
    Ordering cheques The price of ordering cheques varies depending on several factors like style, customizations and add-ons. Contact our Member Service Centre at 1 888 440 4480 to get a quote or view our current pricing sheet here.

    How to reach us

    Call our Member Service Centre

    Toll free
    1 888 440 4480

    Monday to Friday
    8 am - 8 pm

    Saturday 9 am - 5 pm

    Contact tech support
    Send us an email

    Fill out our contact form

    Meet online or in person

    Book an appointment


    View branch locations or find an ATM

    *Closed within six months for Prospera.
    **Not available at all locations.
    + GST is applied to these service fees.