FirstOntario account fees
FirstOntario prints plan prices on the chequing page and a separate fee schedule for NSF, wires, and drafts. This page keeps those two sources apart. The chequing page was opened 21 October 2026. The fee schedule link served a PDF dated 20 January 2025, version 2.
Last updated: October 21, 2026
Last checked: Oct 2026
Chequing plans on 21 October 2026
Opened 21 October 2026. Source: FirstOntario chequing accounts. Pay As You Go is $0 a month. A bill payment or transfer is $0. A debit card transaction is $0.50. An in-branch withdrawal, a cheque, or a pre-authorized debit is $1. An Interac e-Transfer is $1.50. Overdraft protection is $2.50 a month.
Premium is $0 or $13.95 a month. The $0 applies with a $4,000 minimum daily balance or $1,500 a month in payroll or pension direct deposit. It includes unlimited transactions and 10 free Interac e-Transfers a month, then $1.50 each. Premium Unlimited is $0 or $19.95 a month, with a $6,000 minimum daily balance or $2,500 a month in payroll or pension direct deposit, and unlimited e-Transfers. The US dollar chequing account is $0 or $1 USD a month with a $200 USD minimum daily balance. It includes two free withdrawals a month, then $0.50 USD. Pre-authorized debits, ATM, and point of sale are not available on that US dollar account.
The line on your own statement is the one that counts. Upload it on the upload page. The PDF stays on your device. Expenvo lists the lines. It does not call the institution.
| Plan | Monthly price the page prints | A fee the same card also prints |
|---|---|---|
| Pay As You Go | $0 | $1.50 per Interac e-Transfer, and $2.50 a month for overdraft protection |
| Premium | $0 or $13.95 | 10 free e-Transfers, then $1.50. The $0 needs $4,000 on deposit or $1,500 of payroll or pension |
| Premium Unlimited | $0 or $19.95 | Unlimited e-Transfers. The $0 needs $6,000 on deposit or $2,500 of payroll or pension |
| US dollar chequing | $0 or $1 USD | Two free withdrawals, then $0.50 USD. The $0 needs $200 USD |
The fee schedule is an older file
On 21 October 2026, the fee schedule link served a one-page PDF dated 20 January 2025, version 2. That file prints a $50 NSF fee, a $50 overdraft exception item, $10 for an overdraft transfer, and a $2.50 overdraft protection fee. A stop payment is $18. A draft is $10. An incoming wire is $20. An outgoing wire is $25 up to $20,000, $50 from $20,000.01 to $50,000, and $100 above $50,000.
An Interac or non-Exchange ATM is $3.50 from FirstOntario, and the ATM owner can add a surcharge. A US Allpoint ATM is $0 from FirstOntario. A dormant account is $30 a year. Closing within 90 days is $25. A debit card replacement is $5 after one free card a year. The chequing page and this PDF are both on the site. If they disagree on the day you look, ask which file applies to your account. DUCA's March 2026 NSF line is a different credit union, on DUCA personal chequing fees.
Questions
- What does FirstOntario charge for an e-Transfer?
- On 21 October 2026 Pay As You Go printed $1.50 per Interac e-Transfer. Premium includes 10 free a month, then $1.50. Premium Unlimited includes unlimited e-Transfers.
- What NSF fee does the FirstOntario fee schedule print?
- The PDF dated 20 January 2025, which the fee schedule link still served on 21 October 2026, prints $50 for non-sufficient funds.
- What is the FirstOntario wire fee?
- That same PDF prints $20 for an incoming wire. An outgoing wire is $25 up to $20,000, $50 from $20,000.01 to $50,000, and $100 above $50,000.
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