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  • Account Selector

    Age:
    13
    26+
    Minimum monthly balance:
    $1000
    $2500+
    Average transactions per month:
    27
    34+
    Business with Libro:
    $75,000+

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    Account Comparison

    Chequing

    Description Pay-as-you-go account. Best if you have limited transactions Flat-fee unlimited account. Best if you keep a minimum monthly balance of $2,500+ or have 27+ transactions per month. Premium flat-fee unlimited account. Best if you have over $75,000 in deposits and loans at Libro or require extra perks.
    Monthly fee $4.00 (minimum)

    Waived with $1,000 minimum monthly balance
    $14.00

    Waived with $2,500 minimum monthly balance. $2 discount with automatic payroll deposit
    $25.00

    Waived with $75,000+ portfolio balance
    Transactions included 12 unlimited unlimited
    Additional debit transactions (per item) 60ยข
    Transfers to loan payments, savings, investments free free free
    Surcharge*: in-branch bill payment $1.00 $1.00 free unlimited
    Surcharge: Interac® ATM withdrawal** 5 free
    then $1 each
    5 free
    then $1 each
    free unlimited
    Surcharge: International ATM withdrawal (Cirrus®, Plus®) $3.00 $3.00 $3.00
    Monthly online cheque viewing (FREE with paperless statements) $5.00 $5.00 $5.00
    Certified cheques, drafts (maximum 1 item per month)
    Stop payment (maximum 4 per month)
    Safe deposit box rental discount $20.00 per year
    Cheque printing first order free
    (value $42.00)
    Registered account transfer-in fees rebate up to $200
    Overdraft protection (on approved credit)
    Mortgage application fee waived
    (value $100)

    Savings

    Description High-interest savings account pays a higher rate of interest on balances $1,000+. Standard savings account; fees waived with $5,000 minimum monthly balance.
    Monthly fee $0 $0
    Transactions included 2 free debit transactions per month 0
    Additional debit transactions (per item) $2.00 $1.00
    Transfers to loan payments, savings, investments $2.00 free
    Surcharge*: in-branch bill payment $1.00 $1.00
    Surcharge: Interac® ATM withdrawal** $1.00 $1.00
    Surcharge: International ATM withdrawal (Cirrus®, Plus®) $3.00 $3.00

    Youth

    Description A service-charge free savings account for those aged 0 - 25. A service-charge free chequing account for those aged 13 - 25.
    Monthly fee $0 $0
    Transactions included unlimited unlimited
    Transfers to loan payments, savings, investments free free
    Surcharge*: in-branch bill payment $1.00 $1.00
    Surcharge: Interac® ATM withdrawal** $1.00 5 free
    then $1 each
    Surcharge: International ATM withdrawal (Cirrus®, Plus®) $3.00 $3.00
    Monthly online cheque viewing (FREE with paperless statements) $5.00
    Certified cheques, drafts (maximum 1 item per month)
    Stop payment (maximum 4 per month)
    Cheque printing first order free
    (value $42.00)
    Overdraft protection (on approved credit)

    Rates effective January 1, 2016

    *Surcharge is an additional fee on top of any transaction fees in this package.

    **Does not include fees charged by other financial institutions or independent ATM owners for the use of their ATM. To avoid extra fees use Libro ATMs or those listed on THE EXCHANGE Network.