Bank Account Contract Template for Canada

1. Joint Account Provisions: Include when the account has multiple holders, defining rights and responsibilities of joint holders

2. Overdraft Protection: Include when overdraft protection is offered, detailing terms and associated fees

3. Digital Banking Services: Include for accounts with online/mobile banking features, describing digital service terms

4. Foreign Currency Transactions: Include for accounts offering foreign currency capabilities

5. Business Account Provisions: Include for business accounts, covering additional requirements and authorizations

6. Trust Account Provisions: Include for accounts held in trust, defining trustee obligations

7. Credit Card/Debit Card Terms: Include when cards are issued with the account

8. Recurring Payment Services: Include for accounts offering pre-authorized debit/payment services

1. Schedule A - Fee Schedule: Detailed listing of all possible fees and charges associated with the account

2. Schedule B - Interest Rate Schedule: Current interest rates and calculation methods for different balance tiers

3. Schedule C - Account Types and Features: Detailed description of account features, limits, and included services

4. Schedule D - Digital Banking Terms: Specific terms and conditions for online and mobile banking services

5. Appendix 1 - Identification Requirements: List of acceptable identification documents and verification requirements

6. Appendix 2 - Privacy Policy: Detailed privacy policy and information handling procedures

7. Appendix 3 - Electronic Communications Consent: Terms for receiving electronic statements and communications