From:	XXXX
Sent:	February-27-14 6:39 PM
To:	Consumer Code / Code consommateur
Subject:	Excess Bank charges


*First of all ,I noticed that banks collects high charges in general for most 
transactions on most of the accounts ; for example if you hold a checking account 
and by any chance it goes down below Zero for just a short period , ( due to paying 
an invoice ,or a standing order )you are charged with a $40 or $45 penalty. In my 
opinion this is unfair by all means.   As they can charge you an interest for the 
overdrawn amount for the period of time that you kept your account overdrawn ; but 
not any more than that., it's unfair.

*Secondly , as for the incoming transfers you receive from abroad as a pension salary 
for somebody who works outside Canada , or a family member who transfer to his 
brother or sister in need  , not to mention all the international students who receive 
such transfers on monthly basis or quarterly from their families abroad . All these 
incoming transfers have been initially charged at the country who issued the money 
transfer.  Each transfer when received is charged by the Canadian banks with almost 
$30 . The explanation by the bank as follows: We only charged $15 but the 
intermediate bank took the rest which are another $15 . My question is why you are 
charging $30 from any received transfer as long as you are just receiving it? You are 
not the bank who issue the transfer ( this bank would charge you because he is doing 
some work for you and you should pay for it). I clearly understand this! But can't 
understand the receiving and correspondent banks to recharge you again as long as 
charges were paid at the beginning ?? 

*Thank you XXXX