Welcome to PTFB Personal Banking
Explore PTFB trust and related products and services
Loans, Lines of Credit and Overdraft Protection

Whether you want to make a major purchase, consolidate debt, or renovate your home, PTFB Loans and Lines of Credit can help you achieve your financial goals. Estimate what your monthly payments can be with our calculators and tools. If you’re still deciding which lending option is best for you or the different ways you can use your loan or line of credit, our borrowing articles can help guide you.

Showing our products.
Personal Line of Credit

A flexible way to borrow

  • Use it for home renovations or making large purchases
  • Borrow between $50,000 – $500,000
  • Apply once for a credit limit that you can continue to use and re-use with a flexible repayment plan.
Personal Loans

Borrow only what you need now, for what you want.

  • Use it for large purchases or consolidating debt
  • Borrow between $5,000-$50,000
  • We’ll help create a payment schedule that fits your budget.
Student Line of Credit

A flexible way to borrow for studies

  • Use it for home renovations or making large purchases
  • Borrow between $50,000 – $500,000
  • Apply once for a credit limit that you can continue to use and re-use with a flexible repayment plan.
Monthly Plan Overdraft Protection

A safety net for your everyday transactions

  • Ideal for those who have numerous monthly shortfalls in their chequing account
  • Avoid declined transactions, late bill payment charges or NSF fees for $5 per month plus 21% interest per year on overdrawn amount
  • Provides coverage between $300 – $5000.
Pay As You Go Overdraft Protection

Be ready to manage the unexpected.

  • Ideal for those who only have occasional need for overdraft protection coverage
  • Avoid declined transactions, late bill payment charges or NSF fees for $5 per use with a maximum of $5 per day plus 21% interest per year on overdrawn amount
  • Provides coverage between $300-$5000.
PTFB Home Equity Flex Line

Your home can be your most powerful financial borrowing tool.

  • Access your credit through your PTFB Access Card cheques and EasyWeb Online banking
  • Apply once for a credit limit that you can continue to use and re-use
  • Finance purchases related to home ownership, including home renovations and unexpected home repairs.

Legal

$5 monthly fee for PTFB Chequing Accounts: PTFB Minimum Chequing Account, PTFB Every Day Chequing Account, PTFB Unlimited Chequing Account and PTFB All-Inclusive Banking Plan.

$4 monthly fee for Monthly Plan Overdraft Protection (MODP) service on P60 & Preferred Chequing Account.

There are no MODP fees on the PTFB Student Chequing Account, PTFB U.S. Daily Interest Chequing Account, PTFB Borderless Plan and PTFB Minimum Chequing Account with a Student, Seniors or Registered Disability Savings Plan chequing account fee rebate.

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