Hi charlyncharbonne,
QuickBooks gives you the flexibility choose between "Zero-rated" which has a 0% rate and "Exempt" which is non-taxable since the bank charges are not subject to GST/HST.
I encourage you to reach out to an accounting professional to see which option best suits your business. In case you're looking for an accounting professional, I recommend searching for one on our site using this link. You'll just need to enter your postal code or city to search for professional closer to where you live. For more info of tax code, check out this helpful article: Common sales tax codes.
Feel free to ask questions. I'm here to assist. :)
