My Rate Compass

Compare Chequing Accounts

CIBC Smart™ for Students
$0
Monthly Fees
Unlimited transactions
Number of Monthly Transactions
Unlimited transactions
Interac e-Transfer
Unlimited banking for university, college and CEGEP students
Open Account
Open Account
CIBC Smart™ for Students
Account Details
Account Type: Chequing
Bank: CIBC
Key Infos
Pay no monthly fee for as long as you're a student, so you can save for things like textbooks and tuition. Get all the benefits of a student account as long as you're in school, plus for 6 months after you graduate. After that, your account converts to a regular CIBC Smart™ Account.
CIBC Smart™ Account
$4.95
Monthly Fees
12 to unlimited transaction
Number of Monthly Transactions
unlimited
Interac e-Transfer
Enjoy worry-free banking - only pay for what you use.
Open Account
Open Account
CIBC Smart™ Account
Account Details
Account Type: Chequing
Bank: CIBC
Key Infos
CIBC Smart™ Account offers a monthly fee that adjust to you starting at $4.95 capped at $14.95. You will pay no monthly fee  when your daily balance is $3,000 or more, and you make a recurring direct deposit or 2 pre-authorized payments each month. it also offers a free Interac e-Transfer service up to 12 to unlimited transaction depending on your needs.

 

CIBC Everyday® Chequing Account
$3.9
Monthly Fees
12
Number of Monthly Transactions
A basic account with a low monthly fee.
Open Account
Open Account
CIBC Everyday® Chequing Account
Account Details
Account Type: Chequing
Bank: CIBC
Key Infos
CIBC Everyday® Chequing Account offers a low monthly fee where you can make up to 12 transactions for $3.90 per month. Use CIBC online or mobile banking to transfer money, pay bills, make purchases and manage your money anywhere, anytime.
CIBC SmartTM for Seniors with a CIBC Smart Account
$10
Monthly Fees
Up to 12 / unlimited
Number of Monthly Transactions
unlimited
Interac e-Transfer
Experience has its benefits when you turn 65, automatically eligible for the perks of CIBC Smart for Seniors. Includes $4.95 monthly fee discount
Open Account
Open Account
CIBC SmartTM for Seniors with a CIBC Smart Account
Account Details
Account Type: Chequing
Bank: CIBC
Key Infos

CIBC Smart for Seniors offers A lower monthly fee on your chequing account and get benefits and more with CIBC Smart for Seniors. Clients aged 65 and older will automatically be enrolled in CIBC Smart for Seniors so you get benefits that apply to
your existing or new eligible account:


• $4.95 monthly fee discount
• Free bank drafts and money orders*
• $5.00 off the annual rental of a safety deposit box
(any size) 

CIBC Smart for Seniors with a CIBC Smart Plus Account
$25
Monthly Fees
Unlimited
Number of Monthly Transactions
unlimited
Interac e-Transfer
When you turn 65, you are automatically eligible for the perks of CIBC Smart for Seniors.
$4.95 monthly fee discount
Open Account
Open Account
CIBC Smart for Seniors with a CIBC Smart Plus Account
Account Details
Account Type: Chequing
Bank: CIBC
Key Infos

CIBC Smart for Seniors offers A lower monthly fee on your chequing account and get benefits and more with CIBC Smart for Seniors.  Clients aged 65 and older will automatically be enrolled in CIBC Smart for Seniors so you get benefits that apply to CIBC Smart Plus Account:

• Includes $4.95 monthly fee discount
• A premium CIBC credit card with annual fee rebates
• Free personalized cheques and paper statements

CIBC Smart™ Plus Account
$29.95
Monthly Fees
Unlimited
Number of Monthly Transactions
Unlimited
Interac e-Transfer
Keep it simple with all-in-one banking for a flat monthly fee.
Open Account
Open Account
CIBC Smart™ Plus Account
Account Details
Account Type: Chequing
Bank: CIBC
Key Infos

Combine your day-to-day banking and credit card needs into one full-service account. Get a full rebate of your monthly fee when you maintain a minimum daily balance of $6,000 in your account during the month

  • Unlimited transactions, including Interac e-Transfer® service
  • Premium CIBC credit card with fee rebate.
  • Unlimited ATM withdrawals in Canada, the U.S. and internationally
CIBC Smart for Seniors with a CIBC Everyday Chequing Account
$0
Monthly Fees
12
Number of Monthly Transactions
Experience has its benefits
When you turn 65, you are automatically eligible for the perks of CIBC Smart for Seniors.
Open Account
Open Account
CIBC Smart for Seniors with a CIBC Everyday Chequing Account
Account Details
Account Type: Chequing
Bank: CIBC
Key Infos

CIBC Smart for Seniors offers A lower monthly fee on your chequing account and get benefits and more with CIBC Smart for Seniors.  Clients aged 65 and older will automatically be enrolled in CIBC Smart for Seniors so you get benefits that apply to CIBC Everyday Chequing Account:

$3.90 monthly fee discount
• Free bank drafts and money orders
• Free online cheque viewing

RBC VIP Banking
$30
Monthly Fees
Unlimited
Number of Monthly Transactions
Unlimited
Interac e-Transfer
An all inclusive package that covers multiple bank accounts including unlimited transactions, a free premium Visa card and much more.
Open Account
Open Account
RBC VIP Banking
Account Details
Account Type: Chequing
Bank: RBC
Key Infos

RBC VIP Banking offers unlimited transactions, credit card rebates and other premium features like :

  • Use Your Account as Often as You Need
  • No Need to Wait. Use Other Bank’s ATMs
  • Pay Your Friend Back with Interac e-Transfer
  • Link your card and instantly save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada locations.
  • Multiple Accounts Without Borders (Up to 2 additional Canadian dollar and 1 additional U.S. dollar accounts).
  • Get Credit Where Credit is Due (Up to $120 rebate on the annual fee of an eligible credit card)

Get $300 When You Open an RBC VIP Banking Account

 Offer Ends January 31, 2020

RBC Signature No Limit Banking
$15.95
Monthly Fees
Unlimited
Number of Monthly Transactions
Unlimited
Interac e-Transfer
An all inclusive banking account designed for customers with more complex financial management needs, including unlimited transactions, 3 Interac withdrawals, 2 cross border debits and much more.
Open Account
Open Account
RBC Signature No Limit Banking
Account Details
Account Type: Chequing
Bank: RBC
Key Infos

An all inclusive banking account designed for customers with more complex financial management needs, including unlimited transactions, 3 Interac withdrawals, 2 cross border debits and much more

  • Up to $39 rebate on the annual fee of an eligible credit card.
  • Use Your Account as Often as You Need (Unlimited debits in Canada)
  • No Need to Wait. Use Other Bank’s ATMs (Interac access fees at non-RBC Royal Bank ATMs. 3 refunded / month, $2.00 each thereafter )
  • Unlimited Interac e-Transfer to Pay your friend.
  • Peace of Mind (No monthly overdraft protection fee)
  • Link your card and instantly save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada locations.

Get $300 When You Open an RBC Signature No Limit Banking Account

Offer Ends January 31, 2020.

RBC VIP Banking - Senior
$22.5
Monthly Fees
Unlimited
Number of Monthly Transactions
Unlimited
Interac e-Transfer
An all inclusive package that covers multiple bank accounts including unlimited transactions, a free premium Visa card and much more.
Open Account
Open Account
RBC VIP Banking - Senior
Account Details
Account Type: Chequing
Bank: RBC
Key Infos

RBC VIP Banking offers unlimited transactions, credit card rebates and other premium features like :

  • Snap a Photo. Pay Your Bills. Use the RBC Mobile app to add a payee simply by taking a photo, and pay your bills.
  • Use Your Account as Often as You Need
  • No Need to Wait. Use Other Bank’s ATMs
  • Pay Your Friend Back with Interac e-Transfer
  • Link your card and instantly save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada locations.
  • Multiple Accounts Without Borders (Up to 2 additional Canadian dollar and 1 additional U.S. dollar accounts).
  • Get Credit Where Credit is Due (Up to $120 rebate on the annual fee of an eligible credit card)

Get $300 When You Open an RBC VIP Banking Account

 Offer Ends January 31, 2020

RBC Signature No Limit Banking - Senior
$11.95
Monthly Fees
Unlimited
Number of Monthly Transactions
Unlimited
Interac e-Transfer
An all inclusive banking account designed for customers with more complex financial management needs, including unlimited transactions, 3 Interac withdrawals, 2 cross border debits and much more.
Open Account
Open Account
RBC Signature No Limit Banking - Senior
Account Details
Account Type: Chequing
Bank: RBC
Key Infos

An all inclusive banking account designed for customers with more complex financial management needs, including unlimited transactions, 3 Interac withdrawals, 2 cross border debits and much more

  • Up to $39 rebate on the annual fee of an eligible credit card.
  • Use Your Account as Often as You Need (Unlimited debits in Canada)
  • No Need to Wait. Use Other Bank’s ATMs (Interac access fees at non-RBC Royal Bank ATMs. 3 refunded / month, $2.00 each thereafter )
  • Unlimited Interac e-Transfer to Pay your friend.
  • Peace of Mind (No monthly overdraft protection fee)
  • Link your card and instantly save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada locations.

Get $300 When You Open an RBC Signature No Limit Banking Account

Offer Ends January 31, 2020.

RBC No Limit Banking
$10.95
Monthly Fees
Unlimited
Number of Monthly Transactions
Unlimited
Interac e-Transfer
A banking account that offers the freedom of unlimited transactions.
Open Account
Open Account
RBC No Limit Banking
Account Details
Account Type: Chequing
Bank: RBC
Key Infos

RBC No Limit Banking offers the freedom of unlimited transaction.

  • Use Your Account as Often as You Need (Unlimited debits in Canada)
  • Unlimited Interac e-Transfer to Pay your friend.
  • Link your card and instantly save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada locations.
  • Save on Fees (Save on your monthly fees with our MultiProduct Rebate)

Get $100 When You Open an RBC No Limit Banking Account

Offer Ends January 31, 2020.

RBC No Limit Banking - Senior
$0
Monthly Fees
Unlimited
Number of Monthly Transactions
Unlimited
Interac e-Transfer
A banking account that offers the freedom of unlimited transactions.
Open Account
Open Account
RBC No Limit Banking - Senior
Account Details
Account Type: Chequing
Bank: RBC
Key Infos

RBC No Limit Banking offers the freedom of unlimited transaction.

  • Use Your Account as Often as You Need (Unlimited debits in Canada)
  • Unlimited Interac e-Transfer to Pay your friend.
  • Link your card and instantly save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada locations.
  • Save on Fees (Save on your monthly fees with our MultiProduct Rebate)

Get $100 When You Open an RBC No Limit Banking Account

Offer Ends January 31, 2020.

RBC Day to Day Banking
$4
Monthly Fees
12
Number of Monthly Transactions
A basic banking account that offers value and convenience to those with less than 15 transactions per month.
Open Account
Open Account
RBC Day to Day Banking
Account Details
Account Type: Chequing
Bank: RBC
Key Infos
A basic banking account that offers value and convenience to those with less than 15 transactions per month.
  • Use Your Account as Often as You Need (12 debits / month; $1.25 each thereafter)
  • Unlimited Interac e-Transfer to Pay your friend.
RBC Day to Day Banking - Senior
$0
Monthly Fees
12
Number of Monthly Transactions
A basic banking account that offers value and convenience to those with less than 15 transactions per month.
Open Account
Open Account
RBC Day to Day Banking - Senior
Account Details
Account Type: Chequing
Bank: RBC
Key Infos
A basic banking account that offers value and convenience to those with less than 15 transactions per month.
  • Use Your Account as Often as You Need (12 debits / month; $1.25 each thereafter)
  • Unlimited Interac e-Transfer to Pay your friend.
TD Youth Account
$0
Monthly Fees
Unlimited
Number of Monthly Transactions
(Up to $100) / (Over $100)
Interac e-Transfer
An ideal way to help your children learn the benefits of saving.
Open Account
Open Account
TD Youth Account
Account Details
Account Type: Chequing
Bank: TD Canada Trust
Key Infos
Enjoy the convenience of unlimited transactions with the perk of earning interest on your balance. Also offers no transaction fees no matter how many times you take money out of your account. Parents/guardians can set up a Pre-Authorized Transfer or Simply Save Program from their account into the TD Youth Account and Daily interest paid on every dollar.
TD Student Chequing Account
$0
Monthly Fees
25
Number of Monthly Transactions
An account designed for your student life, with no monthly fee.
Open Account
Open Account
TD Student Chequing Account
Account Details
Account Type: Chequing
Bank: TD Canada Trust
Key Infos
TD Student Chequing Account offers No monthly fees  for full-time post-secondary students. No transaction fees on your first 25 transactions in a month, additional transactions are $1.25 each. It also offer free transfer fee or send money using Interac e-Transfer. Enjoy EasyWeb® View Cheque service, and paperless record keeping or online statements.
TD All-Inclusive Banking Plan
$29.95
Monthly Fees
Unlimited
Number of Monthly Transactions
Unlimited
Interac e-Transfer
Unlimited transactions and premium banking benefits.
Open Account
Open Account
TD All-Inclusive Banking Plan
Account Details
Account Type: Chequing
Bank: TD Canada Trust
Key Infos
Experience premium banking benefits with TD's All-Inclusive Banking Plan. Save on monthly fees on your chequing account, annual fees on select credit cards, and experience premium banking perks, like a small safety deposit box and personalized cheques, at no extra cost.

What's in it for you?
  • Get monthly fee rebates if you keep $5000 at the end of each day of the month2
  • Annual credit card fee rebate on select TD credit cards3
  • No TD fees at TD ATMs or Foreign ATMs
TD All-Inclusive Banking Plan - Senior
$22.45
Monthly Fees
Unlimited
Number of Monthly Transactions
Unlimited
Interac e-Transfer
Unlimited transactions and premium banking benefits.
Open Account
Open Account
TD All-Inclusive Banking Plan - Senior
Account Details
Account Type: Chequing
Bank: TD Canada Trust
Key Infos
Experience premium banking benefits with TD's All-Inclusive Banking Plan. Save on monthly fees on your chequing account, annual fees on select credit cards, and experience premium banking perks, like a small safety deposit box and personalized cheques, at no extra cost.

What's in it for you?
  • Get monthly fee rebates if you keep $5000 at the end of each day of the month2
  • Annual credit card fee rebate on select TD credit cards3
  • No TD fees at TD ATMs or Foreign ATMs
TD Unlimited Chequing Account
$15.95
Monthly Fees
Unlimited
Number of Monthly Transactions
Unlimited
Interac e-Transfer
Peace of mind that comes with unlimited transactions
Open Account
Open Account
TD Unlimited Chequing Account
Account Details
Account Type: Chequing
Bank: TD Canada Trust
Key Infos

Peace of mind comes with unlimited transactions. Enjoy unlimited everyday banking with a TD Unlimited Chequing Account.

What's in it for you:
  • No monthly fee if you maintain $4000 or more in your account at the end of each day of the month
  • Access to your money at any ATM in Canada with no TD fee
  • Keep track of your money online or on mobile by using EasyWeb, TD app or the TD MySpend app.
TD Unlimited Chequing Account - Senior
$11.95
Monthly Fees
Unlimited
Number of Monthly Transactions
Unlimited
Interac e-Transfer
Peace of mind that comes with unlimited transactions
Open Account
Open Account
TD Unlimited Chequing Account - Senior
Account Details
Account Type: Chequing
Bank: TD Canada Trust
Key Infos

Peace of mind comes with unlimited transactions. Enjoy unlimited everyday banking with a TD Unlimited Chequing Account.

What's in it for you:
  • No monthly fee if you maintain $4000 or more in your account at the end of each day of the month
  • Access to your money at any ATM in Canada with no TD fee
  • Keep track of your money online or on mobile by using EasyWeb, TD app or the TD MySpend app.
TD Every Day Chequing Account
$10.95
Monthly Fees
25
Number of Monthly Transactions
A budget-friendly account for everyday banking
Open Account
Open Account
TD Every Day Chequing Account
Account Details
Account Type: Chequing
Bank: TD Canada Trust
Key Infos
TD Every Day Chequing Account offers no transaction fees on your first 25 transactions in a month, additional transactions are $1.25 each. Free Interac e-Transfer® transactions. Enjoy EasyWeb® View Cheque service, and paperless record keeping or online statements and no monthly fee if you have $3,000 or more in your account at the end of each day in the month.
TD Every Day Chequing Account - Senior
$8.2
Monthly Fees
25
Number of Monthly Transactions
A budget-friendly account for everyday banking
Open Account
Open Account
TD Every Day Chequing Account - Senior
Account Details
Account Type: Chequing
Bank: TD Canada Trust
Key Infos
TD Every Day Chequing Account offers no transaction fees on your first 25 transactions in a month, additional transactions are $1.25 each. Free Interac e-Transfer® transactions. Enjoy EasyWeb® View Cheque service, and paperless record keeping or online statements and no monthly fee if you have $3,000 or more in your account at the end of each day in the month.
TD Minimum Chequing Account
$3.95
Monthly Fees
12
Number of Monthly Transactions
An account for those with minimal banking needs
Open Account
Open Account
TD Minimum Chequing Account
Account Details
Account Type: Chequing
Bank: TD Canada Trust
Key Infos

An account for those with minimal banking needs. $2,000 Minimum monthly balance for fee rebate. No transaction fees on your first 12 transactions in a month (including up to 2 transactions completed in a TD branch or through EasyLine Telephone banking). Enjoy EasyWeb® View Cheque service, and paperless record keeping or online statements. You can Bank online from the comfort and convenience of your home.

NO MONTHLY FEE FOR:

  • Seniors (60 years or older) collecting Guaranteed Income Supplement.
  • Registered Disability Savings Plan  beneficiaries.
  • Students enrolled full-time at a college or university.
  • Under the age of majority in their province of residence.
 
Premium Chequing Account
$30
Monthly Fees
Unlimited
Number of Monthly Transactions
Unlimited
Interac e-Transfer
Our Premium Chequing Account lets you be in control and manage your finances easily and effectively.
Open Account
Open Account
Premium Chequing Account
Account Details
Account Type: Chequing
Bank: BMO
Key Infos

Our Premium Chequing Account lets you be in control and manage your finances easily and effectively. It’s ideal for busy people with a number of goals for themselves and their families. Upgrade today for a premium banking experience! With Exclusive bonus savings rate of 2.00% interest for 3 months.


Get a Premium Banking experience with the most benefits

  • Unlimited worldwide non-BMO ATM withdrawals
  • $150 annual fee rebated yearly with a BMO World Elite Mastercard
  • Identity Theft Protection at no charge - saving you over $175a year
  • Get a Preferred U.S Exchange Rate when you transfer funds between your Canadian and USD accounts (both ways)!

 

Performance Plan
$15.95
Monthly Fees
Unlimited
Number of Monthly Transactions
Unlimited
Interac e-Transfer
Our most popular account offers unlimited everyday banking transactions for a competitive price.
Open Account
Open Account
Performance Plan
Account Details
Account Type: Chequing
Bank: BMO
Key Infos
Our most popular account offers unlimited everyday banking transactions for a competitive price. Earn $100 plus access to an exclusive 2.00% savings rate. Enjoy unlimited Interac e-Transfer® transactions and mobile cheque deposit with any BMO plan. $4,000 Minimum balance to waive fee. And  also offer OnGuard Identity Theft Protection at no charge.
Plus Plan
$10.95
Monthly Fees
25
Number of Monthly Transactions
Unlimited
Interac e-Transfer
A lower fee plan that is ideal for those with only moderate transaction needs.
Open Account
Open Account
Plus Plan
Account Details
Account Type: Chequing
Bank: BMO
Key Infos
The Plus Plan is a perfect lower cost option for those with only moderate transaction needs. It also makes a great first bank account for kids, teens or students, offering 25 transactions per month and no monthly fee for these groups.
AIR MILES®† Plan
$15.95
Monthly Fees
Unlimited
Number of Monthly Transactions
Unlimited
Interac e-Transfer
Get AIR MILES®† Reward Miles with unlimited everyday banking transactions, and add additional accounts at no extra fee.
Open Account
Open Account
AIR MILES®† Plan
Account Details
Account Type: Chequing
Bank: BMO
Key Infos
Get AIR MILES®† Reward Miles on your everyday BMO Debit Card purchases with a BMO AIR MILES Chequing Plan. With multiple ways to get Miles, everyday banking has never been this rewarding! Offers Unlimited Transactions per month.
  • 1 Mile per $30 spent on debit purchases
  • N/A Minimum balance to waive fee 
Practical Plan
$4
Monthly Fees
12
Number of Monthly Transactions
Unlimited
Interac e-Transfer
A low fee chequing account for basic banking needs, including 12 transactions per month
Open Account
Open Account
Practical Plan
Account Details
Account Type: Chequing
Bank: BMO
Key Infos
The Practical Plan is a low-cost option that offers 12 transactions per month, and only costs $4.00 if that’s all you use. Enjoy unlimited Interac e-Transfer® transactions and mobile cheque deposit with any BMO plan.
  • Free Premium Rate savings account
  • N/A Minimum balance to waive fee
Performance Plan - Student/Recent Grad
$5
Monthly Fees
Unlimited
Number of Monthly Transactions
Unlimited
Interac e-Transfer
Our most popular account offers unlimited everyday banking transactions for a competitive price.
Open Account
Open Account
Performance Plan - Student/Recent Grad
Account Details
Account Type: Chequing
Bank: BMO
Key Infos
Our most popular account offers unlimited everyday banking transactions for a competitive price. It offers Unlimited Transactions per month. $4,000 Minimum balance to waive fee.
Performance Plan - Senior
$11.95
Monthly Fees
Unlimited
Number of Monthly Transactions
Unlimited
Interac e-Transfer
Our most popular account offers unlimited everyday banking transactions for a competitive price.
Open Account
Open Account
Performance Plan - Senior
Account Details
Account Type: Chequing
Bank: BMO
Key Infos
Our most popular account offers unlimited everyday banking transactions for a competitive price. Earn $100 plus access to an exclusive 2.00% savings rate. Enjoy unlimited Interac e-Transfer® transactions and mobile cheque deposit with any BMO plan. $4,000 Minimum balance to waive fee.
Performance Plan - Youth
$5
Monthly Fees
Unlimited
Number of Monthly Transactions
Unlimited
Interac e-Transfer
Our most popular account offers unlimited everyday banking transactions for a competitive price.
Open Account
Open Account
Performance Plan - Youth
Account Details
Account Type: Chequing
Bank: BMO
Key Infos
Our most popular account offers unlimited everyday banking transactions for a competitive price. It offers Unlimited Transactions per month. $4,000 Minimum balance to waive fee.
Plus Plan - Student/Recent Grad
$0
Monthly Fees
25
Number of Monthly Transactions
Unlimited
Interac e-Transfer
A lower fee plan that is ideal for those with only moderate transaction needs. Additionally, this account provides free banking for kids, teens and students.
Open Account
Open Account
Plus Plan - Student/Recent Grad
Account Details
Account Type: Chequing
Bank: BMO
Key Infos
The Plus Plan is a perfect lower cost option for those with only moderate transaction needs. It also makes a great first bank account for kids, teens or students, offering 25 transactions per month and no monthly fee for these groups.
Plus Plan - Senior
$6.95
Monthly Fees
25
Number of Monthly Transactions
Unlimited
Interac e-Transfer
A lower fee plan that is ideal for those with only moderate transaction needs.
Open Account
Open Account
Plus Plan - Senior
Account Details
Account Type: Chequing
Bank: BMO
Key Infos
The Plus Plan is a perfect lower cost option for those with only moderate transaction needs. It also makes a great first bank account for kids, teens or students, offering 25 transactions per month and no monthly fee for these groups. Requires $3,000 Minimum balance to waive fee.
Plus Plan - Youth
$0
Monthly Fees
25
Number of Monthly Transactions
Unlimited
Interac e-Transfer
A lower fee plan that is ideal for those with only moderate transaction needs. Additionally, this account provides free banking for kids, teens and students.
Open Account
Open Account
Plus Plan - Youth
Account Details
Account Type: Chequing
Bank: BMO
Key Infos
The Plus Plan is a perfect lower cost option for those with only moderate transaction needs. It also makes a great first bank account for kids, teens or students, offering 25 transactions per month and no monthly fee for these groups.
AIR MILES®† Plan - Student
$15.95
Monthly Fees
Unlimited
Number of Monthly Transactions
Unlimited
Interac e-Transfer
Get AIR MILES Reward Miles with unlimited everyday banking transactions, and add additional accounts at no extra fee.
Open Account
Open Account
AIR MILES®† Plan - Student
Account Details
Account Type: Chequing
Bank: BMO
Key Infos
Get AIR MILES®† Reward Miles on your everyday BMO Debit Card purchases with a BMO AIR MILES Chequing Plan. With multiple ways to get Miles, everyday banking has never been this rewarding! Offers Unlimited Transactions per month.
  • 1 Mile per $30 spent on debit purchases
  • N/A Minimum balance to waive fee 
AIR MILES®† Plan - Senior
$11.95
Monthly Fees
Unlimited
Number of Monthly Transactions
Unlimited
Interac e-Transfer
Get AIR MILES Reward Miles with unlimited everyday banking transactions, and add additional accounts at no extra fee.
Open Account
Open Account
AIR MILES®† Plan - Senior
Account Details
Account Type: Chequing
Bank: BMO
Key Infos
Get AIR MILES®† Reward Miles on your everyday BMO Debit Card purchases with a BMO AIR MILES Chequing Plan. With multiple ways to get Miles, everyday banking has never been this rewarding! Offers Unlimited Transactions per month.
  • 1 Mile per $30 spent on debit purchases
  • N/A Minimum balance to waive fee 
AIR MILES®† Plan - Youth
$15.95
Monthly Fees
Unlimited
Number of Monthly Transactions
Unlimited
Interac e-Transfer
Get AIR MILES Reward Miles with unlimited everyday banking transactions, and add additional accounts at no extra fee.
Open Account
Open Account
AIR MILES®† Plan - Youth
Account Details
Account Type: Chequing
Bank: BMO
Key Infos
Get AIR MILES®† Reward Miles on your everyday BMO Debit Card purchases with a BMO AIR MILES Chequing Plan. With multiple ways to get Miles, everyday banking has never been this rewarding! Offers Unlimited Transactions per month.
  • 1 Mile per $30 spent on debit purchases
  • N/A Minimum balance to waive fee 
Practical Plan - Student
$4
Monthly Fees
12
Number of Monthly Transactions
Unlimited
Interac e-Transfer
A low fee chequing account for basic banking needs, including 12 transactions per month
Open Account
Open Account
Practical Plan - Student
Account Details
Account Type: Chequing
Bank: BMO
Key Infos
The Practical Plan is a low-cost option that offers 12 transactions per month, and only costs $4.00 if that’s all you use. Enjoy unlimited Interac e-Transfer® transactions and mobile cheque deposit with any BMO plan.
  • Free Premium Rate savings account
  • N/A Minimum balance to waive fee
Practical Plan - Senior
$0
Monthly Fees
12
Number of Monthly Transactions
Unlimited
Interac e-Transfer
A low fee chequing account for basic banking needs, including 12 transactions per month
Open Account
Open Account
Practical Plan - Senior
Account Details
Account Type: Chequing
Bank: BMO
Key Infos
The Practical Plan is a low-cost option that offers 12 transactions per month for free for a Senior only. Enjoy unlimited Interac e-Transfer® transactions and mobile cheque deposit with any BMO plan.
  • Free Premium Rate savings account
  • N/A Minimum balance to waive fee
Practical Plan - Youth
$4
Monthly Fees
12
Number of Monthly Transactions
A low fee chequing account for basic banking needs, including 12 transactions per month
Open Account
Open Account
Practical Plan - Youth
Account Details
Account Type: Chequing
Bank: BMO
Key Infos
The Practical Plan is a low-cost option that offers 12 transactions per month, and only costs $4.00 if that’s all you use. Enjoy unlimited Interac e-Transfer® transactions and mobile cheque deposit with any BMO plan.
  • Free Premium Rate savings account
  • N/A Minimum balance to waive fee
Ultimate Package
$30.95
Monthly Fees
Unlimited
Number of Monthly Transactions
Unlimited
Interac e-Transfer
Spend, save, and invest, all from one package
Open Account
Open Account
Ultimate Package
Account Details
Account Type: Chequing
Bank: Scotiabank
Key Infos

Spend, save, and invest, all from one package. No monthly account fee by maintaining a minimum daily closing balance of $5,000 in your Ultimate Package, or a combined balance of $30,000 across your Ultimate Package and your MomentumPLUS Savings Account

Top features:

  • Unlimited debit transactions & Interac e-Transfer transactions
  • Up to $139 annual fee waiver each year on select credit cards
  • Earn up to 2.10% on your MomentumPLUS Savings Account
  • Unlimited free Global non-Scotiabank ABM withdrawals

You could earn $350 cash when you open an Ultimate Package and switch to Scotiabank.
Ultimate Package - Senior
$26.95
Monthly Fees
Unlimited
Number of Monthly Transactions
Unlimited
Interac e-Transfer
Spend, save, and invest, all from one package
Open Account
Open Account
Ultimate Package - Senior
Account Details
Account Type: Chequing
Bank: Scotiabank
Key Infos

Spend, save, and invest, all from one package. With Senior's discount. No monthly account fee by maintaining a minimum daily closing balance of $5,000 in your Ultimate Package, or a combined balance of $30,000 across your Ultimate Package and your MomentumPLUS Savings Account

Top features:

  • Unlimited debit transactions & Interac e-Transfer transactions
  • Up to $139 annual fee waiver each year on select credit cards
  • Earn up to 2.10% on your MomentumPLUS Savings Account
  • Unlimited free Global non-Scotiabank ABM withdrawals

You could earn $350 cash when you open an Ultimate Package and switch to Scotiabank.
Preferred Package
$15.95
Monthly Fees
Unlimited
Number of Monthly Transactions
Unlimited
Interac e-Transfer
Our most popular features packaged for your everyday banking needs
Open Account
Open Account
Preferred Package
Account Details
Account Type: Chequing
Bank: Scotiabank
Key Infos
Our most popular features packaged for your everyday banking needs. No monthly account fee by maintaining a minimum daily closing balance of $4,000 for the entire month.

Top features:

  • Unlimited debit transactions and Interac e-Transfer transactions
  • First year annual fee waiver (up to $139) on select credit cards
  • Earn up to 2.05% on your MomentumPLUS Savings Account
  • Your choice of SCENETM or Scotia Rewards®

You could earn $300 cash when you open a Preferred Package and switch to Scotiabank.
Preferred Package - Senior
$11.95
Monthly Fees
Unlimited
Number of Monthly Transactions
Unlimited
Interac e-Transfer
Our most popular features packaged for your everyday banking needs.
Open Account
Open Account
Preferred Package - Senior
Account Details
Account Type: Chequing
Bank: Scotiabank
Key Infos
Our most popular features packaged for your everyday banking needs. No monthly account fee by maintaining a minimum daily closing balance of $4,000 for the entire month. With Senior's discount.

Top features:

  • Unlimited debit transactions and Interac e-Transfer transactions
  • First year annual fee waiver (up to $139) on select credit cards
  • Earn up to 2.05% on your MomentumPLUS Savings Account
  • Your choice of SCENETM or Scotia Rewards®

You could earn $300 cash when you open a Preferred Package and switch to Scotiabank.
Basic Plus Bank Account
$10.95
Monthly Fees
25
Number of Monthly Transactions
10
Interac e-Transfer
A basic account with value-added features.
Open Account
Open Account
Basic Plus Bank Account
Account Details
Account Type: Chequing
Bank: Scotiabank
Key Infos

A basic account with value-added features. No monthly account fee by maintaining a minimum daily closing balance of $3,000 for the entire month

Top features:

  • 25 free debit transactions3 per month
  • 10 free Interac e-Transfer transactions per month
Basic Plus Bank Account - Senior
$6.95
Monthly Fees
25
Number of Monthly Transactions
10
Interac e-Transfer
A basic account with value-added features.
Open Account
Open Account
Basic Plus Bank Account - Senior
Account Details
Account Type: Chequing
Bank: Scotiabank
Key Infos

A basic account with value-added features. No monthly account fee by maintaining a minimum daily closing balance of $3,000 for the entire month. With Senior's Discount.

Top features:

  • 25 free debit transactions3 per month
  • 10 free Interac e-Transfer transactions per month
Basic Bank Account
$3.95
Monthly Fees
12
Number of Monthly Transactions
2
Interac e-Transfer
A basic bank account that covers your minimal financial needs
Open Account
Open Account
Basic Bank Account
Account Details
Account Type: Chequing
Bank: Scotiabank
Key Infos
A basic bank account that covers your minimal financial needs.
  • 12 free transactions  per month.
  • 2 free Interac e-Transfer transactions per month.
Basic Bank Account - Senior
$0
Monthly Fees
12
Number of Monthly Transactions
2
Interac e-Transfer
A basic bank account that covers your minimal financial needs
Open Account
Open Account
Basic Bank Account - Senior
Account Details
Account Type: Chequing
Bank: Scotiabank
Key Infos
Basic Bank Account  offers Senior's Discount. A basic bank account that covers your minimal financial needs. 
  • 12 free transactions  per month.
  • 2 free Interac e-Transfer transactions per month.
Student Banking Advantage® Plan
$0
Monthly Fees
Unlimited
Number of Monthly Transactions
Unlimited
Interac e-Transfer
A worry-free account matched for student life
Open Account
Open Account
Student Banking Advantage® Plan
Account Details
Account Type: Chequing
Bank: Scotiabank
Key Infos

Student Banking Advantage® Plan offers no monthly fee. A worry-free account matched for student life. Must be currently enrolled full time in a post-secondary institution in Canada or the U.S. (Domestic or International students).

Top Features:

  • Unlimited debit transactions and Interac e-Transfer transactions
  • Earn rewards on debit transactions
  • Winner of Top Student Chequing Account by Ratehub.ca

Sign up today and get up to 5,000 SCENE or Scotia Rewards Points.
Getting There Savings Program for Youth
$0
Monthly Fees
Unlimited
Number of Monthly Transactions
2
Interac e-Transfer
Start building healthy financial habits early
Open Account
Open Account
Getting There Savings Program for Youth
Account Details
Account Type: Chequing
Bank: Scotiabank
Key Infos

Getting There Savings Program for Youth offers no monthly fee.  Must be 18 years old or younger. It's a free paperless or paper statements.

Start building healthy financial habits early.

Top features:

  • Unlimited debit transactions
  • 2 free Interac e-Transfer transactions per month
  • Your choice of SCENE Rewards or Scotia Rewards
  • Earn 0.05% interest on deposits up to $499.99
  • Earn 0.10% interest on deposits of $500 or more
No Fee Daily Chequing Account
$0
Monthly Fees
Unlimited
Number of Monthly Transactions
Unlimited
Interac e-Transfer
Your money should work as hard as you do. That’s why we offer a no-fee daily Chequing Account that gives you free daily chequing transactions and pays you interest on every dollar in your Account.
Open Account
Open Account
No Fee Daily Chequing Account
Account Details
Account Type: Chequing
Bank: Tangerine
Key Infos
Experience no-fee daily chequing and earn interest on every dollar in your Account.
  • No fees for daily transactions
  • Free Interac e-Transfer®
  • Free access to 3,500 ABMs
  • Overdraft Protection (requires application)
  • Get your first cheque book of 50 cheques for free. Additional cheque books are just $20 each.
  • Up to 0.65% Interest rate.

Interest rate tiers

If balance is Rate
$0 - $49,999.99 0.15%
$50,000 - $99,999.99 0.55%
$100,000 or more 0.65%