Compare Senior Accounts

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 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 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 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

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 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.

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.

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

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 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.

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.

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.

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 

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

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 Momentum^PLUS 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 Momentum^PLUS Savings Account
• Unlimited free Global non-Scotiabank ABM withdrawals

You could earn $350 cash when you open an Ultimate Package and switch to Scotiabank.

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 Momentum^PLUS Savings Account
• Your choice of SCENE^TM or Scotia Rewards^®

You could earn $300 cash when you open a Preferred Package and switch to Scotiabank.

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  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.