Compare chequing accounts in Canada.

With the BMO Performance Chequing Account, you can get up to $900 in cash* and up to 12 months of Walmart Delivery Pass subscription*:

• $700 for opening a BMO Performance or Premium Chequing Account by November 2, 2026, setting up a recurring direct deposit of $500 or more by December 31, 2026, and completing eligible banking activities.
• $150 for opening a Savings Amplifier Account by November 2, 2026 with a deposit of $10,000 or more within 30 days of opening the account and maintaining an eligible balance to receive the promotional interest rate of 5.00%.
• An additional $50 by creating a goal and applying a strategy in My Financial Progress by December 31, 2026.
• Up to 12 months of Walmart Delivery Pass subscription when you open and fund an eligible BMO account and use your debit card as the payment method.

Also enjoy a promotional interest rate of 5.00% with a BMO Savings Amplifier Account.

Other Benefits:

• Unlimited banking transactions*
• Family members in your household get no fee daily banking with the BMO Family Bundle*
• Up to $40 rebate for eligible BMO credit cards*
• OnGuard^®† Identity Theft Protection at no charge*

All for $17.95 a month, or free if you maintain a minimum balance of $4,000*.

Right now, when you open a new Scotiabank Ultimate Package, you can earn up to $1,000 in bonuses!

To get a $700 bonus, you must open a new Ultimate or Preferred Package and, within 60 days:

• Set up a recurring direct deposit (such as payroll or pension) that recurs every month for 6 consecutive months; and
• Complete one of the following: a pre-authorized debit of at least $50 per month for 6 consecutive months, a bill payment of at least $50 in your online banking, or a Visa Debit purchase with your ScotiaCard

Then, you can earn a $200 bonus by opening a new Money Master savings account and maintaining your enrollment in a smart savings tool (Pay Yourself First or Find the Money) for 90 consecutive days.

Finally, you’ll earn a $100 bonus by applying and being approved for an eligible credit card of which you are the primary cardholder, and then making at least one eligible purchase on it.

Scotiabank’s Ultimate Package includes a number of attractive benefits:

• Waiver of annual fees (up to $150) on certain credit cards such as the Scotiabank Passport Visa Infinite +* Card or Scotia Momentum Visa Infinite.
• Unlimited free Global non-Scotiabank ABM withdrawals
• Unlimited debit transactions
• Unlimited free international money transfer transactions
• Unlimited Interac e-Transfer transactions
• No monthly Overdraft Protection fee
• Free personalized cheques and drafts
• Get Scene+ points
• No monthly account fee on a Scotia U.S. Dollar Daily Interest Account
• $55 annual fee waiver for rental of small safe deposit box compartment

The EQ Bank Personal Account (formerly called Savings Plus Account) is a no-fee account that offers a generous interest rate of up to 2.75%* to all customers on everyday banking services:

• 1.00% interest on everyday banking services;
• Up to 2.75% interest when you set up direct deposit of $2,000 or more per month for your pay.

This account also offers several free features, such as:

• Interac transfers;
• Daily operations;
• Bill payments;
• Deposits and withdrawals.

Finally, there is no minimum balance required for this type of account.

With the Neo Chequing account (formerly Neo Money Account), you earn up to 6% cash back:

• 6% on average at restaurants, bars, and cafés
• 4% on your favorite apps (Netflix, Disney+, Crave, Apple, Uber, Lyft, SkipTheDishes, DoorDash and UberEats)
• 1% on gas and groceries

Discover the Wealthsimple Chequing Account, a chequing account with an interest rate of up to 2.25%, with no monthly fees or minimum balance required.

With this welcome offer, you can get $25 cash back as a new Wealthsimple client. To do this, you simply need to open an account and then deposit at least $1 within 30 days.

• You can earn 1.25% interest on your account balance
• Wealthsimple Premium and Generation clients can earn an even higher interest rate of up to 2.25%
• No fees for everyday banking services (e.g. no monthly fee, no FX, ATM, or Interac fees)
• $1M in CDIC coverage (10x the average)
• Deposit cash at any Canada Post location with instant deposits
• Daily Interac e-Transfer limit of up to $25,000
• Earn up to 3.25% interest on your USD savings

Enjoy unlimited transactions and protection for eligible deposits of up to $1,000,000. Open multiple accounts to easily manage your various financial goals.

Tangerine offers a chequing account with no monthly fees and no minimum balance, ideal for simplifying your day-to-day finances.

In addition, new customers get up to a $250 bonus:

• Receive $250 by depositing your eligible paycheque into a new Tangerine chequing account for at least 2 months;
• The offer ends October 31, 2026.

Here are the main features of the Tangerine No-Fee Daily Chequing Account:

• No monthly fees or minimum balance required
• Unlimited transactions and Interac transfers
• User-friendly mobile application to manage your operations
• Earn up to an additional $300 per year by referring friends and family

Enjoy free access to 3,500+ Scotiabank ABMs in Canada and 44,000+ ABMs worldwide through Scotiabank’s Global ATM Alliance, and earn interest on your chequing balance.

TD U.S. Daily Interest Chequing Account has no monthly fee.

Discover the CIBC Smart Account for Students and enjoy unlimited free transactions with no monthly fees.

Benefit from free electronic statements and free Interac e-Transfers for sending and receiving money.

Also enjoy free withdrawals at CIBC ATMs.

Discover the EQ Bank Joint Account and enjoy an interest rate of up to 2.75% with no monthly fees.

Enjoy free transactions, including bill payments and Interac transfers, with no minimum balance required. Your deposits are protected by CDIC deposit insurance up to $100,000.

Register online in just a few minutes and start saving together.

Enjoy a welcome offer of 200,000 PC Optimum points (equivalent to $200) with the PC Money Account^TM.

This account, with no monthly fees or minimum balance required, allows you to make unlimited transactions at no cost, including Interac e-Transfer service and foreign currency transactions.

Earn PC Optimum points with every transaction. You can earn up to 10,000 points per month with direct deposit of your pay or pension and bill payments, plus 10 points per dollar on all your purchases.

Finally, optimize your savings with an interest rate of 2.7% and grow your capital with the optional savings feature.

The TD Student chequing account online is made for students:

• 25 free transactions including Interac e-Transfer transactions, then $1.25 per additional transaction
• No monthly fees

For a limited time, get up to $150 when you open a TD Student chequing account.

Discover the BMO Plus Program Chequing Account, ideal for those who make up to 25 transactions a month.

For only $11.95 per month, enjoy unlimited Interac e-Transfers, free access to BMO ATMs, and overdraft protection – or no monthly fees if you maintain a minimum balance of $3,000.

Manage your finances with ease with online banking and the mobile app. Moreover, take advantage of fee refunds for international transactions and free direct deposits.

Choose the CIBC Everyday Chequing Account with a monthly fee of $4.00 for 12 transactions and $1.25 for each additional transaction.

Enjoy free electronic and paper statements, and free withdrawals at CIBC ATMs.

Interac e-Transfers are $1.50 each for shipping. No minimum balance requirement.

The Scotiabank Right Size Account for Business is designed on a pay-as-you-go basis. The basic fee is $6 per month, plus a per-transaction fee that decreases with volume:

• 1-15 transactions: $1.25 per transaction
• 16-50 transactions: $1.15 per transaction
• 51 transactions and more: $1.00 per transaction

Discover the CIBC Smart Account, designed to fit your needs.

Enjoy flexible monthly fees from $0 to $16.95 and no monthly fees with a minimum daily balance of $4,000. Seniors (65 and over) receive an additional discount of $6.95.

Make your transactions free of charge with unlimited Interac e-Transfers and enjoy one free withdrawal per month at a non-CIBC bank machine in Canada. Use your account for online purchases with Visa Debit.

CIBC Smart Start has no monthly fee.

Discover the CIBC Smart Account for Newcomers and pay no monthly fees for two years.

Enjoy unlimited transactions, including Interac e-Transfers, and make online purchases with Visa Debit.

Make one free withdrawal per month at a non-CIBC ATM in Canada and benefit from exclusive cell phone offers with Koodo.

Get instant access to your account by applying online.

Right now, when you open a new Scotiabank Preferred Package, you can earn up to $1,000 in bonuses!

To get a $700 bonus, you must open a new Preferred or Ultimate Package and, within 60 days:

• Set up a recurring direct deposit (such as payroll or pension) that recurs every month for 6 consecutive months; and
• Complete one of the following: a pre-authorized debit of at least $50 per month for 6 consecutive months, a bill payment of at least $50 in your online banking, or a Visa Debit purchase with your ScotiaCard

Then, you can earn a $200 bonus by opening a new Money Master savings account and maintaining your enrollment in a smart savings tool (Pay Yourself First or Find the Money) for 90 consecutive days.

Finally, you’ll earn a $100 bonus by applying and being approved for an eligible credit card of which you are the primary cardholder, and then making at least one eligible purchase on it.

The Scotiabank Preferred Package has the following main features:

• Unlimited Interac Debit and e-Transfer transactions
• Annual fee waiver for the first year on select credit cards (up to $150)
• Recurring $40 annual discount on select eligible credit cards
• Preferred rates on select GICs
• One free withdrawal per month at a non-Scotiabank ATM in Canada

CIBC Smart for Seniors is the CIBC chequing account designed for clients aged 65 and over. As soon as you turn 65, you automatically become eligible for the program's benefits, with no monthly account fee.

You get unlimited transactions, including Interac e-Transfer transactions, along with free bank drafts and money orders. Depending on your profile, you may also be eligible for an annual fee rebate on an eligible CIBC credit card.

It is a simple, economical way to manage your everyday banking in retirement, with no monthly fee.

With the BMO Newcomers Performance Chequing Account, you can get up to $900 welcome bonus* and up to 12 months of a Walmart+ membership*:

• $700 for opening a BMO Performance or Premium Plan chequing account by November 2, 2026, setting up a recurring direct deposit of $500 or more by December 31, 2026, and completing eligible banking activities.
  • You must complete Step 1 to be eligible for Step 2.*
  • Complete one of the following by December 31, 2026*:
    • make two (2) bill payments of at least $50 to two (2) different payees through BMO Online Banking or the BMO Mobile Banking app;
    • set up two (2) automatic payments of at least $50 to two (2) different payees.
• $150 for opening a Savings Amplifier Account by November 2, 2026 with a deposit of $10,000 or more within 30 days of opening the account, and maintaining an eligible balance to receive the 5.00% promotional interest rate.
  • Maintain a daily closing balance of $10,000 or more for 120 calendar days from the deposit date to receive the promotional interest rate of 5.00% on balances up to $1,000,000;
  • After the initial 120-day promotional period, continue to maintain a daily closing balance of $10,000 or more for an additional 90 calendar days to be eligible for the $150 cash bonus.
• An additional $50 by creating a goal and applying a strategy in My Financial Progress by December 31, 2026.
• You must complete Step 1 to be eligible for Step 3.*
• Up to 12 months of Walmart+* when you open and fund an eligible BMO account and use your debit card as the payment method on Walmart.ca.
  • Open and fund a new BMO Performance, Premium, Practical, or Plus chequing account by November 2, 2026.
  • Subscribe or update your existing Walmart+ membership by December 31, 2026, and select the debit card as the payment method.

Also enjoy a promotional interest rate of 5.00% with a BMO Savings Amplifier Account*.

Plus, enjoy:

• Unlimited everyday banking transactions*
• Up to $40 rebate* on eligible BMO credit cards
• Send BMO Global Money Transfer with no fee*: send funds quickly and securely in multiple currencies to nearly 50 destinations.

Discover the TD Unlimited Chequing Account, ideal for hassle-free financial management.

Enjoy unlimited transactions and no TD ATM fees in Canada. Save on the $17.95 monthly fees by maintaining a balance of $4,000. Seniors benefit from a $5 discount on monthly fees.

Benefit from free Interac e-Transfers, annual fee rebates on selected TD credit cards, and free TD fraud alerts. Get 50% more Stars at Starbucks.

Discover the RBC Ultimate Business Account Package: the perfect banking solution for businesses.

This banking package could be perfect for you if:

• You have medium to high transaction volumes
• Your banking needs are diverse, with a mix of paper and electronic activity
• You don’t want to worry about transaction or deposit limits

The $100 monthly fee is waived with a minimum daily balance of $75,000. This business account package offers unlimited electronic transactions for smooth, efficient banking. You can also take advantage of unlimited electronic cheque deposits and unlimited Moneris deposits.

Additionally, you can enjoy exclusive savings at Petro-Canada by linking your eligible RBC business card to your Petro-Canada card.

The Scotiabank Basic Plus Bank Account has the following key features:

• 25 free debit transactions per month
• Free Interac e-Transfer^† transactions
• Send money worldwide for $1.99 with Scotiabank’s International Money Transfer service
• Earn points on everyday purchases with the Scene+^™ program
• Fuel up and save at Shell^°

The Desjardins Youth Everyday Account is ideal for young people under 18, offering unlimited free transactions.

Use the Desjardins Access Card to make purchases and use ATMs.

Manage your finances easily on AccèsD and view your monthly statements online.

Discover RBC Signature No Limit Banking with unlimited debit transactions and free Interac e-Transfers.

Save $16.95 on monthly fees with the Value Program, with no minimum balance required.

Benefit from overdraft protection up to $5,000 and a rebate of up to $48 on eligible annual credit card fees.

Save 3¢/l on gas at Petro-Canada and benefit from the Right Account Guarantee.

Wealthsimple Business Chequing Account has no monthly fee. Your balance earns 2.25%.

Discover the Desjardins Basic Plan, which is ideal for those who make few monthly transactions and are looking for an economical package. Benefit from 12 transactions per month, including Interac transfers, transactions in AccèsD, by cheque, and at the ATM. This plan also includes a debit card and an online or paper account statement.

For just $3.95 a month, this package becomes free if you maintain a minimum balance of $1,500. As a Desjardins member, you can also benefit from rebates, giving you even more financial advantages.

With the TD Every Day Chequing Account, you can easily and efficiently manage your finances with TD Online:

• 25 monthly banking transactions included, and $1.25 for each additional transaction
• Free Interac e-Transfer transactions.
• A monthly fee of 10.95$ per month, or the fee is waived if you maintain a minimum balance of $3,000 or more and perform eligible transactions.

Discover the RBC Current Banking Package with a $4 monthly fee, 12 free debit transactions per month, and free Interac e-Transfers.

Take advantage of fuel savings at Petro-Canada and the Right Account Guarantee.

Discover the BMO Practical Chequing Account, which is perfect for those who want to manage their finances without breaking the bank.

With a low monthly fee of $4, enjoy up to 12 transactions per month and reduced fees for additional transactions. Enjoy free access to BMO ATMs and unlimited Interac e-Transfers.

Easily manage your account with online banking and the mobile app. What’s more, optional overdraft protection and free direct deposits add to the convenience.

Choose the RBC VIP Banking Package and enjoy unlimited debit transactions and free Interac e-Transfers.

Enjoy fee exemption on ATM withdrawals from Interac and PLUS networks.

With a monthly fee of $30, reduced to $18.05 with the Value Program rebate, this account also offers a rebate of up to $120 on annual credit card fees.

With no minimum balance required, save 3¢/l on gas at Petro-Canada and benefit from the Right Account Guarantee.

With the BMO Student Performance Chequing Account, students can enjoy a bank account with no monthly fees while studying and for up to one year after graduation.

Right now, students get up to $800 in value, including a $200 tech reward from Best Buy.

Plus, enjoy:

• Unlimited transactions and Interac e-Transfer^® transactions*
• Up to $40 rebate for eligible BMO credit cards*
• Enjoy no monthly plan fees while in school and up to one year after graduation.

The RBC Flex Choice Business Account is for businesses that keep one foot in digital banking and one foot in the branch.

At $7 a month the fixed fee stays low, and everything else is pay-per-use. No transaction cap, no minimum: you pay $0.75 per electronic deposit and $1.25 per paper transaction. Items deposited and Moneris deposits stay unlimited.

Transactions made through RBC Online Banking, the mobile app or RBC ATMs cost 40% less. This is the package to look at if your business runs 5 to 75 paper transactions a month, the range where unlimited-transaction packages often end up costing more.

With the TD Minimum Chequing Account, you can easily and efficiently manage your finances with TD online:

• 12 monthly banking transactions included (including 2 service transactions) and $1.25 per additional transaction.
• A $3.95 monthly fee or waived if you are a senior, youth, or student meeting eligibility criteria (see terms and conditions).

Discover Scotiabank Basic Bank Account with a monthly fee of $3.95 and 18 free transactions per month.

Take advantage of free Interac e-Transfers and overdraft protection.

Seniors receive an automatic discount on the monthly fee. Easy access to your online and mobile banking services.

With the Scotiabank Select Account for business, choose from four plans to suit your needs. And switch easily between them.

• Plan A: $20 per month, up to 25 transactions and 50 deposit items
• Plan B: $40 per month, up to 70 transactions and 60 deposit items
• Plan C: $75 per month, up to 125 transactions and 85 deposit items
• Plan D: $120 per month, unlimited transactions and deposit items

Plus, with Plans A, B and C, send up to 20 Interac e-Transfers per month free of charge.

Discover the Desjardins Intermediate Plan, perfect for those looking for a flexible banking solution at an affordable price. Enjoy 30 transactions per month, including Interac e-Transfers, transactions within AccèsD, by cheque, and at the ATM. This plan also includes a debit card and an online or paper account statement.

For just $10.95 a month, this package becomes free if you maintain a minimum balance of $3,000. As a Desjardins member, you can also benefit from rebates, giving you even more financial advantages.

Discover CIBC’s offer for international workers and enjoy no monthly fees for 24 months.

Enjoy unlimited transactions, free international transfers, and one free withdrawal per month at a non-CIBC ATM in Canada.

Open your account online easily with documents from 195 countries.

Right now, when you open a new Scotiabank Preferred Package for Students and Youth, you can get a welcome bonus of up to $200!

To get this $200 bonus, you must first open your account between July 2 and November 1, 2026. Then, you just need to complete 2 of the following 3 activities within 60 days of opening your account:

• Set up at least 1 eligible recurring automatic direct deposit, which will recur monthly for a minimum of 3 consecutive months
• Set up at least 1 eligible recurring pre-authorized transaction, which will recur monthly for a minimum of 3 consecutive months
• Make at least 5 online Visa* Debit purchases with your Scotiabank® Card wherever Visa* Debit is accepted. Only the following types of Visa Debit transactions are eligible: online debit purchases and in-store purchases made outside Canada.

The Scotiabank Preferred Package for Students and Youth has the following key features:

• Unlimited Interac Debit and e-Transfer transactions
• Earn points on your everyday purchases with Scene+
• Free Scotia iTRADE trades for students and youth
• No monthly account fees if you are under 25 or if you are pursuing full-time studies at a post-secondary educational institution in Canada or the United States

With the BMO Performance Plan Chequing Account, you can manage your personal finances without monthly plan fees:

• Save up to $491 a year with a Performance Plan chequing account
• Unlimited number of everyday banking transactions*
• Up to $40 rebate for eligible BMO credit card*
• No-Fee BMO Global Money Transfers: Send funds quickly and securely to 70 destinations in multiple currencies.
• No monthly fees

Open a Simplii Financial No Fee Chequing Account before September 30, 2026 and earn a $300 cash bonus plus a $50 Skip gift card by setting up eligible direct deposits of at least $100 per month for 3 consecutive months, within 120 days of opening.

Save over $200 a year with this no monthly fee, no minimum balance account.

Enjoy free access to all CIBC ATMs across Canada, as well as unlimited Interac and debit transactions.

With the BMO Privilege Chequing Account, you can get up to $900 in cash* and up to 12 months of Walmart Delivery Pass subscription*:

• $700 for opening a BMO Performance or Premium Chequing Account by November 2, 2026, setting up a recurring direct deposit of $500 or more by December 31, 2026, and completing eligible banking activities.
• $150 for opening a Savings Amplifier Account by November 2, 2026 with a deposit of $10,000 or more within 30 days of opening the account and maintaining an eligible balance to receive the promotional interest rate of 5.00%.
• An additional $50 by creating a goal and applying a strategy in My Financial Progress by December 31, 2026.
• Up to 12 months of Walmart Delivery Pass subscription when you open and fund an eligible BMO account and use your debit card as the payment method.

Also enjoy a 5.00% promotional interest rate with a BMO Savings Amplifier Account.*

Plus, enjoy:

• Unlimited ATM withdrawals at other financial institutions worldwide*
• A discount of up to $150 on annual fees, every year, for an eligible BMO credit card*
• A preferred exchange rate on US dollars when you transfer funds between your Canadian and US dollar accounts (in both directions)*

Get all of this for a fee of $30.95 per month—or no monthly fee if you maintain a minimum balance of $6,000*.

Discover the Desjardins Unlimited Plan, ideal for those looking for total flexibility in managing their day-to-day finances. With unlimited transactions each month, whether via AccèsD, by cheque, or at the ATM, this plan offers you great flexibility. Enjoy access to the AccuLink ATM network and an included debit card.

For just $15.95 a month, you can manage your operations with ease. What’s more, if you maintain a minimum balance of $4,000, these monthly fees are waived. As a Desjardins member, you may also benefit from rebates, contributing to your financial advantage.

BMO Blue Rewards Chequing Account has a monthly fee of $17.95. The fee is waived with a minimum balance of $4,000.

BMO U.S. Dollar Primary Chequing Account has no monthly fee.

RBC U.S. Personal Account has a monthly fee of $3.

RBC Advantage Banking Account for Students has no monthly fee.

Scotiabank Preferred Package for Students and Youth under 16 has no monthly fee.

Scotiabank Student Banking Advantage Plan has no monthly fee.

Discover RBC Digital Choice Business Account Package : the perfect solution for small businesses.

At only $6 per month, it is one of the most affordable business banking plans in Canada. This business account package offers unlimited electronic transactions for smooth, efficient banking. You can also take advantage of unlimited electronic cheque deposits and unlimited Moneris deposits. And you can offer your customers the convenience of card payments.

Plus, you can enjoy exclusive savings at Petro-Canada by linking your eligible RBC business card to your Petro-Canada card.

Discover the Desjardins Unlimited Plus plan, designed to meet all your everyday banking needs. Benefit from unlimited transactions each month, including transfers and payments via AccèsD, cheque transactions, and ATM withdrawals. Benefit from reduced fees for drafts, certified cheques, and other essential services.

With a monthly discount of $14, save up to $168 a year. This plan is free if you maintain a minimum monthly balance of $5,000. Furthermore, as a Desjardins member, you participate in your caisse’s decisions and can receive patronage dividends, thus contributing to the well-being of your community.

Discover the TD All-Inclusive Banking Plan, ideal for those looking for an account with premium benefits.

Enjoy unlimited transactions and no ATM fees anywhere in Canada and abroad. Benefit from an annual rebate on selected TD credit cards and free Interac e-Transfers. Plus, get a small safety deposit box and receive free TD Fraud Alerts. Maintain a balance of $5,000 to avoid the monthly fees of $30.95.

The Scotiabank StartRight® Program is designed for newcomers to Canada (permanent residents within their first 5 years, international students, and foreign workers). It offers:

• Up to $2,300 in first-year value (chequing account, credit card, and bundled offers)*
• No monthly fee for the first year on an eligible chequing account, with no minimum balance required*
• A credit card with no Canadian credit history required, with a credit limit of up to $15,000*
• Unlimited no-fee international money transfers*
• Transfer up to $50,000 to an International Account before you arrive*

Discover the RBC Advantage Banking Package and enjoyunlimited debit transactions and free Interac e-Transfers.

Benefit from reduced monthly fees with the Value Program rebate andfuel savings at Petro-Canada.

Enjoy unlimited withdrawals at non-RBC ATMs in Canada and the Right Account Guarantee.

Simplify your U.S. dollar transactions with the Desjardins U.S. Build-Up Savings Account.

Benefit from unlimited current transactions at no charge if you maintain a minimum balance of US$1,000, and progressive daily interest to maximize your savings.

Ideal for frequent travelers to the United States, this account provides easy access to your US dollar funds.

Manage your finances with transfers between accounts in U.S. or Canadian dollars, and view your statements online or in paper format.