Free Student Chequing Accounts in Canada
- Student chequing accounts are designed specifically for students and typically waive the monthly fee for as long as you’re enrolled.
- Many everyday chequing accounts are also free for students without being marketed that way. Both kinds are listed together below and labelled, so you can compare them side by side.
- Free transaction counts, e-Transfer limits, and ATM access vary widely, so compare on those rather than on the fee alone.
- Banks and fintechs serve students across Canada, while credit unions serve only the provinces they operate in. Use the province filter to see what you can actually open.
Student Chequing Accounts in Ontario
Every chequing account a student can hold for free in the selected province, whether it carries a student-specific plan or simply waives its fee for students. Select an institution in the table to jump to its card below, where the full breakdown and the link to the account live.
Selected Province: Ontario
| Everyday Growth Account | Free for Everyone | Unlimited | — | — | — | Free | |
| Student Life | Student Account | Unlimited | — | $3,000 | Alterna ATM; ding free® ATM; THE EXCHANGE Network; ACCULINK® Network | Free | |
| Student Chequing Package | Student Account | Unlimited | — | $5,000 | Meridian ATM; THE EXCHANGE Network | Free | |
| TD Student Chequing Account | Student Account | Unlimited | — | $3,000 | TD ATM | Free | |
| Performance Chequing Account | Free for Students | Unlimited | — | $3,000 | BMO ATM | Free | |
| Youth Plan | Free for Students | Unlimited | — | $20,000 | Caisse Alliance ATM; ACCULINK® Network; THE EXCHANGE Network | Free | |
| CIBC Smart™ Start | Free for Students | Unlimited | — | $3,000 | CIBC ATM | Free | |
| Coast Capital Unlimited Chequing Account | Free for Students | Unlimited | — | $3,000 | Coast Capital ATM; ding free® ATM; THE EXCHANGE Network; ACCULINK® Network | Free | |
| Unlimited plan | Free for Students | Unlimited | Transactions within a non-registered regular savings account do not count toward the transaction limit. | $5,000 | Desjardins ATM; ACCULINK® Network | Free | |
| Aim For More Chequing | Free for Students | Unlimited | 3 free ATM transactions on the Interac network are included each month. | $10,000 | DUCA ATM; ding free® ATM; THE EXCHANGE Network; ACCULINK® Network | Free | |
| Premium | Free for Students | Unlimited | 10 free Interac e-Transfers are included each month. | $10,000 | FirstOntario ATM; THE EXCHANGE Network | Free | |
| Chequing | Free for Students | Unlimited | — | — | Hana Bank ATM; THE EXCHANGE Network | Free | |
| Go Free Chequing | Free for Students | Unlimited | E-Transfers are excluded from the transaction limit and is unlimited. | $3,000 | Libro ATM; ding free® ATM; THE EXCHANGE Network; ACCULINK® Network | Free | |
| Light | Free for Students | 12 | E-Transfers are excluded from the transaction limit and is unlimited. | — | Mainstreet ATM; ding free® ATM; THE EXCHANGE Network; ACCULINK® Network | Free | |
| The Connected | Free for Students | Unlimited | — | $4,000 | National Bank ATM; THE EXCHANGE Network | Free | |
| The Minimalist | Free for Students | 18 | — | $4,000 | National Bank ATM; THE EXCHANGE Network | Free | |
| Unlimited Chequing | Free for Students | Unlimited | — | — | Pathwise ATM; ding free® ATM; THE EXCHANGE Network; ACCULINK® Network | Free | |
| RBC Advantage Banking Account | Free for Students | Unlimited | — | $10,000 | RBC ATM | Free | |
| Chequing | Free for Students | Unlimited | — | $3,000 | SBIC ATM; THE EXCHANGE Network | Free | |
| Preferred Package | Free for Students | Unlimited | — | — | Scotiabank ABM | Free | |
| Limitless Plan | Free for Students | Unlimited | — | $3,000 | Tandia ATM; THE EXCHANGE Network | Free | |
| Eva Youth Chequing Account | Free for Students | Unlimited | E-Transfers are excluded from the transaction limit and is unlimited. | — | WFCU ATM; ding free® ATM; THE EXCHANGE Network; ACCULINK® Network | Free | |
| Youth | Free for Students | Unlimited | E-Transfers are excluded from the transaction limit and is unlimited. | — | WFCU ATM; THE EXCHANGE Network | Free | |
| Simply Starter Chequing | Free for Students | Unlimited | E-Transfers are excluded from the transaction limit and is unlimited. | $10,000 | YNCU ATM; THE EXCHANGE Network | Free | |
| No-Fee eChequing Account | Free for Everyone | Unlimited | — | $3,000 | Alterna ATM; THE EXCHANGE Network | Free | |
| Regular Chequing Account | Free for Everyone | Unlimited | E-Transfers are excluded from the transaction limit and is unlimited. | $5,000 | BCU ATM; ding free® ATM; THE EXCHANGE Network; ACCULINK® Network | Free | |
| Free Chequing, Free Debit, and More Account | Free for Everyone | Unlimited | Interac e-Transfers do not count toward the transaction limit. | $3,000 | Coast Capital ATM; ding free® ATM; THE EXCHANGE Network; ACCULINK® Network | Free | |
| Personal Account | Free for Everyone | Unlimited | — | $5,000 | Any ATM in Canada; 5 fee rebates/month (up to $5 each) | Free | |
| E-Chequing | Free for Everyone | Unlimited | — | — | Frontline ATM; ding free® ATM; THE EXCHANGE Network; ACCULINK® Network | Free | |
| Perfetto. | Free for Everyone | Unlimited | E-Transfers are excluded from the transaction limit and is unlimited. | $10,000 | IC Savings ATM; ding free® ATM; THE EXCHANGE Network; ACCULINK® Network | Free | |
| No-Fee Chequing Account | Free for Everyone | Unlimited | E-Transfers are excluded from the transaction limit and is unlimited. | $20,000 | Innovation ATM; ACCULINK® Network | Free | |
| 1Q Chequing | Free for Everyone | Unlimited | — | — | Hana Bank ATM; THE EXCHANGE Network | Free | |
| Infinite Chequing Account | Free for Everyone | Unlimited | — | — | Luminus ATM; THE EXCHANGE Network | Free | |
| FreeFlex Account | Free for Everyone | Unlimited | — | — | MCCCU ATM; ding free® ATM; THE EXCHANGE Network; ACCULINK® Network | Free | |
| No-Fee Chequing Account | Free for Everyone | Unlimited | — | $10,000 | Moya ATM; ding free® ATM; THE EXCHANGE Network; ACCULINK® Network | Free | |
| Neo Chequing | Free for Everyone | Unlimited | — | $10,000 | — | Free | |
| Everyday Chequing Account | Free for Everyone | Unlimited | — | $10,000 | Parama ATM; THE EXCHANGE Network | Free | |
| Essential Chequing | Free for Everyone | 10 | — | — | Pathwise ATM; ding free® ATM; THE EXCHANGE Network; ACCULINK® Network | Free | |
| PC Money™ Account | Free for Everyone | Unlimited | — | $50,000 | PC Financial ATM | Free | |
| No Fee Chequing Account | Free for Everyone | Unlimited | — | $3,000 | CIBC ATM | Free | |
| No Fee Account | Free for Everyone | Unlimited | — | $3,000 | Sudbury ATM; ding free® ATM; THE EXCHANGE Network; ACCULINK® Network | Free | |
| No-fee daily Chequing Account | Free for Everyone | Unlimited | — | $3,000 | Scotiabank ABM | Free | |
| Personal Chequing Account | Free for Everyone | Unlimited | — | $25,000 | UCU ATM; ding free® ATM; THE EXCHANGE Network; ACCULINK® Network | Free | |
| ucublu too Virtual Chequing | Free for Everyone | Unlimited | — | $25,000 | UCU ATM; THE EXCHANGE® Network | Free | |
| Chequing account | Free for Everyone | Unlimited | — | $5,000 | Any ATM worldwide | Free | |
| Simply Free Chequing | Free for Everyone | 12 | E-Transfers are excluded from the transaction limit and is unlimited. | $10,000 | YNCU ATM; THE EXCHANGE Network | Free |
Interac e-Transfer limits may vary depending on your client profile.
Haventree Bank
Free for EveryoneAccount: Everyday Growth Account
- Monthly Fee
- Free
- Free Transactions
- Unlimited
- e-Transfer Fee
- Free
- NSF Fee
- $0.00
- Mobile Banking
- Digital-First
- Interest Rate
- 2.50%
About this account: Haventree Bank Everyday Growth Account is a no-monthly-fee, digital-only hybrid chequing and savings account with no minimum balance. It pays 2.50% interest on every dollar, calculated daily and paid monthly. It supports bill payments, Interac e-Transfers, direct deposits, EFTs, and joint accounts. Up to 8 accounts are available, but ATM access is unavailable.
Alterna Savings
Student AccountAccount: Student Life
- Monthly Fee
- Free for Youth/Students
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $3,000
- e-Transfer Fee
- Free
- Free ATM Access
- Alterna ATM; ding free® ATM; THE EXCHANGE Network; ACCULINK® Network
- NSF Fee
- $50.00
- Interest Rate
- 0.00%
This limit may vary depending on the client profile.
About this account: Alterna Savings Student Life is a no-monthly-fee chequing package for post-secondary students, with no minimum balance requirement and unlimited day-to-day transactions, including Interac e-Transfers. Proof of continued enrolment must be provided by the account anniversary each year to retain eligibility; otherwise, the account may be switched to the Basic package.
Visit Alterna Savings’ Account Page
Meridian
Student AccountAccount: Student Chequing Package
- Monthly Fee
- Free for Youth/Students
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $5,000
- e-Transfer Fee
- Free
- Free ATM Access
- Meridian ATM; THE EXCHANGE Network
- NSF Fee
- $48.00
- Interest Rate
- 0.00%
This limit may vary depending on the client profile.
About this account: Meridian Student Chequing Package is a no-monthly-fee account for members ages 18 to 25 or eligible post-secondary students. It includes unlimited self-serve transactions, 5 in-branch transactions, 99 rebated Interac e-Transfers, and 2 cheques per month. Additional in-branch transactions and cheques are charged individually.
Visit Meridian’s Account Page
TD
Student AccountAccount: TD Student Chequing Account
- Monthly Fee
- Free for Youth/Students
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $3,000
- e-Transfer Fee
- Free
- Free ATM Access
- TD ATM
- NSF Fee
- $10.00
- Interest Rate
- 0.01%
This limit may vary depending on the client profile.
About this account: TD Student Chequing Account is a no-monthly-fee account for youth and students, with unlimited transactions and free Interac e-Transfers. For eligible customers, it also has no monthly fee for Monthly Plan Overdraft Protection. The account remains free until age 23, or longer with proof of full-time post-secondary enrollment.
Visit TD’s Account Page
BMO
Free for StudentsAccount: Performance Chequing Account
- Monthly Fee
- Free for Students
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $3,000
- e-Transfer Fee
- Free
- Free ATM Access
- BMO ATM
- NSF Fee
- $10.00
- Interest Rate
- 0.00%
$17.95 per month otherwise
This limit may vary depending on the client profile.
About this account: BMO Performance Chequing Account is a chequing account with unlimited transactions and Interac e-Transfers. It includes OnGuard Identity Theft Protection and one non-BMO ATM withdrawal in Canada per month with BMO’s fee waived, although fees charged by the ATM operator still apply. The account also provides an annual fee rebate of up to $40 on an eligible BMO credit card. The monthly fee is waived when you maintain a minimum balance of $4,000.
Visit BMO’s Account Page
Caisse Populaire Alliance
Free for StudentsAccount: Youth Plan
- Monthly Fee
- Free for Youth/Students
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $20,000
- e-Transfer Fee
- Free
- Free ATM Access
- Caisse Alliance ATM; ACCULINK® Network; THE EXCHANGE Network
- NSF Fee
- Not disclosed
- Interest Rate
- 0.00%
This limit may vary depending on the client profile.
About this account: Caisse Alliance Youth Profit Account is a no-transaction-fee account for young adults and eligible full-time post-secondary students under age 26. It includes regular deposits, withdrawals, cheques, transfers, bill payments, and debit purchases, with access through branches, ATMs, and Allia online banking.
Visit Caisse Populaire Alliance’s Account Page
CIBC
Free for StudentsAccount: CIBC Smart™ Start
- Monthly Fee
- Free for Youth/Students
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $3,000
- e-Transfer Fee
- Free
- Free ATM Access
- CIBC ATM
- NSF Fee
- $10.00
- Interest Rate
- 0.00%
This limit may vary depending on the client profile.
About this account: CIBC Smart Start is a no-monthly-fee chequing account for Canadian residents under 25, whether or not they are students. It includes unlimited transactions and Interac e-Transfers, plus a rebate of CIBC’s fee for one non-CIBC ATM withdrawal in Canada each month, although fees charged by the ATM operator still apply. At age 25, regular CIBC Smart Account terms apply unless you’re eligible for CIBC Smart for Students.
Visit CIBC’s Account Page
Coast Capital
Free for StudentsAccount: Coast Capital Unlimited Chequing Account
- Monthly Fee
- Free for Students
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $3,000
- e-Transfer Fee
- Free
- Free ATM Access
- Coast Capital ATM; ding free® ATM; THE EXCHANGE Network; ACCULINK® Network
- NSF Fee
- $10.00
- Interest Rate
- 0.00%
$8.50 per month otherwise
This limit may vary depending on the client profile.
About this account: Coast Capital Unlimited Chequing Account is a chequing account with unlimited day-to-day transactions and free Interac e-Transfers. It includes ID Assist identity theft protection and 25 free Canadian cheques per year. The monthly fee can be waived based on age or a $4,000 daily balance, or reduced with eligible direct deposit.
Visit Coast Capital’s Account Page
Desjardins
Free for StudentsAccount: Unlimited plan
- Monthly Fee
- Free for Students
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $5,000
- e-Transfer Fee
- Free
- Free ATM Access
- Desjardins ATM; ACCULINK® Network
- NSF Fee
- $10.00
- Interest Rate
- 0.00%
$15.95 per month otherwise
This limit may vary depending on the client profile.
Transaction limits: Transactions within a non-registered regular savings account do not count toward the transaction limit.
About this account: Desjardins Unlimited plan is an everyday account with unlimited transactions, including digital, debit card, ATM, teller, and cheque transactions. It also includes access to the AccuLink ATM network. The $15.95 monthly fee can be waived by maintaining a balance of at least $4,000 throughout the month.
Visit Desjardins’ Account Page
DUCA Financial
Free for StudentsAccount: Aim For More Chequing
- Monthly Fee
- Free for Youth/Students
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $10,000
- e-Transfer Fee
- Free
- Free ATM Access
- DUCA ATM; ding free® ATM; THE EXCHANGE Network; ACCULINK® Network
- NSF Fee
- $10.00
- Interest Rate
- 0.00%
This limit may vary depending on the client profile.
Transaction limits: 3 free ATM transactions on the Interac network are included each month.
About this account: DUCA Aim For More Chequing is a no-monthly-fee account for members ages 16 to 29. It includes free withdrawals, EFTs, bill payments, Me-to-Me transfers, and 3 free Interac e-Transfers per month, with no minimum balance requirement. At age 30, the account transitions to Daylight Chequing.
Visit DUCA Financial’s Account Page
FirstOntario Credit Union
Free for StudentsAccount: Premium
- Monthly Fee
- Free for Students
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $10,000
- e-Transfer Fee
- Free
- Free ATM Access
- FirstOntario ATM; THE EXCHANGE Network
- NSF Fee
- $50.00
- Interest Rate
- 0.00%
$13.95 per month otherwise
This limit may vary depending on the client profile.
Transaction limits: 10 free Interac e-Transfers are included each month.
About this account: FirstOntario Premium includes unlimited transactions, 10 free Interac e-Transfers per month, free overdraft protection, and up to a $60 annual rebate on an eligible FirstOntario Visa. Its $13.95 monthly fee is waived with a $4,000 minimum daily balance or $1,500 monthly payroll or pension direct deposit, and for youth and students under 25.
Visit FirstOntario Credit Union’s Account Page
KEB Hana Bank Canada
Free for StudentsAccount: Chequing
- Monthly Fee
- Free for Students
- Free Transactions
- Unlimited
- e-Transfer Fee
- Free
- Free ATM Access
- Hana Bank ATM; THE EXCHANGE Network
- NSF Fee
- $10.00
- Interest Rate
- 0.00%
$2.00 per month otherwise
About this account: KEB Hana Bank Canada Chequing is a branch-opened demand account that can also function as an overdraft account. It supports cheque issuance, debit cards, and a linked line of credit. Eligible students, seniors, and RDSP beneficiaries may receive a monthly fee waiver, and transactions between Hana Bank Canada customers are free.
Visit KEB Hana Bank Canada’s Account Page
Libro Credit Union
Free for StudentsAccount: Go Free Chequing
- Monthly Fee
- Free for Youth/Students
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $3,000
- e-Transfer Fee
- Free
- Free ATM Access
- Libro ATM; ding free® ATM; THE EXCHANGE Network; ACCULINK® Network
- NSF Fee
- $50.00
- Interest Rate
- 0.13%
This limit may vary depending on the client profile.
Transaction limits: E-Transfers are excluded from the transaction limit and is unlimited.
About this account: Libro Credit Union Go Free Chequing is a no-monthly-fee account for members age 25 and under. It includes unlimited transactions and unlimited Interac e-Transfers, along with 10 free Interac Request Money transactions per month. Transfers between Libro accounts are also free, with no minimum balance required.
Visit Libro Credit Union’s Account Page
Mainstreet Credit Union
Free for StudentsAccount: Light
- Monthly Fee
- Free for Students
- Free Transactions
- 12
- e-Transfer Fee
- Free
- Free ATM Access
- Mainstreet ATM; ding free® ATM; THE EXCHANGE Network; ACCULINK® Network
- NSF Fee
- $50.00
- Interest Rate
- 0.00%
$4.95 per month otherwise
Transaction limits: E-Transfers are excluded from the transaction limit and is unlimited.
About this account: Mainstreet Credit Union Light is a $4.95-per-month chequing account with 12 combined in-branch and online transactions per month. Interac e-Transfers can be sent and received without a transaction fee. Additional transactions beyond the monthly allowance cost $5 each, and the account includes access to Mainstreet Credit Union’s online and mobile banking services.
Visit Mainstreet Credit Union’s Account Page
National Bank
Free for StudentsAccount: The Connected
- Monthly Fee
- Free for Students
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $4,000
- e-Transfer Fee
- Free
- Free ATM Access
- National Bank ATM; THE EXCHANGE Network
- NSF Fee
- $10.00
- Mobile Banking
- Digital-First
- Interest Rate
- 0.00%
$15.95 per month otherwise
This limit may vary depending on the client profile.
About this account: National Bank The Connected is a chequing account with unlimited digital transactions and Interac e-Transfers. It includes free withdrawals and transactions at participating THE EXCHANGE ABMs across Canada, which are surcharge-free for eligible cardholders. Monthly fees vary by age and are waived for customers under 25, while customers age 25 and older can waive the monthly fee by maintaining a balance of at least $4,500.
Visit National Bank’s Account PageNational Bank
Free for StudentsAccount: The Minimalist
- Monthly Fee
- Free for Students
- Free Transactions
- 18
- Max e-Transfer / Day
- $4,000
- e-Transfer Fee
- Free
- Free ATM Access
- National Bank ATM; THE EXCHANGE Network
- NSF Fee
- $10.00
- Interest Rate
- 0.00%
$3.95 per month otherwise
This limit may vary depending on the client profile.
About this account: National Bank The Minimalist is a basic chequing account with 18 included digital transactions per month, including Interac e-Transfers. It has a $3.95 monthly fee, which is waived for customers age 24 and under and certain other eligible groups. Additional transactions are charged separately, making it suited to lower transaction needs.
Visit National Bank’s Account Page
Pathwise Credit Union
Free for StudentsAccount: Unlimited Chequing
- Monthly Fee
- Free for Students
- Free Transactions
- Unlimited
- e-Transfer Fee
- Free
- Free ATM Access
- Pathwise ATM; ding free® ATM; THE EXCHANGE Network; ACCULINK® Network
- NSF Fee
- $45.00
- Interest Rate
- 0.00%
$7.99 per month otherwise
About this account: Pathwise Credit Union Unlimited Chequing is a $7.99-per-month chequing account for members age 18 and older, with unlimited transactions, including Interac e-Transfers, bill payments, and debit purchases. The monthly fee is waived when an $8,000 balance is maintained and is not charged for members age 17 and younger. The account also earns tiered interest.
Visit Pathwise Credit Union’s Account Page
RBC
Free for StudentsAccount: RBC Advantage Banking Account
- Monthly Fee
- Free for Students
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $10,000
- e-Transfer Fee
- Free
- Free ATM Access
- RBC ATM
- NSF Fee
- $10.00
- Interest Rate
- 0.00%
$12.95 per month otherwise
This limit may vary depending on the client profile.
About this account: RBC Advantage Banking is a chequing account designed for customers who make frequent transactions. It includes unlimited debit transactions in Canada, unlimited Interac e-Transfers, and waives RBC’s fee for withdrawals at non-RBC ATMs in Canada. Third-party ATM operator surcharges still apply. Eligible clients can also receive a partial or full monthly fee rebate through the RBC Value Program.
Visit RBC’s Account Page
SBI Canada Bank
Free for StudentsAccount: Chequing
- Monthly Fee
- Free for Students
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $3,000
- e-Transfer Fee
- Free
- Free ATM Access
- SBIC ATM; THE EXCHANGE Network
- NSF Fee
- $10.00
- Interest Rate
- 0.00%
$4.00 per month otherwise
This limit may vary depending on the client profile.
About this account: SBI Canada Bank Chequing is a $4-per-month account available in CAD and USD. The fee is waived with a $1,000 minimum end-of-day balance maintained each day, or for seniors, youth, and students. It includes unlimited free in-branch debit transactions and Interac e-Transfers, plus free SBIC and THE EXCHANGE ABM withdrawals on CAD accounts.
Visit SBI Canada Bank’s Account Page
Scotiabank
Free for StudentsAccount: Preferred Package
- Monthly Fee
- Free for Students
- Free Transactions
- Unlimited
- e-Transfer Fee
- Free
- Free ATM Access
- Scotiabank ABM
- NSF Fee
- $10.00
- Interest Rate
- 0.00%
$16.95 per month otherwise
About this account: Scotiabank Preferred Package is a chequing account with unlimited debit transactions and Interac e-Transfers. It waives Scotiabank’s fee for one non-Scotiabank Interac ABM withdrawal in Canada per month, although convenience fees charged by the other bank or ABM operator still apply. It also includes $1.99 Scotia International Money Transfers, Scene+ points on eligible debit purchases, and an ongoing $40 annual fee rebate on eligible Scotiabank credit cards, subject to conditions. The monthly fee is waived when you maintain at least $4,000 in the account every day for the entire month.
Visit Scotiabank’s Account Page
Tandia Credit Union
Free for StudentsAccount: Limitless Plan
- Monthly Fee
- Free for Students
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $3,000
- e-Transfer Fee
- Free
- Free ATM Access
- Tandia ATM; THE EXCHANGE Network
- NSF Fee
- $50.00
- Interest Rate
- 0.00%
$12.95 per month otherwise
This limit may vary depending on the client profile.
About this account: Tandia Limitless Plan is a $12.95-per-month chequing account with unlimited transactions, including withdrawals, transfers, bill payments, cheques, pre-authorized debits, debit purchases, and Interac e-Transfers. Tandia and THE EXCHANGE network ATM withdrawals are also included. The monthly fee is waived by maintaining a minimum monthly balance of $3,000.
Visit Tandia Credit Union’s Account Page
Windsor Family CU
Free for StudentsAccount: Eva Youth Chequing Account
- Monthly Fee
- Free for Youth/Students
- Free Transactions
- Unlimited
- e-Transfer Fee
- Free
- Free ATM Access
- WFCU ATM; ding free® ATM; THE EXCHANGE Network; ACCULINK® Network
- NSF Fee
- $65.00
- Interest Rate
- 0.10%
Transaction limits: E-Transfers are excluded from the transaction limit and is unlimited.
About this account: WFCU Eva Youth Chequing Account is a no-monthly-fee account for members ages 13 to 25. It includes unlimited everyday transactions and Interac e-Transfers, with guardian approval required for debit card access before age 16. Members age 18 and older can also access WFCU’s Payroll Advance feature.
Visit Windsor Family CU’s Account PageWindsor Family CU
Free for StudentsAccount: Youth
- Monthly Fee
- Free for Youth/Students
- Free Transactions
- Unlimited
- e-Transfer Fee
- Free
- Free ATM Access
- WFCU ATM; THE EXCHANGE Network
- Interest Rate
- 0.10%
Transaction limits: E-Transfers are excluded from the transaction limit and is unlimited.
Your Neighbourhood CU
Free for StudentsAccount: Simply Starter Chequing
- Monthly Fee
- Free for Youth/Students
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $10,000
- e-Transfer Fee
- Free
- Free ATM Access
- YNCU ATM; THE EXCHANGE Network
- NSF Fee
- $10.00
- Mobile Banking
- Digital-First
- Interest Rate
- 0.00%
This limit may vary depending on the client profile.
Transaction limits: E-Transfers are excluded from the transaction limit and is unlimited.
About this account: YNCU Simply Starter Chequing is a no-monthly-fee account for members age 25 and under, with unlimited self-serve transactions and Interac e-Transfers. Beginning at age 26, the account has a $6.95 monthly fee. In-branch transactions are charged separately rather than being included with the unlimited self-serve transactions.
Visit Your Neighbourhood CU’s Account Page
Alterna Bank
Free for EveryoneAccount: No-Fee eChequing Account
- Monthly Fee
- Free
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $3,000
- e-Transfer Fee
- Free
- Free ATM Access
- Alterna ATM; THE EXCHANGE Network
- NSF Fee
- $10.00
- Mobile Banking
- Digital-First
This limit may vary depending on the client profile.
About this account: Alterna Bank No-Fee eChequing Account is a no-monthly-fee, online-only chequing account with no minimum balance and unlimited day-to-day transactions and Interac e-Transfers. It earns 0.05% interest and includes surcharge-free access to 3,300+ THE EXCHANGE ATMs in Canada and 40,000 Allpoint ATMs in the U.S. Optional overdraft protection is available.
Visit Alterna Bank’s Account Page
Buduchnist CU (BCU)
Free for EveryoneAccount: Regular Chequing Account
- Monthly Fee
- Free
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $5,000
- e-Transfer Fee
- Free
- Free ATM Access
- BCU ATM; ding free® ATM; THE EXCHANGE Network; ACCULINK® Network
- NSF Fee
- $40.00
- Interest Rate
- 0.00%
This limit may vary depending on the client profile.
Transaction limits: E-Transfers are excluded from the transaction limit and is unlimited.
About this account: BCU Regular Chequing Account is a no-monthly-fee chequing account with no minimum balance requirement and unlimited chequing privileges. Sending and receiving Interac e-Transfers, cheque deposits, online bill payments, and all transactions at BCU and The Exchange Network ATMs are free. A BCU Member debit card is included with the account.
Visit Buduchnist CU (BCU)’s Account PageCoast Capital
Free for EveryoneAccount: Free Chequing, Free Debit, and More Account
- Monthly Fee
- Free
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $3,000
- e-Transfer Fee
- Free
- Free ATM Access
- Coast Capital ATM; ding free® ATM; THE EXCHANGE Network; ACCULINK® Network
- NSF Fee
- $10.00
- Interest Rate
- 0.00%
This limit may vary depending on the client profile.
Transaction limits: Interac e-Transfers do not count toward the transaction limit.
About this account: Coast Capital Free Chequing, Free Debit, and More Account is a no-monthly-fee chequing account with no minimum balance requirement and unlimited day-to-day transactions. It includes free withdrawals at Coast Capital and THE EXCHANGE ATMs and free incoming Interac e-Transfers, while sending an Interac e-Transfer costs $1.50.
Visit Coast Capital’s Account Page
EQ Bank
Free for EveryoneAccount: Personal Account
- Monthly Fee
- Free
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $5,000
- e-Transfer Fee
- Free
- Free ATM Access
- Any ATM in Canada; 5 fee rebates/month (up to $5 each)
- NSF Fee
- $0.00
- Mobile Banking
- Digital-First
- Interest Rate
- 1.00%
This limit may vary depending on the client profile.
About this account: EQ Bank Personal Account is a no-monthly-fee, fully digital account with no minimum balance and unlimited everyday transactions. It earns 1.00% base interest, increasing to 2.75% with qualifying recurring direct deposits of at least $2,000 per month. Cheque writing, bank drafts, cash deposits, and in-branch service are unavailable.
Visit EQ Bank’s Account Page
Frontline Credit Union
Free for EveryoneAccount: E-Chequing
- Monthly Fee
- Free
- Free Transactions
- Unlimited
- e-Transfer Fee
- Free
- Free ATM Access
- Frontline ATM; ding free® ATM; THE EXCHANGE Network; ACCULINK® Network
- NSF Fee
- $35.00
- Mobile Banking
- Digital-First
About this account: Frontline Credit Union E-Chequing is a no-monthly-fee chequing account requiring direct deposit, with unlimited online, mobile, point-of-sale, pre-authorized debit and credit, online bill payment, and EXCHANGE Network ATM transactions. It includes free e-statements and the first 100 personalized cheques. In-branch and telephone transactions are subject to separate fees.
Visit Frontline Credit Union’s Account Page
IC Savings & Credit Union
Free for EveryoneAccount: Perfetto.
- Monthly Fee
- Free
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $10,000
- e-Transfer Fee
- Free
- Free ATM Access
- IC Savings ATM; ding free® ATM; THE EXCHANGE Network; ACCULINK® Network
- NSF Fee
- $45.00
- Interest Rate
- 0.45%
This limit may vary depending on the client profile.
Transaction limits: E-Transfers are excluded from the transaction limit and is unlimited.
About this account: IC Savings & Credit Union Perfetto. is a no-monthly-fee combined savings and chequing account with no minimum balance requirement. It earns interest calculated daily and paid monthly and includes unlimited free day-to-day transactions, including Interac e-Transfers. Deposit Anywhere mobile cheque deposits are free, and an optional line of credit is available subject to approval.
Visit IC Savings & Credit Union’s Account Page
Innovation Federal CU
Free for EveryoneAccount: No-Fee Chequing Account
- Monthly Fee
- Free
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $20,000
- e-Transfer Fee
- Free
- Free ATM Access
- Innovation ATM; ACCULINK® Network
- NSF Fee
- $0.00
- Interest Rate
- 0.00%
This limit may vary depending on the client profile.
Transaction limits: E-Transfers are excluded from the transaction limit and is unlimited.
About this account: Innovation Federal Credit Union No-Fee Chequing Account has no monthly fee or minimum balance requirement and includes unlimited transactions and Interac e-Transfers. Members can choose a free Debit Mastercard for online, in-store, and international purchases, with access to surcharge-free ding-free ATMs across Canada. New members are required to purchase a $5 membership share.
Visit Innovation Federal CU’s Account PageKEB Hana Bank Canada
Free for EveryoneAccount: 1Q Chequing
- Monthly Fee
- Free
- Free Transactions
- Unlimited
- e-Transfer Fee
- Free
- Free ATM Access
- Hana Bank ATM; THE EXCHANGE Network
- NSF Fee
- $10.00
- Mobile Banking
- Digital-First
- Interest Rate
- 0.10%
About this account: KEB Hana Bank Canada 1Q Chequing is a no-monthly-fee, online-only chequing account with no minimum balance and is unavailable in Quebec. It includes fee-free cash withdrawals at THE EXCHANGE Network ATMs, Interac e-Transfers, bill payments, international transfers, and transfers to other bank accounts. It can be opened online or through the mobile app.
Visit KEB Hana Bank Canada’s Account Page
Luminus Financial Services and CU
Free for EveryoneAccount: Infinite Chequing Account
- Monthly Fee
- Free
- Free Transactions
- Unlimited
- e-Transfer Fee
- Free
- Free ATM Access
- Luminus ATM; THE EXCHANGE Network
- NSF Fee
- $10.00
About this account: Luminus Financial Infinite Chequing Account is a no-monthly-fee chequing account with no minimum balance and fee-free transactions, requiring full payroll or pension deposit. Qualifying members can receive overdraft protection based on their deposit. MEMBER CARD purchases include 120-day buyer protection and extended warranty coverage. Members age 25 and under have no payroll requirement.
Visit Luminus Financial Services and CU’s Account Page
Motor City Community CU
Free for EveryoneAccount: FreeFlex Account
- Monthly Fee
- Free
- Free Transactions
- Unlimited
- e-Transfer Fee
- Free
- Free ATM Access
- MCCCU ATM; ding free® ATM; THE EXCHANGE Network; ACCULINK® Network
- NSF Fee
- $50.00
- Interest Rate
- 0.00%
About this account: Motor City Community Credit Union Limited FreeFlex Account is a no-monthly-fee chequing account with no minimum balance requirement and unlimited debit transactions. It includes free online and in-branch bill payments, mobile and internet banking, Deposit Anywhere mobile cheque deposits, and unlimited surcharge-free transactions at more than 3,700 ATMs nationwide.
Visit Motor City Community CU’s Account Page
Moya Financial CU
Free for EveryoneAccount: No-Fee Chequing Account
- Monthly Fee
- Free
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $10,000
- e-Transfer Fee
- Free
- Free ATM Access
- Moya ATM; ding free® ATM; THE EXCHANGE Network; ACCULINK® Network
- NSF Fee
- $50.00
- Interest Rate
- 0.00%
This limit may vary depending on the client profile.
About this account: Moya Financial No-Fee Chequing Account is a no-monthly-fee chequing account with no minimum balance requirement and no standard transaction charges. It includes unlimited free deposits, withdrawals, transfers, cheque clearing, debit card transactions, online bill payments, and Interac e-Transfers. Members also receive free access to more than 4,500 Ding-Free ATMs across Canada.
Visit Moya Financial CU’s Account Page
Neo Financial
Free for EveryoneAccount: Neo Chequing
- Monthly Fee
- Free
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $10,000
- e-Transfer Fee
- Free
- NSF Fee
- $0.00
- Mobile Banking
- Digital-First
- Interest Rate
- 0.10%
This limit may vary depending on the client profile.
About this account: Neo Chequing is a no-monthly-fee, digital chequing account with $0 NSF fees and 1% cashback on eligible gas and grocery purchases with the Neo Money card. It includes Interac e-Transfers, bill payments, pre-authorized debits, real-time spending categorization, and budgeting tools. Joint accounts include 2 Neo Money cards, with each co-owner earning cashback.
Visit Neo Financial’s Account Page
Parama Credit Union
Free for EveryoneAccount: Everyday Chequing Account
- Monthly Fee
- Free
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $10,000
- e-Transfer Fee
- Free
- Free ATM Access
- Parama ATM; THE EXCHANGE Network
- NSF Fee
- $45.00
- Interest Rate
- 0.25%
This limit may vary depending on the client profile.
About this account: Parama Credit Union Limited Everyday Chequing Account is a no-monthly-fee chequing account with tiered interest calculated daily and paid monthly. Deposits, withdrawals, cheque transactions, Interac e-Transfers, and debit card purchases are free and unlimited. It also includes 100 free pre-printed personal cheques, Deposit Anywhere, and free Exchange Network ATM transactions.
Visit Parama Credit Union’s Account PagePathwise Credit Union
Free for EveryoneAccount: Essential Chequing
- Monthly Fee
- Free
- Free Transactions
- 10
- e-Transfer Fee
- Free
- Free ATM Access
- Pathwise ATM; ding free® ATM; THE EXCHANGE Network; ACCULINK® Network
- NSF Fee
- $45.00
- Interest Rate
- 0.00%
About this account: Pathwise Credit Union Essential Chequing is a no-monthly-fee chequing account with no minimum balance requirement and tiered interest. It includes 10 free debit transactions per month, with additional debit transactions costing $1 each. Bill payments cost $1.50 each. Interest is paid at 0.10% on balances of $3,000 or more.
Visit Pathwise Credit Union’s Account Page
PC Financial
Free for EveryoneAccount: PC Money™ Account
- Monthly Fee
- Free
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $50,000
- e-Transfer Fee
- Free
- Free ATM Access
- PC Financial ATM
- NSF Fee
- $10.00
- Mobile Banking
- Digital-First
- Interest Rate
- 2.20%
This limit may vary depending on the client profile.
About this account: PC Financial PC Money™ Account is a no-monthly-fee, digital-first bank account with no minimum balance and unlimited everyday transactions and Interac e-Transfers. It earns PC Optimum points on eligible purchases and bill payments, has no foreign exchange transaction fees, and includes an optional interest-bearing savings feature. Cheques cannot be written or deposited.
Visit PC Financial’s Account Page
Simplii Financial
Free for EveryoneAccount: No Fee Chequing Account
- Monthly Fee
- Free
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $3,000
- e-Transfer Fee
- Free
- Free ATM Access
- CIBC ATM
- NSF Fee
- $10.00
- Mobile Banking
- Digital-First
- Interest Rate
- 0.01%
This limit may vary depending on the client profile.
About this account: Simplii Financial No Fee Chequing Account is a no-monthly-fee, digital-only chequing account with no minimum balance and unlimited debit purchases, bill payments, withdrawals, and Interac e-Transfers. It includes free access to over 3,400 CIBC ATMs across Canada, pays tiered interest, and offers optional overdraft protection with limits up to $5,000.
Visit Simplii Financial’s Account Page
Sudbury Credit Union
Free for EveryoneAccount: No Fee Account
- Monthly Fee
- Free
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $3,000
- e-Transfer Fee
- Free
- Free ATM Access
- Sudbury ATM; ding free® ATM; THE EXCHANGE Network; ACCULINK® Network
- NSF Fee
- $60.00
- Interest Rate
- 0.00%
This limit may vary depending on the client profile.
About this account: SCU No Fee Account is a no-monthly-fee chequing account with unlimited free deposits, withdrawals, bill payments, pre-authorized payments, cheque clearing, debit purchases, and ATM transactions at SCU and The Exchange Network ATMs. It includes free Deposit Anywhere cheque deposits and online and mobile banking, with benefits for youth, students, and seniors.
Visit Sudbury Credit Union’s Account Page
Tangerine
Free for EveryoneAccount: No-fee daily Chequing Account
- Monthly Fee
- Free
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $3,000
- e-Transfer Fee
- Free
- Free ATM Access
- Scotiabank ABM
- NSF Fee
- $10.00
- Mobile Banking
- Digital-First
- Interest Rate
- 0.00%
This limit may vary depending on the client profile.
About this account: Tangerine No-Fee Daily Chequing Account is a no-monthly-fee account from a digital bank with no physical branches. It has no minimum balance and unlimited debit purchases, bill payments, pre-authorized transactions, and Interac e-Transfers. It pays tiered interest and includes access to 3,500+ Scotiabank ABMs nationwide and 44,000 Global ATM Alliance ABMs worldwide.
Visit Tangerine’s Account Page
Ukrainian Credit Union
Free for EveryoneAccount: Personal Chequing Account
- Monthly Fee
- Free
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $25,000
- e-Transfer Fee
- Free
- Free ATM Access
- UCU ATM; ding free® ATM; THE EXCHANGE Network; ACCULINK® Network
- NSF Fee
- $45.00
- Interest Rate
- 0.00%
This limit may vary depending on the client profile.
About this account: Ukrainian Credit Union Personal Chequing Account is a no-monthly-fee chequing account with no minimum balance requirement and access through branches, online banking, and the mobile app. The first 50 personalized cheques are free. Interac e-Transfers cost $1.50 to send and are free to receive, while debit card purchases cost $0.50 each.
Visit Ukrainian Credit Union’s Account PageUkrainian Credit Union
Free for EveryoneAccount: ucublu too Virtual Chequing
- Monthly Fee
- Free
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $25,000
- e-Transfer Fee
- Free
- Free ATM Access
- UCU ATM; THE EXCHANGE® Network
- Interest Rate
- 0.05%
This limit may vary depending on the client profile.
Wealthsimple
Free for EveryoneAccount: Chequing account
- Monthly Fee
- Free
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $5,000
- e-Transfer Fee
- Free
- Free ATM Access
- Any ATM worldwide
- Mobile Banking
- Digital-First
- Interest Rate
- 1.25%
This limit may vary depending on the client profile.
About this account: Wealthsimple Chequing is a no-monthly-fee, branchless account with no minimum balance. It pays 1.25% for Core, 1.75% for Premium, and 2.25% for Generation clients. Core and Premium clients can add 0.5% by direct depositing at least $2,000 within 30 days. It includes a prepaid Mastercard, no foreign-exchange fees, and reimbursed ATM fees worldwide.
Visit Wealthsimple’s Account PageYour Neighbourhood CU
Free for EveryoneAccount: Simply Free Chequing
- Monthly Fee
- Free
- Free Transactions
- 12
- Max e-Transfer / Day
- $10,000
- e-Transfer Fee
- Free
- Free ATM Access
- YNCU ATM; THE EXCHANGE Network
- NSF Fee
- $10.00
- Mobile Banking
- Digital-First
- Interest Rate
- 0.00%
This limit may vary depending on the client profile.
Transaction limits: E-Transfers are excluded from the transaction limit and is unlimited.
About this account: YNCU Simply Free Chequing is a no-monthly-fee account with 12 included self-serve transactions per month and unlimited Interac e-Transfers. Additional self-serve and most in-branch transactions cost $1.25 each. The account also includes MemberCard Buyer Protection and Extended Warranty coverage with an eligible debit card.
Visit Your Neighbourhood CU’s Account Page
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