Earn the most rewards on your spending with the NEW GeniusCash app

Financial Product Reviews

Rewards
Filter By Type
Availability By Province
Filter By Company
Sort By
Minimum Balance To Waive Fee
$3,000
# Of Free Monthly Transactions
Unlimited
# Of Free Monthly Interac E-Transfers
Unlimited
Monthly Fee
$14.25
2.2 Genius Rating
0.0 (0) User Reviews

The Canadian Western Bank Apex Account is a chequing account with a palatable fee with all you need in an everyday account. This will unlock access to unlimited transactions and Interac e-Transfers, as well as a way to waive the $14.25 monthly fee.

Pros
  • Unlimited free transfers included
  • Free Interac e-Transfers
  • A chance at a monthly fee waiver
Cons
  • No other real perks
  • No welcome bonus
  • Not available in Quebec
Provinces
AB, BC, MB, NB, NL, NU, NT, NS, ON, PE, SK, YT
Eligibility
  • Resident of Canada
  • At least 18 years old
Why You Want It
Get unlimited free transactions + A low monthly fee that can be waived.
Special Features
See Issuer for Details
Minimum Balance To Waive Fee
$3,000
# Of Free Monthly Transactions
Unlimited
# Of Free Monthly Interac E-Transfers
Unlimited
Monthly Fee
$14.25
Excess Transaction Fee
N/A
Excess Interac E-Transfer Fee
N/A
Maximum Credit Card Annual Fee Waiver
N/A
Maximum Welcome Bonus
N/A
Promo End Date
N/A
Physical Locations
Yes
Automatic Budgeting System
No
Minimum Interest Rate
N/A
Earn Rewards On Debit Purchases
No
Free Cheques
No
Free Bank Drafts
No
Max Rebates For Other Accounts
N/A
Discounts For Seniors
No
Discounts For Youth
No
Other Discounts
No
 
Minimum Balance To Waive Fee
$3,000
# Of Free Monthly Transactions
20
# Of Free Monthly Interac E-Transfers
N/A
Monthly Fee
$7.50
2.7 Genius Rating
0.0 (0) User Reviews

The Laurentian Bank Preferred Account offers an average banking solution for a monthly fee of $7.50. The monthly fee includes 20 transactions that cover a wide range of financial activities, making it advantageous for users with moderate banking needs.

Pros
  • Free for students
  • Discounted rate for seniors
  • Access to thousands of ATMs in Canada
Cons
  • Limited transactions
  • Fees for additional transactions and e-Transfers
  • Minimum balance to avoid (some) fees
Provinces
ALL
Eligibility
  • Residents of Canada
  • Age of majority
Why You Want It
Discounted fee for seniors and students + 20 monthly transactions.
Special Features
See Issuer for Details
Minimum Balance To Waive Fee
$3,000
# Of Free Monthly Transactions
20
# Of Free Monthly Interac E-Transfers
N/A
Monthly Fee
$7.50
Excess Transaction Fee
$1.25
Excess Interac E-Transfer Fee
$1.00
Maximum Credit Card Annual Fee Waiver
N/A
Maximum Welcome Bonus
N/A
Promo End Date
N/A
Physical Locations
Yes
Automatic Budgeting System
No
Minimum Interest Rate
N/A
Earn Rewards On Debit Purchases
No
Free Cheques
No
Free Bank Drafts
No
Max Rebates For Other Accounts
N/A
Discounts For Seniors
Yes
Discounts For Youth
Yes
Other Discounts
No
 
Minimum Balance To Waive Fee
N/A
# Of Free Monthly Transactions
12
# Of Free Monthly Interac E-Transfers
12
Monthly Fee
$4.00
2.6 Genius Rating
0.0 (0) User Reviews

The CIBC Everyday Chequing Account is a basic, no-frills account offering easy access to your funds at a low monthly fee–just $4.00 a month. This account also features easy access to a large and convenient ATM network, along with a wide array of services available at CIBC branches across the country – all perks of working with one of Canada's largest banks.

Pros
Cons
Provinces
ALL
Eligibility
  • Canadian resident
  • Age of majority in your province
Why You Want It
Access 3,000+ ATMs across Canada + Pay a low monthly fee of $4.00.
Special Features
See Issuer for Details
Minimum Balance To Waive Fee
N/A
# Of Free Monthly Transactions
12
# Of Free Monthly Interac E-Transfers
12
Monthly Fee
$4.00
Excess Transaction Fee
$1.25
Excess Interac E-Transfer Fee
$1.50
Maximum Credit Card Annual Fee Waiver
N/A
Maximum Welcome Bonus
N/A
Promo End Date
N/A
Physical Locations
Yes
Automatic Budgeting System
No
Minimum Interest Rate
N/A
Earn Rewards On Debit Purchases
No
Free Cheques
No
Free Bank Drafts
No
Max Rebates For Other Accounts
N/A
Discounts For Seniors
No
Discounts For Youth
No
Other Discounts
No
 
Minimum Balance To Waive Fee
$3,000
# Of Free Monthly Transactions
25
# Of Free Monthly Interac E-Transfers
Unlimited
Monthly Fee
$11.95
2.9 Genius Rating
0.0 (0) User Reviews

The TD Every Day Chequing Account offers unlimited free Interac e-Transfers, making it simple to send money anytime without worrying about extra charges. TD Bank also adds a little extra flavour by offering bonus Starbucks Rewards, a nice perk for coffee lovers who want to earn more with their day-to-day banking. For a monthly fee of just $11.95, which includes 25 transactions a month plus a seniors discount, this a good choice for your average banking needs.

Pros
Cons
Provinces
ALL
Eligibility
  • Resident of Canada
  • Age of majority
Why You Want It
Unlimited Interac e-Transfers + 50% more Stars at Starbucks.
Special Features
  • Get 50% more Stars at Starbucks.
  • Unlimited free Interac e-Transfers
  • Discount for seniors
Minimum Balance To Waive Fee
$3,000
# Of Free Monthly Transactions
25
# Of Free Monthly Interac E-Transfers
Unlimited
Monthly Fee
$11.95
Excess Transaction Fee
$1.25
Excess Interac E-Transfer Fee
N/A
Maximum Credit Card Annual Fee Waiver
N/A
Maximum Welcome Bonus
N/A
Promo End Date
May 28, 2025
Physical Locations
Yes
Automatic Budgeting System
Yes
Minimum Interest Rate
N/A
Earn Rewards On Debit Purchases
No
Free Cheques
No
Free Bank Drafts
No
Max Rebates For Other Accounts
N/A
Discounts For Seniors
Yes
Discounts For Youth
No
Other Discounts
No
 
Minimum Balance To Waive Fee
N/A
# Of Free Monthly Transactions
Unlimited
# Of Free Monthly Interac E-Transfers
Unlimited
Monthly Fee
$0.00
3.2 Genius Rating
0.0 (0) User Reviews

Bank accounts for kids tend to be pretty bare bones, and pale in comparison with its "adult" counterparts. However, the National Bank Youth Bank Account doesn’t take that approach. It offers free unlimited transactions to youths under the age of 25 with no monthly fee, free access to over 3,000 ABMs, and much more.

Pros
  • Can be opened by youths as young as 14, and as old as 24
  • Next to no fees
  • Users can deposit cheques from their phones
  • Access to balance and transactions in real-time via National Bank App
  • Limitless debit and Interac e-Transfer transactions
Cons
  • Users can only have this account until they turn 25
  • Doesn’t offer many other perks
  • Not as many locations as the Big 5
  • It doesn’t earn any interest
Provinces
ALL
Eligibility
  • Canadian resident
  • Under 25 years old
Why You Want It
Unlimited free Interac e-Transfers + No monthly fees whatsoever.
Special Features
See Issuer for Details
Minimum Balance To Waive Fee
N/A
# Of Free Monthly Transactions
Unlimited
# Of Free Monthly Interac E-Transfers
Unlimited
Monthly Fee
$0.00
Excess Transaction Fee
N/A
Excess Interac E-Transfer Fee
N/A
Maximum Credit Card Annual Fee Waiver
N/A
Maximum Welcome Bonus
N/A
Promo End Date
N/A
Physical Locations
Yes
Automatic Budgeting System
Yes
Minimum Interest Rate
N/A
Earn Rewards On Debit Purchases
No
Free Cheques
No
Free Bank Drafts
No
Max Rebates For Other Accounts
N/A
Discounts For Seniors
No
Discounts For Youth
No
Other Discounts
No
 
Minimum Balance To Waive Fee
N/A
# Of Free Monthly Transactions
4
# Of Free Monthly Interac E-Transfers
N/A
Monthly Fee
$0.00
2.7 Genius Rating
0.0 (0) User Reviews

The Laurentian Bank 65+ Plan is a very simple and straightforward chequing account designed for seniors who don't do much spending or who prefer to use cash to complete their transactions. While clearly a niche product for those over the age of 65+ living in Quebec, this account from one of the country's oldest banking institutions still has excellent value for its target clients.

Pros
  • No monthly fee
  • No minimum balance requirement
  • Access to an extensive ATM system
Cons
  • Limited features overall
  • Only 4 free transactions included
  • Few branches outside of Quebec
Provinces
ALL
Eligibility
  • Be at least 65 years old
Why You Want It
Access 3,000+ ATMs across Canada + Pay a $0 monthly fee.
Special Features
See Issuer for Details
Minimum Balance To Waive Fee
N/A
# Of Free Monthly Transactions
4
# Of Free Monthly Interac E-Transfers
N/A
Monthly Fee
$0.00
Excess Transaction Fee
$1.25
Excess Interac E-Transfer Fee
$1.00
Maximum Credit Card Annual Fee Waiver
N/A
Maximum Welcome Bonus
N/A
Promo End Date
N/A
Physical Locations
Yes
Automatic Budgeting System
No
Minimum Interest Rate
N/A
Earn Rewards On Debit Purchases
No
Free Cheques
No
Free Bank Drafts
No
Max Rebates For Other Accounts
N/A
Discounts For Seniors
Yes
Discounts For Youth
No
Other Discounts
No
 
Minimum Balance To Waive Fee
N/A
# Of Free Monthly Transactions
Unlimited
# Of Free Monthly Interac E-Transfers
Unlimited
Monthly Fee
$0.00
3.2 Genius Rating
0.0 (0) User Reviews

The TD Student Chequing Account provides a budget-friendly banking solution for young people and full-time students. It comes with unlimited transactions, no monthly fees, and even a modest interest rate. New signups can get a welcome bonus of up to $125, along with discounts on trades through TD Direct Investing.

Pros
  • No monthly fee for this account
  • Unlimited transactions and e-Transfers
  • Free overdraft protection
  • Earn 0.01% interest on account balance
  • Earn 50% more Stars at Starbucks
Cons
  • Extra ATM fees
  • Welcome bonus requires a few extra steps
  • Lacking extra perks like CIBC or Scotiabank’s student accounts
Provinces
ALL
Eligibility
  • Be the age of majority in your province or territory
  • Must be under the age of 23 or a full-time student
Why You Want It
Earn up to $125 welcome bonus + Free transactions and e-Transfers.
Special Features
  • Earn 50% more Starbucks stars
  • Free overdraft protection
  • Discounted trades with TD Direct Investing
Minimum Balance To Waive Fee
N/A
# Of Free Monthly Transactions
Unlimited
# Of Free Monthly Interac E-Transfers
Unlimited
Monthly Fee
$0.00
Excess Transaction Fee
N/A
Excess Interac E-Transfer Fee
N/A
Maximum Credit Card Annual Fee Waiver
N/A
Maximum Welcome Bonus
$125
Promo End Date
May 04, 2026
Physical Locations
Yes
Automatic Budgeting System
Yes
Minimum Interest Rate
N/A
Earn Rewards On Debit Purchases
No
Free Cheques
No
Free Bank Drafts
No
Max Rebates For Other Accounts
N/A
Discounts For Seniors
No
Discounts For Youth
No
Other Discounts
No
 
Minimum Balance To Waive Fee
N/A
# Of Free Monthly Transactions
Unlimited
# Of Free Monthly Interac E-Transfers
0
Monthly Fee
$0.00
2.9 Genius Rating
0.0 (0) User Reviews

The Laurentian Bank Youth Plan is a chequing account created for children and teens under the age of 18. With no monthly fee, unlimited debit transactions, and access to a widespread network of ATMs, young Laurentian clients may find significant value in this account.

Pros
  • No monthly fee
  • Unlimited debit transactions
  • Free access to an extensive ATM network
Cons
  • Strange minimum balance requirement
  • No free Interac e-Transfers
  • Can't apply online
  • The future of the account is uncertain
Provinces
ALL
Eligibility
  • Be under 18 years old
  • Be a citizen or resident of Canada
  • Have a valid government-issued ID
Why You Want It
$0 monthly fee + Free use of THE EXCHANGE Network's 3,000+ ATMs.
Special Features
See Issuer for Details
Minimum Balance To Waive Fee
N/A
# Of Free Monthly Transactions
Unlimited
# Of Free Monthly Interac E-Transfers
0
Monthly Fee
$0.00
Excess Transaction Fee
N/A
Excess Interac E-Transfer Fee
$1.00
Maximum Credit Card Annual Fee Waiver
N/A
Maximum Welcome Bonus
N/A
Promo End Date
N/A
Physical Locations
Yes
Automatic Budgeting System
No
Minimum Interest Rate
N/A
Earn Rewards On Debit Purchases
No
Free Cheques
No
Free Bank Drafts
No
Max Rebates For Other Accounts
N/A
Discounts For Seniors
No
Discounts For Youth
Yes
Other Discounts
No
 
Minimum Balance To Waive Fee
N/A
# Of Free Monthly Transactions
12
# Of Free Monthly Interac E-Transfers
0
Monthly Fee
$3.95
2.8 Genius Rating
0.0 (0) User Reviews

The TD Minimum Chequing Account is very well suited for people with minimal banking needs. Notably, seniors over 60 years old who are collecting the Guaranteed Income Supplement (GIS) and Registered Disability Savings Plan (RDSP) beneficiaries can use this account without paying the $3.95 monthly fee.

Pros
  • Free for seniors collecting GIS
  • Free for RDSP beneficiaries
  • Low monthly fee
  • Earn extra Starbucks rewards
Cons
  • Limited amount of transactions
  • Additional transaction and ATM fees
  • No free e-Transfers
Provinces
ALL
Eligibility
  • Age of majority
Why You Want It
12 transactions a month + Free for GIS recipients and RDSP beneficiaries.
Special Features
  • 50% more Stars at participating Starbucks stores
  • Free for RDSP beneficiaries and seniors receiving GIS
Minimum Balance To Waive Fee
N/A
# Of Free Monthly Transactions
12
# Of Free Monthly Interac E-Transfers
0
Monthly Fee
$3.95
Excess Transaction Fee
$1.25
Excess Interac E-Transfer Fee
1
Maximum Credit Card Annual Fee Waiver
N/A
Maximum Welcome Bonus
N/A
Promo End Date
N/A
Physical Locations
Yes
Automatic Budgeting System
Yes
Minimum Interest Rate
N/A
Earn Rewards On Debit Purchases
No
Free Cheques
No
Free Bank Drafts
No
Max Rebates For Other Accounts
N/A
Discounts For Seniors
Yes
Discounts For Youth
No
Other Discounts
Yes
 
Minimum Balance To Waive Fee
$3,000
# Of Free Monthly Transactions
Unlimited
# Of Free Monthly Interac E-Transfers
Unlimited
Monthly Fee
$14.75
3.1 Genius Rating
0.0 (0) User Reviews

The Laurentian Bank Unlimited Account is a reliable and cost-effective chequing account available for all Canadians. With unlimited transactions, a reasonable fee, and plenty of ATMs available, this product can provide the convenience you're looking for in a chequing account.

Pros
  • Unlimited transactions
  • Reasonable monthly fee
  • Lower fees for seniors and students
  • Extensive ATM network
Cons
  • Complicated minimum balance requirement
  • Limited branch access
  • Few freebies or perks
Provinces
ALL
Eligibility
  • Be a Canadian citizen, permanent resident, or landed immigrant
  • Be at least 18 years old
Why You Want It
Unlimited transactions + Discounts for students and seniors.
Special Features
  • Access to the extensive THE EXCHANGE Network of ATMs
  • Reduced monthly fees for students and seniors
Minimum Balance To Waive Fee
$3,000
# Of Free Monthly Transactions
Unlimited
# Of Free Monthly Interac E-Transfers
Unlimited
Monthly Fee
$14.75
Excess Transaction Fee
N/A
Excess Interac E-Transfer Fee
N/A
Maximum Credit Card Annual Fee Waiver
N/A
Maximum Welcome Bonus
N/A
Promo End Date
N/A
Physical Locations
Yes
Automatic Budgeting System
No
Minimum Interest Rate
N/A
Earn Rewards On Debit Purchases
No
Free Cheques
No
Free Bank Drafts
No
Max Rebates For Other Accounts
N/A
Discounts For Seniors
Yes
Discounts For Youth
Yes
Other Discounts
No
 

Top-rated financial products

Credit Card Genius Cash IconGC: $100
Scotiabank Ultimate Package

Scotiabank Ultimate Package

$100 GeniusCash + Get up to a $700* welcome bonus + Up to $150 annual credit card fee waivers.
EQ Bank Personal Account

EQ Bank Personal Account

One of the highest interest rates at 2.75%* + Free Interac e-Transfers.
soNomad

soNomad

Pay 25% less for coverage on average + Get a free, no-commitment quote in minutes.
PolicyMe Dental And Health Insurance

PolicyMe Dental And Health Insurance

Extensive selection of health and dental plans.
Scotiabank TFSA

Scotiabank TFSA

Grow your money tax free + Get plenty of flexibility for your investments.
Wealthsimple managed investing

Wealthsimple managed investing

Get $25 when you open an account and fund it with $1 within 30 days + Set-it-and-forget-it. Legal Disclaimer
Credit Card Genius Cash IconGC: $100
Spring Financial Loans

Spring Financial Loans

$100 GeniusCash + Interest rates as low as 9.99% + No prepayment fees.
Coast Capital Closed Fixed Rate Mortgage

Coast Capital Closed Fixed Rate Mortgage

Rates as low as 3.81%* APR on a high-ratio 5-year fixed mortgage
NordVPN

NordVPN

Get fast, secure VPN access on your device + 30-day money back guarantee.
GeniusCash

GeniusCash

Earn up to $250 in bonus cash back + Level up your money & rewards.
 
Cancel
You can select up to 10 products to compare