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Fee Per Basic Return
$0
Free Version Available?
Yes
Import Prior Year Data?
Yes
Accuracy Guarantee
Yes
5.0 Genius Rating
0.0 (0) User Reviews

As one of the most recognized names in the tax industry, H&R Block provides one of the best tax software products in Canada on top of its in-branch services. With accuracy guarantees, one-on-one attention available from tax professionals at physical offices or online, and options for each price bracket (including free!), H&R Block seems to have thought of everything.

Pros
  • Well-established and trusted industry name
  • In-person, online, and drop-off filing options
  • Clear, step-by-step instructions
  • Ability to save your progress and return later.
  • Access to seasoned tax professionals
  • Free and paid services available
  • Specific package designed for self-employed individuals
Cons
  • Limited free support
  • Free version is quite basic
Provinces
ALL
Eligibility
See Issuer for Details
Why You Want It
Save 25% on your tax filing through moneyGenius.
Special Features
  • File online or in-person
  • Accuracy guarantee
  • Self-employed tax package
Fee Per Basic Return
$0
Free Version Available?
Yes
Requirements For Free Version
See Issuer for Details
Import Prior Year Data?
Yes
Import Prior Year Data From Another App?
Yes
Free Support Available?
Yes
Accuracy Guarantee
Yes
Mobile App?
Yes
Access To Tax Expert
Yes
 
Term Life Insurance
Yes
Terms Available
  • 10 years
  • 20 years
  • 30 years
Permanent Life Insurance
Yes
Guaranteed Acceptance Life Insurance
Yes
1.9 Genius Rating
0.0 (0) User Reviews

Serenia Life Financial offers flexible and affordable life insurance options. As a member-based organization, Serenia Life Financial provides its more than 33,000 members with valuable products, unique benefits, and investment opportunities.

Pros
  • Offers term and permanent life insurance options
  • Easily convertible
  • Impressive list of valuable member benefits
  • Bereavement counselling for beneficiaries
  • Save up to $500 on first year life insurance payments
Cons
  • Not available Canada-wide
  • Few term lengths to choose from
Provinces
BC, AB, SK, MB, ON
Eligibility
  • Between the ages of 18 and 70
  • Canadian citizen
Why You Want It
10, 20, 30, and 100-year term length options + Valuable member benefits.
Special Features
  • Get a quote online
  • Unique member benefits
  • Bereavement counselling and resources for beneficiaries
  • Members receive a portion of profits in the form of member benefits
  • Term to 100
  • Annuities
Term Life Insurance
Yes
Terms Available
  • 10 years
  • 20 years
  • 30 years
Permanent Life Insurance
Yes
Guaranteed Acceptance Life Insurance
Yes
Universal Life Insurance
No
 
Self-Directed Available
Yes
GICs Available
Yes
Mutual Funds Available
Yes
Savings Account Available
No
5.0 Genius Rating
1.0 (1) User Reviews

Trading platform Qtrade now offers their own version of an FHSA, and from the get go, it’s clearly aimed at investors who prefer to keep a close eye on their money. It allows you to keep stocks, bonds, and other investment products in your FHSA, as well as cash.

Pros
  • Robust self-directed trading and investing platform
  • Keep a wide variety of investments in your FHSA account
  • Available everywhere in Canada
Cons
  • No interest rate gain
  • Mainly aimed at self-directed investors
Provinces
ALL
Eligibility
  • First-time home buyer
  • Canadian resident
  • 18 years or older
Why You Want It
Trade over 100 ETFs for free.
Special Features
See Issuer for Details
Self-Directed Available
Yes
Self-Directed Platform
Qtrade
Self-Directed Base Fee
$0
GICs Available
Yes
Types of GICs
N/A
Mutual Funds Available
Yes
Average Mutual Fund MER
N/A
Investment PortfoliosAvailable
No
Investment Portfolio Fees
N/A
Savings Account Available
No
Minimum Savings Account Rate
N/A
Maximum Savings Account Rate
N/A
Promotion
N/A
Promotion End Date
N/A
 
Minimum Interest Rate
8.5%
Maximum Interest Rate
8.5%
Balance Required For Maximum Interest Rate
N/A
3.7 Genius Rating
0.0 (0) User Reviews

As savings accounts go, the Canadian Western Bank Summit Savings Account is about as basic as you can get. It has no monthly fee, you can transfer funds freely from this account to other CWB accounts you may already have, and using an EXCHANGE Network ATM is free – kind of.

Pros
Cons
Provinces
AB, BC, MB, NB, NL, NU, NT, NS, ON, PE, SK, YT
Eligibility
See Issuer for Details
Why You Want It
Earn 8.5% interest + Free transfers and EXCHANGE Network ATM withdrawals.
Special Features
See Issuer for Details
# Of Free Transactions
0
# Of Free Interac E-Transfers
0
Max Promotion Rate
N/A
Welcome Bonus Value
N/A
Promo End Date
N/A
 
Minimum Interest Rate
1%
Maximum Interest Rate
3.2%
Balance Required For Maximum Interest Rate
$100,001
3.2 Genius Rating
4.7 (3) User Reviews

Laurentian Bank is a well established financial institution based in Quebec, and the Laurentian Bank High Interest Savings Account is one of its most impressive products. Account holders can enjoy lucrative interest rates with no minimum balance requirements.

Pros
  • Valuable tiered interest rates up to 3.2%
  • No minimum balance requirements to waive fees
  • Auto saving feature
Cons
  • E-Transfer fees
  • Minimum balance to earn max interest is on the higher end
  • No branch locations outside of Quebec
Provinces
ALL
Eligibility
  • Be the age of majority in your province
  • Be a Canadian resident
Why You Want It
Earn up to 3.2%* interest on your savings + Earn interest on every dollar.
Special Features
See Issuer for Details
# Of Free Transactions
0
# Of Free Interac E-Transfers
0
Max Promotion Rate
N/A
Welcome Bonus Value
N/A
Promo End Date
N/A
 
Minimum Balance To Waive Fee
N/A
# Of Free Monthly Transactions
0
# Of Free Monthly Interac E-Transfers
0
Monthly Fee
$7.00
2.7 Genius Rating
0.0 (0) User Reviews

For businesses making only a handful of monthly transactions, the RBC Flex Choice Business Account Package offers a valuable way to keep expenses down. For a low monthly fee of $7.00, you'll pay a small fee for each transaction, but the accompanying perks can help you save money.

Pros
Cons
Provinces
ALL
Eligibility
  • Canadian citizen
  • Age of majority
  • Have a business registered in Canada
Why You Want It
$100 GeniusCash + Pay-as-you-go approach to transaction fees + Low monthly fee.
Special Features
  • Unlimited Moneris deposits
  • Fuel savings at Petro-Canada
  • Access to RBC Beyond Banking's support, products, and services
  • Enhanced features on the RBC mobile app specifically for business use
Minimum Balance To Waive Fee
N/A
# Of Free Monthly Transactions
0
# Of Free Monthly Interac E-Transfers
0
Monthly Fee
$7.00
Excess Transaction Fee
$0.75
Excess Interac E-Transfer Fee
$1.50
Maximum Credit Card Annual Fee Waiver
N/A
Maximum Welcome Bonus
$0
Promo End Date
N/A
Physical Locations
Yes
Automatic Budgeting System
No
Minimum Interest Rate
N/A
Earn Rewards On Debit Purchases
Yes
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
$20,000
# Of Free Monthly Transactions
25
# Of Free Monthly Interac E-Transfers
20
Monthly Fee
$20.00
2.4 Genius Rating
0.0 (0) User Reviews

The Scotiabank Select Account For Business Plan A is one of 4 plans available with the Scotiabank Select Account for business. Though it’s the lower tier, Plan A still offers a decent number of free transactions for a small businesses – and the monthly fee can be waived simply by keeping $20,000 in the account at all times.

Pros
  • Ability to waive the monthly fee
  • Easy to change your plan
  • 20 free Interac e-Transfers
  • Includes free cash deposits
Cons
  • Relatively high monthly fee
Provinces
ALL
Eligibility
See Issuer for Details
Why You Want It
A business account with plenty of free transactions and cash deposits
Special Features
  • Easy to switch between Scotiabank Business Plans
  • Four levels to choose from
Minimum Balance To Waive Fee
$20,000
# Of Free Monthly Transactions
25
# Of Free Monthly Interac E-Transfers
20
Monthly Fee
$20.00
Excess Transaction Fee
$1.50
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
No
Other Discounts
No
 
Monthly Fee
$43.96
Number Of Days Per Week Included
6
Available Online
Yes
Pay An Annual Fee For Discount
See Issuer for Details
2.4 Genius Rating
5.0 (1) User Reviews

Founded in 1844, the The Globe and Mail Home Delivery (Monday - Saturday) is a product that embodies how this publication has come a long way from its humble beginnings. What started as a single-sheet newspaper, folded to make 4 pages, is now read by 6 million people each week. Its Report on Business magazine reaches more than 2.5 million readers across print and digital platforms.

Pros
Cons
Provinces
AB, BC, MB, ON, QC, SK
Eligibility
See Issuer for Details
Why You Want It
Get the news right to your fingertips 6 days a week + Complete access to online tools.
Special Features
  • Audio feature to read articles to you
  • Exclusive events, newsletters, tools, and guides
  • Unlimited digital access included
Min Monthly Fee
$43.96
Max Monthly Fee
$43.96
Number Of Days Per Week Included
6
Available Online
Yes
Available In Print
Yes
Pay An Annual Fee For Discount
See Issuer for Details
Current Promo
N/A
Promo End Date
N/A
 
Self-Directed Available
No
GICs Available
Yes
Mutual Funds Available
No
Savings Account Available
Yes
2.6 Genius Rating
0.0 (0) User Reviews

First Home Savings Accounts (FHSAs) promise to make saving for your first home easier by letting you put away up to $40,000 tax free. And EQ Bank FHSA Savings Account promises to help you get there faster by letting you earn up to 1.5% interest on your balance. This stable interest rate is ideal for home buyers who are thinking in the short term.

Pros
  • Earn 1.5% tax free interest on your balance
  • Next-to-no risk investment
  • High-rate EQ Bank FHSA GICs also available
Cons
  • Not available in Quebec
  • No welcome offer
  • You can’t hold any other investments besides GICs
Provinces
AB, BC, MB, NB, NL, NU, NT, NS, ON, PE, SK, YT
Eligibility
  • First-time home buyer
  • Canadian resident (not in Quebec)
  • 18 years or older
Why You Want It
Easily earn 1.5% on your first home savings + Benefit from tax deductions and tax-free growth.
Special Features
See Issuer for Details
Self-Directed Available
No
Self-Directed Platform
N/A
Self-Directed Base Fee
N/A
GICs Available
Yes
Types of GICs
  • Non-Cashable
Mutual Funds Available
No
Average Mutual Fund MER
N/A
Investment PortfoliosAvailable
No
Investment Portfolio Fees
N/A
Savings Account Available
Yes
Minimum Savings Account Rate
1.5%
Maximum Savings Account Rate
1.5%
Promotion
N/A
Promotion End Date
N/A
 
Minimum Balance To Waive Fee
See Issuer for Details
# Of Free Monthly Transactions
Unlimited
# Of Free Monthly Interac E-Transfers
Unlimited
Monthly Fee
$0.00
2.4 Genius Rating
0.0 (0) User Reviews

The Canadian Western Bank Prestige Account is a premium bank account offering unlimited daily transactions, an exclusive credit card, a complimentary wealth planning session, and more from a well-established and trusted banking institution. Account holders also have access to a dedicated CWB Relationship Manager, and more.

Pros
  • Loads of special VIP perks
  • Unlimited transactions
  • Free to use EXCHANGE Network ATMs
  • Free and unlimited Interac e-Transfers
  • Special CWB World Elite Mastercard privileges
Cons
  • Prestigious account with hidden requirements
  • Few physical locations
Provinces
AB, BC, MB, NB, NL, NU, NT, NS, ON, PE, SK, YT
Eligibility
  • Canadian resident
  • Speak to your local banking centre for more eligibility details
Why You Want It
Get a dedicated Relationship Manager + Access to an exclusive credit card.
Special Features
  • Dedicated Relationship Manager
  • Exclusive credit card perks
  • Exclusive investment rates
  • Complimentary CWB Wealth planning session
Minimum Balance To Waive Fee
See Issuer for Details
# 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
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
 

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