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Minimum Balance To Waive Fee
N/A
# Of Free Monthly Transactions
12
# Of Free Monthly Interac E-Transfers
0
Monthly Fee
$3.95
2.9 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
 
Minimum Interest Rate
0.2%
Maximum Interest Rate
0.2%
Balance Required For Maximum Interest Rate
N/A
3.9 Genius Rating
0.0 (0) User Reviews

The RBC NOMI Find & Save account is one of the most unique savings accounts in Canada, taking the idea of automating your savings to the next level thanks to its predictive technology. NOMI will track the cash flow of your RBC chequing account and move over some extra cash it thinks you won't miss to your savings account automatically.

Pros
  • Completely automate your savings
  • Payment protection helps cover upcoming costs
  • Free to move money between your other RBC accounts
Cons
  • Low interest rate of 0.2%
  • Limited access to your money
  • Unable to customize the automatic transfer amount
  • Payment protection doesn't protect against debit purchases
Provinces
ALL
Eligibility
  • Be a resident of Canada
  • Have an RBC chequing account
Why You Want It
Predictive technology funds your savings automatically + Protects against upcoming purchases.
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
Unlimited
# Of Free Monthly Interac E-Transfers
Unlimited
Monthly Fee
$0.00
3.2 Genius Rating
0.0 (0) User Reviews

The CIBC Smart Start Account is a chequing account tailored for Canadians under the age of 25, and its convenient features make it very attractive, especially to students. And since CIBC is one of Canada's big 5 banks, the young account holders can rest assured of their bank's security and reliability.

Pros
  • No monthly fees until age 25
  • Unlimited transactions
  • Free SPC+ membership
  • CIBC Investor's Edge trading perks
  • Save up to 10 cents per litre on gas
  • Welcome and referral bonuses
Cons
  • Converts to the CIBC Smart Account at age 25
  • Unaffiliated ATM fees are rather high
Provinces
ALL
Eligibility
  • Under 25 years of age or a parent of a youth under age 13
Why You Want It
Unlimited free transactions until you're 25 + A free SPC+ membership.
Special Features
  • Free SPC+ membership
  • Earn up to $500 each year with referrals
  • Save on gas with Journie Rewards
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
See Issuer for Details
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
$31.96
Number Of Days Per Week Included
1
Available Online
Yes
Pay An Annual Fee For Discount
No
2.2 Genius Rating
5.0 (1) User Reviews

A time-honoured staple of Canadian journalism, The Globe And Mail Home Delivery (Saturday Only) provides you with the physical iteration of one of the nation's favourite newspapers. Founded in 1844 by George McCullah, this paper has seen incredible growth and now reaches approximately 6 million readers weekly. These readers have a range of top-quality articles to choose from, including Canadian and international business, political, sports, and personal finance news, just to name a few areas of coverage.

Pros
Cons
Provinces
AB, BC, MB, ON, QC, SK
Eligibility
See Issuer for Details
Why You Want It
Get Canada's most-read newspaper straight to your door + Oodles of digital perks.
Special Features
  • Unlimited digital access included
  • Exclusive events, newsletters, tools, and guides
  • Audio feature to read articles to you
Min Monthly Fee
$31.96
Max Monthly Fee
$31.96
Number Of Days Per Week Included
1
Available Online
Yes
Available In Print
Yes
Pay An Annual Fee For Discount
No
Current Promo
N/A
Promo End Date
N/A
 
Minimum Interest Rate
2.4%
Maximum Interest Rate
2.4%
Balance Required For Maximum Interest Rate
$0
2.7 Genius Rating
0.0 (0) User Reviews

The Canadian Tire High Interest Savings Account makes it easy to grow your money with a competitive 2.4% interest rate, no minimum balance requirements, and no monthly fees. You’ll also get unlimited transfers between Canadian Tire accounts through the Triangle app, giving you a straightforward and flexible way to stay on top of your finances.

Pros
  • Earns an impressive interest rate
  • Unlimited transfers between Canadian Tire accounts
  • No monthly fees or minimum balance required
Cons
  • No extra perks or benefits available
  • Limited customer service options available
  • Not available for residents of Quebec
Provinces
AB, BC, MB, NB, NL, NU, NT, NS, ON, PE, SK, YT
Eligibility
  • Age of majority
Why You Want It
Earn an interest rate of 2.4% + Make withdrawals anytime you need.
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
0.01%
Maximum Interest Rate
0.01%
Balance Required For Maximum Interest Rate
$0
3.8 Genius Rating
0.0 (0) User Reviews

If you’re someone who doesn’t need to make a lot of transactions throughout the month and wants a simple way to save, the TD Every Day Savings Account could be a great option for you. TD Every Day Savings Account holders earn interest on every dollar for no monthly fee, and the account includes one free transaction per month. Additionally, it offers the convenience of free unlimited transfers between TD accounts, making it easy to use this account for savings and a chequing account for day-to-day banking.

Pros
  • Free to have this account
  • No fees to transfer to other TD accounts
  • Earn 0.01% interest on your savings
Cons
  • Only one free transaction per month
  • Fees for additional transactions and ATM use
  • Low interest rate that doesn’t increase with tiers
Provinces
ALL
Eligibility
See Issuer for Details
Why You Want It
Unlimited transfers to another TD account + Automated savings feature.
Special Features
  • Automated savings feature
  • Free transfers to other TD accounts
# Of Free Transactions
1
# Of Free Interac E-Transfers
N/A
Max Promotion Rate
N/A
Welcome Bonus Value
N/A
Promo End Date
N/A
 
Term Life Insurance
Yes
Terms Available
  • 10 years
  • 15 years
  • 20 years
  • 25 years
  • 30 years
  • 35 years
  • 40 years
  • 50 years
Permanent Life Insurance
Yes
Guaranteed Acceptance Life Insurance
Yes
4.8 Genius Rating
0.0 (0) User Reviews

Based in Vancouver, Lions Peak Insurance is a life insurance broker that works with well recognized names like Sun Life, Manulife, Desjardins, and more. Lions Peak Insurance can help set you up with a life insurance policy tailored to your unique needs.

Pros
  • Plenty of term lengths to choose from
  • Plenty of other services available
  • Multiple channels to contact customer service
Cons
  • No guaranteed acceptance or universal life insurance options
  • Online only means no in-person assistance
Provinces
ALL
Eligibility
See Issuer for Details
Why You Want It
8 life term insurance lengths + Very responsive customer service.
Special Features
  • Wide range of services available
  • Available Canada-wide
Term Life Insurance
Yes
Terms Available
  • 10 years
  • 15 years
  • 20 years
  • 25 years
  • 30 years
  • 35 years
  • 40 years
  • 50 years
Permanent Life Insurance
Yes
Guaranteed Acceptance Life Insurance
Yes
Universal Life Insurance
Yes
 
Minimum Balance To Waive Fee
$5,000
# Of Free Monthly Transactions
Unlimited
# Of Free Monthly Interac E-Transfers
Unlimited
Monthly Fee
$30.95
4.0 Genius Rating
0.0 (0) User Reviews

The TD All-Inclusive Banking Plan offers a rich set of benefits in exchange for a $30.95 monthly fee, which is waived when a $5,000 daily balance is maintained throughout the month. Account holders can enjoy unlimited transactions, no fees for TD or non-TD ATMs, rebates on the annual fee for select TD credit cards, and the opportunity to earn bonuses from partners like Starbucks.

Pros
  • Generous welcome bonus
  • Unlimited transactions and Interac e-Transfers
  • Free safety deposit box, cheques, and money orders
  • Rebate on select TD credit cards
  • Free ATM use (both TD and non-TD ATMs)
Cons
  • High minimum balance to waive the monthly fee
  • No rewards program or valuable perks
  • No savings on international money transfers
Provinces
ALL
Eligibility
  • Age of majority
Why You Want It
Unlimited transactions + No ATM fees anywhere in the world.
Special Features
  • TD Fraud Alerts
  • No ATM fees
  • Automatic savings transfers
  • Free personalized cheques, money orders, and certified cheques
Minimum Balance To Waive Fee
$5,000
# Of Free Monthly Transactions
Unlimited
# Of Free Monthly Interac E-Transfers
Unlimited
Monthly Fee
$30.95
Excess Transaction Fee
N/A
Excess Interac E-Transfer Fee
N/A
Maximum Credit Card Annual Fee Waiver
$139
Maximum Welcome Bonus
$450
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
Yes
Free Bank Drafts
No
Max Rebates For Other Accounts
$1
Discounts For Seniors
Yes
Discounts For Youth
No
Other Discounts
No
 
Minimum Interest Rate
2.25%
Maximum Interest Rate
3%
Balance Required For Maximum Interest Rate
$20,000
3.7 Genius Rating
4.0 (13) User Reviews

The Neo Savings Account is Neo’s high-interest savings account (HISA), an easy option for Canadians looking for an account with generous interest rates on all deposits. Plus, Neo doesn't charge any fees, which makes this account an excellent choice regardless of your savings experience or financial knowledge.

Pros
  • Impressive 3% interest rate
  • Up to $650 in welcome bonus
  • No monthly fees or minimum deposit requirements
  • Personalized goal-tracking tool
  • Earn more interest and rewards with a Neo Membership
  • Customizable account name and icons
Cons
  • Hard to access your money
  • No welcome bonus offered
Provinces
ALL
Eligibility
See Issuer for Details
Why You Want It
$50 GeniusCash + Earn 2.25% - 3% interest + No monthly fees.
Special Features
  • No monthly fees or minimum deposit required
  • Personalized saving goals to keep you organized and on-track
  • Track your goals in real-time
# Of Free Transactions
N/A
# Of Free Interac E-Transfers
N/A
Max Promotion Rate
N/A
Welcome Bonus Value
N/A
Promo End Date
N/A
 

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