Practical Plan Account

Practical Plan Account

From: BMO Bank of Montreal


Annual Interest Rate:This account pays no interest
Requirements:Age Restriction: None
Other Restrictions: None
Fees:Monthly Fee: $4.00[1]
Waived If: Monthly balance of $1500 or more maintained.
Free Transactions: 10 per month
Transaction Fee: $0.60
Other Bank ABM Fee: $1.50
US/Mexico ABM Fee: $3.00
Foreign ABM Fee: $5.00
E-Mail Money Transfers: $1.50
Personal Cheques: Third-party fees apply
Record Keeping:Paperless: Free
Monthly Statement: Free
Bank Book: Free
View Cheques Online: Free
Cheque Image Return: No cheques.
Online:Website: Click here

1 Fee waived for youth, students, and seniors.

Plus Plan Account

Plus Plan Account

From: BMO Bank of Montreal


Annual Interest Rate:This account pays no interest
Requirements:Age Restriction: None
Other Restrictions: None
Fees:Monthly Fee: $4.00[1]
Waived If: Monthly balance of $1500 or more maintained.
Free Transactions: 30 per month
Transaction Fee: $0.60
Other Bank ABM Fee: $1.50
US/Mexico ABM Fee: $3.00
Foreign ABM Fee: $5.00
E-Mail Money Transfers: $1.50[2]
Personal Cheques: Third-party fees apply
Record Keeping:Paperless: Free
Monthly Statement: Free
Bank Book: Free
View Cheques Online: Free
Cheque Image Return: $2.00 per month
Online:Website: Click here

1 Fee waived for youth, students, and seniors.
2 One free E-Mail money transfer per month.

Performance Plan Account

Performance Plan Account

From: BMO Bank of Montreal


Annual Interest Rate:This account pays no interest
Requirements:Age Restriction: None
Other Restrictions: None
Fees:Monthly Fee: $13.95[1]
Waived If: Monthly balance of $2500 or more maintained.
Free Transactions: Unlimited
Transaction Fee: None
Other Bank ABM Fee: $1.50[2]
US/Mexico ABM Fee: $3.00
Foreign ABM Fee: $5.00
E-Mail Money Transfers: $1.50[3]
Personal Cheques: Third-party fees apply
Record Keeping:Paperless: Free
Monthly Statement: Free
Bank Book: Free
View Cheques Online: Free
Cheque Image Return: $2.00 per month
Online:Website: Click here

1 $5.45 for youth and students. Free for seniors.
2 One free non-BMO ABM withdrawal per month.
3 Two free E-Mail money transfers per month.

Premium Plan Account

Premium Plan Account

From: BMO Bank of Montreal


Annual Interest Rate:This account pays no interest
Requirements:Age Restriction: None
Other Restrictions: None
Fees:Monthly Fee: $25.00[1]
Waived If: Monthly balance of $4500 or more maintained.
Free Transactions: Unlimited
Transaction Fee: None
Other Bank ABM Fee: $1.50[2]
US/Mexico ABM Fee: $3.00
Foreign ABM Fee: $5.00
E-Mail Money Transfers: $1.50[3]
Personal Cheques: Free
Record Keeping:Paperless: Free
Monthly Statement: Free
Bank Book: Free
View Cheques Online: Free
Cheque Image Return: Free
Online:Website: Click here

1 $16.50 for youth and students. $11.05 for seniors.
2 Ten free non-BMO ABM withdrawals per month.
3 Two free E-Mail money transfers per month.

Primary Chequing Account

Primary Chequing Account

From: BMO Bank of Montreal


Annual Interest Rate:This account pays no interest
Requirements:Age Restriction: None
Other Restrictions: None
Fees:Monthly Fee: None
Waived If: Monthly balance of $0 or more maintained.
Free Transactions: None
Transaction Fee: $0.60[1]
Other Bank ABM Fee: $1.50
US/Mexico ABM Fee: $3.00
Foreign ABM Fee: $5.00
E-Mail Money Transfers: $1.50
Personal Cheques: Third-party fees apply
Record Keeping:Paperless: Free
Monthly Statement: $1.00 per month
Bank Book: $1.00 per month
View Cheques Online: Free
Cheque Image Return: $2.00 per month
Online:Website: Click here

1 $0.75 each time a cheque is drawn on the account.

Interest Chequing Account

Interest Chequing Account

From: BMO Bank of Montreal


Annual Interest Rate:Less than $25000: 0.050%
$25000 to $59999.99: 0.150%
More than $60000: 0.250%
Requirements:Age Restriction: None
Other Restrictions: None
Fees:Monthly Fee: None
Waived If: Monthly balance of $0 or more maintained.
Free Transactions: None
Transaction Fee: $0.75[1]
Other Bank ABM Fee: $1.50
US/Mexico ABM Fee: $3.00
Foreign ABM Fee: $5.00
E-Mail Money Transfers: $1.50
Personal Cheques: Third-party fees apply
Record Keeping:Paperless: Free
Monthly Statement: $1.00 per month
Bank Book: $1.00 per month
View Cheques Online: Free
Cheque Image Return: $2.00 per month
Online:Website: Click here

1 $0.85 each time a cheque is drawn on the account.

CIBC Unlimited Chequing Account

CIBC Unlimited Chequing Account

From: CIBC


Annual Interest Rate:This account pays no interest
Requirements:Age Restriction: None
Other Restrictions: None
Fees:Monthly Fee: $12.95
Waived If: Never waived
Free Transactions: Unlimited
Transaction Fee: None
Other Bank ABM Fee: $1.50
US/Mexico ABM Fee: $3.00
Foreign ABM Fee: $5.00
E-Mail Money Transfers: $1.50
Personal Cheques: Free
Record Keeping:Paperless: Free
Monthly Statement: Free
Bank Book: Not possible.
View Cheques Online: Free
Cheque Image Return: Free
Online:Website: Click here


CIBC Everyday Chequing Account

CIBC Everyday Chequing Account

From: CIBC


Annual Interest Rate:This account pays no interest
Requirements:Age Restriction: None
Other Restrictions: None
Fees:Monthly Fee: $3.90
Waived If: Monthly balance of $1000 or more maintained.
Free Transactions: 20 per month
Transaction Fee: $0.60[1]
Other Bank ABM Fee: $1.50
US/Mexico ABM Fee: $3.00
Foreign ABM Fee: $5.00
E-Mail Money Transfers: $1.50
Personal Cheques: Third-party fees apply
Record Keeping:Paperless: Free
Monthly Statement: Free
Bank Book: Free
View Cheques Online: Free
Cheque Image Return: $2.50 per month
Online:Website: Click here

1 Waived for students.


CIBC Advantage for Students Account

CIBC Advantage for Students Account

From: CIBC


Annual Interest Rate:This account pays no interest
Requirements:Age Restriction: None
Other Restrictions: Must be a full-time post-secondary student.
Fees:Monthly Fee: None
Waived If: Monthly balance of $0 or more maintained.
Free Transactions: Unlimited
Transaction Fee: None
Other Bank ABM Fee: $1.50
US/Mexico ABM Fee: $3.00
Foreign ABM Fee: $5.00
E-Mail Money Transfers: $1.50
Personal Cheques: Third-party fees apply
Record Keeping:Paperless: Free
Monthly Statement: Free
Bank Book: Free
View Cheques Online: Free
Cheque Image Return: $2.50 per month
Online:Website: Click here


Personal Chequing Account

Personal Chequing Account

From: ICICI Bank Canada


Annual Interest Rate:This account pays no interest
Requirements:Age Restriction: None
Other Restrictions: None
Fees:Monthly Fee: $5.00
Waived If: Monthly balance of $100 or more maintained.
Free Transactions: None
Transaction Fee: $0.75[1]
Other Bank ABM Fee: $0.75
US/Mexico ABM Fee: $0.75
Foreign ABM Fee: $0.75
E-Mail Money Transfers: Not possible.
Personal Cheques: Not available.
Record Keeping:Paperless: Free
Monthly Statement: $5.00 per month
Bank Book: Not possible.
View Cheques Online: $-2.00 per month
Cheque Image Return: $-2.00 per month
Online:Website: Click here

1 $1.50 for in-branch debit transactions. $10.00 to transfer money to another account if currency exchange is involved. $25.00 if it is not.

RBC VIP Banking

RBC VIP Banking

From: Royal Bank


Annual Interest Rate:This account pays no interest
Requirements:Age Restriction: None
Other Restrictions: None
Fees:Monthly Fee: $30.00[1]
Waived If: Never waived
Free Transactions: Unlimited
Transaction Fee: None
Other Bank ABM Fee: $1.50
US/Mexico ABM Fee: $3.00
Foreign ABM Fee: $5.00
E-Mail Money Transfers: $1.50
Personal Cheques: Free
Record Keeping:Paperless: Free
Monthly Statement: Free
Bank Book: Free
View Cheques Online: $1.50 per month[2]
Cheque Image Return: $2.00 per month
Online:Website: Click here

1 22.50 for those 60 or older.
2 Free if using paperless record keeping.

RBC VIP Banking Account

RBC VIP Banking Account

From: Royal Bank


Annual Interest Rate:This account pays no interest
Requirements:Age Restriction: None
Other Restrictions: None
Fees:Monthly Fee: $30.00[1]
Waived If: Never waived
Free Transactions: Unlimited
Transaction Fee: None
Other Bank ABM Fee: $1.50
US/Mexico ABM Fee: $3.00
Foreign ABM Fee: $5.00
E-Mail Money Transfers: $1.50
Personal Cheques: Free
Record Keeping:Paperless: Free
Monthly Statement: Free
Bank Book: Free
View Cheques Online: Free[2]
Cheque Image Return: Free
Online:Website: Click here

1 22.50 for those 60 or older.
2 Free if using paperless record keeping.

RBC Signature No Limit Banking Account

RBC Signature No Limit Banking Account

From: Royal Bank


Annual Interest Rate:This account pays no interest
Requirements:Age Restriction: None
Other Restrictions: None
Fees:Monthly Fee: $13.95
Waived If: Never waived
Free Transactions: Unlimited
Transaction Fee: None
Other Bank ABM Fee: $1.50
US/Mexico ABM Fee: $3.00
Foreign ABM Fee: $5.00
E-Mail Money Transfers: $1.50
Personal Cheques: Free
Record Keeping:Paperless: Free
Monthly Statement: Free
Bank Book: Not possible.
View Cheques Online: Free
Cheque Image Return: Free
Online:Website: Click here


RBC No Limit Banking Account

RBC No Limit Banking Account

From: Royal Bank


Annual Interest Rate:This account pays no interest
Requirements:Age Restriction: None
Other Restrictions: None
Fees:Monthly Fee: $10.95[1]
Waived If: Never waived
Free Transactions: Unlimited
Transaction Fee: None
Other Bank ABM Fee: $1.50
US/Mexico ABM Fee: $3.00
Foreign ABM Fee: $5.00
E-Mail Money Transfers: $1.50
Personal Cheques: Third-party fees apply
Record Keeping:Paperless: Free
Monthly Statement: Free
Bank Book: Not possible.
View Cheques Online: Free
Cheque Image Return: $2.00 per month
Online:Website: Click here

1 6.95 for those 60 or older.

RBC Day to Day Banking Account

RBC Day to Day Banking Account

From: Royal Bank


Annual Interest Rate:This account pays no interest
Requirements:Age Restriction: None
Other Restrictions: None
Fees:Monthly Fee: $4.00[1]
Waived If: Never waived
Free Transactions: 15 per month
Transaction Fee: $0.50
Other Bank ABM Fee: $1.50
US/Mexico ABM Fee: $3.00
Foreign ABM Fee: $5.00
E-Mail Money Transfers: $1.50
Personal Cheques: Third-party fees apply
Record Keeping:Paperless: Free
Monthly Statement: Free
Bank Book: Not possible.
View Cheques Online: Free
Cheque Image Return: $2.00 per month
Online:Website: Click here

1 $0 for those 60 or older.

RBC No Limit Banking for Students Account

RBC No Limit Banking for Students Account

From: Royal Bank


Annual Interest Rate:This account pays no interest
Requirements:Age Restriction: None
Other Restrictions: Must be a full-time post-secondary student.
Fees:Monthly Fee: $10.95
Waived If: Never waived
Free Transactions: Unlimited
Transaction Fee: None
Other Bank ABM Fee: $1.50
US/Mexico ABM Fee: $3.00
Foreign ABM Fee: $5.00
E-Mail Money Transfers: $1.50
Personal Cheques: Third-party fees apply
Record Keeping:Paperless: Free
Monthly Statement: Free
Bank Book: Not possible.
View Cheques Online: Free
Cheque Image Return: $2.00 per month
Online:Website: Click here



RBC Student Banking Account

RBC Student Banking Account

From: Royal Bank


Annual Interest Rate:This account pays no interest
Requirements:Age Restriction: None
Other Restrictions: Must be a full-time post-secondary student.
Fees:Monthly Fee: None
Waived If: Never waived
Free Transactions: 25 per month
Transaction Fee: $0.50
Other Bank ABM Fee: $1.50
US/Mexico ABM Fee: $3.00
Foreign ABM Fee: $5.00
E-Mail Money Transfers: $1.50
Personal Cheques: Third-party fees apply
Record Keeping:Paperless: Free
Monthly Statement: Free
Bank Book: Not possible.
View Cheques Online: Free
Cheque Image Return: $2.00 per month
Online:Website: Click here


Scotia Powerchequing Account

Scotia Powerchequing Account

From: Scotiabank


Annual Interest Rate:Less than $10000: 0.000%
$10000 to $24999.99: 0.025%
More than $25000: 0.050%
Requirements:Age Restriction: None
Other Restrictions: None
Fees:Monthly Fee: $3.95
Waived If: Monthly balance of $2000 or more maintained.
Free Transactions: 15 per month
Transaction Fee: $0.65
Other Bank ABM Fee: $1.50
US/Mexico ABM Fee: $3.00
Foreign ABM Fee: $5.00
E-Mail Money Transfers: $1.50
Personal Cheques: Free
Record Keeping:Paperless: Free
Monthly Statement: Free
Bank Book: Free
View Cheques Online: $1.50 per month[1]
Cheque Image Return: $2.00 per month
Online:Website: Click here

1 Free if using paperless record keeping.

Basic Banking Account

Basic Banking Account

From: Scotiabank


Annual Interest Rate:This account pays no interest
Requirements:Age Restriction: None
Other Restrictions: None
Fees:Monthly Fee: $3.95
Waived If: Never waived
Free Transactions: 12 per month
Transaction Fee: $0.65
Other Bank ABM Fee: $1.50
US/Mexico ABM Fee: $3.00
Foreign ABM Fee: $5.00
E-Mail Money Transfers: $1.50
Personal Cheques: Free
Record Keeping:Paperless: Free
Monthly Statement: Free
Bank Book: $2.00 per month
View Cheques Online: $1.50 per month[1]
Cheque Image Return: $2.00 per month
Online:Website: Click here

1 Free if using paperless record keeping.

Basic Banking Plan Account

Basic Banking Plan Account

From: Scotiabank


Annual Interest Rate:This account pays no interest
Requirements:Age Restriction: None
Other Restrictions: None
Fees:Monthly Fee: $7.00
Waived If: Never waived
Free Transactions: 50 per month
Transaction Fee: $0.65
Other Bank ABM Fee: $1.50
US/Mexico ABM Fee: $3.00
Foreign ABM Fee: $5.00
E-Mail Money Transfers: $1.50
Personal Cheques: Free
Record Keeping:Paperless: Free
Monthly Statement: Free
Bank Book: Free
View Cheques Online: $1.50 per month[1]
Cheque Image Return: $2.00 per month
Online:Website: Click here

1 Free if using paperless record keeping.

Scotia One Account

Scotia One Account

From: Scotiabank


Annual Interest Rate:This account pays no interest
Requirements:Age Restriction: None
Other Restrictions: None
Fees:Monthly Fee: $9.95
Waived If: Never waived
Free Transactions: Unlimited
Transaction Fee: None
Other Bank ABM Fee: $1.50
US/Mexico ABM Fee: $3.00
Foreign ABM Fee: $5.00
E-Mail Money Transfers: $1.50
Personal Cheques: Free
Record Keeping:Paperless: Free
Monthly Statement: Free
Bank Book: Free
View Cheques Online: $1.50 per month[1]
Cheque Image Return: $2.00 per month
Online:Website: Click here

1 Free if using paperless record keeping.

Scotia Value Account

Scotia Value Account

From: Scotiabank


Annual Interest Rate:This account pays no interest
Requirements:Age Restriction: None
Other Restrictions: None
Fees:Monthly Fee: $11.95
Waived If: Never waived
Free Transactions: 50 per month
Transaction Fee: $0.65
Other Bank ABM Fee: $1.50
US/Mexico ABM Fee: $3.00
Foreign ABM Fee: $5.00
E-Mail Money Transfers: $1.50
Personal Cheques: Free
Record Keeping:Paperless: Free
Monthly Statement: Free
Bank Book: Free
View Cheques Online: $1.50 per month[1]
Cheque Image Return: Free
Online:Website: Click here

1 Free if using paperless record keeping.

Student Banking Advantage Plan Account

Student Banking Advantage Plan Account

From: Scotiabank


Annual Interest Rate:This account pays no interest
Requirements:Age Restriction: None
Other Restrictions: Must be a full-time post-secondary student.
Fees:Monthly Fee: $1.25
Waived If: Monthly balance of $2000 or more maintained.
Free Transactions: Unlimited
Transaction Fee: None
Other Bank ABM Fee: $1.50
US/Mexico ABM Fee: $3.00
Foreign ABM Fee: $5.00
E-Mail Money Transfers: $1.50
Personal Cheques: Free
Record Keeping:Paperless: Free
Monthly Statement: Free
Bank Book: Free
View Cheques Online: $1.50 per month[1]
Cheque Image Return: $2.00 per month
Online:Website: Click here

1 Free if using paperless record keeping.

Scotia Plus Account

Scotia Plus Account

From: Scotiabank


Annual Interest Rate:This account pays no interest
Requirements:Age Restriction: 59 years old or older.
Other Restrictions: None
Fees:Monthly Fee: None
Waived If: Monthly balance of $0 or more maintained.
Free Transactions: Unlimited
Transaction Fee: None
Other Bank ABM Fee: $1.50
US/Mexico ABM Fee: $3.00
Foreign ABM Fee: $5.00
E-Mail Money Transfers: $1.50
Personal Cheques: Free
Record Keeping:Paperless: Free
Monthly Statement: Free
Bank Book: Free
View Cheques Online: $1.50 per month[1]
Cheque Image Return: $2.00 per month
Online:Website: Click here

1 Free if using paperless record keeping.


Value Account

Value Account

From: TD Canada Trust


Annual Interest Rate:This account pays no interest
Requirements:Age Restriction: None
Other Restrictions: None
Fees:Monthly Fee: $3.95
Waived If: Monthly balance of $1000 or more maintained.
Free Transactions: 10 per month
Transaction Fee: $0.65
Other Bank ABM Fee: $1.50
US/Mexico ABM Fee: $3.00
Foreign ABM Fee: $5.00
E-Mail Money Transfers: $1.50
Personal Cheques: Third-party fees apply
Record Keeping:Paperless: Free
Monthly Statement: Free
Bank Book: $2.25 per month
View Cheques Online: $1.50 per month[1]
Cheque Image Return: $2.00 per month
Online:Website: Click here

1 Free if using paperless record keeping.

Value Plus Account

Value Plus Account

From: TD Canada Trust


Annual Interest Rate:This account pays no interest
Requirements:Age Restriction: None
Other Restrictions: None
Fees:Monthly Fee: $8.95[1]
Waived If: Monthly balance of $2000 or more maintained.
Free Transactions: 25 per month
Transaction Fee: $0.65
Other Bank ABM Fee: $1.50
US/Mexico ABM Fee: $3.00
Foreign ABM Fee: $5.00
E-Mail Money Transfers: $1.50
Personal Cheques: Third-party fees apply
Record Keeping:Paperless: Free
Monthly Statement: Free
Bank Book: $2.25 per month
View Cheques Online: $1.50 per month[2]
Cheque Image Return: $2.00 per month
Online:Website: Click here

1 No monthly fee for students.
2 Free if using paperless record keeping.

Infinity Account

Infinity Account

From: TD Canada Trust


Annual Interest Rate:This account pays no interest
Requirements:Age Restriction: None
Other Restrictions: None
Fees:Monthly Fee: $12.95
Waived If: Monthly balance of $3000 or more maintained.
Free Transactions: Unlimited
Transaction Fee: None
Other Bank ABM Fee: $1.50
US/Mexico ABM Fee: $3.00
Foreign ABM Fee: $5.00
E-Mail Money Transfers: $1.50
Personal Cheques: Third-party fees apply
Record Keeping:Paperless: Free
Monthly Statement: Free
Bank Book: $2.25 per month
View Cheques Online: $1.50 per month[1]
Cheque Image Return: $2.00 per month
Online:Website: Click here

1 Free if using paperless record keeping.

Select Service Account

Select Service Account

From: TD Canada Trust


Annual Interest Rate:This account pays no interest
Requirements:Age Restriction: None
Other Restrictions: None
Fees:Monthly Fee: $24.95
Waived If: Monthly balance of $5000 or more maintained.
Free Transactions: Unlimited
Transaction Fee: None
Other Bank ABM Fee: None
US/Mexico ABM Fee: None
Foreign ABM Fee: None
E-Mail Money Transfers: $1.50
Personal Cheques: Free
Record Keeping:Paperless: Free
Monthly Statement: Free
Bank Book: Free
View Cheques Online: $1.50 per month[1]
Cheque Image Return: Free
Online:Website: Click here

1 Free if using paperless record keeping.

Plan 60 Account

Plan 60 Account

From: TD Canada Trust


Annual Interest Rate:This account pays no interest
Requirements:Age Restriction: 60 years old or older.
Other Restrictions: None
Fees:Monthly Fee: None
Waived If: Monthly balance of $0 or more maintained.
Free Transactions: Unlimited
Transaction Fee: None
Other Bank ABM Fee: $1.50
US/Mexico ABM Fee: $3.00
Foreign ABM Fee: $5.00
E-Mail Money Transfers: $1.50
Personal Cheques: Free
Record Keeping:Paperless: Free
Monthly Statement: Free
Bank Book: Free
View Cheques Online: $1.50 per month[1]
Cheque Image Return: Free
Online:Website: Click here

1 Free if using paperless record keeping.