{"id":311460,"date":"2026-02-01T02:05:00","date_gmt":"2026-02-01T07:05:00","guid":{"rendered":"https:\/\/milesopedia.com\/news\/best-chequing-accounts-canada\/"},"modified":"2026-04-01T12:35:04","modified_gmt":"2026-04-01T16:35:04","slug":"best-chequing-accounts-canada","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/offres\/comptes-bancaires\/best-chequing-accounts-canada\/","title":{"rendered":"Top 5 Chequing Account Offers &#8211; February 2026"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Here&#8217;s a roundup of the best chequing account offers currently available in Canada this month, chosen from our <a href=\"https:\/\/milesopedia.com\/en\/compare\/chequing-accounts\/\">chequing account comparison tool<\/a>:<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare-simple'\n\t\t\t\tdata-post_type='bank_account'\n\t\t\t\tdata-per_page='6'\n\t\t\t\tclass='deferred_container--preload container_bank_account container_template--compare-simple container_count--5 container_count--lots'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"bank_account_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"368907,368903,368871,368868,368877\"\n\t\t\t\t\t\t\t>\n\t\t\n\t<div class=\"card card-list card-list-header\">\n\t\t<div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n\t<\/div>\n\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading el_id=&#8221;chequing_accounts_-_bank_of_montreal_bmo_&#8221; el_id=&#8221;chequing_accounts_-_bank_of_montreal_bmo_&#8221; text=&#8221;Chequing Accounts &#8211; Bank of Montreal (BMO)&#8221; el_id=&#8221;chequing_accounts_-_bank_of_montreal_bmo_&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Here are the chequing account offers currently available from the Bank of Montreal (BMO).<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare-simple'\n\t\t\t\tdata-post_type='bank_account'\n\t\t\t\tdata-per_page='6'\n\t\t\t\tclass='deferred_container--preload container_bank_account container_template--compare-simple container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"bank_account_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"368907,368903,368902,368908\"\n\t\t\t\t\t\t\t>\n\t\t\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n\t\t<\/div>\n\n\t\t<\/div>[vc_custom_heading el_id=&#8221;bmo_performance_chequing_account&#8221; el_id=&#8221;bmo_performance_chequing_account&#8221; text=&#8221;BMO Performance Chequing Account&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;bmo_performance_chequing_account&#8221;]<p>With the BMO Performance Chequing Account, you can get up to a <strong>$800 cash bonus<\/strong> and a Walmart Delivery Pass for up to 12 months:<\/p>\n<ul>\n<li>$500 for opening a Performance account with a deposit before June 1, 2026, and complete 2 qualifying criteria by July 31, 2026.<\/li>\n<li><strong>$150<\/strong> for opening a Savings Amplifier Account before June 1, 2026 + a deposit of $10,000 or more within the first 30 days of account opening, and maintaining that balance for 90 days.<\/li>\n<li><strong>$100<\/strong> by setting up a direct deposit of $500 or more by July 31, 2026 and maintaining it for one year<\/li>\n<li>An additional <strong>$50<\/strong> by accessing My Financial Progress and completing eligible activities before April 30, 2026.<\/li>\n<\/ul>\n<p>Get a <strong>promotional interest rate<\/strong> when you add a Savings Amplifier Account*<\/p>\n<p>Other Benefits:<\/p>\n<ul>\n<li>Unlimited banking transactions<\/li>\n<li>Up to $40 off annual fees on eligible BMO credit cards<\/li>\n<li>Free money transfers to 70 destinations<\/li>\n<\/ul>\n<p>All for <strong>$17.95 a month, or free if you maintain a minimum balance of $4,000<\/strong>.<\/p>\n<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='l'\n\t\t\t\tdata-post_type='bank_account'\n\t\t\t\tdata-per_page='6'\n\t\t\t\tclass='deferred_container--preload container_bank_account container_template--l container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"bank_account_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"368903\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card mcs-bank_account\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"product-image-wrapper\">\n\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div><div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"289143\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading el_id=&#8221;chequing_accounts_-_scotia&#8221; el_id=&#8221;chequing_accounts_-_scotia&#8221; text=&#8221;Chequing Accounts &#8211; Scotia&#8221; el_id=&#8221;chequing_accounts_-_scotia&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Here are the chequing account offers currently available from Scotiabank.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare-simple'\n\t\t\t\tdata-post_type='bank_account'\n\t\t\t\tdata-per_page='6'\n\t\t\t\tclass='deferred_container--preload container_bank_account container_template--compare-simple container_count--5 container_count--lots'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"bank_account_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"368871,368867,368868,368869,368870\"\n\t\t\t\t\t\t\t>\n\t\t\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n\t\t<\/div>\n\n\t\t<\/div>[vc_custom_heading el_id=&#8221;scotiabank_ultimate_package_chequing_account&#8221; el_id=&#8221;scotiabank_ultimate_package_chequing_account&#8221; text=&#8221;Scotiabank Ultimate Package Chequing Account&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;scotiabank_ultimate_package_chequing_account&#8221;]<p>Right now, when you open a new Scotiabank Ultimate Package, you can earn up to <strong><span class=\"nowrap\">$700<\/span> in bonuses!<\/strong><\/p>\n<p>To get a <strong><span class=\"nowrap\">$500<\/span> bonus<\/strong>, you must set up two of the following operations:<\/p>\n<ul>\n<li>A recurring direct deposit such as a payroll or pension at least once a month, for 6 consecutive months<\/li>\n<li>Two pre-authorized transactions (such as hydro bill and internet bill) of at least $50 per month, for 6 consecutive months<\/li>\n<li>A bill payment of at least $50 (such as your mobile provider) on your online bank<\/li>\n<\/ul>\n<p>Then you can earn a <strong> <span class=\"nowrap\">$100<\/span> bonus<\/strong> by also opening a new RRSP, TFSA or FHSA and making a minimum contribution of $5,000.<\/p>\n<p>Finally, you&#8217;ll earn <strong>another $100 bonus<\/strong> when you open a Money Master savings account and maintain your Smart Savings Tool registration for 90 consecutive days.<\/p>\n<p>Scotiabank&#8217;s Ultimate Package includes a number of attractive benefits:<\/p>\n<ul>\n<li><strong>Waiver of annual fees<\/strong> (up to $150) on certain credit cards such as the Scotia Bank Passport Visa Infinite or Scotia Momentum Visa Infinite.<\/li>\n<li><strong>Unlimited free Global non-Scotiabank ABM withdrawals<\/strong><\/li>\n<li>Unlimited debit transactions<\/li>\n<li>Unlimited free international money transfer transactions<\/li>\n<li>Unlimited Interac e-Transfer transactions<\/li>\n<li>No monthly Overdraft Protection fee<\/li>\n<li>Free personalized cheques and drafts<\/li>\n<li>Get Scene+ points<\/li>\n<li>No monthly account fee on a Scotia U.S. Dollar Daily Interest Account<\/li>\n<li>$55 annual fee waiver for rental of small safe deposit box compartment<\/li>\n<\/ul>\n<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='l'\n\t\t\t\tdata-post_type='bank_account'\n\t\t\t\tdata-per_page='6'\n\t\t\t\tclass='deferred_container--preload container_bank_account container_template--l container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"bank_account_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"368871\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card mcs-bank_account\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"product-image-wrapper\">\n\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[vc_custom_heading el_id=&#8221;scotiabank_preferred_package&#8221; el_id=&#8221;scotiabank_preferred_package&#8221; text=&#8221;Scotiabank Preferred Package&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;scotiabank_preferred_package&#8221;]<p>Right now, when you open a new Scotiabank Preferred Package, you can earn up to <strong><span class=\"nowrap\">$700<\/span> in bonuses!<\/strong><\/p>\n<p>To get a <strong><span class=\"nowrap\">$500<\/span> bonus<\/strong>, all you&#8217;d have to do is set up two pre-authorized debits (like Hydro-Quebec and Bell, for example) of at least <span class=\"nowrap\">$50<\/span> for 6 consecutive months, and make one bill payment of at least <span class=\"nowrap\">$50<\/span> (like your mobile provider).<\/p>\n<p>Then you can get a <strong><span class=\"nowrap\">$100<\/span> bonus<\/strong> by also opening a new RRSP, TFSA or FHSA.<\/p>\n<p>Finally, you&#8217;ll earn <strong>another $100 bonus<\/strong> when you open a Money Master savings account and maintain your Smart Savings Tool registration for 90 consecutive days.<\/p>\n<p>Scotiabank&#8217;s Essential Package has the following key features:<\/p>\n<ul>\n<li>Unlimited Interac Debit and e-Transfer transactions<\/li>\n<li><strong>First-year<\/strong> annual fee waiver on select credit cards (up to $150)<\/li>\n<li>Preferred rates on certain GICs<\/li>\n<li>One free non-Scotiabank ATM withdrawal per month in Canada<\/li>\n<\/ul>\n<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='l'\n\t\t\t\tdata-post_type='bank_account'\n\t\t\t\tdata-per_page='6'\n\t\t\t\tclass='deferred_container--preload container_bank_account container_template--l container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"bank_account_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"368868\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card mcs-bank_account\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"product-image-wrapper\">\n\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div><div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"84496\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading el_id=&#8221;chequing_accounts_-_eq_bank&#8221; el_id=&#8221;chequing_accounts_-_eq_bank&#8221; text=&#8221;Chequing accounts &#8211; EQ Bank&#8221; el_id=&#8221;chequing_accounts_-_eq_bank&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Here is the current offering of checking accounts from EQ Bank.<\/p>\n<p>[\/vc_column_text][vc_custom_heading el_id=&#8221;chequing_accounts_-_eq_bank_personal_account&#8221; el_id=&#8221;chequing_accounts_-_eq_bank_personal_account&#8221; text=&#8221;Chequing Accounts &#8211; EQ Bank Personal Account&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;chequing_accounts_-_eq_bank_personal_account&#8221;]<p>The <a href=\"https:\/\/milesopedia.com\/offres\/comptes-bancaires\/banque-eq-quebec-sans-frais\/\">EQ Bank<\/a> Personal Account (formerly called Savings Plus Account) is a <strong>no-fee account<\/strong> that offers a generous <strong>interest rate of up to <span class=\"nowrap\">2.75%*<\/span> to all customers on everyday banking services<\/strong>:<\/p>\n<ul>\n<li><span class=\"nowrap\">1.00%<\/span> interest on everyday banking services;<\/li>\n<li>Up to <span class=\"nowrap\">2.75%<\/span> interest when you set up direct deposit of $2,000 or more per month for your pay.<\/li>\n<\/ul>\n<p>This account also offers several free features, such as:<\/p>\n<ul>\n<li>Interac transfers;<\/li>\n<li>Daily operations;<\/li>\n<li>Bill payments;<\/li>\n<li>Deposits and withdrawals.<\/li>\n<\/ul>\n<p>Finally, there is no minimum balance required for this type of account.<\/p>\n<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='l'\n\t\t\t\tdata-post_type='bank_account'\n\t\t\t\tdata-per_page='6'\n\t\t\t\tclass='deferred_container--preload container_bank_account container_template--l container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"bank_account_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"368877\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card mcs-bank_account\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"product-image-wrapper\">\n\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading el_id=&#8221;what_are_the_different_types_of_chequing_accounts_&#8221; el_id=&#8221;what_are_the_different_types_of_chequing_accounts_&#8221; text=&#8221;What are the different types of chequing accounts?&#8221; el_id=&#8221;what_are_the_different_types_of_chequing_accounts_&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<h3>Essential chequing account<\/h3>\n<p>This account is the most straightforward version of a chequing account. It&#8217;s ideal for those looking to carry out basic transactions such as cash withdrawals and cheque payments. For example, <a title=\"Scotiabank Basic Bank Account\" href=\"https:\/\/milesopedia.com\/en\/go\/scotiabank-basic\/\" rel=\"noindex\">Scotiabank&#8217;s Basic Banking Account<\/a> or <a title=\"National Bank The Modest Chequing Account\" href=\"https:\/\/milesopedia.com\/en\/go\/nbc-the-modest-chequing-account\/\" rel=\"noindex\">National Bank&#8217;s The Modest Chequing Account<\/a>.<\/p>\n<h3>No-fee chequing account<\/h3>\n<p>This account is appealing to those wishing to avoid monthly fees. Nevertheless, it is essential to note that one-off costs may arise for special services, such as overdrafts or the use of ATMs that are not part of the bank&#8217;s network. For example, the <a title=\"EQ Bank - Savings Plus Account\" href=\"https:\/\/milesopedia.com\/en\/go\/eq-bank-personal-account\/\" rel=\"noindex\">EQ Bank Everyday Account<\/a> or the <a title=\"Tangerine chequing account\" href=\"https:\/\/milesopedia.com\/en\/go\/tangerine-chequing\/\" rel=\"noindex\">Tangerine Chequing Account<\/a>.<\/p>\n<h3>Premium chequing account<\/h3>\n<p>This top-of-the-range account offers exclusive benefits such as free international money transfers and preferential exchange rates. It usually comes with a higher monthly fee, unless you maintain a minimum daily balance. Examples include the <a title=\"BMO Performance Chequing Account\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-performance-chequing-account\/\" rel=\"noindex\">BMO Performance Chequing Account<\/a>, the <a title=\"Scotiabank Ultimate Package\" href=\"https:\/\/milesopedia.com\/en\/go\/scotia-ultimate-package\/\" rel=\"noindex\">Scotiabank Ultimate Package<\/a> or the <a title=\"NBC The Total Chequing Account\" href=\"https:\/\/milesopedia.com\/en\/go\/nbc-the-total-chequing-account\/\" rel=\"noindex\">National Bank Total Chequing Account<\/a>.<\/p>\n<h3>Digital chequing account<\/h3>\n<p>Offered by online banks (but also by some traditional banks such as <a title=\"NBC The Connected Chequing Account\" href=\"https:\/\/milesopedia.com\/en\/go\/nbc-the-connected\/\" rel=\"noindex\">NBC The Connected Chequing Account<\/a>), this account offers the same advantages as a traditional account, but without the option of in-branch services. Everything is managed via an app or website, making it convenient for the technology-savvy.<\/p>\n<h3>Chequing Account for Newcomers to Canada<\/h3>\n<p>This account is for people who have just arrived in Canada. It often offers benefits such as exemption from monthly fees for a limited period. For example, the <a title=\"BMO Performance Chequing Account for Newcomers\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-performance-newcomers\/\" rel=\"noindex\">BMO Performance Chequing Account for Newcomers<\/a> or the <a title=\"NBC Chequing account for newcomers to Canada\" href=\"https:\/\/milesopedia.com\/en\/go\/nbc-newcomers-canada\/\" rel=\"noindex\"> NBC Chequing Account for newcomers to Canada<\/a>.<\/p>\n<h3>Student Chequing Account<\/h3>\n<p>This account is designed for post-secondary students and offers unlimited transactions with no monthly fees. Proof of enrolment at an educational institution is generally required. Like the <a title=\"BMO Performance Chequing Account for Students\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-performance-chequing-account-students\/\" rel=\"noindex\">BMO Student Performance Chequing Account<\/a>.<\/p>\n<h3>Youth Chequing Account<\/h3>\n<p>Aimed at young people and teenagers, this account offers benefits similar to those of the student account but without the need to be enrolled in an educational establishment. The age limit for this type of account varies from bank to bank.<\/p>\n<h3>Senior Chequing Account<\/h3>\n<p>Some banks offer special accounts for older people, with benefits such as free paper bank statements and unlimited transactions for little or no monthly fee.<\/p>\n<h3>Joint chequing account<\/h3>\n<p>Two or more people share this account and allows each account holder to make transactions, deposits and withdrawals.<\/p>\n<h3>Foreign currency and USD accounts<\/h3>\n<p>These accounts make it possible to manage funds in different currencies, which is useful for those who do business or frequently travel abroad.<\/p>\n<h3>Business Chequing Account<\/h3>\n<p>This account is tailored to the needs of entrepreneurs and businesses, with fee structures that vary according to company size and needs.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column el_class=&#8221;faq&#8221;][vc_custom_heading el_id=&#8221;frequently_asked_questions_about_chequing_accounts&#8221; el_id=&#8221;frequently_asked_questions_about_chequing_accounts&#8221; text=&#8221;Frequently asked questions about chequing accounts&#8221; el_id=&#8221;frequently_asked_questions_about_chequing_accounts&#8221;][vc_toggle title=&#8221;Which are the best Canadian banks for chequing accounts?&#8221; open=&#8221;true&#8221;]<\/p>\n<p>When it comes to top-tier checking accounts in Canada, <a href=\"https:\/\/milesopedia.com\/en\/offers\/bank-accounts\/eq-bank-quebec-fee-free\/\">EQ Bank<\/a> and <a href=\"https:\/\/milesopedia.com\/en\/offres\/comptes-bancaires\/tangerine-savings\/\">Tangerine<\/a> stand out. These banks offer free accounts with unlimited transactions and a multitude of features. For fee-paying accounts, <a href=\"https:\/\/milesopedia.com\/en\/offres\/comptes-bancaires\/packages-bmo-chequing\/\">BMO<\/a> and <a href=\"https:\/\/milesopedia.com\/en\/offers\/bank-accounts\/national-bank-best-chequing-accounts\/\">National Bank<\/a> offer the best value for money.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;Is it possible to open a chequing account with no monthly fees?&#8221; open=&#8221;true&#8221;]<\/p>\n<p>Yes, many chequing accounts are available with no monthly fee. For example, the <a href=\"https:\/\/milesopedia.com\/en\/?p=311238\">EQ Bank Everyday Account<\/a> and the <a href=\"https:\/\/milesopedia.com\/en\/?p=283888\">Tangerine no-fee chequing account<\/a> are two popular options. However, charges may apply for specific services.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;At what age can I open a chequing account in Canada?&#8221; open=&#8221;true&#8221;]<\/p>\n<p>Most Canadian banks allow young people aged 13 and over to open a chequing account with the authorization of a parent or guardian. Anyone with the age of majority in their province can open a chequing account.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;How do I get a bonus when I open a chequing account?&#8221; open=&#8221;true&#8221;]<\/p>\n<p>For an opening bonus, look for accounts that offer a welcome promotion, such as Tangerine&#8217;s no-fee chequing account or <a title=\"BMO Performance Chequing Account\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-performance-chequing-account\/\" rel=\"noindex\">BMO&#8217;s Performance Chequing Account<\/a>. You may need to keep your account open for a certain period to be eligible.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;Where can I find my chequing account number?&#8221; open=&#8221;true&#8221;]<\/p>\n<p>Each chequing account has three numbers: a 3-digit institution number indicating the bank, a 5-digit transit number indicating the branch and a 7-digit account number. You can find these numbers on a cheque or online banking portal.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;How do I close a chequing account?&#8221; open=&#8221;true&#8221;]<\/p>\n<p>You can close a chequing account in person or by telephone. Make sure your account has sufficient funds to cover any charges before closing.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;Do chequing accounts earn interest?&#8221; open=&#8221;true&#8221;]<\/p>\n<p>Most chequing accounts in Canada offer little or no interest. A notable exception is the <a title=\"EQ Bank - Savings Plus Account\" href=\"https:\/\/milesopedia.com\/en\/go\/eq-bank-personal-account\/\" rel=\"noindex\">EQs Bank Current Account<\/a>, which offers an interest rate of 2.5% to 4% on all deposits.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;What is the maximum overdraft limit for my chequing account?&#8221; open=&#8221;true&#8221;]<\/p>\n<p>Most banks require that you apply and be approved for overdraft protection. The amount of your authorized overdraft generally ranges from $100 to $5,000, depending on your credit history and income.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;What is overdraft protection?&#8221; open=&#8221;true&#8221;]<\/p>\n<p>Overdraft protection allows you to maintain a negative balance in your chequing account for a short period of time. Overdraft fees may apply on a monthly or per-use basis, and interest charges may also apply.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;Are chequing accounts secure in Canada?&#8221; open=&#8221;true&#8221;]<\/p>\n<p>Canadian chequing accounts are extremely secure. Deposits are insured by the Canada Deposit Insurance Corporation, which protects your balance up to $100,000 in the event of your bank&#8217;s insolvency. What&#8217;s more, many banks offer zero liability on fraudulent purchases made with your debit card.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;When to use a chequing account&#8221; open=&#8221;true&#8221;]<\/p>\n<p>Use a chequing account for day-to-day banking, including purchases, bill payments, direct deposits, transfers, ATM withdrawals and recurring payments. Using a chequing account to save or invest money is not recommended.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;What&apos;s the best bank to open an account with?&#8221; open=&#8221;true&#8221;]<\/p>\n<p>Choosing the right bank depends on your financial needs, lifestyle and spending habits. Some people open multiple accounts with different providers to take advantage of rewards programs or account features.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;How many chequing accounts can I have?&#8221; open=&#8221;true&#8221;]<\/p>\n<p>There is no limit to the number of chequing accounts you can open. You can even have several chequing accounts with the same provider. However, monthly fees for multiple accounts can put a strain on your budget.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;What\u2019s the Difference Between a Chequing Account and a Savings Account?&#8221; open=&#8221;true&#8221;]<\/p>\n<p>While chequing accounts are intended for day-to-day transactions, savings accounts are designed to hold a sum of money over a longer period. What&#8217;s more, savings accounts generally offer higher interest rates.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;Do I need a chequing account?&#8221; open=&#8221;true&#8221;]<\/p>\n<p>Yes, it&#8217;s probably necessary to have a checking account to earn money and pay bills. Most employers and the Canada Revenue Agency make payments either by cheque or by direct deposit into your chequing account.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;How can I avoid bank charges in Canada?&#8221; open=&#8221;true&#8221;]<\/p>\n<p>To avoid banking fees in Canada, opt for online banks that offer accounts with no monthly fees, no minimum balance requirements and unlimited transactions. You should also be aware of the limits of each type of transaction to avoid additional charges.<\/p>\n<p>[\/vc_toggle][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p class=\"ai-optimize-6\">Here are the 5 best chequing account offers in Canada. Get a welcome bonus and save on your bank charges.<\/p>","protected":false},"author":2464,"featured_media":311213,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[48127,48124],"tags":[],"mc_loyalty_program":[],"class_list":["post-311460","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bank-accounts","category-comptes-bancaires"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Top 5 Chequing Account Offers in April 2026<\/title>\n<meta name=\"description\" content=\"Here are the 5 best chequing account offers in Canada in April 2026. 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