{"id":45251,"date":"2023-11-01T11:11:29","date_gmt":"2023-11-01T15:11:29","guid":{"rendered":"https:\/\/hardbacon.ca\/non-classifiee\/the-10-best-free-chequing-accounts-in-canada\/"},"modified":"2026-08-23T16:59:24","modified_gmt":"2026-08-23T20:59:24","slug":"the-10-best-free-chequing-accounts-in-canada","status":"publish","type":"post","link":"https:\/\/hardbacon.ca\/en\/banking\/the-10-best-free-chequing-accounts-in-canada\/","title":{"rendered":"The 11 Best Free Chequing Accounts in Canada"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Not all chequing accounts are free. Some require a monthly fee that can often be waived if you maintain a certain balance in your account. We used a <a data-lasso-id=\"319579\" href=\"https:\/\/hardbacon.ca\/en\/compare\/chequing-accounts\/\" target=\"_blank\" rel=\"noopener\">chequing accounts comparison tool<\/a> to find the best free chequing accounts described in this article. As you will see, some chequing accounts go as far as removing completely all transaction fees.<\/p>\n\n\n    <div class=\"best-table\">\r\n        <div class=\"best-table__head\">\r\n                            <div class=\"best-table__head-item\">Checking Accounts<\/div>\r\n                                        <div class=\"best-table__head-item\">Best For<\/div>\r\n                    <\/div>\r\n                                    <div class=\"best-table__row\">\r\n                    <div class=\"best-table__row-item\"><a href=\"#h-6-laurentian-bank-of-canada-youth-plan\">Laurentian Bank of Canada Youth Plan<\/a><\/div>\r\n                    <div class=\"best-table__row-item\">Under 18<\/div>\r\n                <\/div>\r\n                            <div class=\"best-table__row\">\r\n                    <div class=\"best-table__row-item\"><a href=\"#1-eq-bank-personal-account\">EQ Bank Personal Account<\/a><\/div>\r\n                    <div class=\"best-table__row-item\">Everybody<\/div>\r\n                <\/div>\r\n                            <div class=\"best-table__row\">\r\n                    <div class=\"best-table__row-item\"><a href=\"#h-2-coast-capital-savings-federal-credit-union-free-chequing-free-debit-and-more-account\">Coast Capital Savings Federal Credit Union Free Chequing<\/a><\/div>\r\n                    <div class=\"best-table__row-item\">Budgeting for BC Residents<\/div>\r\n                <\/div>\r\n                            <div class=\"best-table__row\">\r\n                    <div class=\"best-table__row-item\"><a href=\"#h-3-alterna-bank-no-fee-echequing-account\">Alterna Bank No-Fee eChequing Account<\/a><\/div>\r\n                    <div class=\"best-table__row-item\">Online Banking<\/div>\r\n                <\/div>\r\n                            <div class=\"best-table__row\">\r\n                    <div class=\"best-table__row-item\"><a href=\"#h-4-tangerine-no-fee-daily-chequing-account\">Tangerine No-Fee Daily Chequing Account<\/a><\/div>\r\n                    <div class=\"best-table__row-item\">Online Banking with Accessible ATM Withdrawals<\/div>\r\n                <\/div>\r\n                            <div class=\"best-table__row\">\r\n                    <div class=\"best-table__row-item\"><a href=\"#h-5-president-s-choice-pc-money-account\">President&#039;s Choice PC Money Accoun<\/a><\/div>\r\n                    <div class=\"best-table__row-item\">Earning Points<\/div>\r\n                <\/div>\r\n                            <div class=\"best-table__row\">\r\n                    <div class=\"best-table__row-item\"><a href=\"#h-7-motusbank-no-fee-chequing-account\">motusbank No-Fee Chequing Account<\/a><\/div>\r\n                    <div class=\"best-table__row-item\">100% Online Banking<\/div>\r\n                <\/div>\r\n                            <div class=\"best-table__row\">\r\n                    <div class=\"best-table__row-item\"><a href=\"#h-8-simplii-no-fee-chequing-account\">Simplii No-Fee Chequing Account<\/a><\/div>\r\n                    <div class=\"best-table__row-item\">Referral Bonuses<\/div>\r\n                <\/div>\r\n                            <div class=\"best-table__row\">\r\n                    <div class=\"best-table__row-item\"><a href=\"#h-9-steinbach-credit-union-standard-pack-chequing\">Steinbach Credit Union Standard Pack Chequing<\/a><\/div>\r\n                    <div class=\"best-table__row-item\">Manitoba Residents<\/div>\r\n                <\/div>\r\n                            <div class=\"best-table__row\">\r\n                    <div class=\"best-table__row-item\"><a href=\"#h-10-valley-first-simply-free-account\">Valley First Simply Free Account<\/a><\/div>\r\n                    <div class=\"best-table__row-item\">BC Residents<\/div>\r\n                <\/div>\r\n                            <div class=\"best-table__row\">\r\n                    <div class=\"best-table__row-item\"><a href=\"#h-11-meridian-credit-union-student-chequing-package\">Meridian Credit Union Student Chequing Package<\/a><\/div>\r\n                    <div class=\"best-table__row-item\">Students Between 18 and 25<\/div>\r\n                <\/div>\r\n                        <\/div>\r\n        <script type=\"application\/ld+json\">\r\n        {\r\n          \"@context\": \"https:\/\/schema.org\",\r\n          \"@type\": \"ItemList\",\r\n          \"url\": \"https:\/\/hardbacon.ca\/en\/en\/banking\/the-10-best-free-chequing-accounts-in-canada\/\",\r\n          \"name\": \"The 11 Best Free Chequing Accounts in Canada\",\r\n          \"description\": \"Everyone needs a chequing account. But fees can add up quickly if you don&#039;t choose carefully. Pick the one of the best free chequing accounts!\",\r\n          \"itemListOrder\": \"https:\/\/schema.org\/ItemListOrderDescending\",\r\n          \"itemListElement\": [\"Laurentian Bank of Canada Youth Plan\",\"EQ Bank Personal Account\",\"Coast Capital Savings Federal Credit Union Free Chequing\",\"Alterna Bank No-Fee eChequing Account\",\"Tangerine No-Fee Daily Chequing Account\",\"President's Choice PC Money Accoun\",\"motusbank No-Fee Chequing Account\",\"Simplii No-Fee Chequing Account\",\"Steinbach Credit Union Standard Pack Chequing\",\"Valley First Simply Free Account\",\"Meridian Credit Union Student Chequing Package\"]        }\r\n    <\/script>\r\n\n\n\n<h2 id=\"h-chequing-account-fees\" class=\"wp-block-heading\">Chequing Account Fees<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Generally speaking, holding a chequing account will cost you a few dollars a month. Banks offer different packages, including a certain number or type of transactions for a monthly fee. ATM fees are the costs you pay when withdrawing funds from an ATM. In general, withdrawals are free if your chequing account is with the financial institution that owns the ATM. However, there are fees incurred when using other companies\u2019 ATMs in Canada. These fees are higher if the withdrawal is made in the United States, which are sometimes the same or lower than internationally. Also, some accounts provide only a limited number of free debit card transactions per month, and once this number is exceeded, additional costs may be incurred.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. EQ Bank Personal Account<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignleft size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/logo-5.png\" alt=\"\" class=\"wp-image-67928\"\/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">EQ Bank&#8217;s <a href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=rrfvo1Wz0rU&amp;offerid=1115263.5&amp;type=3&amp;subid=0\" rel=\"sponsored nofollow noopener\" target=\"_blank\">Personal Account<\/a> is the best of both worlds. It has all the characateristic of a chequing account, with unlimited Interac transfers, a card that behaves like a debit\/credit card. It is also a good savings account with a higher interest rate (up to 4%) than other chequing accounts. There are no transaction, foreign transaction, monthly, or inactivity fees. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Fees<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">There is no monthly fee to have the Personal Account and the EQ Bank Card. There is no minimum balance requirements. EQ Bank empowers users with free ATM withdrawals across Canada and promptly reimburses surcharges or out-of-network fees imposed by ATM providers. Deposits including mobile cheque deposit, electronic funds transfers, Interac&nbsp;e-transfers, bill payments, opening and closing an account are all free. Only Wise will charge a fee when you make an international transfer. There are limits on the number of accounts you can hold (5) and maximums such as $100,000 per cheque deposit and $5,000 for outbound Interac e-transfer in a 24-hour period.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Province<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The Personal account is available in all Canadian provinces. The EQ Bank Card, however, is not available in Quebec.<\/p>\n\n\n\n<h2 id=\"h-2-coast-capital-savings-federal-credit-union-free-chequing-free-debit-and-more-account\" class=\"wp-block-heading\">2. Coast Capital Savings Federal Credit Union Free Chequing, Free Debit, and More account<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignleft size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/logo-6.png\" alt=\"\" class=\"wp-image-67931\"\/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">The Coast Capital Savings Federal Credit Union was founded in 1940 and is the largest credit union with 535,000 members. Its branches are mainly located in British Columbia, but its products are available accross Canada (except in Quebec). It offers chequing accounts, savings accounts, loans, mortgages, guaranteed investment certificates and registered accounts.<\/p>\n\n\n\n<h3 id=\"h-fees\" class=\"wp-block-heading\">Fees<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The <a data-lasso-id=\"319581\" href=\"https:\/\/api.fintelconnect.com\/t\/l\/60b4f2094bf11c00210f7a4f\" rel=\"sponsored nofollow noopener\" target=\"_blank\">Free Chequing, Free Debit, and More Account<\/a> includes an unlimited number of transactions per month and no monthly fees. When sending an Interac e-Transfer, a $1.50 fee is added. However, there is no charge when receiving an Interac e-Transfer. There is a $2.50 fee when withdrawing from an ATM other than that of your bank. This fee is $5+2% of the amount retrieved when withdrawing from an ATM in the United States or in another country.<\/p>\n\n\n\n<h3 id=\"h-province\" class=\"wp-block-heading\">Province<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Coast Capital is available in all Canadian provinces except Quebec.<\/p>\n\n\n\n<h2 id=\"h-3-alterna-bank-no-fee-echequing-account\" class=\"wp-block-heading\">3. Alterna Bank No-Fee eChequing Account<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignleft size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/logo-7.png\" alt=\"\" class=\"wp-image-67934\"\/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Alterna Bank has been operating as a bank since 2017 and offers its services online, by phone or by app. It is a subsidiary of Alterna Savings, which is one of the largest funds in Ontario. Alterna Bank has a reputation for offering high interest rate savings accounts, mortgages, and it also offers a chequing account, which offers an interest rate of 0,05%.<\/p>\n\n\n\n<h3 id=\"h-fees-0\" class=\"wp-block-heading\">Fees<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/www.alternabank.ca\/everyday-banking\/no-fee-echequing\" rel=\"nofollow noopener\" data-lasso-id=\"319584\" target=\"_blank\">No-fee eChequing account<\/a>, as its name suggests, has no fees, either for transactions or for monthly or annual fees. It includes an unlimited number of free transactions per month and free Interac e-Transfers.<\/p>\n\n\n\n<h3 id=\"h-provinces\" class=\"wp-block-heading\">Provinces<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">All provinces.<\/p>\n\n\n\n<h2 id=\"h-4-tangerine-no-fee-daily-chequing-account\" class=\"wp-block-heading\">4. Tangerine No-Fee Daily Chequing Account<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignleft size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/logo-8.png\" alt=\"\" class=\"wp-image-67936\"\/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Tangerine Bank exists since 1997 under the name ING DIRECT Canada and it was purchased by Scotiabank in November 2012. This online bank offers several financial services such as chequing accounts, savings accounts, credit cards, guaranteed investment certificates, investment funds and mortgages. Its <a href=\"https:\/\/www.tangerine.ca\/en\/products\/spending\/chequing-account\" rel=\"nofollow noopener\" target=\"_blank\">No-Fee Daily Chequing Account<\/a> offers between 0.01% and 0.10% of interest.<\/p>\n\n\n\n<h3 id=\"h-fees-1\" class=\"wp-block-heading\">Fees<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The free chequing account has no monthly fees and includes an unlimited number of debit transactions and free Interac e-Transfers. You also get a Visa Debit card so you won&#8217;t even need a credit card. The ATM fees are $1.50 in Canada, $2 in the United States and $3 internationally.<\/p>\n\n\n\n<h3 id=\"h-province-0\" class=\"wp-block-heading\">Province<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">All provinces.<\/p>\n\n\n\n<h2 id=\"h-5-president-s-choice-pc-money-account\" class=\"wp-block-heading\">5. President&#8217;s Choice PC Money Account<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignleft size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"194\" height=\"122\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/11\/PC-money.png\" alt=\"\" class=\"wp-image-57596\" style=\"aspect-ratio:1.5901639344262295;width:171px;height:auto\"\/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">President&#8217;s Choice Bank has been offering banking services since 1998. With the <a data-lasso-id=\"319590\" href=\"https:\/\/www.pcfinancial.ca\/en\/pc-money-account\/\" rel=\"nofollow noopener\" target=\"_blank\">PC Money Account<\/a>, you can earn points, and once you\u2019ve earned 10,000 points you can redeem them for $10 worth of products or groceries. You earn 25 points per dollar spent at Shoppers Drug Mart stores or online, 10 points in some grocery stores, and 5 points for every dollar of purchases anywhere else. You can then redeem your points for food and beauty products at participating stores, or gas at Esso or Mobil stations.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Does this card have limits? PC Bank has only 750 ATMs across Canada, so if you need to make a withdrawal and want to avoid fees, it&#8217;s not ideal. Also, you can&#8217;t write or deposit cheques. To use your card at merchants, they must accept Mastercard payments.<\/p>\n\n\n\n<h3 id=\"h-fees-2\" class=\"wp-block-heading\">Fees<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This account is not completely fee-free. You&#8217;ll pay $50 if you have insufficient funds to settle a transaction. In addition, a fee of $1.50 applies to all non-PC ATM withdrawals ($3.00 internationally). To request an inquiry into the status of a bill payment, you&#8217;ll pay $15.00. An Interac transfer is free, but cancelling it will cost you $3.50. There are a few other fees, including a $20 inactivity fee if you haven&#8217;t made any transactions on your account for 12 months. Overall, these types of fees are also found at other banks, so they shouldn&#8217;t deter you from choosing PC Money.<\/p>\n\n\n\n<h3 id=\"h-province-1\" class=\"wp-block-heading\">Province<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">All provinces<\/p>\n\n\n\n<h2 id=\"h-6-laurentian-bank-of-canada-youth-plan\" class=\"wp-block-heading\">6. Laurentian Bank of Canada Youth Plan<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignleft size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/logo-10.png\" alt=\"\" class=\"wp-image-67940\"\/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Laurentian Bank was founded in 1846 and is one of the few banks with its head office located in Montreal. Most of its branches are located in the province of Quebec, but it does provide banking services all over Canada. It offers chequing accounts, savings accounts, credit cards and personal loans.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 id=\"h-fees-3\" class=\"wp-block-heading\">Fees<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><a data-lasso-id=\"319591\" href=\"https:\/\/www.banquelaurentienne.ca\/en\/personal_banking_services\/my_money\/daybyday_interest_plus.html\" rel=\"nofollow noopener\" target=\"_blank\">The Youth Plan<\/a> is for those under 18. It has no monthly fees and offers an unlimited number of transactions. These include withdrawals, transfers and bill payments at Laurentian Bank ATMs and THE EXCHANGE network, transfers and bill payments via LBC<em>Direct<\/em> and the mobile app, Interac Debit transactions, cheques and pre-authorized payments.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In all other Laurentian Bank chequing accounts, each Interac transaction and transfer costs at least $1, but if you have a balance of $3,000 or more in your account, many fees disappear, such as those for pre-authorized payments.<\/p>\n\n\n\n<h3 id=\"h-province-2\" class=\"wp-block-heading\">Province<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">All provinces<\/p>\n\n\n\n<h2 id=\"h-7-motusbank-no-fee-chequing-account\" class=\"wp-block-heading\">7. motusbank No-Fee Chequing Account<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignleft size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/logo-11.png\" alt=\"\" class=\"wp-image-67942\"\/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Mostusbank is part of the Meridian Credit Union. This bank was established in 2019 and is 100% online, which means that there are no branches. It offers guaranteed investment capital and fairly large savings accounts. It also offers a chequing account with an interest rate of 0.15%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 id=\"h-fees-4\" class=\"wp-block-heading\">Fees<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The <a data-lasso-id=\"319586\" href=\"https:\/\/www.motusbank.ca\/Accounts\/Chequing\" rel=\"nofollow noopener\" target=\"_blank\">No-Fee Chequing Account<\/a> has no monthly fees, offers unlimited transactions without fees and free Interac e-Transfers. The fees for ATMs are $2 in Canada, $3 in the United States and $5 in other countries. There are also other fees, such as $45 for insufficient funds and $25 if you close your account within 90 days of opening it.<\/p>\n\n\n\n<h3 id=\"h-provinces-0\" class=\"wp-block-heading\">Provinces<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">All provinces<\/p>\n\n\n\n<h2 id=\"h-8-simplii-no-fee-chequing-account\" class=\"wp-block-heading\">8. Simplii No-Fee Chequing Account<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignleft size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/logo-12.png\" alt=\"\" class=\"wp-image-67945\"\/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Simplii Financial&nbsp;is the digital banking division of CIBC. It offers chequing&nbsp;and&nbsp;savings accounts, as well as investment products, mortgages and mutual funds. The bank has almost two million clients.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/www.simplii.com\/en\/bank-accounts\/high-interest-savings.html\" rel=\"sponsored nofollow noopener\" target=\"_blank\">No-Fee Chequing Account<\/a> doesn&#8217;t pay much interest (0.01% for balances up to $50,000) but offers many advantages: unlimited debit purchases, bill payments and withdrawals. Overdraft protection is optinal. You also get a debit Mastercard to make purchases.<\/p>\n\n\n\n<h3 id=\"h-fees-5\" class=\"wp-block-heading\">Fees<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">There are no monthly fees and you have access to over 3,400 CIBC ATMs across Canada. You will pay $45 for non sufficient funds, $1.50 for domestic ATM withdrawals outside Simplii\u2019s network and $3 at international ATMs. Aegistered account transfer to another institution costs $50.<\/p>\n\n\n\n<h3 id=\"h-provinces-1\" class=\"wp-block-heading\">Provinces<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">All provinces except Quebec<\/p>\n\n\n\n<h2 id=\"h-9-steinbach-credit-union-standard-pack-chequing\" class=\"wp-block-heading\">9. Steinbach Credit Union Standard Pack Chequing<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignleft size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/logo-13.png\" alt=\"\" class=\"wp-image-67947\"\/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Steinbach Credit Union (SCU) is Manitoba&#8217;s largest credit union. It is also the 7th largest credit union in Canada. Created in 1941, it provides several services such as chequing accounts, savings accounts, credit cards, loans, insurance and mortgages. These services are available in Manitoba only.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 id=\"h-fees-6\" class=\"wp-block-heading\">Fees<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you&#8217;re interested in no commitment to a monthly package or fee structure, you might opt for this pay-as-you-go account. The <a href=\"https:\/\/scu.mb.ca\/personal\/bank-accounts\/personal-chequing-accounts\/standard-pack-chequing\" rel=\"nofollow noopener\" target=\"_blank\">Standard Pack Chequing<\/a> offers one free debit monthly per $500 minimum monthly balance. Deposits are free, but there is a bunch a other fees. Cheques, debits, transfers, and withdrawals on personal chequing&nbsp;are $0.65 each. Withdrawals at SCU&nbsp;are $0.55 and withdrawals at&nbsp;Interac&nbsp;ATMs in Canada are $1.50.<\/p>\n\n\n\n<h3 id=\"h-province-3\" class=\"wp-block-heading\">Province<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Manitoba<\/p>\n\n\n\n<h2 id=\"h-10-valley-first-simply-free-account\" class=\"wp-block-heading\">10. Valley First Simply Free Account<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignleft size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/logo-14.png\" alt=\"\" class=\"wp-image-67949\"\/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Valley First Credit Union is a division of First West Credit Union. Its headquarters are in Penticton, British Columbia. It was founded in 1947 and offers several services such as chequing accounts, savings accounts and credit cards. It also offers loans and insurance. These services are only available in British Columbia.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 id=\"h-fees-7\" class=\"wp-block-heading\">Fees<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/www.valleyfirst.com\/bank\/accounts\/simply-free-account\" rel=\"nofollow noopener\" target=\"_blank\">Simply Free Account<\/a> includes an unlimited number of transactions per month, free Interac e-Transfers and no monthly fees for debit card transactions, withdrawals, bill payments, pre-authorized payments and deposits. Interac ATM withdrawal is $1.25 in Canada and international ATM withdrawals are $5.<\/p>\n\n\n\n<h3 id=\"h-province-4\" class=\"wp-block-heading\">Province<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">British Columbia<\/p>\n\n\n\n<h2 id=\"h-11-meridian-credit-union-student-chequing-package\" class=\"wp-block-heading\">11. Meridian Credit Union Student Chequing Package<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignleft size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/logo-15.png\" alt=\"\" class=\"wp-image-67951\"\/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Founded in 2005, the Meridian Credit Union is the 3rd largest credit union in Canada and the largest one in Ontario with 360,000 members. It offers chequing accounts, savings accounts, mortgages, loans and insurance. This student chequing account, as its name suggests, is only available to people aged 18 to 25.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 id=\"h-fees-8\" class=\"wp-block-heading\">Fees<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The <a data-lasso-id=\"319588\" href=\"https:\/\/www.meridiancu.ca\/Personal\/Accounts\/Chequing-Accounts\/Limitless-Chequing-Account.aspx\" rel=\"nofollow noopener\" target=\"_blank\">Limitless chequing account<\/a> is free and offers unlimited self-serve transactions and includes 5 in-branch transactions per month. You will pay $1.25 per additional transaction. You get 99 rebated Interac e-Transfers, meaning the cost of $1.50 will be refunded to you at the end of the month. <\/p>\n\n\n\n<h3 id=\"h-provinces-2\" class=\"wp-block-heading\">Provinces<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Alberta, British Columbia, Prince Edward Island, Manitoba, New Brunswick, Nova Scotia, Ontario, Saskatchewan, Newfoundland and Labrador, Northwest Territories, Yukon.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Not all chequing accounts are free. Some require a monthly fee that can often be waived if you maintain a certain balance in your account. We used a chequing accounts comparison tool to find the best free chequing accounts described in this article. As you will see, some chequing accounts go as far as removing [&hellip;]<\/p>\n","protected":false},"author":52,"featured_media":1480,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[195,204,226],"tags":[],"class_list":["post-45251","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking","category-chequing-accounts","category-online-bank"],"acf":{"has_no_offer_box":"1"},"_links":{"self":[{"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/posts\/45251","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/users\/52"}],"replies":[{"embeddable":true,"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/comments?post=45251"}],"version-history":[{"count":0,"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/posts\/45251\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/media\/1480"}],"wp:attachment":[{"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/media?parent=45251"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/categories?post=45251"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/tags?post=45251"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}