{"id":79584,"date":"2026-04-07T07:05:00","date_gmt":"2026-04-07T11:05:00","guid":{"rendered":"https:\/\/hardbacon.ca\/?post_type=product-page&#038;p=79584"},"modified":"2026-10-02T16:14:06","modified_gmt":"2026-10-02T20:14:06","slug":"best-banks-in-canada","status":"publish","type":"product-page","link":"https:\/\/hardbacon.ca\/en\/best-banks-in-canada\/","title":{"rendered":"Best Banks in Canada"},"content":{"rendered":"\n<section  class=\" pt-30 pb-14 bg-surface-blue overflow-hidden\">\n\t<div class=\"container-wide\">\n\t\t\t\t\t<header class=\"section-head-center mb-10\">\n\t\t\t\t<h1 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\">Best <span>Banks<\/span> in Canada for 2026<\/h1>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>We compared 10 Canadian banks on fees, interest rates and customer satisfaction. Here&#8217;s what won, and who each one actually suits.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t\t\t<div class=\"text-center \">\n\t\t\t<div class=\"\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/compare\/chequing-accounts\/\" class=\"whitespace-nowrap button-link-base button-link-filled \" target=\"_self\" rel=\"noopener noreferrer\">Compare bank accounts<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n\t\t\n\t<\/div>\n<\/section>\n\n\n<section  class=\"section-p \">\n\t<div class=\"container-wide section-p bg-white rounded-md px-2 xs:px-6 md:px-12 lg:px-20 xl:flex xl:gap-20 items-center\">\n\t\t<div class=\"text-center mx-auto mb-16 xl:text-left xl:mb-0\">\n\t\t\t\t\t\t<header class=\"section-head mx-auto\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\">There <span>isn&#8217;t<\/span> one best bank<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>The best bank in Canada for most people in 2026 is EQ Bank, which charges no monthly fee and pays 2.75% on its Personal Account when you set up a direct deposit of at least $2,000 a month (EQ Bank, rates as of 16 August 2026). Among the Big Five, RBC scored highest for customer satisfaction at 611 out of 1,000 in the most recent J.D. Power study (J.D. Power, 2025). Those two facts point in different directions, and that&#8217;s the whole problem with the question.<\/p>\n<p>There isn&#8217;t one best bank in Canada. There&#8217;s a best bank for someone who wants a branch on their corner, and a different one for someone who wants the highest rate on cash they won&#8217;t touch for a year. Below we rank 10 institutions, show the fees and rates behind each ranking, and then route you to the account type you actually need.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"1\" height=\"1\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/10\/bank-illustration.svg\" class=\"w-full h-auto max-w-[600px] mx-auto rounded-sm\" alt=\"bank illustration\" loading=\"lazy\" \/>\t\t\t<\/div>\n<\/section>\n\n\n<section  class=\" section-p\">\n\t<div class=\"container\">\n\n\t\t\t\t\t<header class=\"section-head-center mb-20\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\">Key Takeaways<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t\t\t\t\t<ul class=\"rounded-sm py-8 px-10 lg:py-14 lg:px-18 text-xl xl:text-2xl border-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"mb-4 lg:mb-7 last:mb-0\">\u2714 EQ Bank pays 2.75% on its Personal Account with a $2,000 monthly direct deposit, but the base rate without that deposit is 1.00% (EQ Bank, 16 Aug 2026).<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"mb-4 lg:mb-7 last:mb-0\">\u2714 Big Five customer satisfaction fell 7 points to 604\/1,000 while mid-size banks rose 5 points to 649 (J.D. Power, 2025).<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"mb-4 lg:mb-7 last:mb-0\">\u2714 CDIC covers $100,000 per depositor, per insured category, across nine separate categories (CDIC).<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"mb-4 lg:mb-7 last:mb-0\">\u2714 The Bank of Canada&#039;s policy rate sits at 2.25%, down from 2.75% in March 2025, which is why savings rates have drifted down all year (Bank of Canada, 15 July 2026).<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\n\t<\/div>\n<\/section>\n\n\n\n<section  class=\" section-p\">\n\t<div class=\"container-wide bg-white section-p rounded\">\n\n\t\t\t\t\t<header class=\"section-head-center mb-20\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\">Top 10 <span>Best Banks<\/span> in Canada for 2026<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>EQ Bank and Tangerine top our 2026 ranking because both charge $0 a month for everyday banking, and Tangerine also earned the highest customer satisfaction score in the mid-size bank segment (J.D. Power, 2025). The Big Five follow, separated by less than 20 points of satisfaction between best and worst.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t<div class=\"px-5 sm:px-10 lg:px-20 xl:px-10 3xl:px-0 xl:max-w-[var(--container-default-2xl)] mx-auto\">\n\t\t\t<div x-data=\"horizontalScrollShadows\" x-init><div x-ref=\"scroller\" @scroll.passive=\"onScroll\" class=\"overflow-x-auto\"><table class=\"simple-table\"><thead><tr><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>Rank<\/span>\n                <\/span>\n            <\/th><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>Bank<\/span>\n                <\/span>\n            <\/th><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>Overall Score<\/span>\n                <\/span>\n            <\/th><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>Key Strengths<\/span>\n                <\/span>\n            <\/th><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>Monthly Fees<\/span>\n                <\/span>\n            <\/th><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>Customer Satisfaction*<\/span>\n                <\/span>\n            <\/th><\/tr><\/thead><tbody><tr class=\"bg-surface-pink\"><th scope=\"row\" class=\"font-regular\">1<\/th><td>EQ Bank<\/td><td>8.6\/10<\/td><td>No fees, high interest rates, unlimited transactions<\/td><td>$0<\/td><td>N.A.<\/td><\/tr><tr class=\"\"><th scope=\"row\" class=\"font-regular\">2<\/th><td>Tangerine Bank<\/td><td>8.4\/10<\/td><td>No monthly fees, 3,500+ ABM access<\/td><td>$0<\/td><td>683\/1,000<\/td><\/tr><tr class=\"bg-surface-pink\"><th scope=\"row\" class=\"font-regular\">3<\/th><td>RBC<\/td><td>8.4\/10<\/td><td>Largest network, full product range<\/td><td>$4-30<\/td><td>611\/1,000<\/td><\/tr><tr class=\"\"><th scope=\"row\" class=\"font-regular\">4<\/th><td>TD<\/td><td>8.2\/10<\/td><td>Extended hours, US cross-border banking<\/td><td>$3.95-25<\/td><td>599\/1,000<\/td><\/tr><tr class=\"bg-surface-pink\"><th scope=\"row\" class=\"font-regular\">5<\/th><td>Simplii Financial<\/td><td>7.8\/10<\/td><td>CIBC-backed, no account fees<\/td><td>$0<\/td><td>644\/1,000<\/td><\/tr><tr class=\"\"><th scope=\"row\" class=\"font-regular\">6<\/th><td>BMO<\/td><td>7.8\/10<\/td><td>Oldest chartered bank, business banking<\/td><td>$4-30<\/td><td>606\/1,000<\/td><\/tr><tr class=\"bg-surface-pink\"><th scope=\"row\" class=\"font-regular\">7<\/th><td>National Bank<\/td><td>7.6\/10<\/td><td>Newcomer programs, Quebec strength<\/td><td>$12.95-30<\/td><td>643\/1,000<\/td><\/tr><tr class=\"\"><th scope=\"row\" class=\"font-regular\">8<\/th><td>CIBC<\/td><td>7.6\/10<\/td><td>Digital tools, investing platform<\/td><td>$4-29.95<\/td><td>607\/1,000<\/td><\/tr><tr class=\"bg-surface-pink\"><th scope=\"row\" class=\"font-regular\">9<\/th><td>Scotiabank<\/td><td>7.6\/10<\/td><td>International reach, student programs<\/td><td>$3.95-25.95<\/td><td>595\/1,000<\/td><\/tr><tr class=\"\"><th scope=\"row\" class=\"font-regular\">10<\/th><td>Canadian Western Bank<\/td><td>7.1\/10<\/td><td>Regional focus, personal service<\/td><td>$5-15<\/td><td>N.A.<\/td><\/tr><\/tbody><\/table><\/div><\/div>\t\t<\/div>\n\n\t<\/div>\n<\/section>\n\n\n\n\n<section  class=\" section-p rounded\">\n\t<div class=\"container\">\n\t\t\t\t<header class=\"section-head-center\">\n\t\t\t<h2 class=\"capitalize tracking-[-2px] mb-20\">How We <span>Picked<\/span> The Best Banks in Canada<\/h2>\t\t<\/header>\n\t\t\t\t<div class=\"bg-surface-blue py-11 px-9 lg:p-20 rounded prose prose-primary max-w-[var(--section-head-w)] mx-auto\">\n\t\t\t<p>Our scores weigh five things: what the account costs you every month, what it pays you in interest, how easy it is to get at your money, what independent survey data says about the customer experience, and whether your deposits are federally protected. Cost carries the most weight, because a $16.95 monthly fee is $203 a year you&#8217;re paying before you earn a cent of interest.<\/p>\n<p>Here&#8217;s what goes into each score, and what doesn&#8217;t:<\/p>\n<ul>\n<li><strong>Fees (30%).<\/strong> Posted monthly fees for standard personal chequing accounts, plus the balance you&#8217;d need to hold to waive them. We treat a waived fee as a cost, because parking $4,000 to avoid $16.95 a month has its own price.<\/li>\n<li><strong>Interest rates (25%).<\/strong> Everyday account and savings rates as posted by the institution, including any conditions attached to a promotional or boosted rate.<\/li>\n<li><strong>Access (20%).<\/strong> Branch count, ABM network, e-transfer limits, and whether out-of-network ATM fees are rebated.<\/li>\n<li><strong>Customer experience (15%).<\/strong> J.D. Power&#8217;s Canada Retail Banking Satisfaction Study, which measures seven factors led by trust (J.D. Power, 2025).<\/li>\n<li><strong>Deposit protection (10%).<\/strong> Whether the institution is a CDIC member in its own right, or holds your money through a partner<\/li>\n<\/ul>\n<p>What we don&#8217;t weigh: whether Hardbacon has a commercial relationship with the institution. Several banks in this ranking are partners and several aren&#8217;t, and you can&#8217;t tell which from reading the list. That&#8217;s deliberate. If a non-partner wins a category, we say so.<\/p>\n<p>A caveat we&#8217;d rather state than hide: the 0-10 scores are Hardbacon&#8217;s own judgment, not an external rating. The fees, rates and satisfaction figures beneath them are sourced and dated, so you can check our work and disagree with our weighting.<\/p>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n<section  class=\" section-p rounded\">\n\t<div class=\"container\">\n\t\t\t\t<header class=\"section-head-center\">\n\t\t\t<h2 class=\"capitalize tracking-[-2px] mb-20\">Which Banks Are The <span>Safest<\/span> In Canada?<\/h2>\t\t<\/header>\n\t\t\t\t<div class=\"bg-surface-blue py-11 px-9 lg:p-20 rounded prose prose-primary max-w-[var(--section-head-w)] mx-auto\">\n\t\t\t<p>Every bank in this ranking protects your deposits through the Canada Deposit Insurance Corporation, which <strong>covers $100,000 per depositor, per insured category<\/strong>, and the coverage is free and automatic (CDIC). There are nine separate categories, so a single person can hold well over $100,000 in total protected deposits at one bank.<\/p>\n<p>The nine CDIC categories are deposits held in one name, joint deposits, RRSP, RRIF, TFSA, RDSP, RESP, FHSA, and deposits held in trust. Each one gets its own $100,000. A couple with a joint account, two TFSAs and two RRSPs at the same bank is covered for $500,000 without doing anything clever.<\/p>\n<p>What CDIC does not cover: mutual funds, stocks, bonds, ETFs and cryptocurrencies (CDIC). If it can lose value on its own, it isn&#8217;t a deposit.<\/p>\n<p>There&#8217;s a second safety layer most people never hear about. Canada&#8217;s banking regulator designates six banks as domestic systemically important, meaning their failure would disrupt the whole financial system, so they carry extra capital requirements. Those six are RBC, TD, Scotiabank, BMO, CIBC and National Bank. RBC and TD are also designated global systemically important banks (OSFI).<\/p>\n<p>One thing to check before you move a large balance. Wealthsimple is a popular place to hold cash, but it doesn&#8217;t appear on CDIC&#8217;s member institution list in its own name; it holds client deposits through partner banks, which affects how coverage is calculated. That isn&#8217;t a reason to avoid it. It is a reason to read the terms before you park $200,000 there.<\/p>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n<section  class=\" py-30 bg-surface-pink overflow-hidden\">\n\t<div class=\"container-wide\">\n\t\t\t\t\t<header class=\"section-head-center \">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\"><span>The Big Six Banks<\/span>: Strengths and Weaknesses<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>The Big Six hold the dominant share of Canadian retail banking and all six are regulator-designated as systemically important (OSFI). Their combined average satisfaction score of 604 out of 1,000 fell 7 points year over year, while mid-size banks gained 5 points (J.D. Power, 2025). Scale buys you branches. It doesn&#8217;t seem to buy you happier customers.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t<\/div>\n<\/section>\n\n\n<section  class=\" section-p bg-white\">\n\t<div class=\"container\">\n\t\t<div class=\"max-w-[var(--section-head-w)] mx-auto bg-white rounded p-5 lg:p-10 shadow-(--shadow)\">\n\t\t\t<div class=\"flex flex-col md:flex-row items-start gap-5 lg:gap-10\">\n\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/10\/RBC-logo-edited-300x200.png\" class=\"h-auto max-w-[200px] md:max-w-[250px] grow w-full\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/10\/RBC-logo-edited-300x200.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/10\/RBC-logo-edited-1024x683.png 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/10\/RBC-logo-edited-768x512.png 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/10\/RBC-logo-edited-1536x1024.png 1536w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/10\/RBC-logo-edited-2048x1366.png 2048w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/10\/RBC-logo-edited-1200x800.png 1200w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>\t\t\t\t<div>\n\t\t\t\t\t<h3 class=\"border-b-2 mb-5 text-lg lg:text-2xl\"><span>Royal Bank of Canada (RBC)<\/span> &#8211; Largest national footprint<\/h3>\t\t\t\t\t<div class=\"prose prose-primary max-w-none\"><p><strong>Score: 8.4\/10 \u00b7 J.D. Power: 611\/1,000, highest in the Big 5<\/strong><\/p>\n<p><strong>Why we picked it.<\/strong> RBC ranked highest for customer satisfaction among the Big 5 for a second consecutive year (J.D. Power, 2025). It&#8217;s also designated a global systemically important bank, one of only two in Canada (OSFI). If you want the widest branch and ABM coverage in the country plus every product under one login, this is it.<\/p>\n<\/div>\n\n\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/compare\/chequing-accounts\/?ca_ii=5f072a1e0533ec11edc00c54\" class=\"whitespace-nowrap button-link-sm-base button-link-outline mt-5\" target=\"_blank\">Get started with RBC<\/a>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<div class=\"grid md:grid-cols-2 gap-10 md:gap-5 mt-20\">\n\t\t\t\t\t\t\t<div class=\"flex flex-col\">\n\t\t\t\t\t\t\t<h3 class=\"bg-primary-dark text-white text-center text-lg lg:text-xl font-medium py-2 px-5 rounded-t-lg w-4\/5 mx-auto max-w-[250px] md:max-w-4\/5\">\n\t\t\t\t\tPros\t\t\t\t<\/h3>\n\t\t\t\n\t\t\t<ul class=\"list-disc p-8 lg:p-12 grow bg-surface-green rounded-sm\">\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">Largest branch and ABM network<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">Full product range from chequing to mortgages to investing<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">Strongest Big 5 satisfaction score<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t<\/div>\n\t\t\t\t<div class=\"flex flex-col\">\n\t\t\t\t\t\t\t<h3 class=\"bg-primary-dark text-white text-center text-lg lg:text-xl font-medium py-2 px-5 rounded-t-lg w-4\/5 mx-auto max-w-[250px] md:max-w-4\/5\">\n\t\t\t\t\tCons\t\t\t\t<\/h3>\n\t\t\t\n\t\t\t<ul class=\"list-disc p-8 lg:p-12 grow bg-surface-pink rounded-sm\">\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">Monthly fees run $4 to $30 depending on package<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">Everyday account interest is negligible<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"mt-20 text-center\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex flex-col sm:flex-row items-center gap-3 sm:gap-5 mb-5\">\n\t\t\t\t\t\t\t<span class=\"grow block w-full sm:w-auto h-0.5 bg-slate-800\"><\/span>\n\t\t\t\t\t\t\t<h3 class=\"text-lg lg:text-xl w-auto mx-auto font-medium\">Best For<\/h3>\n\t\t\t\t\t\t\t<span class=\"hidden sm:block grow h-0.5 bg-slate-800\"><\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none\"><p>People who want one bank for everything and value in-person service.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n<section  class=\" section-p bg-white\">\n\t<div class=\"container\">\n\t\t<div class=\"max-w-[var(--section-head-w)] mx-auto bg-white rounded p-5 lg:p-10 shadow-(--shadow)\">\n\t\t\t<div class=\"flex flex-col md:flex-row items-start gap-5 lg:gap-10\">\n\t\t\t\t<img decoding=\"async\" width=\"1\" height=\"1\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/10\/TD-Bank-logo.svg\" class=\"h-auto max-w-[200px] md:max-w-[250px] grow w-full\" alt=\"TD Bank logo\" loading=\"lazy\" \/>\t\t\t\t<div>\n\t\t\t\t\t<h3 class=\"border-b-2 mb-5 text-lg lg:text-2xl\"><span>Toronto-Dominion Bank (TD)<\/span> &#8211; Cross-border strength<\/h3>\t\t\t\t\t<div class=\"prose prose-primary max-w-none\"><p><strong>Score: 8.2\/10 \u00b7 J.D. Power: 599\/1,000<\/strong><\/p>\n<p><strong>Why we picked it.<\/strong> TD is the practical choice for anyone who spends real time in the United States. It operates a large US retail network and offers cross-border banking that lets you move between Canadian and US accounts without wire fees. Branch hours are the longest among the Big Five, including weekends at many locations.<\/p>\n<\/div>\n\n\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/compare\/chequing-accounts\/?ca_ii=5f072fcefb87bc0436fbfcd6\" class=\"whitespace-nowrap button-link-sm-base button-link-outline mt-5\" target=\"_blank\">Get started with TD<\/a>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<div class=\"grid md:grid-cols-2 gap-10 md:gap-5 mt-20\">\n\t\t\t\t\t\t\t<div class=\"flex flex-col\">\n\t\t\t\t\t\t\t<h3 class=\"bg-primary-dark text-white text-center text-lg lg:text-xl font-medium py-2 px-5 rounded-t-lg w-4\/5 mx-auto max-w-[250px] md:max-w-4\/5\">\n\t\t\t\t\tPros\t\t\t\t<\/h3>\n\t\t\t\n\t\t\t<ul class=\"list-disc p-8 lg:p-12 grow bg-surface-green rounded-sm\">\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">Extended branch hours<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">Genuine US cross-border banking<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">Global systemically important bank designation (OSFI)<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t<\/div>\n\t\t\t\t<div class=\"flex flex-col\">\n\t\t\t\t\t\t\t<h3 class=\"bg-primary-dark text-white text-center text-lg lg:text-xl font-medium py-2 px-5 rounded-t-lg w-4\/5 mx-auto max-w-[250px] md:max-w-4\/5\">\n\t\t\t\t\tCons\t\t\t\t<\/h3>\n\t\t\t\n\t\t\t<ul class=\"list-disc p-8 lg:p-12 grow bg-surface-pink rounded-sm\">\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">Satisfaction score of 599 sits below the Big 5 average of 604<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">Monthly fees of $3.95 to $25<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"mt-20 text-center\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex flex-col sm:flex-row items-center gap-3 sm:gap-5 mb-5\">\n\t\t\t\t\t\t\t<span class=\"grow block w-full sm:w-auto h-0.5 bg-slate-800\"><\/span>\n\t\t\t\t\t\t\t<h3 class=\"text-lg lg:text-xl w-auto mx-auto font-medium\">Best For<\/h3>\n\t\t\t\t\t\t\t<span class=\"hidden sm:block grow h-0.5 bg-slate-800\"><\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none\"><p>Snowbirds, cross-border commuters, and anyone who banks in person on a Saturday.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n<section  class=\" section-p bg-white\">\n\t<div class=\"container\">\n\t\t<div class=\"max-w-[var(--section-head-w)] mx-auto bg-white rounded p-5 lg:p-10 shadow-(--shadow)\">\n\t\t\t<div class=\"flex flex-col md:flex-row items-start gap-5 lg:gap-10\">\n\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"169\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/08\/Scotiabank-Logo-300x169.png\" class=\"h-auto max-w-[200px] md:max-w-[250px] grow w-full\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/08\/Scotiabank-Logo-300x169.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/08\/Scotiabank-Logo-1024x576.png 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/08\/Scotiabank-Logo-768x432.png 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/08\/Scotiabank-Logo-1536x864.png 1536w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/08\/Scotiabank-Logo-2048x1152.png 2048w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>\t\t\t\t<div>\n\t\t\t\t\t<h3 class=\"border-b-2 mb-5 text-lg lg:text-2xl\"><span>Scotiabank<\/span> &#8211; International reach<\/h3>\t\t\t\t\t<div class=\"prose prose-primary max-w-none\"><p><strong>Score: 7.6\/10 \u00b7 J.D. Power: 595\/1,000<\/strong><\/p>\n<p><strong>Why we picked it.<\/strong> Scotiabank has the broadest international presence of the Big Six, particularly in Latin America and the Caribbean, which matters if you send money abroad regularly or hold assets in those markets. It also owns Tangerine, which ranked highest in the mid-size segment, so its digital arm is doing better than its branded retail arm.<\/p>\n<\/div>\n\n\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/compare\/chequing-accounts\/?ca_ii=5f07305afb87bc0436fbfcd7\" class=\"whitespace-nowrap button-link-sm-base button-link-outline mt-5\" target=\"_blank\">Get started with Scotiabank<\/a>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<div class=\"grid md:grid-cols-2 gap-10 md:gap-5 mt-20\">\n\t\t\t\t\t\t\t<div class=\"flex flex-col\">\n\t\t\t\t\t\t\t<h3 class=\"bg-primary-dark text-white text-center text-lg lg:text-xl font-medium py-2 px-5 rounded-t-lg w-4\/5 mx-auto max-w-[250px] md:max-w-4\/5\">\n\t\t\t\t\tPros\t\t\t\t<\/h3>\n\t\t\t\n\t\t\t<ul class=\"list-disc p-8 lg:p-12 grow bg-surface-green rounded-sm\">\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">Strongest international network<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">Owns Tangerine and its 3,500+ ABM alliance<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">Solid student packages<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t<\/div>\n\t\t\t\t<div class=\"flex flex-col\">\n\t\t\t\t\t\t\t<h3 class=\"bg-primary-dark text-white text-center text-lg lg:text-xl font-medium py-2 px-5 rounded-t-lg w-4\/5 mx-auto max-w-[250px] md:max-w-4\/5\">\n\t\t\t\t\tCons\t\t\t\t<\/h3>\n\t\t\t\n\t\t\t<ul class=\"list-disc p-8 lg:p-12 grow bg-surface-pink rounded-sm\">\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">Lowest satisfaction score of the Big Five at 595 (J.D. Power, 2025)<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">fees of $3.95 to $25.95<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"mt-20 text-center\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex flex-col sm:flex-row items-center gap-3 sm:gap-5 mb-5\">\n\t\t\t\t\t\t\t<span class=\"grow block w-full sm:w-auto h-0.5 bg-slate-800\"><\/span>\n\t\t\t\t\t\t\t<h3 class=\"text-lg lg:text-xl w-auto mx-auto font-medium\">Best For<\/h3>\n\t\t\t\t\t\t\t<span class=\"hidden sm:block grow h-0.5 bg-slate-800\"><\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none\"><p>People with financial ties outside Canada.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n<section  class=\" section-p bg-white\">\n\t<div class=\"container\">\n\t\t<div class=\"max-w-[var(--section-head-w)] mx-auto bg-white rounded p-5 lg:p-10 shadow-(--shadow)\">\n\t\t\t<div class=\"flex flex-col md:flex-row items-start gap-5 lg:gap-10\">\n\t\t\t\t<img decoding=\"async\" width=\"1\" height=\"1\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/10\/BMO-logo.svg\" class=\"h-auto max-w-[200px] md:max-w-[250px] grow w-full\" alt=\"BMO logo\" loading=\"lazy\" \/>\t\t\t\t<div>\n\t\t\t\t\t<h3 class=\"border-b-2 mb-5 text-lg lg:text-2xl\"><span>Bank of Montreal (BMO)<\/span> &#8211; Commercial banking depth<\/h3>\t\t\t\t\t<div class=\"prose prose-primary max-w-none\"><p><strong>Score: 7.8\/10 \u00b7 J.D. Power: 606\/1,000<\/strong><\/p>\n<p><strong>Why we picked it.<\/strong> BMO is Canada&#8217;s oldest chartered bank, founded in 1817, and its commercial and small-business banking is genuinely strong. Its satisfaction score of 606 edges out the Big 5 average. For a business owner who wants personal and commercial banking in one relationship, it&#8217;s a reasonable default.<\/p>\n<\/div>\n\n\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/compare\/chequing-accounts\/?ca_ii=5f0730260533ec11edc00c55\" class=\"whitespace-nowrap button-link-sm-base button-link-outline mt-5\" target=\"_self\">Get started with BMO<\/a>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<div class=\"grid md:grid-cols-2 gap-10 md:gap-5 mt-20\">\n\t\t\t\t\t\t\t<div class=\"flex flex-col\">\n\t\t\t\t\t\t\t<h3 class=\"bg-primary-dark text-white text-center text-lg lg:text-xl font-medium py-2 px-5 rounded-t-lg w-4\/5 mx-auto max-w-[250px] md:max-w-4\/5\">\n\t\t\t\t\tPros\t\t\t\t<\/h3>\n\t\t\t\n\t\t\t<ul class=\"list-disc p-8 lg:p-12 grow bg-surface-green rounded-sm\">\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">Deep small-business and commercial products<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">Above-average satisfaction for the segment<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">Wide branch network<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t<\/div>\n\t\t\t\t<div class=\"flex flex-col\">\n\t\t\t\t\t\t\t<h3 class=\"bg-primary-dark text-white text-center text-lg lg:text-xl font-medium py-2 px-5 rounded-t-lg w-4\/5 mx-auto max-w-[250px] md:max-w-4\/5\">\n\t\t\t\t\tCons\t\t\t\t<\/h3>\n\t\t\t\n\t\t\t<ul class=\"list-disc p-8 lg:p-12 grow bg-surface-pink rounded-sm\">\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">Personal chequing fees of $4 to $30<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">Retail digital tools trail the online-only banks<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"mt-20 text-center\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex flex-col sm:flex-row items-center gap-3 sm:gap-5 mb-5\">\n\t\t\t\t\t\t\t<span class=\"grow block w-full sm:w-auto h-0.5 bg-slate-800\"><\/span>\n\t\t\t\t\t\t\t<h3 class=\"text-lg lg:text-xl w-auto mx-auto font-medium\">Best For<\/h3>\n\t\t\t\t\t\t\t<span class=\"hidden sm:block grow h-0.5 bg-slate-800\"><\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none\"><p>Small-business owners and incorporated professionals.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n<section  class=\" section-p bg-white\">\n\t<div class=\"container\">\n\t\t<div class=\"max-w-[var(--section-head-w)] mx-auto bg-white rounded p-5 lg:p-10 shadow-(--shadow)\">\n\t\t\t<div class=\"flex flex-col md:flex-row items-start gap-5 lg:gap-10\">\n\t\t\t\t<img decoding=\"async\" width=\"1\" height=\"1\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/10\/CIBC_bank.svg\" class=\"h-auto max-w-[200px] md:max-w-[250px] grow w-full\" alt=\"cibc logo\" loading=\"lazy\" \/>\t\t\t\t<div>\n\t\t\t\t\t<h3 class=\"border-b-2 mb-5 text-lg lg:text-2xl\"><span>Canadian Imperial Bank of Commerce (CIBC)<\/span> &#8211; Digital-first retail focus<\/h3>\t\t\t\t\t<div class=\"prose prose-primary max-w-none\"><p><strong>Score: 7.6\/10 \u00b7 J.D. Power: 607\/1,000<\/strong><\/p>\n<p><strong>Why we picked it.<\/strong> CIBC scored second among the Big 5 at 607, and it owns Simplii Financial, whose 644 in the mid-size segment is one of the better scores in this ranking. CIBC&#8217;s own investing platform and mobile tools are competitive with anything the Big Six offer.<\/p>\n<\/div>\n\n\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/compare\/chequing-accounts\/?ca_ii=5f072f6ffb87bc0436fbfcd5\" class=\"whitespace-nowrap button-link-sm-base button-link-outline mt-5\" target=\"_blank\">Get started with CIBC<\/a>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<div class=\"grid md:grid-cols-2 gap-10 md:gap-5 mt-20\">\n\t\t\t\t\t\t\t<div class=\"flex flex-col\">\n\t\t\t\t\t\t\t<h3 class=\"bg-primary-dark text-white text-center text-lg lg:text-xl font-medium py-2 px-5 rounded-t-lg w-4\/5 mx-auto max-w-[250px] md:max-w-4\/5\">\n\t\t\t\t\tPros\t\t\t\t<\/h3>\n\t\t\t\n\t\t\t<ul class=\"list-disc p-8 lg:p-12 grow bg-surface-green rounded-sm\">\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">Second-highest Big 5 satisfaction<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">Owns Simplii, giving you a no-fee option inside the same corporate family<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">Strong investing platform<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t<\/div>\n\t\t\t\t<div class=\"flex flex-col\">\n\t\t\t\t\t\t\t<h3 class=\"bg-primary-dark text-white text-center text-lg lg:text-xl font-medium py-2 px-5 rounded-t-lg w-4\/5 mx-auto max-w-[250px] md:max-w-4\/5\">\n\t\t\t\t\tCons\t\t\t\t<\/h3>\n\t\t\t\n\t\t\t<ul class=\"list-disc p-8 lg:p-12 grow bg-surface-pink rounded-sm\">\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">Fees of $4 to $29.95<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">Branch network smaller than RBC&#039;s or TD&#039;s<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"mt-20 text-center\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex flex-col sm:flex-row items-center gap-3 sm:gap-5 mb-5\">\n\t\t\t\t\t\t\t<span class=\"grow block w-full sm:w-auto h-0.5 bg-slate-800\"><\/span>\n\t\t\t\t\t\t\t<h3 class=\"text-lg lg:text-xl w-auto mx-auto font-medium\">Best For<\/h3>\n\t\t\t\t\t\t\t<span class=\"hidden sm:block grow h-0.5 bg-slate-800\"><\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none\"><p>People who want a big-bank relationship with a no-fee digital account alongside it.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n<section  class=\" section-p bg-white\">\n\t<div class=\"container\">\n\t\t<div class=\"max-w-[var(--section-head-w)] mx-auto bg-white rounded p-5 lg:p-10 shadow-(--shadow)\">\n\t\t\t<div class=\"flex flex-col md:flex-row items-start gap-5 lg:gap-10\">\n\t\t\t\t<img decoding=\"async\" width=\"1\" height=\"1\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/10\/National-bank-logo.svg\" class=\"h-auto max-w-[200px] md:max-w-[250px] grow w-full\" alt=\"National bank logo\" loading=\"lazy\" \/>\t\t\t\t<div>\n\t\t\t\t\t<h3 class=\"border-b-2 mb-5 text-lg lg:text-2xl\"><span>National Bank of Canada<\/span> &#8211; Quebec challenger<\/h3>\t\t\t\t\t<div class=\"prose prose-primary max-w-none\"><p><strong>Score: 7.6\/10 \u00b7 J.D. Power: 643\/1,000, mid-size segment<\/strong><\/p>\n<p><strong>Why we picked it.<\/strong> National Bank is the sixth D-SIB and the only one headquartered in Quebec (OSFI). J.D. Power scores it in the mid-size segment, where it earned 643, comfortably above the Big 5 average of 604. Its newcomer packages are among the most generous in the market.<\/p>\n<\/div>\n\n\t\t\t\t<a href=\"https:\/\/www.nbc.ca\/\" class=\"whitespace-nowrap button-link-sm-base button-link-outline mt-5\" target=\"_blank\" rel=\"nofollow noopener\">Get started with NBC<\/a>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<div class=\"grid md:grid-cols-2 gap-10 md:gap-5 mt-20\">\n\t\t\t\t\t\t\t<div class=\"flex flex-col\">\n\t\t\t\t\t\t\t<h3 class=\"bg-primary-dark text-white text-center text-lg lg:text-xl font-medium py-2 px-5 rounded-t-lg w-4\/5 mx-auto max-w-[250px] md:max-w-4\/5\">\n\t\t\t\t\tPros\t\t\t\t<\/h3>\n\t\t\t\n\t\t\t<ul class=\"list-disc p-8 lg:p-12 grow bg-surface-green rounded-sm\">\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">Strong newcomer programs<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">Commission-free self-directed investing<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">Mid-size satisfaction score of 643<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t<\/div>\n\t\t\t\t<div class=\"flex flex-col\">\n\t\t\t\t\t\t\t<h3 class=\"bg-primary-dark text-white text-center text-lg lg:text-xl font-medium py-2 px-5 rounded-t-lg w-4\/5 mx-auto max-w-[250px] md:max-w-4\/5\">\n\t\t\t\t\tCons\t\t\t\t<\/h3>\n\t\t\t\n\t\t\t<ul class=\"list-disc p-8 lg:p-12 grow bg-surface-pink rounded-sm\">\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">Highest entry fees in this ranking at $12.95 to $30 a month<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">branch network concentrated in Quebec and Eastern Ontario<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"mt-20 text-center\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex flex-col sm:flex-row items-center gap-3 sm:gap-5 mb-5\">\n\t\t\t\t\t\t\t<span class=\"grow block w-full sm:w-auto h-0.5 bg-slate-800\"><\/span>\n\t\t\t\t\t\t\t<h3 class=\"text-lg lg:text-xl w-auto mx-auto font-medium\">Best For<\/h3>\n\t\t\t\t\t\t\t<span class=\"hidden sm:block grow h-0.5 bg-slate-800\"><\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none\"><p>Quebec residents and newcomers to Canada<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n<section  class=\" py-30 bg-surface-blue overflow-hidden\">\n\t<div class=\"container-wide\">\n\t\t\t\t\t<header class=\"section-head-center \">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\"><span>Digital Banks<\/span> and Online Institutions<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>Online banks win this ranking on cost. EQ Bank pays 2.75% on its Personal Account with a qualifying direct deposit and charges nothing monthly, while a Big Five premium chequing package can run $30 a month (EQ Bank, 16 Aug 2026). Over a year, that&#8217;s a swing of more than $360 in fees alone, before interest.<\/p>\n<p>The trade-off is real, though. No branches, and if you need a bank draft on a Tuesday afternoon, you&#8217;re mailing something.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t<\/div>\n<\/section>\n\n\n<section  class=\" section-p bg-white\">\n\t<div class=\"container\">\n\t\t<div class=\"max-w-[var(--section-head-w)] mx-auto bg-white rounded p-5 lg:p-10 shadow-(--shadow)\">\n\t\t\t<div class=\"flex flex-col md:flex-row items-start gap-5 lg:gap-10\">\n\t\t\t\t<img decoding=\"async\" width=\"1\" height=\"1\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/10\/EQ-Bank-logo.svg\" class=\"h-auto max-w-[200px] md:max-w-[250px] grow w-full\" alt=\"EQ Bank logo\" loading=\"lazy\" \/>\t\t\t\t<div>\n\t\t\t\t\t<h3 class=\"border-b-2 mb-5 text-lg lg:text-2xl\"><span>EQ Bank<\/span> &#8211; Best Overall<\/h3>\t\t\t\t\t<div class=\"prose prose-primary max-w-none\"><p><strong>Score: 8.6\/10 \u00b7 Monthly fee: $0<\/strong><\/p>\n<p><strong>Why we picked it.<\/strong> EQ Bank combines a no-fee everyday account with the best posted everyday rate in this ranking. Verified rates as of 16 August 2026: the Personal Account pays a 1.00% base rate, rising to 2.75% when you set up a recurring direct deposit of at least $2,000 a month. Notice savings accounts pay 2.35% (10-day) and 2.75% (30-day), and its 5-year GIC pays 4.30% (EQ Bank).<\/p>\n<p>Read that base rate again. The headline 2.75% is a conditional rate. If your pay doesn&#8217;t land in the account, you&#8217;re earning 1.00%, which is roughly what a Big Five savings account pays. The rate is excellent when you meet the condition and unremarkable when you don&#8217;t.<\/p>\n<\/div>\n\n\t\t\t\t<a href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=rrfvo1Wz0rU&#038;offerid=1115263.22&#038;bids=1115263.22&#038;type=3&#038;subid=0\" class=\"whitespace-nowrap button-link-sm-base button-link-outline mt-5\" target=\"_blank\" rel=\"nofollow noopener\">Get started with EQ<\/a>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<div class=\"grid md:grid-cols-2 gap-10 md:gap-5 mt-20\">\n\t\t\t\t\t\t\t<div class=\"flex flex-col\">\n\t\t\t\t\t\t\t<h3 class=\"bg-primary-dark text-white text-center text-lg lg:text-xl font-medium py-2 px-5 rounded-t-lg w-4\/5 mx-auto max-w-[250px] md:max-w-4\/5\">\n\t\t\t\t\tPros\t\t\t\t<\/h3>\n\t\t\t\n\t\t\t<ul class=\"list-disc p-8 lg:p-12 grow bg-surface-green rounded-sm\">\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">$0 monthly fee; 2.75% with direct deposit<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">4.25% on a 5-year GIC<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">CDIC coverage through Equitable Bank<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t<\/div>\n\t\t\t\t<div class=\"flex flex-col\">\n\t\t\t\t\t\t\t<h3 class=\"bg-primary-dark text-white text-center text-lg lg:text-xl font-medium py-2 px-5 rounded-t-lg w-4\/5 mx-auto max-w-[250px] md:max-w-4\/5\">\n\t\t\t\t\tCons\t\t\t\t<\/h3>\n\t\t\t\n\t\t\t<ul class=\"list-disc p-8 lg:p-12 grow bg-surface-pink rounded-sm\">\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">No branches<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">The top rate is conditional on a $2,000 monthly deposit<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">TFSA and RRSP cash accounts pay only 1.50%<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"mt-20 text-center\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex flex-col sm:flex-row items-center gap-3 sm:gap-5 mb-5\">\n\t\t\t\t\t\t\t<span class=\"grow block w-full sm:w-auto h-0.5 bg-slate-800\"><\/span>\n\t\t\t\t\t\t\t<h3 class=\"text-lg lg:text-xl w-auto mx-auto font-medium\">Best For<\/h3>\n\t\t\t\t\t\t\t<span class=\"hidden sm:block grow h-0.5 bg-slate-800\"><\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none\"><p>Anyone whose paycheque can be redirected, who doesn&#8217;t need a teller.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n<section  class=\" section-p bg-white\">\n\t<div class=\"container\">\n\t\t<div class=\"max-w-[var(--section-head-w)] mx-auto bg-white rounded p-5 lg:p-10 shadow-(--shadow)\">\n\t\t\t<div class=\"flex flex-col md:flex-row items-start gap-5 lg:gap-10\">\n\t\t\t\t<img decoding=\"async\" width=\"1\" height=\"1\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/10\/tangerine-logo.svg\" class=\"h-auto max-w-[200px] md:max-w-[250px] grow w-full\" alt=\"tangerine logo\" loading=\"lazy\" \/>\t\t\t\t<div>\n\t\t\t\t\t<h3 class=\"border-b-2 mb-5 text-lg lg:text-2xl\"><span>Tangerine Bank<\/span> &#8211; Best for No-Fee Banking<\/h3>\t\t\t\t\t<div class=\"prose prose-primary max-w-none\"><p><strong>Score: 8.4\/10 \u00b7 Monthly fee: $0 \u00b7 J.D. Power: 683\/1,000<\/strong><\/p>\n<p><strong>Why we picked it.<\/strong> Tangerine posted the highest customer satisfaction score in this entire ranking at 683 out of 1,000, and it ranked highest in the mid-size bank segment (J.D. Power, 2025). Its No-Fee Daily Chequing Account includes unlimited transactions and unlimited Interac e-Transfers, with free withdrawals across Scotiabank&#8217;s network of 3,500+ ABMs (Tangerine).<\/p>\n<p>New savings clients are currently offered a promotional boost of 5.00% for a limited period (Tangerine, 16 Aug 2026). Promo rates expire. Check what the ongoing rate reverts to before you move your emergency fund.<\/p>\n<\/div>\n\n\t\t\t\t<a href=\"https:\/\/api.fintelconnect.com\/t\/l\/687eb069a6c9c2001bc03f18\" class=\"whitespace-nowrap button-link-sm-base button-link-outline mt-5\" target=\"_blank\" rel=\"nofollow noopener\">Get started with Tangerine<\/a>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<div class=\"grid md:grid-cols-2 gap-10 md:gap-5 mt-20\">\n\t\t\t\t\t\t\t<div class=\"flex flex-col\">\n\t\t\t\t\t\t\t<h3 class=\"bg-primary-dark text-white text-center text-lg lg:text-xl font-medium py-2 px-5 rounded-t-lg w-4\/5 mx-auto max-w-[250px] md:max-w-4\/5\">\n\t\t\t\t\tPros\t\t\t\t<\/h3>\n\t\t\t\n\t\t\t<ul class=\"list-disc p-8 lg:p-12 grow bg-surface-green rounded-sm\">\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">Highest satisfaction score in this ranking<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">$0 fees with unlimited transactions<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">3,500+ ABM access through Scotiabank<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t<\/div>\n\t\t\t\t<div class=\"flex flex-col\">\n\t\t\t\t\t\t\t<h3 class=\"bg-primary-dark text-white text-center text-lg lg:text-xl font-medium py-2 px-5 rounded-t-lg w-4\/5 mx-auto max-w-[250px] md:max-w-4\/5\">\n\t\t\t\t\tCons\t\t\t\t<\/h3>\n\t\t\t\n\t\t\t<ul class=\"list-disc p-8 lg:p-12 grow bg-surface-pink rounded-sm\">\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">The headline savings rate is promotional, not ongoing<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">No branches of its own<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"mt-20 text-center\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex flex-col sm:flex-row items-center gap-3 sm:gap-5 mb-5\">\n\t\t\t\t\t\t\t<span class=\"grow block w-full sm:w-auto h-0.5 bg-slate-800\"><\/span>\n\t\t\t\t\t\t\t<h3 class=\"text-lg lg:text-xl w-auto mx-auto font-medium\">Best For<\/h3>\n\t\t\t\t\t\t\t<span class=\"hidden sm:block grow h-0.5 bg-slate-800\"><\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none\"><p>People who want a no-fee account with the customer service record to back it.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n<section  class=\" section-p bg-white\">\n\t<div class=\"container\">\n\t\t<div class=\"max-w-[var(--section-head-w)] mx-auto bg-white rounded p-5 lg:p-10 shadow-(--shadow)\">\n\t\t\t<div class=\"flex flex-col md:flex-row items-start gap-5 lg:gap-10\">\n\t\t\t\t<img decoding=\"async\" width=\"1\" height=\"1\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/10\/Simplii-Financial-logo.svg\" class=\"h-auto max-w-[200px] md:max-w-[250px] grow w-full\" alt=\"Simplii Financial logo\" loading=\"lazy\" \/>\t\t\t\t<div>\n\t\t\t\t\t<h3 class=\"border-b-2 mb-5 text-lg lg:text-2xl\"><span>Simplii Financial<\/span> &#8211; Hybrid Option<\/h3>\t\t\t\t\t<div class=\"prose prose-primary max-w-none\"><p><strong>Score: 7.8\/10 \u00b7 Monthly fee: $0 \u00b7 J.D. Power: 644\/1,000<\/strong><\/p>\n<p><strong>Why we picked it.<\/strong> Simplii is CIBC&#8217;s direct bank, which means $0 monthly fees plus access to CIBC&#8217;s ABM network, a combination no other institution in this ranking matches. Its 644 satisfaction score beats every Big Five bank. Deposits are CDIC-protected through CIBC (CDIC).<\/p>\n<\/div>\n\n\t\t\t\t<a href=\"https:\/\/api.fintelconnect.com\/t\/l\/692f44492c0322a0c671ff83\" class=\"whitespace-nowrap button-link-sm-base button-link-outline mt-5\" target=\"_blank\" rel=\"nofollow noopener\">Get started with Simplii<\/a>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<div class=\"grid md:grid-cols-2 gap-10 md:gap-5 mt-20\">\n\t\t\t\t\t\t\t<div class=\"flex flex-col\">\n\t\t\t\t\t\t\t<h3 class=\"bg-primary-dark text-white text-center text-lg lg:text-xl font-medium py-2 px-5 rounded-t-lg w-4\/5 mx-auto max-w-[250px] md:max-w-4\/5\">\n\t\t\t\t\tPros\t\t\t\t<\/h3>\n\t\t\t\n\t\t\t<ul class=\"list-disc p-8 lg:p-12 grow bg-surface-green rounded-sm\">\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">$0 fees<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">Free access to CIBC&#039;s full ABM network;<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">644 satisfaction, above every Big 5 bank<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t<\/div>\n\t\t\t\t<div class=\"flex flex-col\">\n\t\t\t\t\t\t\t<h3 class=\"bg-primary-dark text-white text-center text-lg lg:text-xl font-medium py-2 px-5 rounded-t-lg w-4\/5 mx-auto max-w-[250px] md:max-w-4\/5\">\n\t\t\t\t\tCons\t\t\t\t<\/h3>\n\t\t\t\n\t\t\t<ul class=\"list-disc p-8 lg:p-12 grow bg-surface-pink rounded-sm\">\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">Everyday savings rates trail EQ Bank<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">CIBC branches can&#039;t service your Simplii account in person<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"mt-20 text-center\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex flex-col sm:flex-row items-center gap-3 sm:gap-5 mb-5\">\n\t\t\t\t\t\t\t<span class=\"grow block w-full sm:w-auto h-0.5 bg-slate-800\"><\/span>\n\t\t\t\t\t\t\t<h3 class=\"text-lg lg:text-xl w-auto mx-auto font-medium\">Best For<\/h3>\n\t\t\t\t\t\t\t<span class=\"hidden sm:block grow h-0.5 bg-slate-800\"><\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none\"><p>People who want no-fee banking without giving up ABM convenience.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n<section  class=\" section-p bg-white\">\n\t<div class=\"container\">\n\t\t<div class=\"max-w-[var(--section-head-w)] mx-auto bg-white rounded p-5 lg:p-10 shadow-(--shadow)\">\n\t\t\t<div class=\"flex flex-col md:flex-row items-start gap-5 lg:gap-10\">\n\t\t\t\t<img decoding=\"async\" width=\"1\" height=\"1\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/10\/Wealthsimple-logo.svg\" class=\"h-auto max-w-[200px] md:max-w-[250px] grow w-full\" alt=\"Wealthsimple\" loading=\"lazy\" \/>\t\t\t\t<div>\n\t\t\t\t\t<h3 class=\"border-b-2 mb-5 text-lg lg:text-2xl\"><span>Wealthsimple<\/span> &#8211; Strong rates, different structure<\/h3>\t\t\t\t\t<div class=\"prose prose-primary max-w-none\"><p><strong>Score: not ranked \u00b7 Monthly fee: $0<\/strong><\/p>\n<p><strong>Why we included it.<\/strong> Wealthsimple&#8217;s Cash account pays a tiered rate that depends on how much you hold with them: 1.25% for Core clients, 1.75% for Premium and 2.25% for Generation, with Core and Premium able to add a 0.5% boost by direct-depositing $2,000 a month (Wealthsimple, 16 Aug 2026).<\/p>\n<p>Here&#8217;s the part that belongs in the fine print and usually isn&#8217;t. Wealthsimple doesn&#8217;t appear on CDIC&#8217;s member institution list in its own name (CDIC). It holds client cash through partner banks, so coverage works differently than it does at EQ or Tangerine. For most balances that&#8217;s academic. Above $100,000, it isn&#8217;t.<\/p>\n<\/div>\n\n\t\t\t\t<a href=\"https:\/\/api.fintelconnect.com\/t\/l\/69306378778ad77544231fb1\" class=\"whitespace-nowrap button-link-sm-base button-link-outline mt-5\" target=\"_blank\" rel=\"nofollow noopener\">Get started with Wealthsimple<\/a>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<div class=\"grid md:grid-cols-2 gap-10 md:gap-5 mt-20\">\n\t\t\t\t\t\t\t<div class=\"flex flex-col\">\n\t\t\t\t\t\t\t<h3 class=\"bg-primary-dark text-white text-center text-lg lg:text-xl font-medium py-2 px-5 rounded-t-lg w-4\/5 mx-auto max-w-[250px] md:max-w-4\/5\">\n\t\t\t\t\tPros\t\t\t\t<\/h3>\n\t\t\t\n\t\t\t<ul class=\"list-disc p-8 lg:p-12 grow bg-surface-green rounded-sm\">\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">Competitive tiered rates<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">Investing and banking in one app<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">Overdraft from 3.95%<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t<\/div>\n\t\t\t\t<div class=\"flex flex-col\">\n\t\t\t\t\t\t\t<h3 class=\"bg-primary-dark text-white text-center text-lg lg:text-xl font-medium py-2 px-5 rounded-t-lg w-4\/5 mx-auto max-w-[250px] md:max-w-4\/5\">\n\t\t\t\t\tCons\t\t\t\t<\/h3>\n\t\t\t\n\t\t\t<ul class=\"list-disc p-8 lg:p-12 grow bg-surface-pink rounded-sm\">\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">Top rate requires substantial assets<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">Not a direct CDIC member<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-3\">No branches<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"mt-20 text-center\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex flex-col sm:flex-row items-center gap-3 sm:gap-5 mb-5\">\n\t\t\t\t\t\t\t<span class=\"grow block w-full sm:w-auto h-0.5 bg-slate-800\"><\/span>\n\t\t\t\t\t\t\t<h3 class=\"text-lg lg:text-xl w-auto mx-auto font-medium\">Best For<\/h3>\n\t\t\t\t\t\t\t<span class=\"hidden sm:block grow h-0.5 bg-slate-800\"><\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none\"><p>Existing Wealthsimple investing clients consolidating their cash.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n<section  class=\" section-p rounded\">\n\t<div class=\"container\">\n\t\t\t\t<header class=\"section-head-center\">\n\t\t\t<h2 class=\"capitalize tracking-[-2px] mb-20\">Big Six or Digital Bank: <span>Which<\/span> Should You Choose?<\/h2>\t\t<\/header>\n\t\t\t\t<div class=\"bg-surface-blue py-11 px-9 lg:p-20 rounded prose prose-primary max-w-[var(--section-head-w)] mx-auto\">\n\t\t\t<p>Choose a digital bank if your priority is cost, and a Big Six bank if your priority is access. The gap is measurable: EQ Bank charges $0 and pays up to 2.75%, while a premium Big Five chequing package costs up to $30 a month and pays close to nothing on the balance (EQ Bank, 16 Aug 2026).<\/p>\n<p>The satisfaction data cuts the same way. Mid-size banks averaged 649 out of 1,000 against 604 for the Big 5, a 45-point gap in favour of the smaller institutions (J.D. Power, 2025).<\/p>\n<p>So why does anyone stay with a Big Six bank? Four honest reasons:<\/p>\n<ul>\n<li><strong>Cash-heavy lives.<\/strong> If you deposit cash regularly, a branch isn&#8217;t optional.<\/li>\n<li><strong>Mortgages and complex lending.<\/strong> Big Six banks underwrite in-house and can move faster on a complicated file.<\/li>\n<li><strong>Business banking.<\/strong> Digital banks&#8217; small-business offerings remain thin.<\/li>\n<li><strong>In-person problem solving.<\/strong> When something goes wrong with a large transaction, a branch is a real advantage.<\/li>\n<\/ul>\n<p>The practical answer for a lot of people isn&#8217;t either. It&#8217;s both: a Big Six chequing account for the branch access and the mortgage relationship, and a digital savings account earning 2.75% instead of 0.05%. Splitting costs you nothing and the rate difference on a $20,000 emergency fund is about $540 a year.<\/p>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n<section  class=\" section-p\">\n\t<div class=\"container-wide bg-white section-p rounded\">\n\n\t\t\t\t\t<header class=\"section-head-center mb-20\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\">Best Banks by <span>Category<\/span><\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>The right bank depends on the account you&#8217;re opening, not on the institution&#8217;s overall rank. A bank that&#8217;s mediocre overall can still have the best student package in the country. Here&#8217;s where each category leads, with the full comparison behind it.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t<div class=\"px-5 sm:px-10 lg:px-20 xl:px-10 3xl:px-0 xl:max-w-[var(--container-default-2xl)] mx-auto\">\n\t\t\t<div x-data=\"horizontalScrollShadows\" x-init><div x-ref=\"scroller\" @scroll.passive=\"onScroll\" class=\"overflow-x-auto\"><table class=\"simple-table\"><thead><tr><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>If you need<\/span>\n                <\/span>\n            <\/th><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>Our pick<\/span>\n                <\/span>\n            <\/th><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>Why<\/span>\n                <\/span>\n            <\/th><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>Full comparison<\/span>\n                <\/span>\n            <\/th><\/tr><\/thead><tbody><tr class=\"bg-surface-pink\"><th scope=\"row\" class=\"font-regular\">A chequing account<\/th><td>Tangerine<\/td><td>$0 fees, unlimited transactions, 3,500+ ABMs, 683 satisfaction<\/td><td>Best chequing accounts in Canada<\/td><\/tr><tr class=\"\"><th scope=\"row\" class=\"font-regular\">A no-fee chequing account<\/th><td>Simplii<\/td><td>$0 fees plus free CIBC ABM access<\/td><td>Best free chequing accounts<\/td><\/tr><tr class=\"bg-surface-pink\"><th scope=\"row\" class=\"font-regular\">High-interest savings<\/th><td>EQ Bank<\/td><td>2.75% with direct deposit; 2.75% on 30-day notice savings<\/td><td>Best high-interest savings accounts<\/td><\/tr><tr class=\"\"><th scope=\"row\" class=\"font-regular\">An online-only bank<\/th><td>EQ Bank<\/td><td>Best combination of $0 fees and posted rate<\/td><td>Best neobanks in Canada<\/td><\/tr><tr class=\"bg-surface-pink\"><th scope=\"row\" class=\"font-regular\">A student account<\/th><td>Scotiabank \/ National Bank<\/td><td>Fee waivers plus sign-up incentives while enrolled<\/td><td>Best bank for students<\/td><\/tr><tr class=\"\"><th scope=\"row\" class=\"font-regular\">A newcomer package<\/th><td>National Bank \/ RBC<\/td><td>Multi-year fee waivers and credit-building without Canadian history<\/td><td>Best accounts for newcomers<\/td><\/tr><tr class=\"bg-surface-pink\"><th scope=\"row\" class=\"font-regular\">A business account<\/th><td>BMO<\/td><td>Deepest commercial product set of the Big Six<\/td><td>Best business bank accounts<\/td><\/tr><tr class=\"\"><th scope=\"row\" class=\"font-regular\">A joint account<\/th><td>Tangerine<\/td><td>$0 fees with unlimited transactions for both holders<\/td><td>Best joint bank accounts<\/td><\/tr><tr class=\"bg-surface-pink\"><th scope=\"row\" class=\"font-regular\">A kids&#8217; account<\/th><td>Most Big Six offer $0 youth accounts<\/td><td>Fees waived under 18 across the board<\/td><td>Best bank accounts for kids<\/td><\/tr><tr class=\"\"><th scope=\"row\" class=\"font-regular\">A credit union<\/th><td>Varies by province<\/td><td>Member ownership, patronage returns, local decisions<\/td><td>Credit unions in Canada<\/td><\/tr><tr class=\"bg-surface-pink\"><th scope=\"row\" class=\"font-regular\">Private banking<\/th><td>RBC \/ CIBC<\/td><td>Dedicated advisors above high asset thresholds<\/td><td>Best private banking in Canada<\/td><\/tr><\/tbody><\/table><\/div><\/div>\t\t<\/div>\n\n\t<\/div>\n<\/section>\n\n\n\n\n\n<section  class=\" section-p\">\n\t<div class=\"container-wide section-p rounded xl:bg-surface-green\">\n\n\t\t\t\t\t<header class=\"section-head-center mb-20\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\">How To <span>Choose<\/span> a Bank in Canada<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>Start by counting what your current bank costs you in a year, then compare that against the rate you&#8217;re earning. Most people who switch are surprised by the total: a $16.95 monthly fee is $203 a year, and a $10,000 balance earning 0.05% instead of 2.75% gives up another $270 (EQ Bank, 16 Aug 2026). That&#8217;s $473 a year, which is a real number.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t\t\t\t<ol class=\"bg-surface-green rounded p-7 py-12 lg:px-10 lg:py-14 xl:pb-0 grid lg:max-w-[var(--container-default-2xl)] lg:mx-auto lg:grid-cols-2 auto-rows-auto gap-x-20 gap-y-16 xl:gap-y-20 xl:gap-x-32\">\n\t\t\t\t\t\t\t\t\t<li class=\"flex flex-col lg:flex-row items-start gap-3 lg:gap-7\">\n\t\t\t\t\t\t<span class=\"tag--filled\">01<\/span>\n\t\t\t\t\t\t<div class=\"lg:pt-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"mb-9 lg:mb-10\">Add up your annual cost<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xl:text-xl\">\n\t\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t\t\t\t\t<p>Monthly fee times 12, plus e-transfer fees, plus out-of-network ABM charges, plus anything you paid for going over your transaction limit last year.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"flex flex-col lg:flex-row items-start gap-3 lg:gap-7\">\n\t\t\t\t\t\t<span class=\"tag--filled\">02<\/span>\n\t\t\t\t\t\t<div class=\"lg:pt-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"mb-9 lg:mb-10\">Decide whether you need a branch.<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xl:text-xl\">\n\t\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t\t\t\t\t<p>Be honest about how often you actually walked into one in the past twelve months. If the answer is zero, you&#8217;re paying for something you don&#8217;t use.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"flex flex-col lg:flex-row items-start gap-3 lg:gap-7\">\n\t\t\t\t\t\t<span class=\"tag--filled\">03<\/span>\n\t\t\t\t\t\t<div class=\"lg:pt-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"mb-9 lg:mb-10\">Compare on the Government of Canada&#8217;s tool<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xl:text-xl\">\n\t\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t\t\t\t\t<p>The <a href=\"https:\/\/itools-ioutils.fcac-acfc.gc.ca\/ACT-OCC\/SearchFilter-eng.aspx\" rel=\"nofollow noopener\" target=\"_blank\">FCAC Account Comparison Tool<\/a> compares chequing and savings accounts across roughly 30 institutions on fees, rates and transactions. It&#8217;s free, it&#8217;s neutral, and it isn&#8217;t selling you anything.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"flex flex-col lg:flex-row items-start gap-3 lg:gap-7\">\n\t\t\t\t\t\t<span class=\"tag--filled\">04<\/span>\n\t\t\t\t\t\t<div class=\"lg:pt-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"mb-9 lg:mb-10\">Check the conditions on any headline rate<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xl:text-xl\">\n\t\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t\t\t\t\t<p>EQ&#8217;s 2.75% needs a $2,000 monthly deposit. Tangerine&#8217;s 5.00% is promotional. Wealthsimple&#8217;s 2.25% needs Generation-tier assets. A rate with a condition attached is a different product than a rate without one.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"flex flex-col lg:flex-row items-start gap-3 lg:gap-7\">\n\t\t\t\t\t\t<span class=\"tag--filled\">05<\/span>\n\t\t\t\t\t\t<div class=\"lg:pt-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"mb-9 lg:mb-10\">Confirm the deposit protection<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xl:text-xl\">\n\t\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t\t\t\t\t<p>Look the institution up on CDIC&#8217;s member list. If it isn&#8217;t there under its own name, find out whose licence your money is sitting under.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ol>\n\t\t\t<\/div>\n<\/section>\n\n\n<section  class=\" bg-white section-p\">\n\t<div class=\"container\">\n\n\t\t\t\t\t<header class=\"section-head-center mb-20\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\"><span>Frequently Asked Questions<\/span> About Banks in Canada<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t\t\t\t<ul x-data=\"accordionGroup([0])\">\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(0)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">Which bank is the best in Canada?<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(0)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(0)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(0)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>EQ Bank is the best bank in Canada for most people in 2026, based on our ranking of fees, rates, access and satisfaction. It charges $0 monthly and pays 2.75% on its Personal Account with a $2,000 monthly direct deposit (EQ Bank, 16 Aug 2026). If you need branch access, RBC scores highest among the Big Five.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(1)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">Which bank is #1 in Canada?<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(1)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(1)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(1)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>RBC is the largest Canadian bank and ranked highest for customer satisfaction among the Big Five at 611 out of 1,000 for a second consecutive year (J.D. Power, 2025). It&#8217;s also one of two Canadian banks designated globally systemically important (OSFI).<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(2)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">What are Canada&#8217;s top five banks?<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(2)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(2)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(2)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>Canada&#8217;s five largest banks are RBC, TD, Scotiabank, BMO and CIBC. Adding National Bank of Canada makes the Big Six. All six are designated domestic systemically important banks by Canada&#8217;s banking regulator, which requires them to hold additional capital (OSFI).<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(3)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">Which bank is safest in Canada?<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(3)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(3)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(3)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>All CDIC member banks offer identical deposit protection: $100,000 per depositor, per insured category, across nine categories (CDIC). On institutional strength, RBC and TD carry the highest designation as global systemically important banks (OSFI). A small CDIC-member bank is as safe for your deposit as a large one.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(4)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">Is RBC or TD a better bank?<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(4)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(4)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(4)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>RBC scored 611 out of 1,000 against TD&#8217;s 599 in the most recent satisfaction study, and RBC has the larger Canadian branch network (J.D. Power, 2025). TD wins on branch hours and US cross-border banking. If you spend time in the States, TD. Otherwise, RBC.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(5)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">Is BMO or CIBC better?<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(5)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(5)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(5)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>CIBC edges BMO on satisfaction, 607 to 606, which is a rounding error rather than a real gap (J.D. Power, 2025). BMO is stronger for small-business banking. CIBC is stronger for digital tools and owns Simplii, which lets you pair a big-bank relationship with a $0 account.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(6)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">Which bank has the best service in Canada?<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(6)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(6)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(6)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>Tangerine scored 683 out of 1,000, the highest of any bank in our ranking, and ranked highest in the mid-size segment (J.D. Power, 2025). Mid-size banks averaged 649 against 604 for the Big Five, so the smaller institutions outperformed the large ones across the board.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(7)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">Which bank is giving 7% interest on savings accounts?<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(7)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(7)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(7)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>No Canadian bank pays an ongoing 7% on savings in 2026. The Bank of Canada&#8217;s policy rate is 2.25%, which caps what banks can sustainably pay (Bank of Canada, 15 July 2026). Promotional rates above the ongoing rate exist and expire; Tangerine currently advertises a 5.00% boost for new savings clients (Tangerine, 16 Aug 2026).<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(8)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">Do I need a Canadian credit history to open a bank account?<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(8)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(8)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(8)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>No. Under federal rules you can open a personal deposit account with acceptable identification, even without a credit history or a job. National Bank and RBC both run newcomer packages that waive fees for the first several years and offer a credit card without Canadian credit history. See our <a href=\"https:\/\/hardbacon.ca\/en\/banking\/the-best-accounts-for-newcomers\/\">guide to accounts for newcomers<\/a>.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\n\t\t\n\t<\/div>\n<\/section>\n\n\n\n<section class=\" section-p\">\n\t<div class=\"container-wide bg-surface-pink relative section-p px-5 sm:px-10 lg:px-20 rounded relative lg:flex items-start gap-20\">\n\t\t<div class=\"shrink-0\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/03\/Mathieu-LR-300x300.webp\" width=\"190\" height=\"190\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/03\/Mathieu-LR-768x768.webp 2x\" alt=\"Mathieu Laliberte-Robert\" class=\"avatar avatar-190 wp-user-avatar wp-user-avatar-190 alignnone photo rounded-full mb-7 lg:mb-0\" \/>\t\t<\/div>\n\t\t<div class=\"grow\">\n\t\t\t<div class=\"flex items-end justify-between mb-4 border-b pb-4\">\n\t\t\t\t<h6 class=\"leading-none text-2xl\">Mathieu Laliberte-Robert<\/h6>\n\n\t\t\t\t\t\t\t\t\t<div class=\"absolute lg:static top-16 right-6 items-end flex flex-col lg:flex-row gap-4\">\n\t\t\t\t\t\t<a href=\"mailto:info@plutera.ca\" class=\"whitespace-nowrap button-link-sm-base button-link-outline \" >Email<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<div class=\"mt-8 2xl:flex items-start justify-between\">\n\t\t\t\t\t\t\t\t\t<p class=\"2xl:max-w-[800px]\">Mathieu is a finance and digital marketing professional with experience across banking, investment services, and financial product marketing. He previously worked with organizations such as National Bank, Manulife Securities, and Accenture. He is part of the leadership team at Hardbacon, where he contributes to editorial strategy and financial content aimed at helping Canadians make informed decisions.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n<section  class=\" bg-white section-p\">\n\t<div class=\"container-wide section-p bg-primary-dark rounded py-16 pb-0 md:pb-16 relative overflow-hidden\">\n\t\t<div class=\"px-6 md:px-12 lg:px-20\">\n\t\t\t\t\t\t<header class=\"section-head xl:max-w-[45%]\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px] text-white mb-10\"><span>Compare<\/span> Banks Accounts<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none text-white\">\n\t\t\t\t\t\t<p>Compare fees, rates and features across Canadian banks in a few minutes.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\n\t\t\t\t\t\t\t<div class=\"text-center xl:text-left mb-16 xl:mb-0 mt-28 xl:mt-60\">\n\t\t\t\t\t\t\t<div class=\" \">\n\t\t\t<div class=\"\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/compare\/chequing-accounts\/\" class=\"whitespace-nowrap button-link-base button-link-filled-light \" target=\"_self\" rel=\"noopener noreferrer\">Compare Accounts<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"1\" height=\"1\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/02\/man-1.svg\" class=\"w-full h-auto md:max-w-[75%] md:mx-auto md:rounded-md xl:rounded-none xl:max-w-none xl:w-[50%] xl:absolute xl:h-full xl:object-cover xl:right-0 xl:top-0\" alt=\"man 1\" loading=\"lazy\" \/>\t\t\t<\/div>\n<\/section>\n\n\n\n<section  class=\" bg-white section-p overflow-hidden\">\n\t<div class=\"container-wide\">\n\t\t\t\t\t<header class=\"section-head-center mb-20\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\"><span>Insights<\/span> and Useful Articles<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>Hardbacon makes managing your money easier by combining comprehensive financial tools, unbiased comparisons and personalized insights.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t<div x-data=\"tabs(0)\">\n\t\t\t<div class=\"flex flex-wrap justify-center gap-4 lg:gap-6 mb-20 lg:mb-24 borer-b border-primary-dark\">\n\t\t\t\t\t\t\t\t\t<button  class=\"whitespace-nowrap button-link-sm-base button-link-outline font-regular \" @click=\"setTab( 0 )\" :class=\"isActive( 0 ) ? &#039;bg-primary-accent text-white font-medium&#039; : &#039;&#039;\">Banking<\/button>\t\t\t\t\t\t\t\t\t<button  class=\"whitespace-nowrap button-link-sm-base button-link-outline font-regular \" @click=\"setTab( 1 )\" :class=\"isActive( 1 ) ? &#039;bg-primary-accent text-white font-medium&#039; : &#039;&#039;\">Budget<\/button>\t\t\t\t\t\t\t\t\t<button  class=\"whitespace-nowrap button-link-sm-base button-link-outline font-regular \" @click=\"setTab( 2 )\" :class=\"isActive( 2 ) ? &#039;bg-primary-accent text-white font-medium&#039; : &#039;&#039;\">Investing<\/button>\t\t\t\t\t\t\t\t\t<button  class=\"whitespace-nowrap button-link-sm-base button-link-outline font-regular \" @click=\"setTab( 3 )\" :class=\"isActive( 3 ) ? &#039;bg-primary-accent text-white font-medium&#039; : &#039;&#039;\">Financial planning<\/button>\t\t\t\t\t\t\t<\/div>\n\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<div x-show=\"isActive(0)\" x-transition x-cloak >\n\t\t\t\t\t\t<div class=\"swiper !overflow-visible\" x-data=\"swiper\" x-ref=\"container\">\n\t\t\t\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/banking\/easiest-bank-to-get-a-loan-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/easiest-bank-to-get-a-loan-canada-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"Logos of various banks and credit cards displayed together, representing financial institutions.\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/easiest-bank-to-get-a-loan-canada-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/easiest-bank-to-get-a-loan-canada-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/easiest-bank-to-get-a-loan-canada-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/easiest-bank-to-get-a-loan-canada.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Banking<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 5 Easiest Banks to Get a Loan From in Canada                <\/h3>\n\n                                    <p class=\"excerpt\">If you have ever found yourself in need of a personal loan, you probably found that different banks have different criteria for being approved. When you are in a financial pinch, you want to know exactly which institution will approve\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/banking\/koho-vs-eq-bank\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"768\" height=\"512\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/KOHO-vs-EQ-Bank.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"KOHO vs EQ Bank\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/KOHO-vs-EQ-Bank.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/KOHO-vs-EQ-Bank-300x200.jpg 300w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Banking<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    KOHO vs EQ Bank: Which One Takes the Crown?                <\/h3>\n\n                                    <p class=\"excerpt\">It\u2019s time to compare two of Canada\u2019s leading neobanks &#8211; KOHO vs EQ Bank. Loyalty is an excellent quality to have, except when it comes to your cash. Sticking to one of the Big Five without exploring other options is\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/banking\/best-bank-for-students-in-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/Best-student-bank-account-Canada-1024x683.png\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"Best Banks for Students in Canada\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/Best-student-bank-account-Canada-1024x683.png 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/Best-student-bank-account-Canada-300x200.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/Best-student-bank-account-Canada-768x512.png 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/Best-student-bank-account-Canada.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Banking<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 10 Best Banks for Students in Canada                <\/h3>\n\n                                    <p class=\"excerpt\">The best bank for students in Canada shouldn\u2019t just give you a free account with unlimited transactions, it should reward you too. Why? Because people rarely change banks, even when there are better deals out there. That makes you a\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/banking\/koho-vs-neo-financial\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/KOHO-vs-NEO-Cover-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"Koho vs Neo Financial\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/KOHO-vs-NEO-Cover-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/KOHO-vs-NEO-Cover-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/KOHO-vs-NEO-Cover-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/KOHO-vs-NEO-Cover.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Banking<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    KOHO vs Neo Financial: Who Wins the Battle for Your Buck?                <\/h3>\n\n                                    <p class=\"excerpt\">Both KOHO and Neo are Canadian fintech startups that offer out-of-the-box digital banking services. These two platforms are becoming increasingly popular among millennials and younger Canadians because they provide an alternative to traditional banking with low or no fees, a\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/banking\/online-banks\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Untitled-design-48-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"Online Banks\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Untitled-design-48-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Untitled-design-48-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Untitled-design-48-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Untitled-design-48.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Banking<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 6 Best Online Banks in Canada for 2024                <\/h3>\n\n                                    <p class=\"excerpt\">Online banks are digital institutions that do not rely on physical branches. With lower operating costs than their brick-and-mortar counterparts, online banks are able to pass the savings on to us in the form of lower fees and higher interest\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"relative flex justify-between lg:justify-end items-center mt-7 lg:mt-12\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/category\/banking\/\" class=\"whitespace-nowrap button-link-base button-link-outline lg:absolute-center\">See all news<\/a>\t\t\t\t\t\t\t\t\t\t<div class=\"flex gap-3 lg:gap-none justify-end \">\n\t\t\t<div x-ref=\"prev\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-left.CiTjgOBi.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t\t<div x-ref=\"next\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-right.C81RnIJA.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div x-show=\"isActive(1)\" x-transition x-cloak >\n\t\t\t\t\t\t<div class=\"swiper !overflow-visible\" x-data=\"swiper\" x-ref=\"container\">\n\t\t\t\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/budget\/tariffs-canada-what-costs-more\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/09\/tariffs-label-check-flags-3.webp\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/09\/tariffs-label-check-flags-3.webp 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/09\/tariffs-label-check-flags-3-300x200.webp 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/09\/tariffs-label-check-flags-3-768x512.webp 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Budget<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    Tariffs in Canada, explained: which ones actually raise your prices (and what to do)                <\/h3>\n\n                                    <p class=\"excerpt\">Prices are up, and every headline says &#8220;tariffs&#8221;. But two sets of tariffs are in the news, and only one of them can show up on a store shelf. This guide explains which one reaches your cart, how to tell\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/budget\/couponing-sites-in-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-couponing-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"canadian couponing\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-couponing-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-couponing-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-couponing-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-couponing.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Budget<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 25 Best Canadian Coupon Sites and Apps in Canada                <\/h3>\n\n                                    <p class=\"excerpt\">Whether you need to or just like to save, there are countless canadian coupon sites and apps that offer the same thing: savings, points, coupons, or some combination of the three. In times like these, saving money is at the\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/budget\/sell-gift-cards-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"684\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/adam-winger-b1wqPO2qKUY-unsplash-scaled-e1640027321941-1024x684.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"a group of cards with flowers on them next to a green plant\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/adam-winger-b1wqPO2qKUY-unsplash-scaled-e1640027321941-1024x684.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/adam-winger-b1wqPO2qKUY-unsplash-scaled-e1640027321941-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/adam-winger-b1wqPO2qKUY-unsplash-scaled-e1640027321941-768x513.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/adam-winger-b1wqPO2qKUY-unsplash-scaled-e1640027321941.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Budget<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 5 Best Websites to Sell Gift Cards in Canada                <\/h3>\n\n                                    <p class=\"excerpt\">Gee, thanks for the gift card. I mean, a gift card is a nice gift to receive but it may not always be the right one. There are many reasons why someone may wish to sell gift cards in Canada.\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/budget\/its-time-to-say-goodbye\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/04\/hardbacon-application-financiere-1024x1024.png\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/04\/hardbacon-application-financiere-1024x1024.png 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/04\/hardbacon-application-financiere-300x300.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/04\/hardbacon-application-financiere-150x150.png 150w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/04\/hardbacon-application-financiere-768x768.png 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/04\/hardbacon-application-financiere.png 1079w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Budget<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The End of a Chapter for Hardbacon                <\/h3>\n\n                                    <p class=\"excerpt\">It is with a heavy heart that I write my last post for Hardbacon. Indeed, all employees of Hardbacon (Bacon Financial Technologies Inc.) have been let go, and our operations are now suspended. The company will declare bankruptcy in the\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/budget\/how-much-does-it-cost-to-support-a-future-figure-skating-athlete\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/07\/cout-patinage-artistique-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/07\/cout-patinage-artistique-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/07\/cout-patinage-artistique-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/07\/cout-patinage-artistique-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/07\/cout-patinage-artistique.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Budget<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    How Much Does it Cost to Support a Future Figure Skating Athlete?                <\/h3>\n\n                                    <p class=\"excerpt\">With only 1 in 5 young people in Quebec considered active, the cost of recreational sports is one of the main factors holding them back. Having the support of their parents, on the other hand, acts as a propellant for\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"relative flex justify-between lg:justify-end items-center mt-7 lg:mt-12\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/category\/budget\/\" class=\"whitespace-nowrap button-link-base button-link-outline lg:absolute-center\">See all news<\/a>\t\t\t\t\t\t\t\t\t\t<div class=\"flex gap-3 lg:gap-none justify-end \">\n\t\t\t<div x-ref=\"prev\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-left.CiTjgOBi.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t\t<div x-ref=\"next\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-right.C81RnIJA.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div x-show=\"isActive(2)\" x-transition x-cloak >\n\t\t\t\t\t\t<div class=\"swiper !overflow-visible\" x-data=\"swiper\" x-ref=\"container\">\n\t\t\t\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/investing\/best-options-trading-platforms-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/best-options-trading-platform-canada-1024x683.png\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"a black square with white text on it next to a pen and calculator\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/best-options-trading-platform-canada-1024x683.png 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/best-options-trading-platform-canada-300x200.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/best-options-trading-platform-canada-768x512.png 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/best-options-trading-platform-canada.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Investing<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 8 Best Options Trading Platforms in Canada                <\/h3>\n\n                                    <p class=\"excerpt\">Navigating the labyrinthine world of options trading can be a daunting task in Canada. From the uninitiated beginner to the seasoned investor, everyone needs a reliable platform that aligns with their trading goals, offers robust tools, and doesn\u2019t break the\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/investing\/questrade-vs-wealthsimple\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/04\/Questrade-VS-Wealthsimple.webp\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/04\/Questrade-VS-Wealthsimple.webp 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/04\/Questrade-VS-Wealthsimple-300x200.webp 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/04\/Questrade-VS-Wealthsimple-768x512.webp 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Investing<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    Questrade VS Wealthsimple: Which Online Broker Should You Choose?                <\/h3>\n\n                                    <p class=\"excerpt\">Online brokerage has grown in popularity in recent years, driving down trading costs between fiercely competitive platforms. There are now a wide variety of online brokers on the Canadian market, with different prices, features and tools. With the arrival of\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/investing\/a-review-of-wealthsimple\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"624\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Wealthsimple-Trade-1024x624.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"review of wealth simple\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Wealthsimple-Trade-1024x624.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Wealthsimple-Trade-300x183.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Wealthsimple-Trade-768x468.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Wealthsimple-Trade-1536x936.jpg 1536w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Wealthsimple-Trade.jpg 1600w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Investing<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    A review of Wealthsimple                <\/h3>\n\n                                    <p class=\"excerpt\">Wealthsimple is an online investing service founded by Michael Katchen in 2014 in Toronto. Today the company has over $70 billion in assets under administration. Wealthsimple stood out from the start by offering smart and simple investing without the high\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/investing\/the-ultimate-guide-to-etfs-in-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/austin-distel-EMPZ7yRZoGw-unsplash-scaled-e1629215101595-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"exchange traded funds\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/austin-distel-EMPZ7yRZoGw-unsplash-scaled-e1629215101595-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/austin-distel-EMPZ7yRZoGw-unsplash-scaled-e1629215101595-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/austin-distel-EMPZ7yRZoGw-unsplash-scaled-e1629215101595-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/austin-distel-EMPZ7yRZoGw-unsplash-scaled-e1629215101595.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Investing<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    Understanding Canadian ETFs to Increase your Wealth                <\/h3>\n\n                                    <p class=\"excerpt\">Exchange-traded funds (ETFs) are the new darling of self-directed investors. Although they were first introduced several years ago, the democratization of investing has made it easier than ever to buy ETFs. Are ETFs really beneficial? What are their limitations? How\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/investing\/guide-to-rrsp-in-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/rrsp-e1645039724891-1024x683.png\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"RRSP- a yellow piggy bank with a coin and a dollar sign\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/rrsp-e1645039724891-1024x683.png 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/rrsp-e1645039724891-300x200.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/rrsp-e1645039724891-768x512.png 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/rrsp-e1645039724891.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Investing<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    How to Use the RRSP to Save on Taxes and Retire Rich                <\/h3>\n\n                                    <p class=\"excerpt\">A registered retirement saving plan (RRSP) is, for most of us, the first step towards saving for our golden years. The RRSP is a registered investment account that carries many tax benefits. The primary purpose is to shelter a portion\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"relative flex justify-between lg:justify-end items-center mt-7 lg:mt-12\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/category\/investing\/\" class=\"whitespace-nowrap button-link-base button-link-outline lg:absolute-center\">See all news<\/a>\t\t\t\t\t\t\t\t\t\t<div class=\"flex gap-3 lg:gap-none justify-end \">\n\t\t\t<div x-ref=\"prev\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-left.CiTjgOBi.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t\t<div x-ref=\"next\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-right.C81RnIJA.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div x-show=\"isActive(3)\" x-transition x-cloak >\n\t\t\t\t\t\t<div class=\"swiper !overflow-visible\" x-data=\"swiper\" x-ref=\"container\">\n\t\t\t\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/financial-planning\/free-canadian-tax-softwares\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"719\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-tax-software-featured-imagw-1024x719.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"Desk with tax forms and calculator for financial planning\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-tax-software-featured-imagw-1024x719.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-tax-software-featured-imagw-300x211.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-tax-software-featured-imagw-768x540.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-tax-software-featured-imagw.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Financial planning<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 5 Best Free Canadian Tax Softwares                <\/h3>\n\n                                    <p class=\"excerpt\">For most people, doing their taxes is a thankless task. Fortunately, there are free tax software programs that make it easy to calculate and file your taxes online. We recommend that you choose a software that is easy to use,\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/financial-planning\/best-tax-return-software-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/best-tax-return-software-canada-1-1024x683.png\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/best-tax-return-software-canada-1-1024x683.png 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/best-tax-return-software-canada-1-300x200.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/best-tax-return-software-canada-1-768x512.png 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/best-tax-return-software-canada-1.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Financial planning<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 6 Best Tax Return Software in Canada                <\/h3>\n\n                                    <p class=\"excerpt\">To file quickly, easily, and without a blinding migraine, choosing the best tax return software in Canada is crucial. Tax season is the most dreaded time of year, with many of us hoping to bypass the annual state of confusion\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/financial-planning\/old-age-security\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Background-24-1024x683.png\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"Guide to old age security in 2023\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Background-24-1024x683.png 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Background-24-300x200.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Background-24-768x512.png 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Background-24.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Financial planning<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The New Guide to Old Age Security                <\/h3>\n\n                                    <p class=\"excerpt\">What is Old Age Security? Times are tough, especially when you stop working. Your income goes down while prices go up. Old Age Security (OAS), sometimes called Old Age Pension, is money you might receive from the government when you\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/financial-planning\/cost-of-divorce-in-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/cost-of-divorce-in-canada-1024x683.png\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"A man and woman standing face to face, displaying depression and anxiety between them\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/cost-of-divorce-in-canada-1024x683.png 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/cost-of-divorce-in-canada-300x200.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/cost-of-divorce-in-canada-768x512.png 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/cost-of-divorce-in-canada.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Financial planning<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    What Is the Cost of a Divorce in Canada?                <\/h3>\n\n                                    <p class=\"excerpt\">Going through a divorce can drain you emotionally and financially. By understanding the costs involved, you can decide what to fight for and what to do yourself. In Canada, divorce costs can vary from $1,000 to $25,000 and up, depending\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/financial-planning\/staycation-tax-credit\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/yulia-matvienko-cx-DYkcF_7w-unsplash-scaled-e1649770304844-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"Ontario staycation tax credit\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/yulia-matvienko-cx-DYkcF_7w-unsplash-scaled-e1649770304844-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/yulia-matvienko-cx-DYkcF_7w-unsplash-scaled-e1649770304844-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/yulia-matvienko-cx-DYkcF_7w-unsplash-scaled-e1649770304844-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/yulia-matvienko-cx-DYkcF_7w-unsplash-scaled-e1649770304844.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Financial planning<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    Ontario Staycation Tax Credit: What You Need To Know in 2022                <\/h3>\n\n                                    <p class=\"excerpt\">If you are a resident of Ontario and are planning a short trip anytime soon, you may consider opting for a staycation in the province. At least you get to receive some money back from the Ontario government for enjoying\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"relative flex justify-between lg:justify-end items-center mt-7 lg:mt-12\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/category\/financial-planning\/\" class=\"whitespace-nowrap button-link-base button-link-outline lg:absolute-center\">See all news<\/a>\t\t\t\t\t\t\t\t\t\t<div class=\"flex gap-3 lg:gap-none justify-end \">\n\t\t\t<div x-ref=\"prev\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-left.CiTjgOBi.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t\t<div x-ref=\"next\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-right.C81RnIJA.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/section>\n\n\n\n<section  class=\" bg-primary-dark section-p\">\n\t<div class=\"container-wide bg-white section-p  rounded py-16 pb-0 md:pb-16 relative overflow-hidden\">\n\t\t<div class=\"mb-20 xl:mb-0 px-6 md:px-12 lg:px-20 xl:max-w-[50%] 2xl:max-w-[45%]\">\n\t\t\t\t\t\t<header class=\"section-head mb-20\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\">Your Financial Journey Starts <span>Here<\/span><\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>Sign up for our newsletter and take control of your money, your way. Access exclusive tips, tools and personalized insights delivered straight to your inbox.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t\t<div class=\"mt-18\" x-data=\"newsletterSubscribe\">\n\t\t\t\t<form x-show=\"!submitted\" class=\"max-w-[650px] mx-auto\" @submit.prevent=\"onSubmit\">\n\t\t\t\t\t<!-- Step 1 -->\n\t\t\t\t\t<div class=\"flex flex-col gap-4 items-start\" x-show=\"step === 1\" x-cloak>\n\t\t\t\t\t\t<label for=\"newsletter-privince\" class=\"font-medium text-lg\">Select your province<\/label>\n\t\t\t\t\t\t<select x-model=\"province\" name=\"province\" id=\"newsletter-privince\" class=\"shadow-(--shadow) rounded-(--radius-2xl) h-[66px] bg-white px-6 focus:outline-none w-full\">\n\t\t\t\t\t\t\t<option value=\"\" disabled>Your province<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"ab\">Alberta<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"bc\">British Columbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"mb\">Manitoba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"nb\">New Brunswick<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"ns\">Nova Scotia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"on\">Ontario<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"pe\">Prince Edward Island<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"qc\">Quebec<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"sk\">Saskatchewan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/select>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<!-- Step 2 -->\n\t\t\t\t\t<div class=\"flex flex-col gap-4 items-start\" x-show=\"step === 2\" x-cloak>\n\t\t\t\t\t\t<span class=\"font-medium text-lg\">What are you looking for?<\/span>\n\t\t\t\t\t\t<div class=\"flex flex-wrap gap-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t<input x-model=\"interests\" type=\"checkbox\" id=\"newsletter-interest-SAVE_MONEY\" name=\"interests[]\" value=\"SAVE_MONEY\" class=\"sr-only 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name=\"interests[]\" value=\"INSURANCE\" class=\"sr-only peer\">\n\t\t\t\t\t\t\t\t<label for=\"newsletter-interest-INSURANCE\" class=\"inline-flex rounded-xl py-3 px-6 border-2 border--primary-dark text-primary-dark peer-not-checked:hover:text-primary-accent peer-checked:bg-primary-dark peer-checked:text-white cursor-pointer font-medium\">Insurance<\/label>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t<input x-model=\"interests\" type=\"checkbox\" id=\"newsletter-interest-HOMEOWNERSHIP\" name=\"interests[]\" value=\"HOMEOWNERSHIP\" class=\"sr-only peer\">\n\t\t\t\t\t\t\t\t<label for=\"newsletter-interest-HOMEOWNERSHIP\" class=\"inline-flex rounded-xl py-3 px-6 border-2 border--primary-dark text-primary-dark peer-not-checked:hover:text-primary-accent peer-checked:bg-primary-dark peer-checked:text-white cursor-pointer font-medium\">Homeownership<\/label>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t<input x-model=\"interests\" 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