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FAQs: Tangerine Chequing Account


Are there any fees associated with the Tangerine Chequing Account?

We don’t charge daily banking fees (yes, you read that correctly), which means you don't have to pay a fee just for going about your everyday banking. We do want you to be aware of certain instances (they don’t happen often) where fees will apply:

  • Canadian Drafts (includes courier or pick-up at Café) - $10/draft

  • NSF (Non-Sufficient Funds) – returned cheques & Pre-Authorized Payments, or other transactions debiting your Account - $40

    • A Non-Sufficient Funds situation occurs when there aren’t sufficient funds in your Account for a transaction you’ve authorized.

  • Stop cheque payment (applies to Tangerine Chequing and cheques only) - One free per year, then $10 each after that.

  • Your first Tangerine Chequing Account cheque book is free. Subsequent cheque books (50 per book) are $20.

  • Returned Item - $4

    • A Returned Item is an item, such as a cheque, that has been deposited to your Account and didn't clear.

  • 1 Year Inactivity Fee - $10

    • An Account is considered inactive when there are no transactions over a period of 12 months. Transactions include but are not limited to:

      1. Deposits

      2. Withdrawal

      3. Bill Payment (withdrawn from the Chequing Account)

      4. Email Money Transfer

      5. Reversals

  • Dormancy Fee - $40

    • An Account is considered dormant if it has had no activity for 2 years. Accounts that are dormant for 10 years must be turned over to the Bank of Canada, at which point a $40 fee is deducted from each Account turned over. To prevent this fee and reactivate your Account(s), all you need to do is log in with your Client Number and PIN.


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Will I earn any interest on the money I have in my Tangerine Chequing Account?

Interest is earned on all account balances in your Tangerine Chequing Account. Your money is actually working for you and not being nickel and dimed away! Interest is calculated daily and paid monthly.


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Is there a charge to use my Tangerine Chequing Account for Interac® debit purchases?

Nope. You get unlimited Interac® debit purchases with your Tangerine Chequing Account.


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How do I transfer my payroll direct deposits to my Tangerine Chequing Account?

  1. Log in, if you aren't already logged in.

  2. Click your name near the top of the screen, then click 'Forms'.

  3. You'll find the Direct Deposit Form at the top of the list. Click the ‘View’ button near the form name.

  4. Follow instructions to complete process.


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How do I set up a Pre-Authorized Payment?

Pre-Authorized Payments from your Chequing Account need to be arranged with the merchant or payee. They’ll need your Account information, and may ask you to complete a form or provide a void cheque. Here’s how you can print a void cheque:

  1. Log in, if you aren't already logged in.

  2. Click your Chequing Account.

  3. Click the 'Void Cheque' button, and you'll get a PDF that you can print out.


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How do I make my Tangerine Chequing Account joint?

If you already have a Tangerine Chequing Account, call us at 1-888-826-4373 and we’ll help you add the joint Account holder. We’re here 24 hours a day, 7 days a week.

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How do I order new cheques on the Tangerine website?

Once you’re logged in, go to the Chequing Account you’d like to order cheques for. Click the ‘Order Cheques’ button, which appears near the top of the screen, under the balance information.


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How do I get and use my Tangerine Client Card?

We'll mail you a Tangerine Client Card, which should arrive within a week of opening your Tangerine Chequing Account. Your Card's PIN will arrive in a separate mailer a few days after you receive the Card.

Once you've activated your Tangerine Client Card, you can access your Account by choosing ‘Chequing’ at any ABM. You can make deposits and withdrawals for free at any Tangerine ABM and you can access your Account at over 3,500 Scotiabank ABMs across Canada. Use our ABM Locator to find a machine near you.

You won't be able to access your Tangerine Savings Account using your Card. However, you can withdraw US funds from your US Savings Account at any of our Tangerine ABMs.

Your Tangerine Client Card is also good for unlimited Interac® debit purchases from your Chequing Account.

If you use any other ABM, you'll be charged a $1.00 fee. The other bank may also charge a convenience fee for using their machine.


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Will a hold be placed on my deposit?

As soon as your money has been deposited to Tangerine, it'll begin to earn interest immediately, even before the money arrives from the other bank. We may place a hold on your deposit while it's processed and until the funds clear. In most instances, at least $100 of each cheque you deposit will be available for withdrawal once deposited. When using an ABM, please deposit each cheque in separate envelopes to gain access to these funds immediately.

More information about our hold policy is available here.

To view details about any deposits that might currently be on hold in your Chequing Account, log in (if you aren’t already logged in), go to the Account Details and then click ‘Holds and Overdrafts’. 


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How do I delete my external account or add a new one?

To delete an existing linked account

  1. Log in, if you aren't already logged in.

  2. Click your name near the top of your screen and go to 'Profile & Settings'. Click the 'External Accounts' tab.

  3. Hit Delete beside the linked account you'd like to remove, and then confirm.

To link an external account to your Tangerine Account:

  1. Log in, if you aren't already logged in.

  2. Click your name near the top of your screen and go to 'Profile & Settings'. Click the 'External Accounts' tab.

  3. Hit 'Add Account' and follow the steps to add the account.


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 I lost my PIN that gives me access to my Account by telephone and online. How can I retrieve it?

You can reset your PIN either on the phone or online. Before we reset your PIN, we’ll ask a few security questions to make sure it’s really you.

To reset your PIN online

  1. Click ‘I'm a Client, Let Me In’, enter your Client Number and click ‘Log Me In’.

  2. When you reach the point where you’d normally enter your PIN, click the link ‘Forgot your PIN?’.

  3. Enter the personal information requested, then click ‘Next’.

  4. Your old PIN is now deactivated. Enter a new PIN, then click ‘Next’.

  5. Your PIN will be reset, and you'll have immediate access to your Tangerine Accounts, both online and by phone.

To reset your PIN over the phone:

Call us at 1-888-826-4374. When your PIN has been reset, you'll have immediate access to your Tangerine Accounts, both online and by phone.


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How long does it take for payees to receive funds?

Unless they are set up in advance, all bill payments are posted the next business day. Keep in mind that weekends and holidays are not considered business days, so if the date lands on a weekend or holiday, your payment will go out on the next business day.

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How do I register a bill to pay online?

Here's how you can set up bills to pay online:

  1. Log in, if you aren't already logged in.

  2. Click Bills near the top of your screen, and then hit Add Bills.

  3. Enter the bill payee’s name. If it appears in the list, select it. If not, try recommending it to us, and we'll see if we can get it included on our list.

  4. Provide a nickname and the account number of the bill, and click Submit

  5. Your payee will now display in your payee list.

If you’d like to make a payment, enter the amount you'd like to pay and click Submit. Confirm your bill payment details, and your payment will be sent the following business day.

Here's a tip: Pay your bill 2-3 business days before your due date to ensure that your bill is paid on time. Remember that different payees have different bill processing times.


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How is a regular Email Money Transfer (EMT) different from an Interac® e-Transfer?

Interac® e-Transfer

  • Interac® e-Transfer is a service provided by Interac®. They charge for the service.

  • The banks using the service have the ability to transfer money using an email address almost instantly between each other without any holds.

Email Money Transfer (EMT)

  • A regular Email Money Transfer (EMT) does not transfer funds instantly because it uses the regular Electronic Funds Transfer (EFT) procedure.

  • Funds arrive in the recipient's account 2-3 business days after the EMT is accepted – just like an Electronic Funds Transfer (EFT).

  • Note: Both Interac® e-Transfer and regular EMT have very similar daily, weekly and monthly limits for sending and receiving.


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Can I use Interac® e-Transfer with my Tangerine Chequing Account?

Yes. Your Tangerine Chequing Account can be used to send or receive money by Interac® e-Transfer. Receiving an Interac® e-Transfer is free, and you can send Interac® e-Transfers instantly to others for $1.00 each.

To send an Interac® e-Transfer :

  1. Log in, if you aren't already logged in.

  2. Click ‘Email Money’.

  3. Select the Interac® e-Transfer option, and provide the transfer details.

  4. Click 'Next' and confirm the details.


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I have to cancel my Interac® e-Transfer. Can I get my $1.00 fee back?

As much as we'd like to, we can't undo the Interac® e-Transfer $1.00 fee, even for cancelled transfers.


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When does the money I'm transferring actually come out of my Account?

When you send a Tangerine Email Money Transfer or an Interac® e-Transfer, the transfer amount will come out of your account immediately.


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How do I transfer money from my linked account at my other bank to my Tangerine Account?

Moving money between your Tangerine Account and your account at your other bank is very easy. Transfers between your two accounts are called Electronic Funds Transfers (EFT). An EFT takes 1 - 2 business days. Here's how you do it:

  1. Log in, if you're not already logged in.

  2. Click ‘Move Money’ in the top right corner of your screen.

  3. Enter the details, hit 'Next', and then confirm.

When you go to 'Move Money', if you don't see the external account you're looking for, click 'Check your external account settings'.

You can also request a transfer over the phone: 1-888-826-4374. It's easy to do by following the prompts.

Please remember that to transfer money into and out of your Tangerine Account, you need both your Client Number and PIN.


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How much money can I transfer into and out of my Tangerine Chequing Account using Interac® e-Transfer?

Transfer out your account Transfer into your Account
Daily Maximum $3,000 $10,000
Weekly Maximum $10,000 $10,000
Monthly maximum $20,000 $300,000

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Which ABMs can I use to make deposits and withdrawals?

You can make deposits and withdrawals for free at any Tangerine ABM and at any Scotiabank Branch ABM. You can withdraw your money for free nation-wide at over 3,500 ABMs on the Scotiabank® ABM Network including those at 7-Eleven, Quickie convenience stores, Cineplex Theatres and Couche-Tard. You can use our ABM Locator to find a machine near you and see what functions are available at each ABM.

If you love to travel, Scotiabank's membership in the Global ATM Alliance also means you won't pay surcharges or access fees when you withdraw cash from nearly 50,000 cash machines in over 40 countries worldwide.

You can also use Cheque-In to deposit cheques on the spot. Cheque-In is a feature of our Mobile Banking app that lets you deposit cheques instantly using your smartphone or tablet. In a few simple steps, you can capture the cheque image, deposit it, and begin earning interest.


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If I deposit a cheque at an Automatic Banking Machine (ABM), when is the deposited money available for withdrawal?

When you deposit cheques at a Tangerine ABM, or at a Scotiabank Branch, the funds may be on hold for up to five (5) business days after the day of the cheque deposit. During that time, we may limit the amount you are allowed to withdraw in accordance with applicable laws.


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If I deposit a cheque into a joint account at an ABM, when is the deposited money available for withdrawal?

If a joint Account holder makes a cheque deposit into the Account, the funds may be on hold for up to five (5) business days after the day of the cheque deposit. During that time, we may limit the amount of money that either Account holder is allowed to withdraw in accordance with applicable laws.


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What should I do if I want to use my Card outside Canada?

Your Tangerine Client Card gives you access to Scotiabank's membership in the Global ATM Alliance. This means you’ll pay no surcharges or access fees when you withdraw cash from nearly 50,000 cash machines in over 40 countries worldwide.

If you'd like to use your Tangerine Client Card for ABM transactions while you travel outside Canada, it's best to call us and let us know before you leave home.

Some countries present a high risk of debit card fraud, so for your protection, Card use has been temporarily restricted or blocked in these parts of the world. If you're planning to travel outside Canada, to prevent any potential issues during your trip, please call us in advance and make sure your Card can be used for ABM transactions in the area you'll be visiting.


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What if I have Card problems while I'm outside Canada?

If you have any issues with your Card while you're out of the country, please call us collect at 416-758-3139.


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What is Overdraft Protection?

Overdraft Protection is a feature that can be added to Tangerine Chequing Accounts to help cover occasional shortfalls in your Account. It covers most everyday transactions, including cash withdrawals, pre-authorized payments, cheques and debit purchases, up to your approved limit. If your Account is short of funds, your Overdraft Protection will automatically kick in to help you avoid having transactions declined or being charged a Non-Sufficient Funds (NSF) fee.


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How can I apply for Overdraft Protection?

To apply for Overdraft Protection on your Tangerine Chequing Account:

  1. Log in, if you aren't already logged in.

  2. Click your Tangerine Chequing Account and go to 'Holds and Overdraft', below your balance and 'Account Actions'.

  3. Click 'Apply' in the Overdraft Protection section.

  4. Complete and submit the application form.

When you apply for Overdraft Protection on a joint Tangerine Chequing Account, both Account holders will need to agree to add the feature. If you have a joint Chequing Account, follow the steps above. Once you submit your application, we’ll send a request to the other Account holder to consent to the coverage.


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Will Tangerine perform a credit bureau check on me if I apply for Overdraft Protection?

Yes. Approval for Overdraft Protection is subject to a credit bureau check (for each Account holder in the case of joint Chequing Accounts).


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When will I know if I’m approved for Overdraft Protection?

Once you apply for Overdraft Protection, it takes up to 2 business days for us to process your application and let you know whether you’ve been approved.


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What fees are associated with Overdraft Protection?

If the negative balance on your Account remains unpaid at the end of the day, you’ll be charged a $5.00 fee. We’ll only charge a maximum $5.00 fee per month, so if your Account becomes overdrawn again within the same month, you won’t incur another fee.

If you’re still in a negative balance at the end of the month, you’ll be charged another $5.00 fee at the beginning of the next month. For example, if you go into overdraft on October 15th and don’t pay back the amount by the end of that day, you’ll be charged a $5.00 fee. If your Account is still in a negative balance on November 1st, you’ll be charged a $5.00 fee at the end of that day. Subsequent $5.00 charges will continue to apply monthly while your balance remains negative, until it’s paid back in full. The Overdraft fee is in addition to Overdraft interest charges, as outlined in the question below.


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How is interest charged?

Interest, calculated daily at 19.00% (per annum), will start to accrue based on the end-of-day balance, and will be charged monthly until the negative balance is paid back in full.


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How does your Overdraft Protection compare to what other banks offer?

Most banks offer 2 options for overdraft protection: a “pay-per-use” option and a monthly set-fee option. We believe that you shouldn’t have to pay for the coverage if you don’t use it, which is why our Overdraft Protection won’t charge you a monthly fee, unless you use the coverage.

Interest on our Overdraft Protection is 19.00%, which is on the low end of what banks typically charge. Other banks charge up to 22% in overdraft interest. In addition, we won’t charge you more than a $5.00 fee per month if you use the coverage.


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How can I avoid being charged a fee or interest?

We’ll send you an email letting you know right away if your Account is overdrawn. If you pay the overdrawn amount by the end of the day, no fees or interest charges will kick in.


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How does Tangerine define “end of the day”?

As it relates to Overdraft Protection, we consider “end of the day” as 11:59pm ET.


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How do I cancel my Overdraft Protection?

To cancel the Overdraft Protection on your Tangerine Chequing Account:

  1. Log in, if you aren't already logged in.

  2. Click your Tangerine Chequing Account and go to 'Holds and Overdraft', below your balance and 'Account Actions'.

  3. Click 'Cancel Overdraft' in the Overdraft Protection section, and then confirm.

You can cancel your Overdraft Protection at any time, although you'll still be responsible for paying any outstanding overdrawn balances on your Account before the coverage can be cancelled.

If you have any further questions about our Overdraft Protection feature, feel free to give us a call at 1-888-826-4374.


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I just got my Tangerine Client Card with Interac Flash. What do I do next?

When you get your Tangerine Client Card, you'll need to follow the instructions to activate the Card before using it. You can find the activation instructions on the sticker on the front of your Card.

Once your Client Card is activated, you can use it to make your first purchase. For your first purchase, you'll be asked to insert your Card into the chip reader and enter your PIN. After that transaction, the Interac Flash feature on your Card will then become available. When you make your next purchase under $100 at a participating retailer, you'll be able to pay by simply holding your Client Card in front of the reader at the checkout.


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How do I get a Tangerine Client Card with Interac Flash?

If you already have a Tangerine Chequing Account, you can request a Client Card with Interac Flash in January 2017 by calling us at 1-888-826-4374.

If you don't have a Tangerine Chequing Account, you'll need to open one to get a Client Card with Interac Flash. You can open a Chequing Account online or at a Tangerine Café, Pop-up or Kiosk location.


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What if I don't want Interac Flash enabled on my Tangerine Client Card?

Call us at 1-888-826-4374 to let us know that you'd like to have Interac Flash disabled on your Client Card.


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Where can I pay using Interac Flash?

At participating Interac Flash merchants across Canada. Just look for the Interac Flash logo at the checkout.


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Will there be times when I won't be able to use Interac Flash and will have to enter my PIN instead?

Most of the time, you'll be able to use Interac Flash, and not have to enter your PIN, when paying for purchases under $100. It's possible that some stores could have lower limits, and they may ask you to insert your Card into the chip reader and enter your PIN to pay for purchases under $100.

Other times when you'll need to enter your PIN:

  • The first time you make a purchase using your Tangerine Client Card.

  • Whenever you make a purchase more than $100.

  • When you've reached a maximum of $200 in cumulative Interac Flash payments. This is a safety measure to help ensure you're the one using the Interac Flash feature on your Client Card. When you've reached this point, and have completed a transaction by entering your PIN, your Client Card will reset, so that you can continue using Interac Flash to pay for purchases under $100.


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Is there a fee for using the Interac Flash feature on my Tangerine Client Card?

No. Using Interac Flash counts as regular debit purchases, which are free and unlimited with your Tangerine Chequing Account.


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Can I use Interac Flash outside of Canada?

No, currently Interac Flash is only accepted at merchants in Canada who display the Interac Flash logo.


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Is Interac Flash on my Tangerine Client Card safe?

Interac Flash comes with several precautions to help protect you from fraud and limit potential risks:

  • Each Interac Flash purchase is limited to a $100 maximum.

  • Every time you reach a maximum of $200 in cumulative Interac Flash payments, you'll be prompted to insert your Card into the chip reader and enter your PIN to complete the transaction. This is a safety measure to help ensure you're the one using the Interac Flash feature on your Client Card.

  • All debit purchases, including those made using your Client Card's Interac Flash feature are protected by Interac's Zero Liability Policy.

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