No-fee daily Chequing Account

No fees‡ for daily transactions
Free access to 3,500+ ABMs

Daily Chequing fees^‡

Up to [[CHQ.RATE.MAX]]†

Interest rate

Benefits & Features

Benefits of our Client Card with Visa Debit

No monthly Account fees with no minimum balance

You don’t have to keep a bunch of money in the Account just to avoid a fee. No monthly fee means no monthly fee at all.

Free Interac e-transfer® transactions

Send money securely within Canada, directly from your Account. And when you register for Autodeposit, any money sent to you via Interac e-Transfer is deposited into your Account automatically.

Shop with confidence

With Interac & Visa* Debit Zero Liability protection, you’re protected from unauthorized purchases.

Unlimited number of daily transactions

This includes an unlimited number of debit purchases, bill payments, and pre-authorized transactions.

Direct deposit and pre-authorized payments

When you have your pay deposited in to your Account and pre-authorized payments taken automatically from your Account, you enjoy instant access to your deposited money along with worry-free payments.

Free ABM access

Free access to 3,500+ Scotiabank ABMs nationwide and 44,000 ABMs worldwide through Scotiabank’s Global ATM Alliance.⁶

Find your nearest ABM

Mobile Wallets

Add your Tangerine Client Card and Credit Card to your Apple Pay, Google Pay, and Samsung Pay mobile wallets and use it where contactless payments are accepted

Where are the fees?

You won’t pay any fees for your daily chequing transactions. For other transactions, a fee may apply.
View the complete list of Account fees.

Online daily banking	Free
Interac e-Transfer®	Free
First cheque book with 50 cheques	Free
Additional cheque books	$50 each
1 free stop payment	per year, $12.50 each thereafter
Replacement Card	Free
Canadian drafts	$10
Non-Sufficient Funds	$10
ABM deposits / withdrawals	Free
Other ABM withdrawals in Canada	$1.50
Other ABM withdrawals worldwide (not part of Global ATM Alliance¹)	$3
Foreign Currency Conversion Fee⁷	2.50% added to the exchange rate, and reflected in the converted Canadian dollar amount of the transaction

This is in line with our commitment on Low-Cost and No-Cost Accounts. For more information on the commitment please visit Commitment on Low-Cost and No-Cost Accounts. Additionally, you can access the Financial Consumer Agency of Canada (FCAC) Account Comparison Tool to compare bank accounts here.

Current Interest Rates

Current per year interest rate since [[CHQ.DATE.1]].

$0.00 - $49,999.99	[[CHQ.RATE.1]]†
$50,000.00 - $99,999.99	[[CHQ.RATE.2]]†
$100,000.00 - $499,999.99	[[CHQ.RATE.3]]†
$500,000.00 +	[[CHQ.RATE.4]]†

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^† Savings Account, Chequing Account, and GIC interest rates expressed on this website are annual interest rates and are current as of today's date. Interest rates are subject to change without notice. Interest is calculated daily and paid monthly on our Savings and Chequing Accounts. GIC terms of one year or longer have interest calculated on the basis of 365/366 days and compounded and/or paid annually. GIC terms of less than one year have interest calculated on the basis of 365/366 and paid at maturity.

⁶Tangerine will waive the ABM Withdrawal Fee and Global ATM Alliance members will waive any surcharge fees for withdrawal transactions performed at a Scotiabank or Global ATM Alliance machine with your Tangerine Client Card. Some exclusions apply; see our Fee Schedule for details. The current Fee Schedule can be found at tangerine.ca/feeschedule.

^*Trademark of Visa International Service Association and used under license

^‡Pay no fees for everyday Chequing transactions. For non-standard transactions, a fee may apply.

⁷Full terms and conditions are outlined in the Account Terms and Client Card Cardholder Agreement available to you on our website at tangerine.ca.

Interac and Interac e-Transfer are registered trademarks of Interac Corp, used under licence.

Cheque-In^® is a registered trademark of Tangerine Bank.

^® ApplePay is a registered trademark of Apple Inc., registered in the U.S. and other countries.

^™ Google Pay is a trademark of Google LLC.

^® Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.

³ Some conditions may apply. Service is subject to availability and successful digital verification.

⁴ As of Mar 10, 2026 there were 49.9K reviews with an average rating of 4.5 from the Google Play Store and 77K reviews with an average rating of 4.7 from the App Store.

^® App Store is a registered trademark of Apple Inc., registered in the U.S. and other countries.

^™ Google Play is a trademark of Google LLC.

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