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New Client Offer: Switch your payroll deposits and you could get $250.1 Learn More

No-fee daily Chequing Account

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

$0

Daily Chequing fees‡

Up to [[CHQ.RATE.MAX]]†

Interest rate

Offer Ending:

Score up to $500 before it’s gone1

Become a Client. Then cash in with a few smart money moves to new Tangerine Accounts. Get Offer Now

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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.

Limited Time Offer

Score up to $500 before it’s gone¹

Become a Client. Then cash in with a few smart money moves to new Tangerine Accounts. It’s no risk, all reward.

 

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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

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Monthly Account fees? No thanks.

If you pay per month with your current bank, then by switching to Tangerine today, in years you’d save:*
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*Estimator tool is for demonstration purposes only and should not be relied upon as financial or other advice. Calculations are estimates only based on the information you provide and assume no fees for non-standard transactions are incurred in the Tangerine Chequing Account. Actual savings may vary. All rates, fees, features, offers and benefits and related terms and conditions are subject to change.

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1 The Tangerine New Client Payroll & Extra Bonus Offer (the “Offer”) is available to new Clients who(se) Client Number was created between July 8, 2025 and July 21, 2025. 

To earn a cash Bonus of $250 (“Bonus”) an eligible Client must: (a) open a Tangerine Chequing Account as the Primary Account Holder within 60 days of the date their Client Number was created; and (b) set up eligible payroll direct deposits within 60 days of the date their Chequing Account was opened. The Bonus will be paid to the new Client’s Tangerine Chequing Account provided that: (i) the full amount of their payroll direct deposits is deposited; (ii) payroll direct deposits total a minimum of $200 on a monthly basis; (iii) the first eligible payroll direct deposit is received in their Account within 60 days of successfully opening the Chequing Account; and (iv) their subsequent eligible payroll direct deposits continue for at least 2 consecutive months. The Bonus will be paid to the Client’s Tangerine Chequing Account in the subsequent month following the satisfaction of the Offer conditions. Limit of one Bonus per Primary Account Holder.

To earn an additional cash Bonus of $250 (“Extra Cash Bonus”), in addition to satisfying all of the terms and conditions above for the Bonus, within 30 days of the date their Client Number was created, the eligible Client must: (a) open a new Eligible Registered Account, and (b) deposit at least $3,000 into the new Eligible Registered Account and maintain it for at least 3 consecutive months. The Extra Cash Bonus will be paid to the Client’s Tangerine Chequing Account within 30 days after the conditions in the paragraph above have been satisfied. Tangerine RIF Accounts, RSP Investment Fund Accounts and Tax-Free Investment Fund Accounts don’t qualify as Eligible Registered Accounts under this Offer. Limit of one Extra Cash Bonus per Client.

By accepting this Offer, you agree to the terms and conditions of this Offer. Offer may be changed, extended or cancelled without notice. Full Offer Terms and Conditions, including definitions of any capitalized terms, are available here.

1 The Tangerine New Client Payroll Offer (the “Offer”) is available to new Clients who(se): (a) Client Number was created between May 1, 2024 and July 31, 2025; (b) open a Tangerine Chequing Account as the Primary Account Holder within 60 days of the date their Client Number was created; and (c) set up payroll direct deposits within 60 days of the date their Chequing Account was opened. A cash Bonus of $250 will be paid to the new Client’s Tangerine Chequing Account if the Client switches their eligible automated and recurring payroll direct deposits to their new Tangerine Chequing Account, provided that: (i) they deposit the full amount of their payroll direct deposits; (ii) payroll direct deposits total a minimum of $200 on a monthly basis; (iii) the first eligible payroll direct deposit is received in their Account within 60 days of successfully opening the Chequing Account; and (iv) their subsequent eligible payroll direct deposits continue for at least 2 consecutive months. The Bonus will be paid to the Client’s Tangerine Chequing Account in the subsequent month following the satisfaction of the Offer conditions. Offer can’t be combined with any other Chequing cash bonus offers and is limited to one (1) Bonus per Client. By accepting any Offer, you agree to the terms and conditions of this Offer. Full Offer Terms and Conditions, including definitions of any capitalized terms, are available here. Offer may be changed, extended or cancelled without notice.

† 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.

6 Tangerine 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 May 21, 2025 there were 44.7K reviews with an average rating of 4.5 from the Google Play Store and 72.5K reviews with an average rating of 4.8 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.