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3389 Steeles Avenue East
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M2H 0A1

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Tangerine No Fee Daily Chequing

You want to make every hard earned dollar count. It doesn't grow on trees after all. But most bank accounts make it impossible for your money to work as hard as you do. You get nickel and dimed for just going about your everyday banking. Getting a bill for paying a bill is just plain wrong.

What if your money was working for you, instead of paying fees and service charges?

The Tangerine Chequing Account is an online no-fee daily Chequing Account that actually pays you interest on every one of your hard earned dollars. A Chequing Account that actually works as hard as you do. What a concept! And our Chequing Account is loaded with all the features you'd expect from a regular Chequing Account and more.


Making smart decisions with your money is easier than ever. Transactions are now categorized and clearly presented to help you understand your financial habits and behaviours.

Key features at a glance
  • No fees for daily chequing transactions
  • Free Unlimited access to 3,500 Scotiabank ABMs nationwide and 44,000 ABMs worldwide through Scotiabank®’s Global ATM Alliance

Current Interest Rates:

Current per year interest rate since

Special offer: Switch your payroll or pre-authorized payments within 90 days of opening a Chequing Account, and you could earn a $150 Bonus.* Learn More

No fees for daily chequing transactions: Free, unlimited debit purchases, bill payments, pre-authorized payments and Email Money Transfers.

Free ABM access: Free, unlimited access to 3,500 Scotiabank ABMs nationwide and 44,000 ABMs worldwide through Scotiabank’s Global ATM Alliance. Find the ABM closest to you with our ABM locator.

Pays interest: Earn interest on every dollar in your Account. Interest is calculated daily and paid monthly.

Simple and comprehensive banking on the go: bank from anywhere, anytime, the way you want on the device you choose (desktop, smartphone, tablet).

24/7 Phone Support: Even though Tangerine Chequing is an online Account, we're still here when you need to speak to someone. If you ever have any problems or questions, feel free to call 1-888-826-4374 and talk to a real person anytime day or night.

Chequebooks: Your first book of 50 cheques is free. You can write, deposit and even view your cheques online at no extra cost. Subsequent chequebooks can be ordered online for $20.

Cheque-In®: use this feature of our Mobile Banking app to deposit cheques instantly with your smartphone or tablet

Bank Drafts: Drafts can be ordered through our website and we'll courier your draft right to your front door or to your closest Tangerine Café.

Email alerts: By choosing to receive Orange Alerts, you’ll never have to wonder if payments or deposits have occurred. Orange Alerts send you emails when your money is in motion, to ensure you're on top of it at all times.

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. For more information click here.

Interac® Flash: Use the Interac Flash feature on your Tangerine Client Card to pay for purchases under $100 quickly and conveniently – you won't need to insert your Card into the chip reader at the checkout or enter your PIN.

Mobile Wallets: Add your Tangerine Client Card to your mobile wallet and use it where contactless payments are accepted. Your Card can be added to Apple Pay, Google Pay, and Samsung Pay. It’s simple and secure. Learn more here.

Deposit Protection

Switch to Tangerine

Tangerine Chequing isn’t just easy to use; it’s easy to open and set up too. Open the Account in minutes online, and then choose your Account activation method. With a quick trip to your nearest Canada Post outlet or Tangerine Café, you can have your Account all set up and ready to use. Or, if you prefer, you can send us your initial deposit cheque to activate your Account – which you can do from the comfort of your home, thanks to the Cheque-In® feature of our Mobile Banking app.

Where are the fees?

Tangerine is committed to ensuring that any fees we need to charge our Clients are fair, and all of our Accounts are considered to be either low-fee or no-fee.

If you’d like to compare our Chequing Account to chequing accounts at other financial institutions, you can do so using the FCAC Account Selector Tool.

Online daily banking FREE
Tangerine Email Money Transfers FREE
Interac® e-Transfers $1.00
ABM deposits / withdrawals (Tangerine or Scotiabank) FREE
Online statements FREE
Bill payments FREE
Debit purchases FREE
View cheque image online FREE
First cheque book (50 cheques) FREE
Additional cheque books (50 cheques) $20 each
Stop payment 1 FREE per year $10 each thereafter
Replacement Client card 1 FREE per year $15 each thereafter
Canadian drafts (includes courier) $10
NSF (Non-Sufficient Funds) – returned cheques & Pre-Authorized Debits $40
Returned Items $4
Other ABM withdrawals (not a Tangerine or Scotiabank ABM) - In Canada $1
Other ABM withdrawals (not part of Global ATM Alliance1) - In the US / Worldwide $2
1 Year Inactivity Fee $10

Optional Overdraft Protection

Overdraft Fee $5 per use (charged up to a maximum of once per month)
Overdraft Interest 19% (per annum)††

Dormancy Fee - Associated with Chequing Account

10 Year Dormancy Fee $40


  • Security Guarantee
  • We take security seriously, which is why you get our industry-leading Security Guarantee with your Tangerine Chequing Account. Our enhanced DoubleSafe login process protects you and your Accounts from unauthorized access, while reassuring you that you are at the real Tangerine website.

    Our encrypted website ensures confidential data is protected online. All information you share with us is held in the strictest confidence and is in compliance with privacy standards followed by all major Canadian financial institutions.

  • SecureChip
  • Your Tangerine Client Card contains an embedded microchip for safe and secure banking. Using proven technology, your Card helps protect your Accounts and personal information from fraud and theft.

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

Ready to enroll?

Enrolling online is simple, fast and safe. Just click the Enroll now button to get started.

Find out how to get a $200 Bonus*.