No-Fee Daily Chequing Account

Your money should work as hard as you do. That’s why we offer a no-fee daily Chequing Account that gives you free daily chequing transactions and pays you interest on every dollar in your Account.
Daily Chequing Fees $0
Interest Rate Up to
Great news - Interac e-Transfer® is now free!
So add this to your list of great reasons to open a Tangerine Chequing Account for all your everyday banking needs.

Key Features

No unfair† fees for daily transactions
This includes an unlimited number of debit purchases, bill payments, pre-authorized payments, Tangerine Email Money Transfers and Interac e-Transfer® transactions.
Free ABM access
Free access to 3,500 Scotiabank ABMs nationwide and 44,000 ABMs worldwide through Scotiabank’s Global ATM Alliance. Locate your nearest ABM.
Overdraft Protection
Overdraft Protection is available to give you peace of mind.
Track and categorize your spending
Organize your transactions and stay on top of your spending, so you can see your financial habits and you’ll get a better idea of what you have left to spendleft to spend each month.
Pays interest
Earn interest on every dollar in your Account, calculated daily and paid monthly.
Free cheques
Get your first cheque book of 50 cheques for free. Additional cheque books are $50 each.
Bank drafts
Order a bank draft online and have it delivered to your door or to your closest Tangerine Café.
Cheque-In®
Deposit cheques instantly from your mobile device using the Cheque-In feature on your Mobile App.
Orange Alerts
Customize your preferences to receive important Account alerts through text or email.
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Direct deposit and pre-authorized payments
Take advantage of simple and convenient everyday banking when you switch your payroll direct deposits and pre-authorized payments to Tangerine Chequing. You’ll get instant access to your direct deposit funds and benefit from worry-free payments.
Direct deposit and pre-authorized payments
Take advantage of simple and convenient everyday banking when you switch your payroll direct deposits and pre-authorized payments to Tangerine Chequing. You’ll get instant access to your direct deposit funds and benefit from worry-free payments.

Current Interest Rates

Current per year interest rate since .
$0.00 - $49,999.99
$50,000.00 - $99,999.99
$100,000 or more

Where are the fees?

You won’t pay any fees for your daily chequing transactions. For other transactions, a fair fee may apply.
Fees
Online daily banking:
FREE
Tangerine Email Money Transfers:
FREE
Interac e-Transfer®:
FREE
First cheque book (50 cheques):
FREE
Additional cheque books:
$50 each
1 free stop payment:
per year, $12.50 each thereafter
1 free replacement Card:
per year, $15 thereafter
Canadian drafts:
$10
Non-Sufficient Funds:
$45
ABM deposits / withdrawals:
FREE
Other ABM withdrawals
in Canada:
$1.50
Other ABM withdrawals worldwide (not part of Global ATM Alliance1):
$3
View the complete list of Account fees. If you’d like to compare our Chequing Account to other banks, you can do so using the FCAC Account Selector Tool. You may also be interested in reading our article on Monthly Chequing Account Fees to Look Out For.
Mobile Wallets
Convenient ways to pay with your Tangerine Client Card and Money-Back Credit Card.
Apple Pay
Apple Pay
Google Pay
Google Pay
Samsung Pay
Samsung Pay
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Open a Tangerine Chequing Account, and we'll help you keep your spending on track.
We recently introduced a new enhancement to help you spend smarter. It looks at your Chequing Account activity, along with other details you provide, and gives you information to help you stay up-to-date with your spending and make smart decisions with your money.
Become a Tangerine Chequing Client today
Don’t think this Account is for you? Take a look at our other options.
Credit Card
Learn More
Savings Account
Learn More
Check out these helpful articles

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.

†Fair fees mean they are disclosed and agreed to in advance, and the amount makes sense relative to the benefit received. For more details about any of our fees, please see our fee schedule here.

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

Interac e-Transfer is a registered trade-mark of Interac Corp. Used under licence.

1Tangerine will waive the International ABM Access Fee and Global ATM Alliance members will waive ... any terminal convenience or usage fees for any withdrawal transactions performed at Global ATM Alliance machines with your Tangerine Debit Card. "Free Access" does not apply to Scotiabank ABMs in Costa Rica, Panama or Uruguay.

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

™ Wear OS by Google and Google Pay are trademarks of Google LLC.

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Deposit Protection