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


Interest Rate

Up to
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Visafootnote* Debit is here!

With Visa Debit, you can take control of your online and in-store purchases by paying directly with money from your Chequing Account.

Key Features

Make online and in-app purchases with ease
Use your Client Card to shop at your favourite online stores with thousands of participating retailers accepting Visafootnote* Debit.
No feesfootnote for daily transactions
This includes an unlimited number of debit purchases, bill payments,


payments, Tangerine Email Money Transfers and Interac


Shop with confidence
With Interac and Visafootnote* Debit Zero Liability protection, you won’t have to worry about paying for unauthorized purchases.
Free A B M access
Free access to 3,500 Scotiabank A B M's nationwide and 44,000 A B M's worldwide through Scotiabank’s Global ATM Alliance. Locate your nearest A B M.
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 spend left to spend each month.
Pays interest
Earn interest on every dollar in your Account, calculated daily and paid monthly.
Deposit cheques instantly from your mobile device using the Cheque-In feature on your Mobile App.
Bank drafts
Order a bank draft online and have it delivered to your door or to your closest Tangerine Café.
Orange Alerts
Customize your preferences to receive important Account alerts through text or email.
Visa Debit is borderless
Shop around the world using your Client Card when you travel or make online purchases from millions of participating international retailers.
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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.

Current Interest Rates

Current per year interest rate since .
Current per year interest rate since March 20, 2020.
Account Balance Interest Rate
$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.
Information about all fees in this chequing account
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
A B M deposits / withdrawals: FREE
Other A B M withdrawals
in Canada:
Other A B M withdrawals worldwide (not part of Global ATM Alliancefootnote1): $3
Foreign Currency Conversion Feefootnote7 2.50% is added to the exchange rate, and is reflected in the converted Canadian dollar amount of the transaction.
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
Play Left To Spend Tutorial video
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
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Don’t think this Account is for you? Take a look at our other options.
Credit Card
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Savings Account
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Check out these helpful articles
Legal Stuff
Footnote*Trademark of Visa International Service Association and used under license
FootnotePay no fees for everyday Chequing transactions. For non-standard transactions, a fee may apply.
Footnote chevron^See the Tangerine Money-Back Rewards Program Terms & Conditions for full details.
Footnote*Certain terms, conditions and exclusions apply. For full Mastercard World Benefit terms, visit For additional terms applicable to Boingo Wi-Fi for Mastercard, visit For additional terms applicable to Mastercard Travel Rewards, visit All Mastercard World Benefits are provided by Mastercard International or its affiliates or other third parties. Tangerine Bank is not responsible for any Mastercard World Benefits.
Balance Transfers are treated as Cash Advances and interest applies from the transaction date that appears on your monthly statement to the date you repay the balance in full. There is no interest-free grace period on Cash Advances or Balance Transfers.
Annual Interest Rates: The annual interest rate on Purchases and Cash Advances (including Balance Transfers) is 19.95%. Rates are subject to change. If you don't make 2 consecutive monthly Minimum Payments, or at any time thereafter, an interest rate of 24.95% will apply to your Account on Purchases and Cash Advances (including Balance Transfers).
Other Fees and Rates: These fees are charged on the day the transaction occurs (unless otherwise indicated): Cash Advance: $3.50 within Canada, $5 outside of Canada; Balance Transfer: 3% or minimum of $5 (unless reduced or waived) of the amount transferred when it is posted to your Account. Dishonoured Payment: $25; Rush Card: $25; Over-Limit: $25 (maximum one Over-Limit charge per monthly statement period); Past Statement Reprint: $5 per past statement. There is no charge for a reprint of your current monthly statement. Foreign Currency Conversion: When the converted transaction amount gets posted to your Account, we'll add a foreign currency conversion fee of 2.50% to the converted transaction amount.
See your Information Box in the application for full details or visit Rates and fees are subject to change.
Balance Transfer Promotional Offer at 1.95% for 6 months (1% Balance Transfer Fee)
A Promotional Rate of 1.95% will apply to any and all Balance Transfers made within 30 days of the Account opening, and will remain in effect for 6 Statement Periods from the date the last such Balance Transfer was posted to the Account (the “Promotional Rate Period”). To take advantage of this Promotional Offer, you must complete the Balance Transfer request within 30 days of Account approval. You must also activate your Card within 45 days of Account approval for the requested Balance Transfer to be processed, or the Balance Transfer will be automatically cancelled. Balance Transfers are treated as Cash Advances on your Card and do not have an interest-free grace period. Balance Transfers may not exceed the available credit on the Account. If the Balance Transfer exceeds the available credit, the Balance Transfer transaction will not be processed. A 1% Balance Transfer Fee will be charged on each Balance Transfer amount and will be immediately charged to your Credit Card. This Balance Transfer Fee is waived by Tangerine if you are a resident of the province of Quebec at the time you accept this offer. Interest does not accrue on the Balance Transfer Fee, however it is included in the Minimum Payment amount on your monthly statement. You must continue to make all of your monthly Minimum Payments by the Payment Due Dates shown on your monthly statements. If you still have an amount owing from your Balance Transfer when the Promotional Rate Period ends, the Cash Advance interest rate of 19.95% will apply to that amount. You must continue to make the Minimum Payments on your Account, regardless of whether the Balance Transfer has been processed to your Account. Balance Transfers may not be used to transfer money to or from another Tangerine Account. See the Tangerine Credit Card Cardholder Agreement for more information about how we apply payments to your Account.
Footnote**Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC). ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant®. ®Assurant is a registered trademark of Assurant, Inc. Coverage is subject to eligibility, limitations and exclusions. For details of the coverage, including definitions and benefits, refer to the Certificate of Insurance provided with the card.
Footnote***Offers vary by location. More details are available at or the Mastercard app. For full terms and conditions of use, go to The Mastercard Airport Experiences offers are made available to you through Mastercard. Tangerine Bank is not responsible for the Mastercard Airport Experiences or any offers made available under those offers. Fees for this benefit are subject to change by Mastercard.
Cash Advances (including Balance Transfers) do not earn Tangerine Money-Back Rewards. See the terms and conditions of the Tangerine Money-Back Rewards Program at for full details on other items that do not earn Tangerine Money-Back Rewards.
Footnote daggerIn addition to Tangerine’s credit approval criteria, new applicants for the Tangerine World Mastercard® Credit Card Account must meet one of the following minimum criteria: $60,000 gross annual income, $100,000 gross household income, or $250,000 in Tangerine Savings Accounts and/or Investment Fund Accounts.
Any of these offers may be changed or cancelled at any time without notice.
®/™ Mastercard and the Mastercard Brand Mark are registered trademarks and Tap & Go is a trademark of Mastercard International Incorporated.
Tangerine is a registered trademark of The Bank of Nova Scotia, used under licence.
Forward Banking is a registered trademark of Tangerine Bank.

Deposit Protection