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.
Two colour options for the Client card with Visa Debit, an orange card or a grey card. Two colour options for the Client card with Visa Debit, an orange card or a grey card.

Daily Chequing Fees

$0

Interest Rate footnote dagger

Up to
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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,

pre-authorized

payments and Interac

e-Transfer®

 transactions.
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.
Cheque-In®
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.
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 footnote dagger

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.
Fees
Information about all fees in this chequing account
Online daily banking: 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
Replacement Card: FREE
Canadian drafts: $10
Non-Sufficient Funds: $45
A B M deposits / withdrawals: FREE
Other A B M withdrawals
in Canada:
$1.50
Other A B M withdrawals worldwide (not part of Global ATM Alliancefootnote2): $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 logo
Apple Pay registered trademark
Google Pay logo
Google Pay trademark
Samsung Pay logo
Samsung Pay registered trademark
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
Open an Account Sign Me Up

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 1 The New Client 3.00% Interest Rate and Visa* Debit 20% Cashback Bundle Offer (the "Offer") is available to new Tangerine Clients who: (a) have a Client Number created between June 3, 2022 and August 18, 2022, (b) become a Tangerine Client using the Promo Code “EARNMORE”, (c) open an Applicable Savings Account within 30 days of the date their Client Number was created, (d) open a Tangerine Chequing Account within 30 days of the date their Client Number was created, and (e) meet all other Offer terms and conditions (collectively the “Offer Qualifying Conditions”). The 3.00% Promotional Rate will apply to deposits made to an Eligible Client’s Applicable Savings Account(s) for 153 days (5 months) beginning on the date all Offer Qualifying Conditions have been met, to a maximum of $1,000,000 (in the currency of the Applicable Account) per Applicable Savings Account Type (for deposits to registered Applicable Savings Accounts made through a T2033 form, please see the full Offer Terms and Conditions). The Promotional Rate is an annualized rate, calculated daily and paid monthly. Eligible Clients will earn a cashback bonus of 20% on eligible online purchases and online bill payments made on a merchant’s website using the Visa Debit feature of their Client Card for 60 days, up to a maximum of $400 per Account. The 60-day period for Eligible Transactions (“Eligible Transaction Period”) begins on the date the Client Card is activated. The Cash Bonus will apply to the sum of all Eligible Transactions less any refunds, returns or other similar credits made during the Eligible Transaction Period. Eligible Clients must activate their Client Card within 60 days of the date their Chequing Account was opened. The Bonus will be deposited to the Client’s Account within 30 days of the end of the Eligible Transaction Period. For Clients with two Chequing Accounts, only the Account that is designated as “Chequing” on their Client Card will qualify for the Offer. Limit of one (1) Cash Bonus per Account. Offer is not transferable and can’t be combined with other promotional savings rate offers or chequing cash bonus offers. Further, while opening both Accounts is not required generally in order to open either a Chequing Account or Savings Account, you need to open both Accounts within your first 30 days to be eligible for this Offer. By accepting the Offer, you agree to the terms and conditions of this Offer and consent to receive electronic messages that notify you when the Promotion Period is expiring and of any changes to your Account(s) that will take effect after the Promotion Period expires. Full Offer Terms and Conditions, including definitions of any capitalized terms, are available here. Offer may be changed, extended or cancelled without notice.

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.

Footnote7Full 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.

footnote dagger 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.

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

Footnote 2Tangerine will waive the A B M Withdrawal Fee and Global A T M Alliance members will waive any surcharge fees for withdrawal transactions performed at a Scotiabank or Global A T M 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.

® 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.

Deposit Protection