Best Unlimited Chequing Accounts in Canada
Unlimited chequing accounts allow you to make any number of transactions each month and charge you only a fixed fee. Here are some of the positives of getting this account.
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Specification: HSBC Performance Chequing – Unlimited
| Transactions included per month | Unlimited |
|---|---|
| Interac e-Transfer | Free |
| Additional Transaction Charges | Free |
| US ATM fee | $2 |
| Overdraft fee | $5 |
| Overdraft interest | 19.00% |
Specification: TD Unlimited Chequing Account
| Transactions included per month | Unlimited |
|---|---|
| Monthly Fee | $15.95 |
| Minimum monthly balance for monthly fee rebate | $4000 |
| Sign-up Bonus | Annual credit card fee rebate on select TD credit cards |
| Interac e-Transfer | Free |
| Overdraft fee | $4 |
| Overdraft interest | 21.00% |
| Fees for Seniors | $11.95 |
Specification: TD Chequing Account – All-Inclusive Banking Plan
| Transactions included per month | Unlimited |
|---|---|
| Monthly Fee | $29.99 |
| Minimum monthly balance for monthly fee rebate | $5000 |
| Sign-up Bonus | Annual credit card fee rebate on select TD credit cards |
| Interac e-Transfer | $1 |
| Overdraft fee | $4 |
| Overdraft interest | 21.00% |
Specification: RBC Royal Bank No Limit Banking Account
| Monthly Fee | $10.95 |
|---|---|
| Transactions included per month | Unlimited |
| Interac e-Transfer | Free |
| Eligibility | Applicant must be age 65 or over to qualify for the senior rate |
| Additional Transaction Charges | $0 |
| US ATM fee | $3 |
| Overdraft interest | 22.00% |
| Overdraft fee | $4 |
| Fees for Seniors | $6.95 |
Specification: RBC Royal Bank Signature No Limit Banking Account
| Monthly Fee | $14.95 |
|---|---|
| Transactions included per month | Unlimited |
| Interac e-Transfer | Free |
| Eligibility | Applicant must be age 65 or over to qualify for the senior rate |
| Additional Transaction Charges | $0 |
| US ATM fee | $3 |
| Overdraft interest | 22.00% |
| Fees for Seniors | $10.95 |
Specification: Tangerine No Fee Daily Chequing Account
| Monthly Fee | $0 |
|---|---|
| Transactions included per month | Unlimited |
| Interac e-Transfer | $1 |
| Additional Transaction Charges | Free |
| US ATM fee | $2 |
| Overdraft fee | $5 |
| Overdraft interest | 19.00% |
Specification: TD Bank Unlimited Chequing Account
| Monthly Fee | $15.95 |
|---|---|
| Transactions included per month | Unlimited |
| Interac e-Transfer | Free |
| Eligibility | Applicant must be age 60 or over to qualify for the senior rate |
| Additional Transaction Charges | Free |
| US ATM fee | Free |
| Overdraft fee | $4 |
| Overdraft interest | 21.00% |
| Fees for Seniors | $11.20 |
| Minimum monthly balance for monthly fee rebate | $4000 |
Specification: Simplii No Fee Chequing Account
| Monthly Fee | $0 |
|---|---|
| Transactions included per month | Unlimited |
| Interac e-Transfer | $1 |
| Additional Transaction Charges | Free |
| US ATM fee | $2 |
| Overdraft fee | $5 |
| Overdraft interest | 19.00% |
Specification: HSBC Performance Chequing – Limited
| Transactions included per month | 14 |
|---|---|
| Interac e-Transfer | $1 |
| Additional Transaction Charges | $1 |
| US ATM fee | $2 |
| Overdraft fee | $5 |
| Overdraft interest | 19.00% |
Specification: HSBC Performance Chequing – Unlimited
| Transactions included per month | Unlimited |
|---|---|
| Interac e-Transfer | Free |
| Additional Transaction Charges | Free |
| US ATM fee | $2 |
| Overdraft fee | $5 |
| Overdraft interest | 19.00% |
Specification: HSBC Premier Chequing Account
| Transactions included per month | Unlimited |
|---|---|
| Interac e-Transfer | $1 |
| Additional Transaction Charges | Free |
| US ATM fee | $2 |
| Overdraft fee | $5 |
| Overdraft interest | 19.00% |
Specification: HSBC Advance
| Transactions included per month | Unlimited |
|---|---|
| Interac e-Transfer | Free |
| Additional Transaction Charges | Free |
| US ATM fee | $2 |
| Overdraft fee | $5 |
| Overdraft interest | 19.00% |
Unlimited Chequing Account
Every person needs a basic chequing account for regular day-to-day transactions. You’ll deposit your paycheque and use the money for clearing your dues such as rent, utilities, car payments, services, and credit card bills. Each chequing account has specific terms and conditions, and most allow you to conduct only a fixed number of transactions every month. If you’ve used your chequing account more often than the free limit for the past few months, it could be time to switch to a bank that allows you unlimited transactions without incurring a charge.
