The Right Bank Account for You What You Need to Know

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1 The Right Bank Account for You What You Need to Know There is a lot of choice: there are more than 100 consumer account packages to choose from, offered by more than 20 banks in Canada. Comparing accounts is easy using a simple, free online tool at There are low-fee and no-fee accounts available. All you need to open an account is identification.

2 The Right Bank Account for You Services, access, fees how do you choose the right bank account? The Types of Bank Accounts Available There are many different types of accounts available with a wide range of services, including: basic chequing and savings accounts full-service accounts with many types of transactions included low-fee or no-fee accounts youth, student and seniors accounts How do you know which account is right for you? Choosing the right account depends on the services you need and want. Opening an Account Anyone can open a bank account provided they have the proper identification. It s important to understand that you can open a bank account even if: you don t have a job you don t have money to put in the account right away you have been bankrupt Identification Needed to Open an Account You will need two specific pieces of identification to open a bank account. There are many different options for identification and a full list is available on the Canadian Bankers Association website at It s also possible to present only one piece of identification if your identity can be confirmed by a client in good standing with the bank or by an individual of good standing in the community where the bank is located.

3 How to Shop for an Account There are a lot of accounts to choose from (more than 100!), so it s important to think about the services you want and to shop around for the best account to meet your needs. And it s easy to compare the banking packages available using the online interactive Account Selector Tool available from the federal financial consumer regulator, the Financial Consumer Agency of Canada (FCAC) at Choosing the right service plan can save you money. For example, there are accounts that: allow a certain number of transactions for a lower fee than some unlimited transaction accounts waive fees if you keep a minimum balance in the account (usually between $1,500 and $5,000) There are banking packages that include more services for a flat monthly fee or a fee per transaction, including: certified cheques, money orders, overdraft protection, money transfers or cheque returns U.S. dollar and other foreign currency accounts and cross-border debits multiple accounts (both chequing and savings) under the same monthly fee

4 More About Low-Fee and No-Fee Accounts Banks in Canada are committed to ensuring that all Canadians can access banking services. Canada s banks provide low-fee accounts that include: at least 12 debit transactions per month at least two in-branch transactions per month cheque-writing privileges no extra charge for deposits, debit cards, pre-authorized payments forms and monthly printed statements cheque image return or online cheque image viewing Youth, students, seniors qualifying for the Guaranteed Income Supplement (GIS) and beneficiaries of a Registered Disability Savings Plan (RDSP) are eligible for these accounts at no-cost. Accounts for Seniors There are a number of bank account packages designed specifically for seniors. If you are a senior now, or getting close, you may wish to compare the packages for seniors to find out if there is one that meets your needs. There are both low-fee and no-fee accounts available for seniors. These packages offer regular transactions, such as withdrawals, deposits, transfers, bill payments and cheque-writing privileges, in addition to more specialized services such as no-fee money orders, certified cheques and travellers cheques, and a discount on safety deposit box rentals. Guaranteed Income Supplement beneficiaries are also eligible for basic bank accounts with no monthly fee. Accounts for Youth and Students Most banks offer low-fee or no-fee banking account packages for youth and students and you can compare those accounts using the FCAC s online, interactive Account Selector Tool at

5 Ways to Reduce Your Service Fees Did you know that there are many different ways to reduce the bank service fees that you pay? Ten tips for reducing your service fees. 1. Shop around for the bank account package that best meets your needs. You may be paying more for services that you don t use. Use the FCAC s online Account Selector Tool at 2. Maintain a minimum balance in your account. Ask your bank if it offers this option. 3. If you have additional products with your bank (for example, a mortgage or credit card), ask if you can get a rebate on service fees. 4. Ask for a senior s discount or a no-cost account (if you qualify). 5. Ask for youth or student discount or a no-cost account (if you qualify) 6. Plan your withdrawals If your account package has a limited number of withdrawals, make fewer but larger withdrawals to save on fees. 7. Take advantage of cash back Did you know that many retailers offer cash back options at no additional charge when you pay with your debit card? Pay for your purchases and get cash from the retailer to avoid extra bank transactions. 8. Avoid convenience fees Use only your own institution s bank machines. You ll save on fees charged by other financial institutions or independent cash machine owners to use their machines. 9. Consider a low-fee account if you only have a few transactions each month. Use the Account Selector Tool on the Financial Consumer Agency of Canada website to see if one of these accounts might meet your needs. 10. Consider overdraft protection Do you frequently have NSF (i.e. nonsufficient funds) charges? If so, you might want to consider applying for overdraft protection. The small monthly fee might turn out to be less than you are paying in NSF charges. And some financial institutions levy the overdraft charge only in months when you actually use the overdraft, so there could be additional savings. Ask your bank or shop around to find an arrangement that works for you.

6 Cashing a Government Cheque Without an Account You can cash a federal government cheque of up to $1,500 at a bank even if you don t have an account as long as you can provide two pieces of specific identification from the list of required identification. You can find this list on the CBA website at The banks also have agreements with the governments of British Columbia, Alberta, Quebec, and New Brunswick that allow non-customers to cash provincial government cheques as long as you have the appropriate identification. Questions? If you have general questions about banking in Canada, call the Canadian Bankers Association s Banking Information Line at or send an to More Information Canadian Bankers Association The Financial Consumer Agency of Canada Sign up for a low-fee account if you only have a few transactions each month.

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