{"id":57342,"date":"2017-04-25T14:00:00","date_gmt":"2017-04-25T14:00:00","guid":{"rendered":""},"modified":"2024-02-05T11:11:35","modified_gmt":"2024-02-05T16:11:35","slug":"which-new-chequing-account-holder-are-you","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/which-new-chequing-account-holder-are-you\/","title":{"rendered":"Which New Chequing Account Holder Are You?"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/savings\/\">\n\t\t\t\t\t\t\t<span>Savings<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">Which New Chequing Account Holder Are You?<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Shannon Lattin<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-new-chequing-account-holder_402x-2.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-new-chequing-account-holder_402x-2.jpg 930w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-new-chequing-account-holder_402x-2.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-new-chequing-account-holder_402x-2.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Which New Chequing Account Holder Are You? &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/which-new-chequing-account-holder-are-you\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/which-new-chequing-account-holder-are-you\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published April 25, 2017 \u2022 4 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<figure class=\"wp-block-image size-large is-resized hide-on-desktop\"><img loading=\"lazy\" decoding=\"async\" height=\"1024\" width=\"78\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/10\/ChequingAccountGuide_Final_3.jpg?w=78\" alt=\"\" class=\"wp-image-76435\" style=\"width:650px;height:8492px\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/10\/ChequingAccountGuide_Final_3.jpg?resize=78,1024 78w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/10\/ChequingAccountGuide_Final_3.jpg?resize=117,1536 117w\" sizes=\"auto, (max-width: 78px) 100vw, 78px\" \/><figcaption class=\"wp-element-caption\">ChequingAccountGuide<\/figcaption><\/figure>\n\n\n\n<p>Learn more at <a href=\"http:\/\/www.rbcroyalbank.com\/products\/deposits\/banking-accounts.html?ref=dl-117952\">www.rbcroyalbank.com\/products\/deposits\/banking-accounts.html<\/a>.<\/p>\n\n\n\n<p><strong>Sources<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-roman-lower-list\">\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/banking\/bank-accounts\/chequing-accounts.html\" data-dig-id=\"LP-57342-8c57549d\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/banking\/bank-accounts\/chequing-accounts.html\" class=\"rbc-link-format\">https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/banking\/bank-accounts\/chequing-accounts.html<\/a><\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/banking\/atm-fees.html\" data-dig-id=\"LP-57342-ed1e4b79\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/banking\/atm-fees.html\" class=\"rbc-link-format\">https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/banking\/atm-fees.html<\/a><\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"http:\/\/www.rbcroyalbank.com\/products\/deposits\/banking-compare.html\" data-dig-id=\"LP-57342-413147fb\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"http:\/\/www.rbcroyalbank.com\/products\/deposits\/banking-compare.html\" class=\"rbc-link-format\">http:\/\/www.rbcroyalbank.com\/products\/deposits\/banking-compare.html<\/a><\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"http:\/\/www.rbcroyalbank.com\/products\/deposits\/banking-accounts.html\" data-dig-id=\"LP-57342-c1e1657b\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"http:\/\/www.rbcroyalbank.com\/products\/deposits\/banking-accounts.html\" class=\"rbc-link-format\">http:\/\/www.rbcroyalbank.com\/products\/deposits\/banking-accounts.html<\/a><\/p>\n<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\" \/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-which-new-chequing-account-holder-are-you\">Which New Chequing Account Holder Are You?<\/h2>\n\n\n\n<p>As a new earner, it\u2019s important to shop around before signing up for your first chequing account. But with so many options available, you can quickly find yourself befuddled by jargon and dizzied by detail. Not to worry. By getting a handle on just a few key factors, you can hone in on which account is best for you.<\/p>\n\n\n\n<p>Begin by thinking about your money routines.<br>Before looking at accounts, arm yourself with a clear understanding of your financial habits.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Do you plan on doing your banking online, by phone, or at a branch?<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>How many monthly bills do you have, and how do you pay them?<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>What is the minimum you expect to keep in your account on a regular basis?<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Do you prefer paying for everyday purchases with cash or card?<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Do you already have a credit card, or will you need one?<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Do you tend to keep a budget, or manage your money intuitively?<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Next, familiarize yourself with the most relevant fees and discounts.<\/p>\n\n\n\n<h3 class=\"wp-block-heading mar-b-qtr\" id=\"h-fees\">FEES<\/h3>\n\n\n\n<p>Monthly and transaction<br>You\u2019re likely to see three combinations to choose from:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Monthly fee + Unlimited free transactions<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Monthly fee + X free transactions per month<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>$X \/ Transaction thereafter<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>No Monthly fee + $X \/ transaction<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading mar-b-0\" id=\"h-assisted-transaction\">Assisted transaction<\/h4>\n\n\n\n<p>These apply to transactions that require a teller\u2019s help, such as in-branch visits.<\/p>\n\n\n\n<h5 class=\"wp-block-heading mar-b-0\" id=\"h-atm\">ATM<\/h5>\n\n\n\n<p>Regular account fees<br>Charges for transactions at any ATM.<\/p>\n\n\n\n<h5 class=\"wp-block-heading mar-b-0\" id=\"h-network-access-fees\">Network access fees<\/h5>\n\n\n\n<p>Charges for transactions at ATMs not belonging to your bank.<\/p>\n\n\n\n<h5 class=\"wp-block-heading mar-b-0\" id=\"h-overdraft\">Overdraft<\/h5>\n\n\n\n<p>Overdraft protection<br>A monthly fee that gives you backup coverage in case you overdraw your account.<\/p>\n\n\n\n<h5 class=\"wp-block-heading mar-b-0\" id=\"h-overdraft-interest\">Overdraft interest<\/h5>\n\n\n\n<p>If you do overdraw your account, this is the interest you\u2019ll pay on what you owe.<\/p>\n\n\n\n<h5 class=\"wp-block-heading mar-b-0\" id=\"h-overdraft-item-handling\">Overdraft item handling<\/h5>\n\n\n\n<p>A charge for each transaction that overdraws your account.<\/p>\n\n\n\n<h5 class=\"wp-block-heading mar-b-0\" id=\"h-discounts\">DISCOUNTS<\/h5>\n\n\n\n<p>Youth<br>If you\u2019re under 18, there may be discounts you can benefit from.<\/p>\n\n\n\n<h5 class=\"wp-block-heading mar-b-0\" id=\"h-student\">Student<\/h5>\n\n\n\n<p>Studying? Keep an eye out for offers directed your way.<\/p>\n\n\n\n<h5 class=\"wp-block-heading mar-b-0\" id=\"h-newcomer\">Newcomer<\/h5>\n\n\n\n<p>If you\u2019re new to Canada, there may be options designed for you.<\/p>\n\n\n\n<h5 class=\"wp-block-heading mar-b-0\" id=\"h-multiproduct-rebates\">Multiproduct rebates<\/h5>\n\n\n\n<p>Some institutions offer a discount if you hold multiple products.<\/p>\n\n\n\n<h5 class=\"wp-block-heading mar-b-0\" id=\"h-minimum-monthly-balance\">Minimum monthly balance<\/h5>\n\n\n\n<p>Some will waive account fees if a minimum balance is kept in your account that month.<\/p>\n\n\n\n<p>ALSO CHECK FOR<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Credit card included<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Online\/mobile\/telephone banking<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Digital money management tools<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Branches near your home, work or school<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Last but not least, bring it all together.<br>Now that you\u2019re clear on your money habits, you\u2019re better equipped to think about which account features to focus on. Take a look at how your chequing account persona might impact your choice.<\/p>\n\n\n\n<h5 class=\"wp-block-heading mar-b-0\" id=\"h-the-early-saver\">THE EARLY SAVER<\/h5>\n\n\n\n<p>Living at home means no monthly bills to pay. Phew. While you save for that next big step, your account will be mostly out of sight, out of mind \u2013 except when you need to withdraw some cash for the weekend.<br>Consider: youth discount, low ATM fees, no\/low monthly fees, or fees waived with minimum monthly balance.<\/p>\n\n\n\n<h5 class=\"wp-block-heading mar-b-0\" id=\"h-the-student\">THE STUDENT<\/h5>\n\n\n\n<p>You\u2019re mastering the art of careful spending, and moving a monthly budget from savings to your chequing account will keep those impulse buys at bay.<br>Consider: student discount, low\/no minimum monthly balance, multiproduct rebate, unlimited e-transfers.<\/p>\n\n\n\n<h5 class=\"wp-block-heading mar-b-0\" id=\"h-the-globe-trotter\">THE GLOBE TROTTER<\/h5>\n\n\n\n<p>The first big adventure is coming up and you want to make sure you have access to finances, no matter where in the world you find yourself.<br>Consider: low foreign ATM fees, US banking access, online banking, credit card included, overdraft protection, travel insurance.<\/p>\n\n\n\n<h5 class=\"wp-block-heading mar-b-0\" id=\"h-the-quick-spender\">THE QUICK SPENDER<\/h5>\n\n\n\n<p>You haven\u2019t used cash since getting an allowance and keeping a budget still hasn\u2019t become habit. But with the ease of online banking, you look forward to tracking your frequent spending real-time.<br>Consider: overdraft protection, credit card included, unlimited debit and e-transactions, online banking, digital money management tools.<\/p>\n\n\n\n<p>Learn more at <a href=\"http:\/\/www.rbcroyalbank.com\/products\/deposits\/banking-accounts.html\" data-dig-id=\"LP-57342-f8fcf1d4\" data-dig-label=\"www.rbcroyalbank.com\/products\/deposits\/banking-accounts.html\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">www.rbcroyalbank.com\/products\/deposits\/banking-accounts.html<\/a> <\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-1f8a22db-0f7b-491d-b00a-84989a1f89cb\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Which New Chequing Account Holder Are You? &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/which-new-chequing-account-holder-are-you\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/which-new-chequing-account-holder-are-you\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-95cda036-b4f1-4205-9d67-5c93cdcc4d4e\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/banking-digital-banking\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Banking\/ Digital banking<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/managing-money\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Managing Money<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/payments\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Payments<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/savings\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Savings<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-read-this-next\">Read This Next<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"A young woman deep in thought\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg 8640w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/\">\n\t\t\t\t\t\tAccount Types\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/tax-free-savings-account\/\" class=\"card-title h4 mar-t-0\">TFSA Accounts: What They Are and How They Work<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"684\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/11\/shutterstock_2237371329.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Stacked coins is protected by red umbrella on wooden table\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/11\/shutterstock_2237371329.jpg 6016w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/11\/shutterstock_2237371329.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/11\/shutterstock_2237371329.jpg?resize=768,513 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/11\/shutterstock_2237371329.jpg?resize=1024,684 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/11\/shutterstock_2237371329.jpg?resize=1536,1025 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/11\/shutterstock_2237371329.jpg?resize=2048,1367 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/\">\n\t\t\t\t\t\tAccount Types\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/what-is-cdic-and-how-does-it-protect-your-money\/\" class=\"card-title h4 mar-t-0\">What is CDIC and How Does It Protect Your Money?<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-account-matchmaker_402x-2.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-account-matchmaker_402x-2.jpg 930w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-account-matchmaker_402x-2.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-account-matchmaker_402x-2.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/\">\n\t\t\t\t\t\tAccount Types\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/account-matchmaker-should-you-get-a-chequing-account-savings-account-or-both\/\" class=\"card-title h4 mar-t-0\">Account Matchmaker: Should You Get a Chequing Account, Savings Account or Both?<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-1f8a22db-0f7b-491d-b00a-84989a1f89cb {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-1f8a22db-0f7b-491d-b00a-84989a1f89cb {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-95cda036-b4f1-4205-9d67-5c93cdcc4d4e {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-95cda036-b4f1-4205-9d67-5c93cdcc4d4e {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>As a new earner, it&#8217;s important to shop around before signing up for your first chequing account. By getting a handle on just a few key factors, you can hone in on which account is best for you.<\/p>\n","protected":false},"author":114,"featured_media":60292,"parent":57313,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[62,520,40,48],"rbc_content_type":[69],"rbc_audience":[49],"rbc_lob_group":[50],"rbc_difficulty_level":[33],"rbc_mmm_category":[366,318,368,304],"class_list":["post-57342","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-banking-digital-banking","tag-managing-money","tag-payments","tag-savings","rbc_content_type-infographic","rbc_audience-students","rbc_lob_group-students","rbc_difficulty_level-beginner","rbc_mmm_category-account-types","rbc_mmm_category-banking-basics","rbc_mmm_category-banking-tips","rbc_mmm_category-money-academy"],"acf":{"contently_publication_id":"117952","custom_author":"Shannon Lattin","rbc_video_header":"","rbc_media_duration":"","rbc_video_keywords":"","rbc_video_description":"","rbc_video_upload_date":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":null,"rbc_toc_for_mmm_action":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<meta name=\"description\" content=\"Before looking at accounts, arm yourself with a clear understanding of your financial habits.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/which-new-chequing-account-holder-are-you\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:description\" content=\"Before looking at accounts, arm yourself with a clear understanding of your financial habits.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/which-new-chequing-account-holder-are-you\/\" \/>\n<meta property=\"og:site_name\" content=\"RBC Royal Bank\" \/>\n<meta property=\"article:modified_time\" content=\"2024-02-05T16:11:35+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-new-chequing-account-holder_402x-2.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"930\" \/>\n\t<meta property=\"og:image:height\" content=\"620\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/which-new-chequing-account-holder-are-you\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/which-new-chequing-account-holder-are-you\/\"},\"author\":{\"name\":\"amychakravarty\",\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/#\/schema\/person\/bb803c8c788a012e63a9d462796e27f3\"},\"headline\":\"Which New Chequing Account Holder Are You?\",\"datePublished\":\"2017-04-25T14:00:00+00:00\",\"dateModified\":\"2024-02-05T16:11:35+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/which-new-chequing-account-holder-are-you\/\"},\"wordCount\":698,\"image\":{\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/which-new-chequing-account-holder-are-you\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-new-chequing-account-holder_402x-2.jpg?quality=80\",\"keywords\":[\"Banking\/ Digital banking\",\"Managing Money\",\"Payments\",\"Savings\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/which-new-chequing-account-holder-are-you\/\",\"url\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/which-new-chequing-account-holder-are-you\/\",\"name\":\"Which New Chequing Account Holder Are You? - My Money Matters\",\"isPartOf\":{\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/which-new-chequing-account-holder-are-you\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/which-new-chequing-account-holder-are-you\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-new-chequing-account-holder_402x-2.jpg?quality=80\",\"datePublished\":\"2017-04-25T14:00:00+00:00\",\"dateModified\":\"2024-02-05T16:11:35+00:00\",\"description\":\"Before looking at accounts, arm yourself with a clear understanding of your financial habits.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/which-new-chequing-account-holder-are-you\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/which-new-chequing-account-holder-are-you\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/which-new-chequing-account-holder-are-you\/#primaryimage\",\"url\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-new-chequing-account-holder_402x-2.jpg?quality=80\",\"contentUrl\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-new-chequing-account-holder_402x-2.jpg?quality=80\",\"width\":930,\"height\":620},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/which-new-chequing-account-holder-are-you\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"My Money Matters\",\"item\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Money Academy\",\"item\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Banking Basics\",\"item\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Account Types\",\"item\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/\"},{\"@type\":\"ListItem\",\"position\":5,\"name\":\"Which New Chequing Account Holder Are You?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/#website\",\"url\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/\",\"name\":\"RBC Royal Bank\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/#\/schema\/person\/bb803c8c788a012e63a9d462796e27f3\",\"name\":\"amychakravarty\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/secure.gravatar.com\/avatar\/99e46428c07cee608bc4971537f2420894eeda0d1e3811624cc045cbead4e2ce?s=96&d=mm&r=g\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/99e46428c07cee608bc4971537f2420894eeda0d1e3811624cc045cbead4e2ce?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/99e46428c07cee608bc4971537f2420894eeda0d1e3811624cc045cbead4e2ce?s=96&d=mm&r=g\",\"caption\":\"amychakravarty\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"description":"Before looking at accounts, arm yourself with a clear understanding of your financial habits.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/which-new-chequing-account-holder-are-you\/","og_locale":"en_US","og_type":"article","og_description":"Before looking at accounts, arm yourself with a clear understanding of your financial habits.","og_url":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/which-new-chequing-account-holder-are-you\/","og_site_name":"RBC Royal Bank","article_modified_time":"2024-02-05T16:11:35+00:00","og_image":[{"width":930,"height":620,"url":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-new-chequing-account-holder_402x-2.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/which-new-chequing-account-holder-are-you\/#article","isPartOf":{"@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/which-new-chequing-account-holder-are-you\/"},"author":{"name":"amychakravarty","@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/#\/schema\/person\/bb803c8c788a012e63a9d462796e27f3"},"headline":"Which New Chequing Account Holder Are You?","datePublished":"2017-04-25T14:00:00+00:00","dateModified":"2024-02-05T16:11:35+00:00","mainEntityOfPage":{"@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/which-new-chequing-account-holder-are-you\/"},"wordCount":698,"image":{"@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/which-new-chequing-account-holder-are-you\/#primaryimage"},"thumbnailUrl":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-new-chequing-account-holder_402x-2.jpg?quality=80","keywords":["Banking\/ Digital banking","Managing Money","Payments","Savings"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/which-new-chequing-account-holder-are-you\/","url":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/which-new-chequing-account-holder-are-you\/","name":"Which New Chequing Account Holder Are You? - My Money Matters","isPartOf":{"@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/which-new-chequing-account-holder-are-you\/#primaryimage"},"image":{"@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/which-new-chequing-account-holder-are-you\/#primaryimage"},"thumbnailUrl":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-new-chequing-account-holder_402x-2.jpg?quality=80","datePublished":"2017-04-25T14:00:00+00:00","dateModified":"2024-02-05T16:11:35+00:00","description":"Before looking at accounts, arm yourself with a clear understanding of your financial habits.","breadcrumb":{"@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/which-new-chequing-account-holder-are-you\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/which-new-chequing-account-holder-are-you\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/which-new-chequing-account-holder-are-you\/#primaryimage","url":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-new-chequing-account-holder_402x-2.jpg?quality=80","contentUrl":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-new-chequing-account-holder_402x-2.jpg?quality=80","width":930,"height":620},{"@type":"BreadcrumbList","@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/which-new-chequing-account-holder-are-you\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"My Money Matters","item":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/"},{"@type":"ListItem","position":2,"name":"Money Academy","item":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/"},{"@type":"ListItem","position":3,"name":"Banking Basics","item":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/"},{"@type":"ListItem","position":4,"name":"Account Types","item":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/"},{"@type":"ListItem","position":5,"name":"Which New Chequing Account Holder Are You?"}]},{"@type":"WebSite","@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/#website","url":"https:\/\/www.rbcroyalbank.com\/en-ca\/","name":"RBC Royal Bank","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.rbcroyalbank.com\/en-ca\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/#\/schema\/person\/bb803c8c788a012e63a9d462796e27f3","name":"amychakravarty","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/99e46428c07cee608bc4971537f2420894eeda0d1e3811624cc045cbead4e2ce?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/99e46428c07cee608bc4971537f2420894eeda0d1e3811624cc045cbead4e2ce?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/99e46428c07cee608bc4971537f2420894eeda0d1e3811624cc045cbead4e2ce?s=96&d=mm&r=g","caption":"amychakravarty"}}]}},"parsely":{"version":"1.1.0","canonical_url":"https:\/\/rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/which-new-chequing-account-holder-are-you\/","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"Which New Chequing Account Holder Are You?","url":"http:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/which-new-chequing-account-holder-are-you\/","mainEntityOfPage":{"@type":"WebPage","@id":"http:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/which-new-chequing-account-holder-are-you\/"},"thumbnailUrl":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-new-chequing-account-holder_402x-2.jpg?quality=80&w=150&h=150&crop=1","image":{"@type":"ImageObject","url":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-new-chequing-account-holder_402x-2.jpg?quality=80"},"articleSection":"Uncategorized","author":[{"@type":"Person","name":"amychakravarty"}],"creator":["amychakravarty"],"publisher":{"@type":"Organization","name":"RBC Royal Bank","logo":""},"keywords":["banking\/ digital banking","managing money","payments","savings"],"dateCreated":"2017-04-25T14:00:00Z","datePublished":"2017-04-25T14:00:00Z","dateModified":"2024-02-05T16:11:35Z"},"rendered":"<script type=\"application\/ld+json\" class=\"wp-parsely-metadata\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"NewsArticle\",\"headline\":\"Which New Chequing Account Holder Are You?\",\"url\":\"http:\\\/\\\/www.rbcroyalbank.com\\\/en-ca\\\/my-money-matters\\\/money-academy\\\/banking-basics\\\/account-types\\\/which-new-chequing-account-holder-are-you\\\/\",\"mainEntityOfPage\":{\"@type\":\"WebPage\",\"@id\":\"http:\\\/\\\/www.rbcroyalbank.com\\\/en-ca\\\/my-money-matters\\\/money-academy\\\/banking-basics\\\/account-types\\\/which-new-chequing-account-holder-are-you\\\/\"},\"thumbnailUrl\":\"https:\\\/\\\/www.rbcroyalbank.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/12\\\/2023\\\/09\\\/thumb-new-chequing-account-holder_402x-2.jpg?quality=80&w=150&h=150&crop=1\",\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/www.rbcroyalbank.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/12\\\/2023\\\/09\\\/thumb-new-chequing-account-holder_402x-2.jpg?quality=80\"},\"articleSection\":\"Uncategorized\",\"author\":[{\"@type\":\"Person\",\"name\":\"amychakravarty\"}],\"creator\":[\"amychakravarty\"],\"publisher\":{\"@type\":\"Organization\",\"name\":\"RBC Royal Bank\",\"logo\":\"\"},\"keywords\":[\"banking\\\/ digital banking\",\"managing money\",\"payments\",\"savings\"],\"dateCreated\":\"2017-04-25T14:00:00Z\",\"datePublished\":\"2017-04-25T14:00:00Z\",\"dateModified\":\"2024-02-05T16:11:35Z\"}<\/script>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/rbcroyalbank.com\/p.js"},"featured_img":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-new-chequing-account-holder_402x-2.jpg?quality=80&w=930","coauthors":[],"author_meta":{"author_link":"https:\/\/www.rbcroyalbank.com\/en-ca\/author\/amychakravarty\/","display_name":"amychakravarty"},"relative_dates":{"created":"Posted 9 years ago","modified":"Updated 2 years ago"},"absolute_dates":{"created":"Posted on April 25, 2017","modified":"Updated on February 5, 2024"},"absolute_dates_time":{"created":"Posted on April 25, 2017 2:00 pm","modified":"Updated on February 5, 2024 11:11 am"},"featured_img_caption":"","tax_additional":{"post_tag":{"linked":["<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/banking-digital-banking\/\" class=\"advgb-post-tax-term\">Banking\/ Digital banking<\/a>","<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/managing-money\/\" class=\"advgb-post-tax-term\">Managing Money<\/a>","<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/payments\/\" class=\"advgb-post-tax-term\">Payments<\/a>","<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/savings\/\" class=\"advgb-post-tax-term\">Savings<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">Banking\/ Digital banking<\/span>","<span class=\"advgb-post-tax-term\">Managing Money<\/span>","<span class=\"advgb-post-tax-term\">Payments<\/span>","<span class=\"advgb-post-tax-term\">Savings<\/span>"],"slug":"post_tag","name":"Tags"},"rbc_content_type":{"linked":["<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/content-type\/infographic\/\" class=\"advgb-post-tax-term\">Infographic<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">Infographic<\/span>"],"slug":"rbc_content_type","name":"Content Types"},"rbc_audience":{"linked":["<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/audience\/students\/\" class=\"advgb-post-tax-term\">Students<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">Students<\/span>"],"slug":"rbc_audience","name":"Audiences"},"rbc_lob_group":{"linked":["<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/lob-group\/students\/\" class=\"advgb-post-tax-term\">Students<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">Students<\/span>"],"slug":"rbc_lob_group","name":"LOB Groups"},"rbc_difficulty_level":{"linked":["<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/difficulty-level\/beginner\/\" class=\"advgb-post-tax-term\">Beginner<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">Beginner<\/span>"],"slug":"rbc_difficulty_level","name":"Difficulty Levels"},"rbc_mmm_category":{"linked":["<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/mmm-category\/account-types\/\" class=\"advgb-post-tax-term\">Account Types<\/a>","<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/mmm-category\/banking-basics\/\" class=\"advgb-post-tax-term\">Banking Basics<\/a>","<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/mmm-category\/banking-tips\/\" class=\"advgb-post-tax-term\">Banking Tips<\/a>","<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/mmm-category\/money-academy\/\" class=\"advgb-post-tax-term\">Money Academy<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">Account Types<\/span>","<span class=\"advgb-post-tax-term\">Banking Basics<\/span>","<span class=\"advgb-post-tax-term\">Banking Tips<\/span>","<span class=\"advgb-post-tax-term\">Money Academy<\/span>"],"slug":"rbc_mmm_category","name":"Categories"},"ep_custom_result":{"linked":[],"unlinked":[],"slug":"ep_custom_result","name":"Custom Results"}},"series_order":"","jetpack_sharing_enabled":true,"primary_tag":"48","primary_rbc_mmm_category":"366","_links":{"self":[{"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/rbc_my_money_matter\/57342","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/rbc_my_money_matter"}],"about":[{"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/types\/rbc_my_money_matter"}],"author":[{"embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/users\/114"}],"version-history":[{"count":9,"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/rbc_my_money_matter\/57342\/revisions"}],"predecessor-version":[{"id":84383,"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/rbc_my_money_matter\/57342\/revisions\/84383"}],"up":[{"embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/rbc_my_money_matter\/57313"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/media\/60292"}],"wp:attachment":[{"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/media?parent=57342"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/tags?post=57342"},{"taxonomy":"rbc_content_type","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/rbc_content_type?post=57342"},{"taxonomy":"rbc_audience","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/rbc_audience?post=57342"},{"taxonomy":"rbc_lob_group","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/rbc_lob_group?post=57342"},{"taxonomy":"rbc_difficulty_level","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/rbc_difficulty_level?post=57342"},{"taxonomy":"rbc_mmm_category","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/rbc_mmm_category?post=57342"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}