{"id":89771,"date":"2026-02-05T09:19:55","date_gmt":"2026-02-05T14:19:55","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/?post_type=rbc_my_money_matter&#038;p=89771"},"modified":"2026-02-11T09:20:02","modified_gmt":"2026-02-11T14:20:02","slug":"no-fee-chequing-accounts-explained-how-they-work-and-what-to-watch-for","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/no-fee-chequing-accounts-explained-how-they-work-and-what-to-watch-for\/","title":{"rendered":"No-Fee Chequing Accounts Explained: How They Work and What to Watch For"},"content":{"rendered":"\n<div class=\"wp-block-rbc-rbc-block drop-shadow pos-rel top-line-blue block-wpr  mar-b-hlf\">\n<div class=\"wp-block-rbc-rbc-block-inner-block block-inner\">\n<h4 class=\"wp-block-heading\" id=\"h-tldr\">TLDR<\/h4>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>A no-fee chequing account is an account that charges no monthly maintenance fees<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>No-fee chequing accounts may charge for certain transactions and activities<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>If you\u2019re a senior, student, youth or newcomer, you may qualify for no-fee banking<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>There are a few ways to avoid banking fees in Canada<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p>A&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/accounts\/chequing-accounts.html\" data-dig-id=\"LP-89771-73e9ad37\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"chequing account&nbsp;in Canada\" class=\"rbc-link-format\">chequing account&nbsp;in Canada<\/a> is an important everyday account that you can use to buy essentials like gas and groceries, pay your bills and deposit your paycheque or government benefit.&nbsp;&nbsp;So, a chequing account shouldn\u2019t be complicated or come at a high price.&nbsp;<\/p>\n\n\n\n<p>Fortunately, there are chequing accounts available that come with no monthly fee and require no minimum balance \u2013 so it\u2019s there when you need it and doesn\u2019t cost you money when you don\u2019t.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-no-fee-chequing-account\">What is a no-fee chequing account?<\/h2>\n\n\n\n<p>A no-fee chequing account is as it sounds \u2013 it\u2019s a chequing account that charges no monthly maintenance fees. In some cases, a no-fee chequing account also requires no minimum monthly balance, so there is literally no cost to hold the account.<\/p>\n\n\n\n<p>Depending on the bank that issues the account, you may need to pay for certain transactions, but&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/bank-account-basics-chequing-savings-and-everything-in-between\/\" data-dig-id=\"LP-89771-bf8f38f9\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"many features are included\" class=\"rbc-link-format\">many features are included<\/a>. For instance, with most no-fee chequing accounts in Canada, you get unlimited deposits, access to online and mobile banking, a debit card, and at least 12 debit transactions per month.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-common-chequing-account-fees\">Common chequing account fees<\/h3>\n\n\n\n<p>So, if the account doesn\u2019t come with a monthly maintenance fee, what do you have to pay for? Here are some features and transactions that come with a charge:<\/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 class=\"is-style-default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default\">Debit transactions above a certain limit set by the bank<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Paper statements<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item is-style-default default\">\n<p class=\"is-style-default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default\">Wire transfers<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item is-style-default default\">\n<p class=\"is-style-default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default\">Use of an ATM outside your bank\u2019s network&nbsp;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item is-style-default default\">\n<p>Use of an ATM outside of Canada<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item is-style-default default\">\n<p class=\"is-style-default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default\">A payment or purchase made via your account outside of Canada&nbsp;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item is-style-default default\">\n<p>Overdrawing your account<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item is-style-default default\">\n<p>Non-sufficient funds (NSF) fees<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item is-style-default default\">\n<p class=\"is-style-default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default\">Certified cheques and money orders<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item is-style-default default\">\n<p>Paper cheques<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-benefits-of-a-no-monthly-fee-chequing-account\">Benefits of a no-monthly fee chequing account<\/h3>\n\n\n\n<p>While you may need to pay for a few extras, the main benefit of a no-fee chequing account is that your essentials are covered. In other words, you can hold an account through which you can pay for day-to-day expenses, deposit money and access it easily online, through an ATM or at a branch. Many no-fee chequing accounts also come with free budget management and tracking tools to help you manage your money. Some of them even let you earn rewards and cash back.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-is-a-no-fee-chequing-account-right-for-me\">Is a no-fee chequing account right for me?<\/h3>\n\n\n\n<p>A no-fee chequing account can be a great option if your financial needs are straightforward, you don\u2019t make a lot of transactions, and you want to keep your banking costs down. When deciding whether a no-fee chequing account is the right fit for you, it\u2019s worth thinking about how many purchases you like to make using your debit card in a month, how many bill payments you have, and if you often withdraw money from an ATM.&nbsp;<\/p>\n\n\n\n<p>Then, look at whether you would have to pay extra for these transactions and how those costs (if any) compare to accounts that include more features but come with a monthly fee.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-do-i-find-the-best-no-fee-chequing-account-for-me\">How do I find the best no-fee chequing account for me?<\/h2>\n\n\n\n<p>When looking at no-fee chequing accounts, there are a few things to consider to find the best fit for you. Here are some questions you can ask:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Does the bank have ATM machines near me<\/strong>? Remember, one of the common extra fees is using an ATM outside your bank\u2019s network \u2013 so if you like to withdraw cash regularly, you\u2019ll want an ATM close to work or home.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Does the account require a minimum balance?<\/strong>&nbsp;If carrying a balance in your account isn\u2019t an issue for you, this question may not be important. But if maintaining a minimum balance isn\u2019t realistic, you\u2019ll want to find an account that charges no monthly fee, no matter what your balance is.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Does the account come with any perks or rewards?<\/strong>&nbsp;Some offer budgeting tools, points, rewards or cash-back programs. For instance, RBC allows chequing account holders to collect Avion Points.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Is there someone I can talk to if I have a problem?<\/strong>&nbsp;Many no-fee chequing accounts are offered through online financial institutions. While this works for many people, if you prefer to deal with someone face-to-face, an account from a more traditional bank may be best for you. It\u2019s also worth reading customer reviews from banks you\u2019re considering to understand their customer service reputation.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Will the account help me avoid bank fees?&nbsp;<\/strong>Consider how you will use your account to figure out what to look for. Since some no-fee chequing accounts have limits on transactions or certain activities may trigger extra fees, you&#8217;ll want to understand exactly what you would be paying for (or not) with your account.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-do-i-open-a-no-fee-bank-account\">How do I open a no-fee bank account?<\/h2>\n\n\n\n<p>You can visit a bank branch to open your account, and many banks and credit unions allow you to open an account online. But at some point, you will need to verify your identity \u2013 when applying for a chequing account, you\u2019ll normally need to provide information like your full legal&nbsp;name, address and a copy of your government-issued photo ID.<\/p>\n\n\n\n<p>In some cases, you may also need to:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Be the age of majority in your province or territory&nbsp;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Be a resident of Canada<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Provide your Social Insurance Number (SIN)<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>If you\u2019re opening an account that requires an opening deposit, make sure you have that ready, too.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-group  mar-b-hlf has-rbc-bright-blue-tint-4-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading has-text-align-center\" id=\"h-browse-chequing-accounts\">Browse chequing accounts<\/h2>\n\n\n\n<p class=\"has-text-align-center\">Compare a variety of chequing accounts, including no-monthly-fee chequing accounts.<\/p>\n\n\n\n<div class=\"wp-block-buttons pad-b-hlf is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button  is-style-primary primary btn before\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcroyalbank.com\/bank-accounts\/chequing-accounts.html\" data-dig-id=\"LP-89771-d98bff85\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Chequing Accounts-https:\/\/www.rbcroyalbank.com\/bank-accounts\/chequing-accounts.html \">Chequing Accounts<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center\"><a href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/tools\/compare-credit-cards.html\" data-dig-id=\"LP-85779-c566a290\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Compare Credit Cards\" class=\"rbc-link-format\"><a href=\"https:\/\/www.rbcroyalbank.com\/accounts\/chequing-accounts.html\" data-dig-id=\"LP-89771-7009a399\" data-dig-label=\"Compare Chequing Accounts\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">Compare Chequing Accounts<\/a><\/a><\/p>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-frequently-asked-questions-about-no-fee-chequing-accounts\">Frequently asked questions about no-fee chequing accounts<\/h2>\n\n\n\n<p>Frequently asked questions about no-fee chequing accounts<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title6b3c3ce7\" class=\"collapse-toggle\" data-target=\"#accordion6b3c3ce7\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"true\" data-dig-id=\"LP-89771-6b3c3ce7\" aria-controls=\"accordion6b3c3ce7\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How can I avoid bank fees in Canada?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How can I avoid bank fees in Canada?<\/div><\/button><div class=\"collapse-content collapse show\" id=\"accordion6b3c3ce7\" role=\"region\" aria-labelledby=\"accordion-title6b3c3ce7\"><div class=\"collapse-inner\">\n<p>A no-fee chequing account can be a great option to avoid or minimize banking fees in Canada, particularly if you have straightforward financial needs. If you choose a no-fee chequing account, try to avoid activities that trigger extra fees \u2013 such as purchases in foreign currency, overdrawing your account or going over the monthly debit limit.<\/p>\n\n\n\n<p>Some banks also waive fees for certain groups \u2013 if you\u2019re a student, a senior or a newcomer, for instance, you may qualify for special rebates that result in no-fee banking. Several also offer bundled programs where if you have&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/accounts\/rbc-vantage.html\" data-dig-id=\"LP-89771-2e67ebd4\" data-dig-label=\"more than one product\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">more than one product<\/a>&nbsp;with them (i.e., a credit card, mortgage or investments), you can reduce or avoid bank fees.<\/p>\n\n\n\n<p>It\u2019s a good idea to compare the products, tools and customer service standards of banks near you to see how they can meet your financial needs \u2013 and then ask about discounts or rebates that could apply to you.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlefdbc5072\" class=\"collapse-toggle collapsed\" data-target=\"#accordionfdbc5072\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-89771-fdbc5072\" aria-controls=\"accordionfdbc5072\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Which banks offer free chequing accounts in Canada?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Which banks offer free chequing accounts in Canada?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionfdbc5072\" role=\"region\" aria-labelledby=\"accordion-titlefdbc5072\"><div class=\"collapse-inner\">\n<p>Many online banks offer free chequing accounts, but you can also find <a href=\"https:\/\/www.rbcroyalbank.com\/bank-accounts\/chequing-accounts\/advantage-banking.html\" data-dig-id=\"LP-89771-68040ecb\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"no-fee options for students, youth, newcomers and seniors at traditional banks.\" class=\"rbc-link-format\">no-fee options for students, youth, newcomers and seniors at traditional banks.<\/a>&nbsp;Most banks will offer a no- or reduced-monthly-fee option if you maintain a minimum balance or multiple products.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titledfa2c7a8\" class=\"collapse-toggle collapsed\" data-target=\"#accordiondfa2c7a8\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-89771-dfa2c7a8\" aria-controls=\"accordiondfa2c7a8\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Does a no-fee chequing account\u00a0earn interest?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Does a no-fee chequing account\u00a0earn interest?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiondfa2c7a8\" role=\"region\" aria-labelledby=\"accordion-titledfa2c7a8\"><div class=\"collapse-inner\">\n<p>Every bank will offer different perks and features with their accounts. If a no-fee chequing account also comes with a no minimum balance requirement, it\u2019s not likely you\u2019ll earn interest. If the account waives the fee when you maintain a certain balance, you may earn interest on the funds in your account.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n\n\n\n<p class=\"has-light-grey-background-color has-background\">While every bank offers no-fee chequing accounts, they are different in many ways. It&#8217;s easy to explore the options RBC provides\u2014compare&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/accounts\/chequing-accounts.html#new-to-canada\" data-dig-id=\"LP-89771-e1031da0\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"chequing accounts\" class=\"rbc-link-format\">chequing accounts<\/a>&nbsp;to see the accounts and&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/accounts\/rbc-vantage.html\" data-dig-id=\"LP-89771-ff1e604e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"banking rebates\" class=\"rbc-link-format\">banking rebates<\/a>&nbsp;RBC offers.<\/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","protected":false},"excerpt":{"rendered":"<p>No-fee chequing accounts charge no monthly maintenance fees. Find out what you get and what you don&#8217;t.<\/p>\n","protected":false},"author":80,"featured_media":89773,"parent":57313,"menu_order":0,"template":"wp-custom-template-mmm-sticky-nav","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[62,584,520,518,77],"rbc_content_type":[31],"rbc_audience":[59],"rbc_lob_group":[509],"rbc_difficulty_level":[33],"rbc_mmm_category":[366,318,304],"class_list":["post-89771","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-banking-digital-banking","tag-chequing-accounts","tag-managing-money","tag-new-to-canada","tag-personal-finance","rbc_content_type-article","rbc_audience-newcomer","rbc_lob_group-accounts","rbc_difficulty_level-beginner","rbc_mmm_category-account-types","rbc_mmm_category-banking-basics","rbc_mmm_category-money-academy"],"acf":{"contently_publication_id":"361777","custom_author":"Royal Bank of Canada","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":"Generate Table Of Contents"},"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=\"Find out how no-fee bank accounts work and what their benefits are. 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