{"id":29226,"date":"2017-04-07T14:53:00","date_gmt":"2017-04-07T14:53:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/?post_type=rbc_my_money_matter&#038;p=29226"},"modified":"2024-03-12T14:54:09","modified_gmt":"2024-03-12T14:54:09","slug":"quand-une-banque-indique-sans-frais-est-ce-reellement-sans-frais","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/investisseur-inspire\/academie-des-placements\/quand-une-banque-indique-sans-frais-est-ce-reellement-sans-frais\/","title":{"rendered":"Quand une banque indique \u00ab\u00a0sans frais\u00a0\u00bb, est-ce r\u00e9ellement sans frais\u00a0?"},"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\/fr-ca\/mes-finances-dabord\/sujets\/services-bancaires-services-bancaires-numeriques\/\">\n\t\t\t\t\t\t\t<span>Services bancaires\/services bancaires num\u00e9riques<\/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\">Quand une banque indique \u00ab\u00a0sans frais\u00a0\u00bb, est-ce r\u00e9ellement sans frais\u00a0?<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Sarita Harbour<\/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=\"975\" height=\"649\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/03\/Capture_542cc9.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Jeune couple examinant un relev\u00e9 bancaire sur le comptoir de la cuisine\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/03\/Capture_542cc9.jpg 975w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/03\/Capture_542cc9.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/03\/Capture_542cc9.jpg?resize=768,511 768w\" sizes=\"auto, (max-width: 975px) 100vw, 975px\" \/>\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=Quand une banque indique \u00ab\u00a0sans frais\u00a0\u00bb, est-ce r\u00e9ellement sans frais\u00a0? &#038;body=Bonjour, je pensais que cet article de RBC Mes finances d\u2019abord pourrait vous int\u00e9resser: https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/investisseur-inspire\/academie-des-placements\/quand-une-banque-indique-sans-frais-est-ce-reellement-sans-frais\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Courriel        <\/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\/fr-ca\/mes-finances-dabord\/investisseur-inspire\/academie-des-placements\/quand-une-banque-indique-sans-frais-est-ce-reellement-sans-frais\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copier l\u2019URL          <\/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 7 avril 2017 \u2022 5 min de lecture<\/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<p>Si vous \u00eates comme beaucoup de Canadiens, vous recherchez peut-\u00eatre toutes les occasions d\u2019\u00e9viter les frais d\u2019administration ou les frais bancaires inutiles. La CBC rapportait en 2017 que Statistique Canada avait \u00e9tabli que les Canadiens avaient pay\u00e9 en moyenne 216&nbsp;$ de frais bancaires en 2015. Ces frais comprennent non seulement les frais mensuels habituels, mais aussi des frais suppl\u00e9mentaires au titre de services comme les virements \u00e9lectroniques ou une protection contre les d\u00e9couverts<sup>1<\/sup>.<\/p>\n\n\n\n<p>Pour beaucoup, passer \u00e0 un compte \u00ab\u00a0sans frais\u00a0\u00bb peut sembler \u00eatre un choix \u00e9vident pour \u00e9conomiser des frais bancaires. Ces comptes peuvent toutefois \u00eatre assortis d\u2019une longue liste d\u2019exceptions, de limites et d\u2019autres restrictions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Un compte sans frais signifie-t-il qu\u2019il n\u2019y aura jamais aucuns frais d\u2019administration ou autres\u00a0?<\/h2>\n\n\n\n<p>Lorsqu\u2019il est indiqu\u00e9 qu\u2019un compte de ch\u00e8ques ou d\u2019\u00e9pargne est \u00ab&nbsp;sans frais&nbsp;\u00bb, il est possible que les clients soient exempt\u00e9s de certains frais d\u2019administration p\u00e9riodiques lorsqu\u2019ils remplissent certaines conditions, mais vous risquez de vous voir encore facturer des frais pour les op\u00e9rations non vis\u00e9es par votre convention de compte.<\/p>\n\n\n\n<p>Si vous envisagez d\u2019ouvrir un compte sans frais pour \u00e9conomiser des frais d\u2019administration, v\u00e9rifiez les cinq types de frais ci-dessous, qui peuvent finir pas vous co\u00fbter plus cher.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Frais de guichet automatique<\/h3>\n\n\n\n<p>Pour les Canadiens qui s\u2019arr\u00eatent souvent \u00e0 un guichet automatique, un compte bancaire sans frais peut sembler \u00eatre un bon moyen d\u2019\u00e9viter des frais irritants. Si votre convention de compte pr\u00e9voit une exon\u00e9ration des frais d\u2019acc\u00e8s pour un certain nombre de retraits \u00e0 un guichet automatique, ou m\u00eame pour un nombre illimit\u00e9 de retraits aux guichets de votre propre banque, cela ne signifie pas n\u00e9cessairement que vous \u00e9chapperez aux frais d\u2019acc\u00e8s ou d\u2019utilisation que peuvent facturer d\u2019autres banques pour un retrait \u00e0 leur guichet automatique. V\u00e9rifiez votre convention de compte, car des frais pourraient vous \u00eatre factur\u00e9s par les deux institutions lorsque vous utilisez le guichet automatique d\u2019une autre institution financi\u00e8re.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Frais de guichet des banques en ligne<\/h3>\n\n\n\n<p>Vous envisagez d\u2019ouvrir un compte dans une banque n\u2019offrant que des services bancaires \u00e9lectroniques pour \u00e9viter les frais associ\u00e9s aux op\u00e9rations effectu\u00e9es aupr\u00e8s d\u2019un caissier&nbsp;? Si ces comptes fonctionnent parfaitement pour la r\u00e9ception de paiements num\u00e9riques et m\u00eame pour le d\u00e9p\u00f4t mobile de ch\u00e8ques canadiens, ils peuvent s\u2019av\u00e9rer co\u00fbteux si vous avez besoin de l\u2019aide d\u2019un caissier pour une autre op\u00e9ration. R\u00e9fl\u00e9chissez soigneusement \u00e0 toutes les op\u00e9rations que vous pourriez avoir \u00e0 faire. Le compte \u00e0 faible frais (voire sans frais) que vous avez ouvert dans une banque en ligne canadienne pourrait s\u2019accompagner de frais importants si vous devez vous rendre au guichet pour d\u00e9poser le ch\u00e8que en dollars am\u00e9ricains que vous a envoy\u00e9 tante Francine de Floride pour votre anniversaire.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Frais de virement de fonds par courriel<\/h3>\n\n\n\n<p>Les transferts \u00e9lectroniques de fonds peuvent \u00eatre un moyen s\u00fbr et rapide d\u2019envoyer de l\u2019argent, mais vous pourriez devoir payer pour transf\u00e9rer des fonds si votre forfait bancaire ne pr\u00e9voit pas un nombre illimit\u00e9 de virements par courriel. Si vous envoyez couramment de l\u2019argent \u00e0 des amis, \u00e0 de la famille ou m\u00eame \u00e0 vous-m\u00eame pour le d\u00e9poser dans un autre compte, les transferts \u00e9lectroniques pourraient vous co\u00fbter des frais suppl\u00e9mentaires d\u2019un dollar ou plus \u00e0 chaque op\u00e9ration<sup>2<\/sup>. Envisagez plut\u00f4t d\u2019ouvrir un compte-ch\u00e8ques personnel permettant d\u2019effectuer des virements de fonds par courriel sans frais.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Frais de t\u00e9l\u00e9virement<\/h3>\n\n\n\n<p>Envoyez-vous ou recevez-vous r\u00e9guli\u00e8rement des fonds par t\u00e9l\u00e9virement \u00e0 l\u2019ordre ou de la part de personnes se trouvant au Canada ou \u00e0 l\u2019\u00e9tranger&nbsp;? Si tel est le cas, vous pourriez vous exposer \u00e0 des frais bancaires, m\u00eame avec un compte bancaire sans frais. Certaines institutions financi\u00e8res canadiennes peuvent facturer 15&nbsp;$ ou plus par t\u00e9l\u00e9virement re\u00e7u.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Frais de relev\u00e9s papier<\/h3>\n\n\n\n<p>Les relev\u00e9s \u00e9lectroniques (sans papier) tendent rapidement \u00e0 devenir la norme. Cependant, m\u00eame si vous ne payez pas de frais mensuels pour votre compte bancaire, vous pourriez voir appara\u00eetre des frais pouvant atteindre 2&nbsp;$ par mois pour l\u2019envoi de relev\u00e9s papier<sup>3<\/sup>.<\/p>\n\n\n\n<p>Comme pour nombre de d\u00e9cisions d\u2019ordre financier, il peut \u00eatre important, pour \u00e9conomiser de l\u2019argent, d\u2019examiner attentivement votre convention de compte bancaire sans frais. En ayant connaissance des situations ou des op\u00e9rations susceptibles d\u2019entra\u00eener des frais d\u2019administration ou des frais sur op\u00e9rations, vous \u00e9viterez des frais bancaires auxquels vous pensiez que votre compte \u00ab\u00a0sans frais\u00a0\u00bb vous permettait d\u2019\u00e9chapper.<\/p>\n\n\n\n<p><b>Sources<\/b><\/p>\n\n\n\n<p>1. CBC News: <a href=\"https:\/\/www.cbc.ca\/news\/business\/bank-fees-tips-1.4025828\" target=\"_blank\" data-dig-id=\"LP-29226-5354a4d8\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"4 Money-saving reasons you should check your bank statements\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">4 Money-saving reasons you should check your bank statements<\/a>, March 17, 2017<\/p>\n\n\n\n<p>2. Globe &amp; Mail: <a href=\"https:\/\/www.theglobeandmail.com\/globe-investor\/personal-finance\/household-finances\/memo-to-banks-e-transfers-are-not-a-fad\/article30250776\/\" data-dig-id=\"LP-29226-5f5e6920\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Memo to banks: e-transfers are not a fad\" class=\"rbc-link-format\">Memo to banks: e-transfers are not a fad<\/a>, June 2, 2016<\/p>\n\n\n\n<p>3. Royal Bank: <a href=\"https:\/\/www.rbcbanqueroyale.com\/search-public\/index.html?IR_INTERFACE_ID=7&amp;type=0&amp;question=Comment+modifier+mes+options+de+relev%C3%A9+de+compte\" data-dig-id=\"LP-29226-3347d234\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"How do I change my statement options?\" class=\"rbc-link-format\">How do I change my statement options?<\/a><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse942faa40\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse942faa40\" data-dig-id=\"LP-32776-942faa40\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Un mot de nos avocats\"><span>Un mot de nos avocats<\/span><span>Un mot de nos avocats<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse942faa40\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>Le pr\u00e9sent article vise \u00e0 offrir des renseignements g\u00e9n\u00e9raux seulement et n\u2019a pas pour objet de fournir des conseils juridiques ou financiers, ni d\u2019autres conseils professionnels. Veuillez consulter un conseiller professionnel en ce qui concerne votre situation particuli\u00e8re. Les renseignements pr\u00e9sent\u00e9s sont r\u00e9put\u00e9s \u00eatre factuels et \u00e0 jour, mais nous ne garantissons pas leur exactitude et ils ne doivent pas \u00eatre consid\u00e9r\u00e9s comme une analyse exhaustive des sujets abord\u00e9s. Les opinions exprim\u00e9es refl\u00e8tent le jugement des auteurs \u00e0 la date de publication et peuvent changer. La Banque Royale du Canada et ses entit\u00e9s ne font pas la promotion, ni explicitement ni implicitement, des conseils, des avis, des renseignements, des produits ou des services de tiers.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Partager cet 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=Quand une banque indique \u00ab\u00a0sans frais\u00a0\u00bb, est-ce r\u00e9ellement sans frais\u00a0? &#038;body=Bonjour, je pensais que cet article de RBC Mes finances d\u2019abord pourrait vous int\u00e9resser: https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/investisseur-inspire\/academie-des-placements\/quand-une-banque-indique-sans-frais-est-ce-reellement-sans-frais\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Courriel        <\/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\/fr-ca\/mes-finances-dabord\/investisseur-inspire\/academie-des-placements\/quand-une-banque-indique-sans-frais-est-ce-reellement-sans-frais\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copier l\u2019URL          <\/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-34366462-3b0c-4f63-9410-4ef9e8456b95\" 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\/fr-ca\/mes-finances-dabord\/sujets\/services-bancaires-services-bancaires-numeriques\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Services bancaires\/services bancaires num\u00e9riques<\/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-a-lire-ensuite\">\u00c0 lire ensuite<\/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\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Une jeune femme plong\u00e9e dans ses pens\u00e9es\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg 8640w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/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\/fr-ca\/mes-finances-dabord\/academie-financiere\/connaissances-financieres-de-base\/types-de-comptes\/\">\n\t\t\t\t\t\tTypes de comptes\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\/fr-ca\/mes-finances-dabord\/academie-financiere\/connaissances-financieres-de-base\/types-de-comptes\/compte-depargne-libre-dimpot\/\" class=\"card-title h4 mar-t-0\">Qu\u2019est-ce qu\u2019un CELI et comment fonctionne-t-il ?<\/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\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/11\/shutterstock_2237371329-1.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Des pi\u00e8ces empil\u00e9es sont prot\u00e9g\u00e9es par un parasol rouge sur une table en bois\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/11\/shutterstock_2237371329-1.jpg 6016w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/11\/shutterstock_2237371329-1.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/11\/shutterstock_2237371329-1.jpg?resize=768,513 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/11\/shutterstock_2237371329-1.jpg?resize=1024,684 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/11\/shutterstock_2237371329-1.jpg?resize=1536,1025 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/11\/shutterstock_2237371329-1.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\/fr-ca\/mes-finances-dabord\/academie-financiere\/connaissances-financieres-de-base\/types-de-comptes\/\">\n\t\t\t\t\t\tTypes de comptes\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\/fr-ca\/mes-finances-dabord\/academie-financiere\/connaissances-financieres-de-base\/types-de-comptes\/quest-ce-que-la-sadc-et-comment-protege-t-elle-votre-argent\/\" class=\"card-title h4 mar-t-0\">Qu\u2019est-ce que la SADC et comment prot\u00e8ge-t-elle votre argent ?<\/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\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-08-02T113334.159.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Image descriptive d&#039;un jeu de fl\u00e9chettes\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-08-02T113334.159.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-08-02T113334.159.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-08-02T113334.159.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\/fr-ca\/mes-finances-dabord\/academie-financiere\/connaissances-financieres-de-base\/types-de-comptes\/\">\n\t\t\t\t\t\tTypes de comptes\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\/fr-ca\/mes-finances-dabord\/academie-financiere\/connaissances-financieres-de-base\/types-de-comptes\/selecteur-de-compte-un-compte-cheques-un-compte-depargne-les-deux-comptes\/\" class=\"card-title h4 mar-t-0\">S\u00e9lecteur de compte : un compte ch\u00e8ques, un compte d&rsquo;\u00e9pargne, les deux comptes ?<\/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-34366462-3b0c-4f63-9410-4ef9e8456b95 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-34366462-3b0c-4f63-9410-4ef9e8456b95 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p> Si vous pensez que votre compte bancaire sans frais signifie que vous n\u2019aurez plus jamais de frais d\u2019administration ou de frais sur op\u00e9rations, vous pourriez avoir des surprises.<\/p>\n","protected":false},"author":80,"featured_media":29227,"parent":7089,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[129],"rbc_content_type":[121],"rbc_audience":[],"rbc_lob_group":[122],"rbc_difficulty_level":[123],"rbc_mmm_category":[32,45,93,91],"class_list":["post-29226","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-services-bancaires-services-bancaires-numeriques","rbc_content_type-article","rbc_lob_group-entreprises","rbc_difficulty_level-beginner","rbc_mmm_category-academie-financiere","rbc_mmm_category-connaissances-financieres-de-base","rbc_mmm_category-conseils-bancaires","rbc_mmm_category-types-de-comptes"],"acf":{"contently_publication_id":"","custom_author":" Sarita 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