Chequing Accounts
Tailored accounts that put you first
When it comes to banking, one size doesn’t fit all. Our suite of plans includes a convenient pay-as-you-go option and two premium tiered plans offering a range of free Interac e-Transfers® and the option to waive monthly fees with a minimum daily balance or monthly payroll/pension direct deposit.
The Premium Unlimited plan also features our new Benefits1 Bundle which includes free, unlimited access to legal, estate, identify theft and home referral assistance.
All of our chequing accounts – with the exclusion of the U.S. Dollar account – come with free transactions at Creative Arts Financial ATMs and more than 2,500 surcharge-free ATMs across Canada through THE EXCHANGE Network®.
Consider the plan that works best for you
OCCASIONAL banking
Pay As You Go
Pay for what you use when you use it and any services you need, with no monthly fee.
$0/month
- $1 per in-branch withdrawal, cheque and pre-authorized debit
- $0 per bill payment and transfer
- $0.50 per Interac® Debit or Debit Mastercard® point of sale or online transaction
- $1.50 per Interac e-Transfer
- $2.50/month for overdraft protection
Everyday banking
Premium
Get unlimited transactions and 10 free Interac e-Transfers each month with a low monthly fee that can be waived.
$13.95/month
- Only $6.98/month for seniors (60+) and free for students (under 25)
- No monthly fee when you maintain a minimum daily balance of $4,000 or minimum monthly payroll/pension direct deposit of $1,500 ($1,000 for seniors)
- Unlimited transactions
- 10 free Interac e-Transfers
- No monthly fee for overdraft protection, plus a reduced interest rate on overdraft balances
- Rebate of up to $60 on the annual fee for your Creative Arts Financial Visa*
UNLIMITED banking
Premium Unlimited
Enjoy unlimited transactions and Interac e-Transfers with a waivable monthly fee and free access to the Benefits1 Bundle.
$19.95/month
- Only $9.98/month for seniors (60+) and students (under 25)
- No monthly fee when you maintain a minimum daily balance of $6,000 or monthly payroll/pension direct deposit of $2,500
- Unlimited Interac e-Transfers and transactions, including international ATM and point of sale use
- No monthly fee for overdraft protection, plus a reduced interest rate on overdraft balances
- Rebate of up to $75 on the annual fee for your Creative Arts Financial Visa*
- Two cheque orders/year, unlimited bank drafts, free certified cheques, 15% off safe deposit box rental
- Free, unlimited access to legal, estate, identity theft and home referral assistance through our Benefits1 Bundle
Looking for a U.S. Dollar chequing account?
U.S. banking
U.S. Dollar
Frequent visitors to the United States can forget about the hassle of currency exchange and exchange rates.
$1/month (charged in USD)
- No monthly fee when you maintain a minimum daily balance of $200 USD
- Two free debits ($0.50 USD each thereafter)
- Unlimited free deposits
- ATM and point of sale services are not available on this account
Can't decide which account is right for you? Compare our chequing accounts ❐
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Fees associated with this account
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