Chequing account · Coast Capital Savings
Free Chequing, Free Debit, and More Account: fees and true cost
Coast Capital Savings’s Free Chequing, Free Debit, and More Account charges no monthly fee, with branch: unlimited · self-serve: unlimited transactions. For our “Everyday” example that comes to $30 a year, #13 of 106 chequing accounts offered in Ontario.
CDICOffered in AB, BC, MB, NB, NL, NS, NT, NU, ON, PE, SK, YT
Fees retrieved November 1, 2026
What it would cost you in a year
| Usage | Fees a year | Why | Rank |
|---|---|---|---|
| Light Mostly card and app, small balance | $0 | No monthly fee | 9 of 106 |
| Everyday Household account, a few e-Transfers | $30 | No monthly fee | 13 of 106 |
| Heavy Lots of card, bill and e-Transfer payments | $60 | No monthly fee | 15 of 106 |
| Branch and cheques Teller visits, cheques, paper statement | $36 | No monthly fee | 4 of 94 |
Try your own numbers in the true-cost finder.
Every fee FCAC lists for this account
| Item | Fee |
|---|---|
| Monthly fee | No monthly fee |
| Included transactions | Branch: unlimited · self-serve: unlimited |
| Debit purchase in Canada (beyond included) | No extra fee |
| Online or mobile bill payment | No extra fee |
| Interac e-Transfer | $1.50 |
| Online transfer between your accounts | No extra fee |
| Own-bank ATM withdrawal | No extra fee |
| Withdrawal at another institution’s ATM | $2.50 |
| ATM withdrawal in the United States | $5.00 |
| ATM withdrawal in other countries | $5.00 |
| Debit purchase in the United States | $5.00 |
| In-branch withdrawal | No extra fee |
| Bill payment in branch | No extra fee |
| Cheque (as a payment) | No extra fee |
| Mailed monthly statement | $3.00 |
| Non-sufficient funds (NSF) | $10.00 |
| Overdraft protection, monthly | No extra fee |
| Overdraft protection, per use | $5.00 |
| Overdraft interest | 21% a year |
Notes from the institution
Interac® Network ATM Transactions (Canada): $2.50 each International ATM Transactions: $5 each plus 2% administration fee on transaction amount. If paper statements are requested instead of eStatements, this account costs $3/membership per month. If paper cheque image returns are requested, this cost is $0.50/account per month, and you will receive images of all your cheques with your statement. If you don't write any cheques, no fee will be charged. No-Cost account holders will be exempt from these paper monthly statement and paper cheque image return fees. NSF Fee - applicable per Personal a
Is the money protected?
CDIC member. Eligible deposits are covered up to $100,000 per category at each CDIC member — see the deposit safety tool.
Cheaper for everyday use, at other institutions
- Wealthsimple Chequing (Wealthsimple) — $0 a year
- Personal Account (EQ Bank) — $0 a year
- 1Q Chequing Account (KEB Hana Bank Canada) — $0 a year
Other chequing accounts at Coast Capital Savings
- Elevate Chequing Account — $16.95/mo, or $0 with a $4,000 minimum balance
- Unlimited Chequing Account — $8.50/mo, or $0 with a $4,000 minimum balance
Source: FCAC Account Comparison Tool (data submitted by the institution), retrieved November 1, 2026 · Coast Capital Savings’s product page
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