Chequing account · Digital Commerce Bank
DCBank Personal Bank Account: fees and true cost
Digital Commerce Bank’s DCBank Personal Bank Account charges $9.95/mo, no balance waiver, with none included (each one is charged) transactions. For our “Everyday” example that comes to $1,529 a year, #33 of 33 chequing accounts offered nationwide.
CDICOffered in all ten provinces
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 | $803 | Monthly fee $9.95; extra transactions $57.00/mo | 33 of 33 |
| Everyday Household account, a few e-Transfers | $1,529 | Monthly fee $9.95; extra transactions $116.50/mo | 33 of 33 |
| Heavy Lots of card, bill and e-Transfer payments | $2,351 | Monthly fee $9.95; extra transactions $184.00/mo | 33 of 33 |
| Branch and cheques Teller visits, cheques, paper statement | n/a | Can’t do: branch transactions, cheques, paper statements | — |
Try your own numbers in the true-cost finder.
Every fee FCAC lists for this account
| Item | Fee |
|---|---|
| Monthly fee | $9.95/mo, no balance waiver |
| Included transactions | None included (each one is charged) |
| Debit purchase in Canada (beyond included) | No extra fee |
| Online or mobile bill payment | $1.00 |
| Interac e-Transfer | $1.50 |
| Online transfer between your accounts | $25.00 |
| Own-bank ATM withdrawal | $1.00 |
| Withdrawal at another institution’s ATM | $1.00 |
| ATM withdrawal in the United States | $1.00 |
| ATM withdrawal in other countries | $1.00 |
| Debit purchase in the United States | No extra fee |
| In-branch withdrawal | Not available |
| Bill payment in branch | Not available |
| Cheque (as a payment) | Not available |
| Mailed monthly statement | Not available |
| Non-sufficient funds (NSF) | No extra fee |
| Overdraft protection, monthly | No extra fee |
| Overdraft protection, per use | $5.00 |
| Overdraft interest | Not stated |
Notes from the institution
FCAC retrieved information for this account from publicly available information on the financial institution's website. Product features, fees, rates and eligibility requirements may change. Please verify current account details directly with the financial institution.
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
- Neo Chequing account (Essentials) (Neo Financial) — $0 a year
Source: FCAC Account Comparison Tool (data submitted by the institution), retrieved November 1, 2026 · Digital Commerce Bank’s product page
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