Chequing account · Kawartha Financial Services
Chequing (Breakfree Package - Youth & Student): fees and true cost
Kawartha Financial Services’s Chequing (Breakfree Package - Youth & Student) charges no monthly fee, with unlimited transactions. For our “Everyday” example that comes to $0 a year, #5 of 107 chequing accounts offered in Ontario.
Provincial insurerStudentsYouth (18 and under)Offered in ON
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 | 11 of 107 |
| Everyday Household account, a few e-Transfers | $0 | No monthly fee | 5 of 107 |
| Heavy Lots of card, bill and e-Transfer payments | $0 | No monthly fee | 5 of 107 |
| Branch and cheques Teller visits, cheques, paper statement | $24 | No monthly fee | 4 of 95 |
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 | Unlimited |
| Debit purchase in Canada (beyond included) | No extra fee |
| Online or mobile bill payment | No extra fee |
| Interac e-Transfer | No extra fee |
| Online transfer between your accounts | No extra fee |
| Own-bank ATM withdrawal | No extra fee |
| Withdrawal at another institution’s ATM | No extra fee |
| ATM withdrawal in the United States | $5.00 |
| ATM withdrawal in other countries | $5.00 |
| Debit purchase in the United States | No extra fee |
| In-branch withdrawal | No extra fee |
| Bill payment in branch | No extra fee |
| Cheque (as a payment) | No extra fee |
| Mailed monthly statement | $2.00 |
| Non-sufficient funds (NSF) | $45.00 |
| Overdraft protection, monthly | $5.00 |
| Overdraft protection, per use | No extra fee |
| 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?
FSRA, as a division of Libro Credit Union. Shares Libro’s coverage. Credit union deposits are insured by the province, with limits that vary — see credit union insurance by province.
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 Kawartha Financial Services
- Chequing (Complete Package) — $27.00/mo, or $0 with a $5,000 minimum balance
- Chequing (Convenience Package) — $15.00/mo, or $0 with a $3,000 minimum balance
- Chequing (Essentials Package) — $10.00/mo, or $0 with a $2,000 minimum balance
- Chequing (Pay As You Go) — No monthly fee
Source: FCAC Account Comparison Tool (data submitted by the institution), retrieved November 1, 2026 · Kawartha Financial Services’s product page
Educational information only, not financial, legal or tax advice. CanadianBanks.ca is independent and is not affiliated with, endorsed by or paid by any institution listed. Confirm details with the institution and the official sources linked on each page before you act. Read the full disclaimer.