Chequing account · Kawartha Financial Services
Chequing (Convenience Package): fees and true cost
Kawartha Financial Services’s Chequing (Convenience Package) charges $15.00/mo, or $0 with a $3,000 minimum balance, with branch: 0 · self-serve: unlimited transactions. For our “Everyday” example that comes to $204 a year, #36 of 106 chequing accounts offered in Ontario.
Provincial insurerOffered 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 | $180 | Monthly fee $15.00 | 60 of 106 |
| Everyday Household account, a few e-Transfers | $204 | Monthly fee $15.00 | 36 of 106 |
| Heavy Lots of card, bill and e-Transfer payments | $228 | Monthly fee $15.00 | 37 of 106 |
| Branch and cheques Teller visits, cheques, paper statement | $204 | Monthly fee $15.00 | 50 of 94 |
Try your own numbers in the true-cost finder. Is keeping $3,000 in the account worth it? Run it in the account-fee calculator.
Every fee FCAC lists for this account
| Item | Fee |
|---|---|
| Monthly fee | $15.00/mo, or $0 with a $3,000 minimum balance |
| Included transactions | Branch: 0 · self-serve: 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 | $2.00 |
| 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 (Breakfree Package - Youth & Student) — No monthly fee
- Chequing (Complete Package) — $27.00/mo, or $0 with a $5,000 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
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