Part of the MITEY Network · independent, not a bankFees retrieved November 1, 2026 · lists checked October 30, 2026

Compare · accounts and institutions

Compare Canadian bank accounts side by side

Pick up to three chequing or savings accounts and see every listed fee next to what each would cost you in a year. Below, compare the institutions behind them — charter, regulator and deposit protection. No scores, no paid placement.

Fee data retrieved November 1, 2026
Mitey the Yeti pointing at three accounts side by side

Pick an example profile, or set your exact numbers in the finder.

TD Unlimited Chequing Account vs Personal Account vs No Fee Chequing Account — fees as listed with FCAC, retrieved November 1, 2026
ItemTD Unlimited Chequing AccountPersonal AccountNo Fee Chequing Account
InstitutionTD Canada TrustEQ BankSimplii Financial
Fees a year at your usage$215$0 ✓ lowest$18
Monthly fee and waiver$17.95/mo, or $0 with a $4,000 minimum balanceNo monthly feeNo monthly fee
Included transactionsUnlimitedBranch: 0 · self-serve: unlimitedBranch: 0 · self-serve: unlimited
Interac e-TransferNo extra feeNo extra feeNo extra fee
Debit purchase over the limitNo extra feeNo extra feeNo extra fee
Other-bank ATMNo extra feeNo extra fee$1.50
In-branch withdrawalNo extra feeNot availableNot available
NSF fee$10.00No extra fee$10.00
InterestNone1%0.01%
Deposit protectionCDIC memberCDIC memberCDIC member
Offered inAll provincesAll provincesAll provinces

Compare the institutions

Comparison of RBC Royal Bank, EQ Bank, Vancity from OSFI, CDIC and provincial lists, checked October 30, 2026
AttributeRBC Royal BankEQ BankVancity
TypeBig Six bank (Schedule I)Domestic bank (Schedule I)Provincial credit union
Legal nameRoyal Bank of CanadaEquitable BankVancouver City Savings Credit Union
StatusActiveActiveActive
Owner / parent—EQB Inc. (TSX: EQB)—
Head officeCorporate headquarters Toronto, ON; head office Montreal, QCToronto, ONVancouver, BC
RegulatorOffice of the Superintendent of Financial Institutions (OSFI) for safety and soundness; Financial Consumer Agency of Canada (FCAC) for consumer protectionOffice of the Superintendent of Financial Institutions (OSFI) for safety and soundness; Financial Consumer Agency of Canada (FCAC) for consumer protectionBC Financial Services Authority
CDIC member (main entity)YesYesYes
Deposit protectionCDIC member. Several RBC group companies (for example Royal Bank Mortgage Corporation and The Royal Trust Company) are separate CDIC members with their own limits.CDIC member under the EQ Bank name. Equitable Trust, Concentra Bank and President’s Choice Bank are separate CDIC members in the same group.Provincially insured by B.C.’s Credit Union Deposit Insurance Corporation (unlimited). Its subsidiary Vancity Community Investment Bank is a separate CDIC member.
Mitey the Yeti, CanadianBanks.ca’s guide, pointing out a tip
Mitey’s note

Comparing protection? Limits apply per member, per category. A credit union with unlimited provincial coverage and a bank with CDIC coverage protect deposits differently — the deposit safety tool shows how.

Frequently asked questions

Where do the fees come from?

From each institution’s listing in FCAC’s Account Comparison Tool, retrieved November 1, 2026. Every account links to its full fee schedule and the institution’s product page.

Can I share a comparison?

Yes. The page address updates with your selection, so you can copy and share the link.

Why does the yearly cost change when I change the usage?

Accounts with transaction limits, per-use fees or balance waivers cost different amounts for different people. The yearly cost is worked out by the same engine as the account finder.

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.