Tools
Free Canadian banking tools
The true-cost finder and five calculators and planners that run entirely in your browser. No sign-up, nothing sent to us, and every fee and rule they use is linked to its official source.
True-cost account finder
Ranks all 330 chequing and savings accounts (FCAC’s list plus National Bank) by what they’d cost you in a year — waivers, extra transactions and ATM fees included.
Open →SafetyDeposit safety tool
Is my money safe? CDIC categories, brands that share a limit, provincial credit union insurers, fintech partner banks and a GIC split planner.
Open →CompareCompare accounts side by side
Every FCAC-listed fee for up to three accounts, plus the yearly cost at your usage.
Open →FeesAccount-fee calculator
Pay the monthly fee, hold the minimum balance, or switch to a no-fee account — including the after-tax interest you give up.
Open →SwitchBank-switching checklist
A personalised, dated plan for moving pay, bills, autodeposit and registered plans.
Open →HoldsCheque-hold calculator
The latest date a bank can hold your cheque under the Access to Funds Regulations, skipping your province’s holidays.
Open →Every tool shows a worked example computed by the same engine you use, so you can check the maths before trusting your own result.