01 · coverage
List required services
Count the actual transactions, cash access, cheques, transfers, alerts, ownership and support you need.
Private calculator
Compare two verified scenarios.
Use numbers from each institution's current fee schedule. Enter monthly totals for variable usage rather than personal transaction details.
Browser-private · aggregate stages only
Scenario A
Your current account or first option.
Scenario B
The account or package you are considering.
Scenario A total$0
Scenario B total$0
Annual difference$0
Illustration only. Opportunity cost is a simple annual pre-tax rate × waiver balance and ignores compounding, tax, rate changes and different risks. A lower calculated cost is not automatically a better account.
Before choosing
Confirm the jobs and the rules.
A cheap account can become expensive when it excludes the services you actually use or when a waiver balance crowds out a better use for the money.
02 · agreement
Copy current terms
Use the institution's fee schedule and account agreement. Fees may change; save the terms you rely on.
03 · incidents
Separate avoidable risks
Turn on balance alerts and plan pre-authorized debits. Personal-account NSF rules differ from business accounts.
Corrected August 13, 2026: the previous 2025 bank-fee tables, $45–$48 personal NSF claims, unsupported averages, provider rankings, conflicting KOHO bonus amounts, invented code and product claims, pre-consent Google analytics, duplicate footers and pressure CTAs were removed. Current federal rules cap NSF fees for federally regulated personal deposit accounts at $10 under defined conditions; verify scope and current terms.
Primary sources
Verify before entering numbers.
Reviewed August 13, 2026. Institution schedules and government rules can change; the current agreement and applicable law control.
FCAC · Chequing accounts and feesIncluded transactions, waivers, service fees, current personal-account NSF limits and ways to reduce costs.FCAC · Low-cost and no-cost accountsCurrent eligibility and minimum included-service commitments.FCAC · ATM feesPotential institution and machine-owner charges and current cost-reduction guidance.