Amos is the Abitibi County regional capital, known for agriculture and cooperative culture. Compare the best banks for chequing, savings, and affordable mortgage options.
⚠️ Important: No First-Time Buyer Rebate in Quebec
Unlike Ontario, Quebec has no provincial first-time buyer rebate on Droits de mutation (welcome tax). All buyers — including first-timers — pay the full Droits de mutation. Plan your closing costs accordingly.
Amos is a small city of about 13,000 in the Abitibi-Témiscamingue region, serving as the regional capital of Abitibi County. Named after the biblical prophet, Amos was founded in 1914 as part of the colonization of northwestern Quebec. The local economy is based on agriculture, forestry, mining services, and public administration. Amos is also home to an important dairy industry and several agri-food businesses. Housing is among the most affordable in Quebec, with single-family homes typically priced between $160,000 and $250,000.
Amos is a strongly francophone community where Desjardins caisses populaires are the undisputed leader in retail banking. The cooperative model is deeply ingrained in Abitibi's agricultural and rural culture. National Bank and TD both have a presence in Amos for residents seeking a chartered bank. KOHO and EQ Bank are increasingly popular digital options for residents who want zero-fee banking and higher interest rates while maintaining their Desjardins account for mortgage and community banking needs.
Amos: Earn Cash Back + 3% Interest — $0 Fees
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Best everyday chequing for Amos. No monthly fees, cash back on groceries and transit, bilingual French/English app. Keep your Desjardins account and add KOHO for daily spending.
Canada's best savings rate — fully available to all Quebec residents including Amos. Earn 3.75% on TFSA with zero fees. Best for Abitibi-Témiscamingue residents building an emergency fund or FHSA.
Desjardins caisses populaires are the undisputed banking leader in Amos, deeply rooted in Abitibi's agricultural and cooperative heritage. Full French-language service, unlimited FADMD deposit insurance, and competitive mortgage rates.
TD provides full-service banking in the Amos area with French-language advisors, mortgage financing, and TD Wealth Management. A solid choice for residents who prefer a national chartered bank.
Headquartered in Montréal, National Bank is the top choice for Quebec professionals. Strong Abitibi-Témiscamingue branch presence with competitive mortgage products and full French-language service throughout Quebec.
RBC offers full-service banking in Amos including RBC Wealth Management, business banking, and bilingual advisors. Canada's largest bank by assets with branches across the Abitibi-Témiscamingue area.
Droits de Mutation (Welcome Tax) Calculator — Amos
⚠️ Quebec does not offer a first-time homebuyer rebate on droits de mutation.
Quebec's Droits de mutation applies to ALL buyers including first-timers. There is no provincial rebate or exemption. Budget this as a closing cost alongside notary fees.
Quebec's Droits de mutation applies province-wide. Estimated welcome tax on a typical Amos home ($210,000): $1,836. No first-time buyer rebate exists in Quebec.
🏦 Meilleure banque sans frais au Québec
KOHO is a free Visa prepaid card with cash back — no monthly fees, no minimum balance. Popular with Quebecers who want to keep their Desjardins and add a no-fee everyday card.
Amos offers affordable housing relative to southern Quebec. Single-family homes typically range from $160,000–$250,000. On a $210,000 purchase, droits de mutation is approximately $1,835. No first-time buyer rebate exists in Quebec.
Which bank dominates Amos?
Desjardins caisses populaires are the undisputed banking leader in Amos, deeply rooted in Abitibi's agricultural cooperative culture.
What is the best no-fee bank in Amos, Quebec?
KOHO is the best no-fee bank for Amos residents in 2025. It charges $0/month forever, pays 3% interest on your entire balance, and offers cash back on everyday spending. EQ Bank is the best choice for TFSA and RRSP savings at 3.75%. Both work seamlessly alongside a local Desjardins account for mortgage and community banking needs.
Do first-time buyers in Amos get a Droits de mutation rebate?
No. Quebec has no provincial first-time buyer rebate on Droits de mutation. All buyers in Amos pay the full welcome tax regardless of purchase history. This is a significant difference from Ontario, which offers up to $4,000 back for first-time buyers. Budget the full Droits de mutation amount as a closing cost.