No fee everyday banking
Set up direct deposit and skip the monthly fee. Free to open, and the Easy plan has no monthly fee. Worth doing if you will actually move your pay or your CRA deposits over, not if the card sits unused. Code BREMO2026.
Blackstock and Scugog Township: banking for this agricultural community in Durham Region between Port Perry and Bowmanville.
| # | Bank | Monthly Fee | Interest Rate | Deposit Insurance |
|---|---|---|---|---|
| 🏉 | KOHO | $0 | 3.0% on savings | CDIC (federal) |
| 🏊 | EQ Bank | $0 | 3.75% HISA/FHSA | CDIC (federal) |
| 🏋 | Community First Credit Union | $0–$10 | 0.5–1.5% HISA | DICO (Ontario) unlimited |
| 4 | TD Bank | $10.95–$29.95 | 0.01% | CDIC (federal) |
| 5 | RBC | $11.95–$30.00 | 0.01% | CDIC (federal) |
KOHO is the best everyday banking choice for Blackstock residents. $0 fees and 3% interest beat any big-bank account charging $15–$30/month at 0.01%. Use referral code BREMO2026 for a $20 signup bonus.
EQ Bank's 3.75% FHSA is the best savings rate for Blackstock first-time buyers. Contribute $8,000/year (up to $40,000 lifetime) with tax deduction and tax-free growth — ideal for building a down payment in Durham Region.
Community First Credit Union is the most community-rooted institution serving Blackstock. Community First CU serves the Blackstock and Scugog Township area with community banking and local property financing expertise for Durham Region agricultural communities.
TD serves Durham Region through its branch network with extended hours. Best for residents needing national coverage, TD's New to Canada program, or US dollar accounts.
RBC serves Durham Region residents through its Ontario branch network with access to 4,400+ ATMs nationally. Best for full investment accounts or cross-Canada coverage.
Use referral code BREMO2026 when signing up for KOHO to earn a $20 bonus. Zero monthly fee, 3% interest, cash back on every purchase, and CDIC-insured deposits.
Open KOHO Free → Use Code BREMO2026Estimate how much you save annually by switching to KOHO from your current bank.
Ontario LTT: 0.5% on first $55K, 1% on $250K, 1.5% on $400K, 2% on $2M, 2.5% above. First-time buyers rebate up to $4,000.
Small Scugog Township community: no branch. KOHO provides complete digital banking from anywhere.
Premium Durham Region farmland: Community First CU for agricultural loans via Port Perry.
Rural Durham commuters: KOHO's $0 digital banking ideal for managing household and farm finances.
Near Scugog Island: EQ Bank FHSA for savings toward rural property purchase, KOHO for daily banking.
Blackstock has no bank branch. Community First CU serves via Port Perry. KOHO provides full digital banking anywhere.
Community First CU for agricultural financing. KOHO for everyday fee-free banking with 3% interest on savings.
Ontario LTT on $550K: approximately $7,475. First-time buyers save up to $4,000 rebate.
Yes — KOHO is fully digital. Use referral code BREMO2026 for a $20 signup bonus when you open your account.
Zero fees · 3% interest · Cash back · CDIC insured · 5 minutes to open
Get KOHO + $20 →