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.
Province-specific rules — calculate your overtime earnings accurately
| Province | Daily Overtime Threshold | Weekly Overtime Threshold | Rate |
| Ontario | None | 44 hours | 1.5× |
| British Columbia | 8 hours (1.5×), 12 hours (2×) | 40 hours | 1.5× / 2× |
| Alberta | None | 44 hours | 1.5× |
| Quebec | None | 40 hours | 1.5× |
| Manitoba | None | 40 hours | 1.5× |
| Saskatchewan | None | 40 hours | 1.5× |
| Nova Scotia | None | 48 hours | 1.5× |
| New Brunswick | None | 44 hours | 1.5× |
| Federal | None | 40 hours | 1.5× |
Overtime pay is extra income — the best use is debt payoff or investment. Automate a transfer from your KOHO account every time overtime hits. Use code BREMO2026 for a sign-up bonus.
Open KOHO — Code: BREMO2026Salary does not automatically exempt you from overtime. In most Canadian provinces, salaried employees still qualify for overtime unless they are classified as managers or supervisors with genuine management responsibilities. An employer cannot simply pay a salary and expect unlimited hours — employment standards apply regardless of how pay is structured.
If you suspect you've been denied overtime pay you're owed, you can file a complaint with your provincial employment standards office. Common situations include misclassification as "manager" with no real management duties and requiring unpaid after-hours work.