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.
Gas, electricity, internet, water — here's what to set up, when, and what it costs.
Utility setup is one of the most overlooked parts of the home-buying process. Most utilities in Canada can be transferred or set up online, but timing matters — some providers need 2–4 weeks lead time, and arriving at your new home with no heat or internet is a miserable experience.
| Utility | Monthly Range | Setup/Deposit |
|---|---|---|
| Electricity | $100–$250 | $00–$500 |
| Natural Gas | $800–$200 (winter) | $00–$100 |
| Internet | $600–$120 | $00–$150 |
| Water/Sewage | $400–$120 | $00 |
| Home Security | $200–$600 | $100–$500 |
| Total Ongoing | $300–$750/month | $100–$800 setup |
KOHO's high-interest savings account helps your home fund grow faster. No monthly fees, earn interest on every dollar.
Open KOHO Free — Code BREMO2026When you buy a resale home, many services are simply transferred to your name rather than set up fresh. Here's what to expect:
Related: home buying timeline, total cost of buying a home.