Best Online Banks and Credit Unions in Canada for 2024

1 As a brand new customer, can I apply for a checking account digitally? Desktop Desktop Desktop ✘ Desktop Desktop ✘ Desktop Desktop Desktop Desktop Desktop Desktop Desktop Desktop ✘ Desktop Desktop Desktop Desktop mobile Desktop Desktop Check out the total Surviscor review 2 As a brand new customer, can I apply for an on a regular basis savings account digitally? Desktop Desktop Desktop ✘ Desktop Desktop ✘ Desktop ✘ Desktop Desktop Desktop Desktop Desktop Desktop Desktop Desktop Desktop Desktop mobile Desktop Desktop Check out the total Surviscor review 3 As a brand new customer, can I apply digitally for a registered TFSA, RRSP or FHSA account? DesktopTFSA, RRSP ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ DesktopTFSA ✘ DesktopTFSA, RRSP DesktopTFSA, RRSP DesktopTFSA, RRSP DesktopTFSA, RRSP ✘ ✘ ✘ ✘ DesktopTFSA, RRSP ✘ mobileTFSA, RRSP ✘ ✘ Check out the total Surviscor review 4 As a brand new customer, can I apply for a private loan digitally? ✘ ✘ Desktop ✘ ✘ Desktop Desktop ✘ ✘ ✘ ✘ ✘ ✘ ✘ Desktop Desktop ✘ ✘ ✘ Desktop ✘ ✘ ✘ ✘ Check out the total Surviscor review 5 As a brand new customer, can I apply for a pre-approved mortgage digitally? Desktop ✘ Desktop ✘ Desktop Desktop ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ Desktop Desktop ✘ Desktop ✘ Desktop Desktop mobile Desktop ✘ Check out the total Surviscor review 6 Are checking accounts available for unlimited transactions? And in that case, how much are the monthly costs? Free $14.00 $9.95 / $0 if balance > $1,000 $14.00 / $0 if balance > $5,000 $16.95 / $0 if balance > $5,000 $16.95 / $0 if balance > $5,000 Free Free $15.95 / $0 if balance > $4,000 Not available $14.75 $10.00 / $0 if balance > $4,000 $19.00 / $0 if balance > $5,000 Free Free $15.95 / $0 if balance > $5,000 Not available $11.95 $30.95 / $0 if balance > $10,000 $25.00 / $0 if balance > $5,000 Free Free $16.95 / $0 if balance > $4,000 $9.75 / $0 if balance > $3,000 Check out the total Surviscor review 7 Will I incur fees for transactions in a non-registered savings account? 2 free/month, $0.80 per 30 days 2 free/month, $0.90 per 30 days $1.50 per Interac exit 1 free/month, $5.00 per Interac, $0.70 per non-Interac No transactions $5.00 each 2 free/month, $1.50 per Interac, $5.00 per non-Interac $5.00 each $1.25 each ✘ Free $1.00 each $1.00 each, $0 if balance > $1,000 1 Free/month, $1.00 per Interac 2 free/month, $1.00 per 30 days $1.25 per Interac-Out $1.25 per Interac, $5.00 per non-Interac ✘ Free 1 free/month, $1.00 per Interac, $2.00 per non-Interac $1.00 per Interac, $1.25 without Interac 1 Free/month, $1.50 per 30 days Not available ✘ Free 1 Free/month, $3.00 per 30 days 1 free/month, $0.90 per Interac, $5.00 per non-Interac Check out the total Surviscor review eighth Are unlimited transaction savings accounts available? And in that case, how much are the monthly costs? ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ Maximum $250,000 ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ Check out the total Surviscor review 9 Can I get reduced fees as a student? ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ Check out the total Surviscor review 10 Can I get reduced fees as a senior? ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ Check out the total Surviscor review 11 Can I get reduced fees as a newbie in Canada? ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ Check out the total Surviscor review 12 Can I access my account balance without actually logging into my account? mobile mobile mobile mobile ✘ ✘ mobile mobile mobile ✘ mobile ✘ mobile mobile mobile ✘ ✘ mobile mobile mobile ✘ ✘ mobile mobile Check out the total Surviscor review 13 Can I access my past digital login dates and times, device used, and activities performed? Date/time desktop also displays the device Date/time desktop displays device ✘ Date/Time/Device Date/Time/Device Date/Time Date/Time/Device Desktop Date/Time Date/Time ✘ Desktop date/time Date/Time/Device ✘ ✘ ✘ ✘ Desktop Desktop ✘ Date/Time Desktop Date/Time/Device Check out the total Surviscor review 14 Can I pay multiple bills at the identical time? Desktop ✘ Desktop Desktop ✘ Desktop Desktop Desktop Desktop Desktop Desktop ✘ Desktop Desktop Desktop Desktop Desktop Desktop Desktop Check out the total Surviscor review 15 Can I transfer money to a checking account at one other banking institution? Desktop ✘ ✘ ✘ ✘ Desktop Desktop mobile Desktop ✘ ✘ ✘ ✘ ✘ ✘ ✘ Check out the total Surviscor review 16 Can I transfer money to a different country? ✘ Desktop ✘ Desktop ✘ ✘ ✘ ✘ mobile ✘ ✘ ✘ ✘ ✘ ✘ ✘ Check out the total Surviscor review 17 Can I arrange an Interac transfer for the longer term? ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ Check out the total Surviscor review 18 Can I arrange a recurring Interac transfer? ✘ ✘ ✘ ✘ ✘ if the recipient has an automatic deposit ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ if the recipient has an automatic deposit ✘ ✘ ✘ Check out the total Surviscor review 19 Can I request money from a friend using Interac’s Request Money feature? ✘ ✘ ✘ ✘ ✘ mobile ✘ ✘ Desktop ✘ Check out the total Surviscor review 20 Can I arrange and manage alerts to be notified when one among my cards is used? ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ Check out the total Surviscor review 21 Can I arrange and manage alerts to be notified when irregular activity occurs in my account? ✘ ✘ Desktop ✘ ✘ ✘ mobile ✘ ✘ ✘ Desktop ✘ ✘ Desktop ✘ ✘ ✘ Check out the total Surviscor review 22 Can I exploit account evaluation and budgeting tools? ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ Check out the total Surviscor review 23 Can I correspond with the banking institution via a secure two-way messaging center if I’m logged in? ✘ ✘ ✘ ✘ ✘ ✘ Desktop ✘ ✘ Desktop ✘ ✘ ✘ Check out the total Surviscor review 24 Can I interact with the banking institution using a non-robotic, human-based chat service once I’m logged in? Desktop ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ ✘ Check out the total Surviscor review 25 Average expected response time to a non-social digital query before login (1) (2) 98.18 hours 68.63 hours 43.55 hours 115.75 hours No e-service contact method No e-service contact option 74.78 hours 6.75 hours 6.12 hours 60.63 hours 75.80 hours 67.37 hours 102.10 hours 82 hours 60.60 hours 39.67 hours No e-service contact option No e-service contact method No e-service contact method 7.32 hours 6.88 hours No e-service contact option No e-service contact method 32.32 hours Check out the total Surviscor review