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