What is a No-Fee Chequing account?
Day-to-day banking doesn’t need to be complicated – it needs to meet your needs and it needs to be simple. Our No-Fee Chequing account gives you everyday banking features, no monthly fees and no minimum balance, so you can focus on what matters most. It can save you over $100 per year in banking fees just by banking with us.
Account features.
No monthly fee
Keep more of your money. Zero monthly fees means more dollars in your pocket every month.
No minimum balance
Open and maintain your account without ever worrying about keeping a minimum balance.
Debit Mastercard® included
Your account comes with a debit Mastercard® — the debit card that works harder for you.
Account details.
| Transaction fees | |
|---|---|
| Monthly fee | $0.00 |
| Minimum balance required | $0.00 |
| Monthly deposits, withdrawals, transfers and bill payments | Free unlimited |
| Outgoing Interac e-Transfers/month* | 30 Free |
| Incoming Interac e-Transfers | Free unlimited |
| debit Mastercard® | Included |
*Interac e-Transfer® limits do apply.
Upcoming changes to these limits for No-Fee Chequing accounts will take effect November 1, 2026. Learn more about these upcoming changes here.
Visit our Interac e-Transfer page to learn how the service works.
Additional transaction and service fees may apply for other account features. See our full transaction & service fees page for details.
What you’ll need to open an account.
Opening an account requires confirming your identity in person – an appointment is required. Please bring a valid government-issued photo ID and your Social Insurance Number (SIN).
Accepted forms of ID
- Driver’s license
- Passport
- Status card/treaty card
- Permanent resident card
- Province or territory ID card
- Foreign passport
Youth accounts and joint holders
- Youth accounts (18 and under):
- Under 12: requires a parent or guardian’s identification
- Ages 12–15: one piece of photo ID from the child and the parent or guardian
- Ages 16–18: one photo ID from the youth
- Shared or dual accounts:
- Both account holders must be present in branch to sign off
- All account holders must agree to changes in operation or ownership
- Please ensure you understand the implications of joint ownership before proceeding
If you do not have a government-issued ID, an acceptable original document1 of two of the following can be used: original birth certificate, marriage certificate, or refugee program.
Note: all accounts are subject to a credit check2 and a $5 membership fee.
Make the most of your account.
Common questions.
Here's what people ask us the most.
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Our No-Fee Chequing account is your everyday banking account with no monthly fee. Unlike many accounts at major Canadian banks — which can charge $15–$30 per month, our No-Fee Chequing account lets you bank without paying to access your own money.
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Opening an account must be done in person at one of our branch locations and requires you book an appointment. You’ll need a valid government-issued photo ID and your Social Insurance Number (SIN).
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Yes, your money is safe with us. Eligible deposits are fully protected by the Credit Union Deposit Guarantee Corporation.
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Interac e-Transfer® is a Canadian service that allows you to quickly and securely send and receive money electronically with friends, family, businesses, or other accounts.
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Yes. Conexus offers accounts for members 18 and under. Opening a youth account must be completed in person by appointment. Identification requirements vary by age.
Get in touch
Our advisors offer personalized guidance — in branch, over the phone or virtually. We’ll walk you through your options and help you find the account that works best for your life.
