Chequing accounts that put you first
Choose from a pay-as-you-go plan or premium plans with unlimited transactions, free Interac e‑Transfers®, and other valuable benefits.
Pay As You Go
No monthly fee. Only pay for what you use, when you use it — simple, flexible, and convenient.
$0/month
- Free withdrawals at thousands of ATMs across Canada and the U.S.
- $0 per bill payment or transfer
- $0.50 per debit card transaction
- $1 per in-branch withdrawal, cheque, or pre-authorized debit
- $1.50 per Interac e‑Transfer®
- $2.50/month for overdraft protection
Premium
Best for everyday banking. Unlimited transactions and 10 free Interac e‑Transfers® each month.
$0 or $13.95/month
No monthly fee when you maintain a minimum daily balance of $4,000 or minimum monthly payroll/pension direct deposit of $1,500
- Unlimited transactions
- 10 free Interac e‑Transfers® per month ($1.50 each thereafter)
- Free withdrawals at thousands of ATMs across Canada and the U.S.
- Free overdraft protection plus reduced overdraft interest
- Up to $60 annual rebate on your FirstOntario Visa* credit card
Premium Unlimited
Unlimited transactions and Interac e‑Transfers®, plus free exclusive access to the Benefits1 Bundle.
$0 or $19.95/month
No monthly fee when you maintain a minimum daily balance of $6,000 or minimum monthly payroll/pension direct deposit of $2,500
- Unlimited transactions
- Unlimited Interac e‑Transfers®
- Free withdrawals at thousands of ATMs across Canada and the U.S.
- Free overdraft protection plus reduced overdraft interest
- Up to $75 annual rebate on your FirstOntario Visa* credit card
- Unlimited bank drafts, one order of 100 cheques per year, 15% off safe deposit box rental
- Free, unlimited access to legal, estate, identity theft, and home referral assistance through our Benefits1 Bundle
U.S. Dollar Chequing
For effortless cross-border banking with no exchange rate surprises.
$0 or $1 USD/month
No monthly fee when you maintain a minimum daily balance of $200 USD
- Earn 0.05%** interest when your chequing account balance is over $3,000 USD
- Unlimited free deposits
- Two free withdrawals per month ($0.50 USD each thereafter)
- Pre-authorized debits, ATM and point-of-sale transactions are not available on this account
Pay As You Go Â
No monthly fee. Only pay for what you use, when you use it — simple, flexible, and convenient.
$0/month
- Free withdrawals at thousands of ATMs across Canada and the U.S.
- $0 per bill payment or transfer
- $0.50 per debit card transaction
- $1 per in-branch withdrawal, cheque, or pre-authorized debit
- $1.50 per Interac e‑Transfer®
- $2.50/month for overdraft protection
Premium for seniors (60+)
Best for everyday banking. Unlimited transactions and 10 free Interac e‑Transfers® each month.
$0 or just $6.98/month
No monthly fee when you maintain a minimum daily balance of $4,000 or minimum monthly payroll/pension direct deposit of $1,000
- Unlimited transactions
- 10 free Interac e‑Transfers® per month ($1.50 each thereafter)
- Free withdrawals at thousands of ATMs across Canada and the U.S.
- Free overdraft protection plus reduced overdraft interest
- Up to $60 annual rebate on your FirstOntario Visa* credit card
Premium Unlimited for seniors (60+)
Unlimited transactions and Interac e‑Transfers®, plus free exclusive access to the Benefits1 Bundle.
$0 or just $9.98/month
No monthly fee when you maintain a minimum daily balance of $6,000 or minimum monthly payroll/pension direct deposit of $2,500
- Unlimited transactions
- Unlimited Interac e‑Transfers®
- Free withdrawals at thousands of ATMs across Canada and the U.S.
- Free overdraft protection plus reduced overdraft interest
- Up to $75 annual rebate on your FirstOntario Visa* credit card
- Unlimited bank drafts, one order of 100 cheques per year, 15% off safe deposit box rental
- Free, unlimited access to legal, estate, identity theft, and home referral assistance through our Benefits1 Bundle
Premium for youth and students (under 25)
Best for everyday banking. Unlimited transactions and 10 free Interac e‑Transfers® each month.
$0/month
- Unlimited transactions
- 10 free Interac e‑Transfers® per month ($1.50 each thereafter)
- Free withdrawals at thousands of ATMs across Canada and the U.S.
- Free overdraft protection plus reduced overdraft interest
- Up to $60 annual rebate on your FirstOntario Visa* credit card
Premium Unlimited for youth and students (under 25)
Unlimited transactions and Interac e‑Transfers®, plus free exclusive access to the Benefits1 Bundle.
$0 or just $9.98/month
No monthly fee when you maintain a minimum daily balance of $6,000 or minimum monthly payroll direct deposit of $2,500
- Unlimited transactions
- Unlimited Interac e‑Transfers®
- Free withdrawals at thousands of ATMs across Canada and the U.S.
- Free overdraft protection plus reduced overdraft interest
- Up to $75 annual rebate on your FirstOntario Visa* credit card
- Unlimited bank drafts, one order of 100 cheques per year, 15% off safe deposit box rental
- Free, unlimited access to legal, estate, identity theft, and home referral assistance through our Benefits1 Bundle
Benefits1 Bundle
Premium Unlimited plan holders enjoy complimentary benefits at no extra cost.
Debit cards for everyday payments
FirstOntario debit cards offer a simple, secure, and flexible way to access your money.
Earn rewards for everyday spending
Unlock flexible, rewarding spending power with FirstOntario Visa* credit cards.
Overdraft protection
Overdraft protection is a smart financial tool that helps you avoid declined transactions when your account balance runs low. Contact us to add or change overdraft protection on your account.
- Avoid costly overdraft fees
- Ensure payments go through when funds are insufficient
- Access short-term coverage for unexpected expenses
Ready to open a chequing account?
Apply online, meet with us virtually, or visit us at your nearest branch. Existing members can upgrade by calling us or open a new account online.
Apply online
to open an account
Book an appointment
to become a member
Visit us
at one of our branches
Call us
at 1‑800‑616‑8878