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Chequing Accounts

Everyone has different needs, choose the chequing account that works for you

We offer different accounts because we know not everyone's needs are the same. Consider the features that will work best for you. 

The benefits below are included in all of our Canadian dollar chequing accounts.

  • Free online and mobile banking
  • Free eStatements
  • ​Deposit cheques using your smartphone with free use of Deposit AnywhereTM
  • Transfer money outside of FirstOntario using Interac e-Transfer® (fees apply)
  • No minimum balance required
  • Unlimited deposits, debits and bill payments
  • Free transactions at FirstOntario ATMs and at more than 3,700 ATMs within THE EXCHANGE Network®

You asked, we listened:

New personal accounts coming soon!

Be FREE Chequing Account


No strings attached. This chequing account is perfect for your everyday banking needs.

Key Features
  • No monthly fees
  • Free starter pack of (20) cheques (Flair design only)
  • Free eStatements

Be FREE and More Chequing Account


Enjoy premium benefits for just $10 a month.

Key Features
  • Free personalized cheques (Flair design only)
  • Annual fee rebate on FirstOntario Visa credit cards (maximum value of $59)
  • First five Interac ATM fees waived monthly (at non-EXCHANGE Network machines)
  • Free eStatements and paper statements
  • No-fee overdraft protection upon approval

Be FREE and More Chequing Account for Seniors


If you’re 60+, enjoy all of the benefits of our Be FREE and More Chequing account absolutely free, with a few other benefits too!

Key Features
  • Waived fees on Canadian official/corporate cheques
  • No fee foreign exchange drafts and certified cheques
  • Access to our U.S. Dollar Chequing Account , no fees attached
  • Access to our Daily Interest Savings plans, no fees attached
  • $10 off the annual Safe Deposit Box rental fee
  • Annual fee rebate on FirstOntario Visa credit cards (maximum value of $59)

U.S. Dollar Account


A smart low-fee USD account for frequent travellers outside of Canada.

Key Features
  • Receive two free debits every month
  • Earn tiered interest, calculated daily and credited monthly
  • $1 monthly fee (fee is waived if you are a senior or if you maintain a minimum balance of $200) 
  • ATM, debit card purchases and pre-authorized debits are not available on this plan


The rebate is not available more than once if an individual Member has more than one account; this rebate is also limited to one per account; this rebate is not applicable to Member corporations. This rebate is not applicable to the U.S. Dollar Visa card.