
Chequing accounts in Ontario
No monthly fee for a year when you move your pay to YNCU. No complicated setup. Just everyday banking for pay, bills, debit, e-Transfers, and online banking. Start with Everyday Chequing, or compare all YNCU chequing accounts below to find the right fit.
Simply Free Chequing
Learn more about Simply Free ChequingBest for light banking
A simple chequing account for members who only need a few transactions each month.
Everyday Chequing
Learn more about Everyday ChequingBest for everyday banking
A lower-fee chequing account for members who mostly bank online or self-serve.
Premium Chequing
Learn more about Premium ChequingBest for frequent banking
A chequing account for members who want unlimited online and in branch transactions.
Student Chequing
Learn more about Student ChequingBest for youth 25 and under
A no-monthly-fee chequing account for young members who want to bank mostly online or self-serve.
US Spend and Save
Learn more about US Spend and SaveBest for USD banking
An account for members who want to hold, access, and use U.S. dollars while earning interest in USD.
Compare YNCU chequing accounts
Find the perfect YNCU chequing account for you and your lifestyle.
Fees and standard services | ![]() | ![]() |
|---|---|---|
Best for | Most members who bank online or self-serve | Light banking and fewer monthly transactions |
Monthly fee | $7.95 or $5.95 if you're under 22 or over 58 | $0 |
Transactions | Unlimited self-serve transactions | 12/month |
Interac e-Transfers | Unlimited | Unlimited |
Why choose it? | A versatile low fee account that works for the way people bank today | A simple way to cover basic banking without paying a monthly service fee. |
| More about Everyday Chequing | More about Simply Free Chequing |


Best for
Most members who bank online or self-serve
Light banking and fewer monthly transactions
Monthly fee
$7.95 or $5.95 if you're under 22 or over 58
$0
Transactions
Unlimited self-serve transactions
12/month
Interac e-Transfers
Unlimited
Unlimited
Why choose it?
A versatile low fee account that works for the way people bank today
A simple way to cover basic banking without paying a monthly service fee.

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