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"Unauthorized activity" means a transaction that was carried out in your Scotiabank account through Scotia On Line without your permission, authorization or knowledge and where it can be established that you are a victim of fraud, theft or coercion. The world is going digital and banking is no exception. According to the Canadian Bankers Association, in 2019, more than 76% of Canadians were doing their banking online and through mobile — and that number is rapidly rising. There are many solid reasons to consider any of the online banks in Canada including convenience, features, and pricing. Read on to learn about this emerging trend in personal finance management, including our top picks for the best banks in Canada. If you haven’t yet tried online banking, you might wonder what the fuss is about. After all, traditional face-to-face branch banking has served Canadians well for decades. Before you make up your mind, consider these three areas in which online banking in Canada exceeds in-person branch banking: Convenience With online banking, your account is accessible from your computer, tablet, mobile app, or telephone. This means an end to searching for a brick-and-mortar branch or an ATM, and renders the concept of “banker’s hours” obsolete. If you want access to your money 24/7, online banking is the way to go. Pricing Some brick-and-mortar banks offer customers “low-fee” accounts, but even these command a base monthly fee which can add up fast. In fact, Canadians are still paying an average of $200 per year in banking fees. With online banking, customers have the option of a no-fee account — usually coupled with extremely competitive rates for common services like e-Transfers® and a high-interest rate on savings accounts. If you don’t want to pay for the privilege of accessing your own money, an online account might be just the solution. Special Features Imagine asking a teller to deposit a cheque using a smartphone photo or to send money by email? They’d probably look at you like you have two heads – but Mobile Deposit and e-Transfers® are services that many online banks offer. In addition to all the traditional features to which customers have become accustomed, online banks offer special features that are simply unavailable elsewhere. Traditional banks are being left behind by online banking in Canada. The only services online banks can’t offer that traditional banks can are safety deposit boxes, counter service, and in-person advice. That said, online banking does offer advice over the telephone or email and has the distinct advantage of being available 24/7 from wherever you are. Decreasing service fees, increasing interest rates, and a wider selection of convenient services make online banking an attractive choice. One of the best fully “branchless” online banks in Canada, Tangerine pairs some of the best online banking services with zero fees on all daily banking like debit purchases, withdrawals, transfers, bill payments, and promotional rate when you sign up for a no-fee Tangerine Savings Account, TFSA, RSP, RIF, or US$ Savings Account for the first 5 months is outstanding. For savvy savers, it’s a great way to maximize your savings, and you can also earn up to $200 in cash bonuses simply by switching to a Tangerine Chequing account. Tangerine also has two cash back credit cards: the Tangerine Money-Back Credit Card and the Tangerine World Mastercard®. There are no annual fees for either of these cards, and you can earn up to 2% unlimited Money-Back Rewards on everyday purchases. Tangerine has also been ahead of the game in using technology to enhance their services, and they’ve earned a reputation for excellent customer service, winning awards year after year. Should you need help, you can get in touch with a Tangerine Associate through an online chat session, a Twitter DM, or the 24/7 customer service line. Read our full Tangerine review to find out why it’s our top pick for an online bank in Canada. EQ Bank takes an entirely different approach to online banking than the others on this list. With no branches and no ATMs, EQ Bank is accessed entirely through the web and mobile app only – a totally unique model. Instead of using personal cheques, a debit card, or an ATM, clients can move money between their EQ Bank account and linked accounts. For those willing to try a new way of banking, the benefit is clear: EQ offers no everyday banking fees, unlimited everyday interest rate on their no-fee EQ Bank Savings Plus Account. While EQ Bank may not be as well known in Canada, it’s certainly a trustworthy bank to stash your cash – EQ Bank is brought to you by Equitable Bank, which has been around since 1970. One thing to note: EQ Bank savings account functions like a chequing account and can be used to pay bills and also transfer money instantly with no transaction or account fees. As one of Canada’s “Big 5” banks, it’s not surprising that Scotiabank’s online (web and mobile app) banking options are feature-rich and intuitive to use. Although most customers pay a monthly service fee of between $3.95 and $30.95 (accounts with a minimum balance and students accounts are free, and seniors get a discount), the interface and offerings were enough for Forrester to name Scotia On Line as “The Best Consumer Digital Bank in Canada.” All Scotia chequing accounts come with the choice of earning SCENE points (perfect for entertainment and movie lovers) or ® Points, which can be used towards travel. Rewards chequing accounts are a rarity in the banking world, so this is a big perk. As a special promotion, new customers can earn 10,000 Welcome Points when you open a new Scotiabank Preferred Package Another “Big 5” bank, RBC Online offers numerous account options at different levels with a wide range in monthly fees (from $4.00 to $30.00). Though they don’t waive fees for maintaining certain balances, customers can cut down their service charges by bundling RBC products (such as credit cards, investments, and/or mortgage). The RBC online banking option includes all the typical features, like transfer and bill payments, but there’s not much outstanding in their portfolio. In line with the other “Big 5” banks on this list, BMO offers a standard set of features with standard rates, though customers with the Savings Builder Account can earn up to 1.6% interest. Although they offer discounts to seniors, students, and armed forces, the monthly fees range from $4.00 to $30.00 month. Their online banking interface is intuitive and has all the typical features. Neither the account options nor the interest rates tempt with TD Canada Trust, but this bank does offer several decent no-fee savings accounts. They have a mobile app for online banking along with handy add-on features like TD My Spend that helps customers track and improve spending habits. CIBC offers a full portfolio of account options designed for people at different stages of their lives and careers. In terms of fees and interest rates, CIBC is in line with the other Big 5 banks. One notable difference here is that unlike the other institutions on our list, CIBC offers five account types for seniors — everything from a simple chequing account to a bundle that includes a premium credit card to US dollar account for seniors. Formerly PC Financial and affiliated with CIBC, Simplii is one of the branchless options for online banking in Canada. Like the name says, Simplii trades in simplicity, offering one chequing and one savings account, each without monthly fees. Using web or mobile, customers can do everything from pay bills to transfer funds to paperless cheque deposits. The no-fee chequing account offers unlimited debit purchases, bill payments and withdrawals, free access to over 3,400 CIBC ATMs across Canada, and free When it comes to naming the best online banking services in Canada, the field narrows to the top branchless online banks: Tangerine and Simplii. Unlike traditional banks, these two carry no monthly fees, have robust feature sets, and are made for online or mobile use. With the exception of EQ Bank (which missed the top spot overall because of a lack of features such as ATM withdrawals), branchless banks offer similar interest rates to traditional banks but without the fees. While either option is a great choice for the average Canadian, there are some slight differences. For chequing accounts, both Tangerine and Simplii offer: As you can see, the difference between these two online banking options is really minor. The choice may just come down to whether you prefer the CIBC or Scotiabank ATM network. Every bank on our list is well-established in Canada and a credible financial institution. Like traditional banks, the odds of online banks failing are very slim. In any case, you can rest easy: the Canada Deposit Insurance Corporation (CDIC) covers eligible deposits in your own name, joint accounts, trust accounts, TFSAs, RRSPs, and more up to $100,000. It does not apply to investment products such as stocks, bonds, or mutual funds. Security breaches of online accounts are rare, but it’s always wise to choose a unique and complex password and PIN. The best bank account in Canada for you is the one that helps you save money — not the one that costs you money to use. Based on that criterion alone, look for a trustworthy online bank without fees, like Tangerine or Simplii. Although neither bank has brick-and-mortar branches (so you’ll have to store your family jewels elsewhere), both offer the benefit of 24/7 online or mobile access, superior pricing (can’t beat no-fee! ), and a full feature set including unlimited transactions, paperless cheque deposits, and Interac e-Transfers®. Ultimately, Tangerine stands out as the best online bank in Canada. Offering no-fee chequing and savings accounts, outstanding customer service, innovative banking technology, and respectable interest rates, Tangerine snags our top spot as the best online bank in Canada. You’ll enjoy a full range of banking services while keeping more money in your wallet where it belongs. I agree with you on the Tangerine and Simplii comparison. What i dont like about Tangerine is the 100 dollar deposit maximum at the debit machine at Scotia bank . I know they say just make numerous 100 dallar deposits but that is a pain and also tbey are quick to put a hold on some of the deposited money . Maybe we should also talk about these banks’ investments. RBC, TD, Scotia, CIBC, BMO are the five Canadian banks that invest the most in fossil fuels and therefore contribute to global warming. I think that is a consideration to be taken into account today. I recently opened accounts with CIBC so that I could compare with my TD Seniors Account. TD wins hands down with their no fee policy for chequing Account. I was promised a ‘bonus’ by CIBC for opening a chequing Account. Opened a Visa card with 4% back on groceries and gas. For economical reasons, we buy much of our groceries at Walmart but that doesn’t count under their Visa guidelines (1% as it’s a retail store). I’ve opened an account with EQ and, so far, happy with them. Simplii Financial now has free e Transfers and same day transfers from savings to chequing (or visa versa) like Tangerine. Will be going back to TD for everyday chequing needs, but willing to keep savings at EQ. Personally, having both has meant I’m typically able to get the bonus interest offers on pretty much all my money on deposit. https:// EQ Bank has added a range of GICs, though from what I have heard, the agreement gives them the upper hand to dissolve the GIC early. The liquidity issues that Home Capital Group (I believe Equitable Bank is their online offering) was to me a warning to avoid having too much with EQ Bank. Thus I assume that much of the content is out of date. I see an offer coupon from Tangerine for a high interest rate. Am looking for a location to place proceeds from sale of our home. Had a ‘run in’ with Tangerine today, (long time customer) went looking for alternatives and found your web site. Not sure, because of date of this article if it is current in Sept 2018. Where would you place the proceeds of a middle priced home? A senior with a not too long time line, therefore need low risk. Hi, Does anyone have any experience with Alterna Bank esaving account? They offered a 2.05 % interest rate on their saving account but I don’t see much talk about them, so that makes me a bit worried about opening an account with them? My pay is deposited there, customer service is good, it’s a full service bank, e-transfers are free and everything can be done from your HISA, you don’t need to open a checking account, unless you want to write a check. They keep a low profile, I haven’t seen much publicity. Alterna Savings own them the 2nd largest credit union in Ontario founded in 1908, their bilingual and CIDC insured. I have Simplii (checking & Savings), Wealth Simple (savings), and RBC (checking, savings, TFSA) accounts as well as valuable, linked RBC Bank (US) accounts. All of these serve their own purposes and I don’t ever pay any fees. Having multi-products with RBC results in no fees (although I did open a TFSA with them into which I deposit a nominal amount each month to ensure I get the full fee rebate.) I’m now wondering whether I should open a EQ savings account to get the current 2.3% rate which is better that the 1.7% offered by Wealth Simple. I was wondering though how my wife can access those funds upon my sudden demise, and I think I now see the account must be joint. I am a Permanent Resident, and will be opening my first account. As far as “all kinds of banking” you’ll have to be more specific. Do you say that an online Tangerine bank is enough to do all kind of banking , rather than the physical branch bank? I think 90% or so of Canadians could run their daily banking needs through Tangerine if not more. If you are doing some business-related stuff, or similarly “complicated” arrangements it might not be a perfect fit. Happened on this article while looking for comments about any dissatisfaction with Simplii. Until this month I had not noticed any appreciable change and I have been a very longtime customer of PCFinancial. But I just came across a change I was incredulous about. In the past couple of years I’ve taken a few thousand out of my RRSP each year. I would go into the kiosk and make the request and it took about five days to be in my account. days to move it WITHIN the same institution’s accounts. This is totally unacceptable and I can’t believe a bank is doing business in this way in this day and age. So I expected more or less the same or that it would be even easier! I have to print off a form to request the money and MAIL it to them!! Now I just want to move my whole RRSP to someone else, and maybe the rest of my accounts with them as well. Is there any published rating available or exists for internet banking institutions similar to that provided by in the USA? how do those lucky enough tackle deposit insurance for funds above the CDIC max? Can’t do pc financial because as you said its over and simplii is not open for biz yet. I like EQ too, but its scary cause no chequing and no TMS. Researched Tangerine over on their facebook page and people are very angry about the new website and how hard it is to navigate, as well as their site being down for all of Friday. So, now I’m thinking i might go for the manitoba credit union achieva…as of today, Oct 8 2017, the rate is 1.85 for savings, plus they have it linked with acculink to my credit union atms here just in case, and its completely insured 100% of total funds, not just 100 grand. I have a CIBC chequing account in Mississauga, Ontario. The problem is that CIBC get my money from the government because I’m retired from Ford Motor C°. I’ve tried to get my money, because I’m living in sudamerica now, but they canceled my Advantage Debit Card without any explanation. Now I’m complaining to my Union in Toronto, because I need my money. Can I open a Scotian Bank chequing account from my country. My balance is $ 21.196,00 Tangerine has, as of September 23rd changed their website. Enough change to make the simple things awkward and the complicated almost impossible. My suggestion is that Tangerine be withdrawn from the rank of serious contenders to that of a minor league maybe. It appears that they purchased the use of web technology that appears to be quite similar to that of a local credit union’s (sorry but I can’t really prove stuff that I one get peaks of! If you only bank from a smart phone you might like it but as of September 29th over 99% of Facebook comments are negative and Tangerine is trying to convince its customers how good the change is and isn’t listening. I actually just recently switched all of my direct deposit and automatic payments to come out of my new EQ bank, so that I can take extra advantage of that interest rate! I just use one of the free email xfers to skim the spending money for the month into my new Tangerine account (they’ll hold your money if you don’t email it). I’m not super impressed with Tangerine since also opening that account. I find they don’t really give you a heads up about how some features of theirs function. Their “free” email transfer option is actually an electronic transfer, rather than an interac transfer, meaning your recipient has to enter all of their account info to receive (rather than depositing directly into their account the way others function). I’m still using it because I figure I’ll give it a fair try… but I’m just not finding their customer service or communications to be as high quality as PC. I’d recommend them 🙂 Thank you for the break down, really appreciate it. I reread what you wrote with respect to PC’s credit card (no points after Nov 1st) but that is not the case. It’s their bank accounts that will no longer accrue points. We bank with both Tangerine and PC Financial and we like them both. Service wise we dont see a big difference between the two. The biggest factor for us is having Scotiabank and/or CIBC bank machines close by. Depending on what you have close to you either one will work. The only “difficulty” we ever had was buying our home and getting a certified cheque. We had to order it in advance and it was mailed to us. Not really a big deal but if you didn’t plan ahead it makes things difficult. We even bought a $15,000 used car with our debit cards! My wife and I could each do up to a $9,999 transaction on our debit cards. We are about to re-publish/update the article in a few days here Dough (good timing). We just had to call ahead to set up an increased limit with the bank. At the current time I can’t tell if US residents can open an account, but US citizens living in Canada shouldn’t have a problem. I don’t know what my accounts are going to look like after Nov.2017, so I’m starting to look for options. Thanks for the awesome breakdown of [current] options we have! Hopefully one of them will begin offering a debit-interac card because I don’t like the “new orange”. I thought email transfer from Tangerine could only be to other Tangerine customers. Problem with this is: as a happy PC customer for 18 years I was just notified by email today that as of November 1, 2017 all my accounts will be transferred to CIBC. Looks like I’m going to be pulling all my investments out of PC and maybe considering Tangerine. I’ve been reading your articles for a couple of years now, and always find then super helpful. Thank you SO MUCH for the time and effort you put into articles like this. Let’s just say I’ll never pay for another e-transfer again! Such a helpful way to analyze my decision to break off from Scotiabank. Great article and I use two of the online banks mentioned. I was just charged a $9.99 monthly fee because my account dipped below the $2,500 minimum (for one day by a few dollars). I’m a very conscious, careful saver/spender and even I can’t keep such a close eye on my accounts! However, the big 5 banks also provide useful services, especially to seniors. I’m sick of it and glad I have such good options to move to. Almost every time I go into a regular bank, I usually see an elderly senior seated in a special area getting help from a bank teller. And, the teller often spends 15 minutes or more helping a confused senior. So, let’s not always knock the banks for the service charges they charge to non-seniors. There is no doubt that if you’re able to maintain a fairly high balance in your account, or if you qualify for a senior/student discount, the big banks are probably the way to go in terms of value and functionality. If you don’t fall into those categories however, those fees can be a real PITB! The good news is that banks are going to have to compete with these guys going forward. As more and more people get comfortable with online models, fees will almost certainly come down! I’ve been with PC for a while so it’s good to see a comparison of what others are offering. I tried EQ Bank recently and have been happy so far. The free Interac transfers (a certain amount of free ones per month) made it pretty appealing. Their high interest rate made it pretty attractive too as a place keep your emergency fund so I gave them a shot for those 2 reasons. I showed this to my somewhat computer illiterate mother and she understood perfectly and is willing to try working on the online option now. Now, I’ve never heard of Zag until just now and do have to agree that they still have a ways to go but we have to remember that PCF started off the same way. I expect that we’ll see the same of them as PCF and Tangerine in about 5 years as their client base gets bigger. Rbc canada online banking me and rbc With 24/7 access to business advisors, financial advice, industry expertise, and more, RBC Royal Bank can help you with all your business banking needs. Transfer money using the RBC Mobile app or through RBC Online Banking - instantly and for free 1 - between your Canadian and U. S. RBC accounts. Pay U. S. bills in seconds - from Canada or the U. S. Get cash at over 50,000 no-fee 2 ATMs across the U. S. You are on: Corporate Profile For more than 100 years, RBTT has been building strong businesses in the Caribbean, creating and delivering a comprehensive range of quality financial services through well-trained and committed staff. Online banking allows you to access your accounts and make various financial transactions on the Internet. For example, you can use online banking to pay bills or transfer money to other accounts. You can bank online using either a computer or a mobile device such as a cell phone or tablet. Generally, online banking transactions cost less than using in-branch teller services or s. Online banking lets you check your transactions online as they are processed. In most cases, you’ll need to do the following before you can use online banking services: You can use mobile banking anywhere you take your mobile device, such as a smartphone or tablet. You can use a mobile banking application (app) or an online banking site from your mobile device. To access your accounts using a mobile banking application you must: If there are services you're unable to access from your banking app, you may be able to access them by logging in to your financial institution’s mobile site through an Internet browser on your mobile device. Mobile banking sites let you access your accounts from your mobile device without downloading a mobile banking app. Banking through an Internet browser on your mobile device is similar to online banking with your computer. Mobile banking sites may give you a more detailed view of your accounts and allow you to access more services than using a mobile banking app. Most financial institutions have policies that protect you from transactions that you didn’t make or approve using your institution’s online banking service. It's your responsibility to always keep your banking and online banking details to yourself. If you give your online banking information to anyone, including your spouse, partner, family member or friend, you may: Ask your financial institution about its online banking service commitments and policy on unauthorized transactions. To ensure that you’re protected from financial loss from an authorized transaction: You may need to take additional steps to protect yourself when banking online. Read your account agreement and your financial institution’s online banking or electronic access agreement to learn more. Pick a strong password that isn't easy to guess for your online banking accounts. You may be responsible for transactions you didn’t make or approve if you use a password that’s easy to guess. Combine upper and lower case letters, numbers and keyboard symbols such as # or @ when creating your password. Financial malware, or malicious software, can damage your devices and put your financial information at risk. You must take steps to protect your passwords and PINs from such software or you may be responsible for transactions you didn’t make or approve. Protect yourself when banking online to help prevent criminals from capturing or copying your financial information. Criminals may see what you send over public networks, such as those that you access from coffee shops, bookstores and public libraries. This information includes things such as your passwords, bank account numbers and credit card numbers.

Use your i Phone 6 (or newer) to pay for purchases with a single touch at merchants that offer contactless payments. Just hold your i Phone near the contactless reader with your finger on Touch ID. A vibration and beep will let you know that you’ve just paid with your RBC Bank debit or credit card. The COVID-19 outbreak has deeply impacted the lives of many Canadians and their businesses. Rbc canada online banking rbc dougall RBC Training Ground is a talent identification and athlete funding program designed to uncover athletes with Olympic potential. Where We Operate. RBC is one of Canada’s largest banks and one of the largest banks in the world, based on market capitalization. Select a Region. Select a Region. Canada United States International Caribbean. Let us help you prepare for your move to Canada. Get ahead by opening a Canadian bank account before you arrive. Visit an RBC branch to open your RBC No Limit Banking account today. Offer expires February 27, 2020. Opening up a TFSA may be a good option for new Canadians who wish to invest shortly after moving to Canada. With 24/7 access to business advisors, financial advice, industry expertise, and more, RBC Royal Bank can help you with all your business banking needs. This website uses cookies to establish a secured connection and to present you with targeted advertising. By continuing on this website you consent to the use of these cookies. For more information and to opt out of cookies, visit the cookie section of our Privacy Code. If you choose to opt out of cookies, this message will continue to appear.