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Chase Canada alternatives

We compare six alternatives to Chase Bank in Canada to help you find an account that's right for you.

Chase

Chase Bank is the largest bank in the USA and offers a full range of personal banking products, from chequing and savings accounts to credit cards and mortgages. So if you’re looking to open a bank account, you might be wondering if Chase Bank is in Canada.

Is Chase Bank available in Canada?

Chase Bank does not offer personal banking services in Canada. While it does offer Chase Merchant Services, which provide payment solutions for Canadian businesses, it doesn’t offer products like chequing accounts, savings accounts and credit cards in Canada.

The good news is that there are several banks offering legitimate alternatives to Chase in Canada. Compare these six options.

6 Chase Bank alternatives in Canada

BMO Performance Chequing Account

BMO Performance Chequing Account
Finder Rating: ★★★★★ 3.7 / 5
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BMO Performance Chequing Account

Earn $600
Bonus Offer
$17.95
Monthly Account Fee
unlimited
Free Transactions
If you're searching for an account that supports unlimited transactions per month, the BMO Performance Chequing Account is worth a look. It's easy to manage your account via online and mobile banking as well as BMO's nationwide branch and ATM network. Access perks like a $600 welcome bonus and a special promotional rate on a savings account. While there's a $17.95 monthly fee, it's waived if you meet the minimum balance requirement.
  • Supports unlimited transactions
  • Includes Interac e-Transfers
  • Up to $600 welcome bonus
  • $40 credit card fee rebate
  • $17.95 monthly fee
  • The monthly account fee is waived if you maintain a minimum monthly balance of at least $4,000.
  • Doesn't pay interest on your balance
Min. Age 18
Min. Age Teen Account 13
Account Fee $17.95
Youth Account Fee $0
# of Accounts Included 20
Overdraft Fee $5
ATM Out-of-Network Fee $2
U.S. ATM Fee $5
International ATM Fee $5

Scotiabank Preferred Package

Scotiabank Preferred Package
Finder Rating: ★★★★★ 3.7 / 5
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Scotiabank Preferred Package

Earn up to an $800 bonus
Bonus Offer
$16.95
Monthly Account Fee
N/A
Free Transactions
Scotiabank's Preferred Package is an unlimited-transaction account with a $16.95 monthly fee, but the fee is waived if you keep your balance above $4,000. You get unlimited e-Transfers and can add overdraft protection if you want. Access extra perks like credit card annual fee waivers and one free non-Scotiabank ATM withdrawal per month. You also get user-friendly online and mobile banking platforms along with a large ATM and branch network.
  • Unlimited transactions
  • Unlimited e-Transfers
  • Access perks like preferred rates on GICs and first-year credit card annual fee waivers
  • One free withdrawal per month from a non-Scotiabank ATM
  • $16.95 monthly fee
  • You'll need a balance of $4,000 or more to waive the monthly fee
  • You can't earn interest on your balance
Min. Age N/A
Account Fee $16.95
U.S. ATM Fee $3
International ATM Fee $5

Simplii Financial No Fee Chequing Account

Simplii No Fee Chequing Account
Finder Rating: ★★★★★ 3.9 / 5
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Simplii No Fee Chequing Account

Earn $500
Bonus Offer
$0
Monthly Account Fee
unlimited
Free Transactions
This day-to-day chequing account from Simplii supports unlimited transactions with no monthly fee, and you don't have to worry about keeping your balance above a minimum level either. Send e-Transfers and send money around the world using Simplii's Global Money Transfer, and take advantage of fee-free access to CIBC's nationwide network of over 3,400 ATMs.
  • Supports unlimited purchases, withdrawals and bill payments
  • No monthly fee or minimum balance requirement
  • Backed by CIBC
  • $500 welcome offer
  • Not available in Quebec
  • Pays a very low interest rate on your balance
  • No physical branches
Min. Age 18
Min. Age Teen Account 12
Account Fee $0
Overdraft Fee $4.97
ATM Out-of-Network Fee $1.50
U.S. ATM Fee $3
International ATM Fee $3

EQ Bank Personal Account

EQ Bank Personal Account
Finder Rating: ★★★★★ 4.3 / 5
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EQ Bank Personal Account

Earn 3.75%
Bonus Offer
$0
Monthly Account Fee
unlimited
Free Transactions
The EQ Bank Personal Account is a hybrid account that blends the features of chequing and savings accounts. It provides easy access to your money via online and mobile banking, fee-free ATM withdrawals across Canada, unlimited transactions and no monthly fee or minimum balance requirement. At the same time, it pays up to 3.75% interest on your balance when you have your pay directly deposited into your account.
  • Supports unlimited transactions
  • Fee-free withdrawals at any Canadian ATM
  • No monthly fee
  • Pays up to 3.75% interest
  • Doesn't offer cheques
  • Need to have your pay directly deposited to earn the maximum interest rate
  • No branches
Min. Age 18
Account Fee $0
Overdraft Fee $0

RBC Signature No Limit Banking Account

RBC Signature No Limit Banking Account
Finder Rating: ★★★★★ 3.8 / 5
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RBC Signature No Limit Banking Account

Get $450
Bonus Offer
$16.95
Monthly Account Fee
unlimited
Free Transactions
The Signature No Limit Banking Account is RBC's unlimited chequing account for day-to-day transactions. It supports unlimited debits and free Interac e-Transfers, while up to $5,000 overdraft protection is included at no extra charge. There's a free chequebook too, but a $16.95 monthly fee applies—but this fee can be reduced to as low as $5 per month if you sign up for the RBC Value Program.
  • Unlimited transactions
  • Overdraft protection at no extra cost
  • Six free bank drafts per year and one free chequebook
  • Free e-Transfers
  • Monthly fee of up to $16.95 applies
  • Caps on some account perks
Min. Age N/A
Account Fee $16.95
Overdraft Fee $5
ATM Out-of-Network Fee $2

Tangerine No-Fee Daily Chequing Account

Tangerine No-Fee Daily Chequing Account
Finder Rating: ★★★★★ 4 / 5
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Tangerine No-Fee Daily Chequing Account

Earn $250
Bonus Offer
$0
Monthly Account Fee
unlimited
Free Transactions
This Tangerine chequing account charges zero fees for everyday banking transactions, and there's no need to keep your balance above a certain level. Unlimited transactions are supported, including free e-Transfers, and you get free access to over 3,500 Scotiabank ATMs across the country.
  • Supports unlimited transactions
  • No monthly fee or minimum balance requirement
  • Highly-rated mobile app
  • Free chequebook
  • Only pays minimal interest on your balance
  • No physical branches
Min. Age 16
Account Fee $0
Overdraft Fee $10
ATM Out-of-Network Fee $1.50
International ATM Fee $3

What is Chase Bank?

Chase is the consumer and commercial banking arm of JPMorgan Chase & Co., a global financial services company based in the USA. Headquartered in New York, Chase Bank offers a full range of personal and business banking products and services in the US.

The largest bank in the US, it operates a network of over 4,700 branches and more than 15,000 ATMs.

Where does Chase Bank operate?

Chase Bank operates in the United States, but it also offers personal bank accounts in the United Kingdom. While it previously offered credit cards in Canada, Chase announced that it was leaving the Canadian market in March 2018.

What financial products does Chase Bank offer in the US?

Chase offers all the usual financial products and services you’d expect from a major bank in Canada. Its offerings for US customers include:

Can I use my Chase credit card in Canada?

Yes, you can use your Chase credit card in Canada to pay for purchases and withdraw cash from ATMs. Cards on the Visa and Mastercard networks are widely accepted across Canada and around the world. However, you’ll need to consider currency conversion costs and watch out for foreign transaction fees when using your credit card internationally.

Can I get a Chase credit card in Canada?

If you want to apply for a Chase credit card in Canada, we’ve got bad news: Chase Bank no longer offers credit cards in Canada. You’ll need to be a US resident to apply for a credit card from Chase.

Is the Chase Sapphire Preferred or Sapphire Reserve card available in Canada?

No. You’ll need a US address and either a US Social Security Number (SSN) or Individual Tax Identification Number (ITIN) to qualify for a Chase credit card.

Is the Chase Aeroplan card available in Canada?

No. The Chase Aeroplan Card allows users to earn points in Air Canada’s Aeroplan loyalty program, but it’s only available in the USA.

Can I use my Chase debit card in Canada?

Yes. Chase debit cards typically operate on the Visa network, and Visa cards are widely accepted by merchants and ATMs across Canada. However, you’ll need to take into account currency conversion costs and foreign transaction fees when using your debit card internationally.

Chase Merchant Services in Canada

Chase doesn’t offer personal banking in Canada, but it does have a Canadian presence in the form of Chase Payment Solutions, which was formerly known as Chase Merchant Services. It offers Chase POS Canada payment solutions for businesses, including POS terminals for in-person payments, and options for receiving payments online and over the phone.

Is Chase Paymentech available in Canada?

Yes. Chase Paymentech Solutions Inc. is run by J.P. Morgan Payments. It offers electronic payment processing services for businesses and is used at over 110,000 Canadian business locations.

Bottom line

Chase doesn’t offer personal bank accounts in Canada, but there are plenty of Chase Canada alternatives to choose from. Compare accounts from the Big Five as well as online banks before deciding where to open a chequing, savings or hybrid account.

Frequently asked questions about Chase Bank in Canada

Banking scores

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Finder scores, in blue, are based on our expert analysis. We assess multiple key categories broken down into over 30 different data points across both chequing and savings accounts.

To find out more, read our full savings account methodology and full chequing account methodology.

More banking guides from our experts

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Writer

Tim Falk is a freelance writer for Finder. Over the course of his 15-year writing career, he has reported on a wide range of personal finance topics. Whether you're investing in stocks and ETFs, comparing savings accounts or choosing a credit card, Tim wants to make it easier for you to understand. When he’s not staring at his computer, you can usually find him exploring the great outdoors. See full bio

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