{"id":786751,"date":"2019-06-15T19:29:45","date_gmt":"2019-06-15T23:29:45","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=786751"},"modified":"2026-03-20T20:06:58","modified_gmt":"2026-03-21T00:06:58","slug":"joint-bank-accounts","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/banking\/joint-bank-accounts","title":{"rendered":"Best joint bank accounts in Canada for 2026"},"content":{"rendered":"<p>Joint accounts can be a great option for people who are on the same financial page, but can cause huge headaches in some cases. In this guide, we break down when opting for a joint account makes sense, tips to navigate joint account usage and how to choose the best joint bank account in Canada for you.<\/p><h3 id=\"what\">What is a joint account?<\/h3><p>A joint account is any type of bank account that\u2019s held in two or more names. Everyone named on the account has equal access to the money and can use the funds however they see fit. Although in Canada these accounts can be opened by any two people regardless of relationship, they\u2019re generally used by family members, couples or business partners who trust each other.<\/p><h3 id=\"best\">6 best joint accounts in Canada<\/h3><ul><li><strong>Overall best joint account in Canada:<\/strong> <a class=\"scroll\" style=\"text-decoration: none; color: #1d53ff;\" href=\"#eq\">EQ Bank Personal Account<\/a><\/li><li><strong>Best joint chequing account for families:<\/strong> <a class=\"scroll\" style=\"text-decoration: none; color: #1d53ff;\" href=\"#bmo\">BMO Performance Chequing Account<\/a><\/li><li><strong>Best joint account from a digital bank:<\/strong> <a class=\"scroll\" style=\"text-decoration: none; color: #1d53ff;\" href=\"#tangerine\">Tangerine No Fee Daily Chequing Account<\/a><\/li><li><strong>Best joint chequing account:<\/strong> <a class=\"scroll\" style=\"text-decoration: none; color: #1d53ff;\" href=\"#simplii\">Simplii No Fee Chequing Account<\/a><\/li><li><strong>Best joint account for unmarried couples:<\/strong> <a class=\"scroll\" style=\"text-decoration: none; color: #1d53ff;\" href=\"#wealthsimple\">Wealthsimple Chequing Account<\/a><\/li><li><strong>Best joint spending and saving account:<\/strong> <a class=\"scroll\" style=\"text-decoration: none; color: #1d53ff;\" href=\"#pc\">PC Money Account<\/a><\/li><\/ul><h3 id=\"eq\">Best overall joint account<\/h3><article class=\"luna-card luna-card--border\">\r\n  <div class=\"luna-card__block\">\r\n    \r\n  \t\r\n  \t\r\n    \r\n    \r\n    <div class=\"u-grid u-grid--alignTop\">\r\n      <div class=\"u-grid__col u-1\/4@m \" style=\"padding-bottom: 0px;\" data-product-id=\"bffd0c48-dbf8-4ec5-aedf-a9eeb532406b\" data-product-name=\"EQ Bank Personal Account\" data-niche=\"Chequing Accounts\" data-provider-name=\"EQ Bank\" data-rewards-campaign-name=\"\">\r\n        <center><img decoding=\"async\" data-src=\"https:\/\/www.finder.com\/niche-builder\/667c6ce5395b5.png\" class=\"lazy-load\" alt=\"EQ Bank Personal Account\" src=\"https:\/\/www.finder.com\/niche-builder\/667c6ce5395b5.png\" style=\"width: 100%; max-width: 200px;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/667c6ce5395b5.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/667c6ce5395b5.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/667c6ce5395b5.png?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\" loading=\"lazy\"><\/center>\r\n        <div class=\"has-padding-xsmall\"><\/div>\r\n\r\n        \r\n        <center>\r\n          <div class=\"detail-info bffd0c48-dbf8-4ec5-aedf-a9eeb532406b\" style=\"cursor: pointer; z-index: 1;position: relative; margin-bottom: 1rem; display: inline-flex;\">\r\n            \r\n\r\n            \r\n            \r\n            \r\n            <a class=\"scoreCombined score__container finder-score\">\r\n              <span class=\"score__badge score__badge--excellent\">\r\n                <span class=\"score__value\">9.4<\/span>\r\n              <\/span>\r\n              <span class=\"score__text-wrapper score__text score__text--excellent\">\r\n                Excellent\r\n              <\/span>\r\n            <\/a>\r\n            \r\n          <\/div>\r\n        <\/center>\r\n\r\n\r\n        <a class=\"luna-button luna-button--success luna-button--fluid has-margin-top-xsmall rewards--cta\" href=\"https:\/\/www.finder.com\/redirect\/ca\/chequing-accounts\/eqbank-personal-account-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22bffd0c48-dbf8-4ec5-aedf-a9eeb532406b%22%2C%22product_name%22%3A%22EQ%2BBank%2BPersonal%2BAccount%22%2C%22offer_id%22%3A%2222475%22%2C%22decorator%22%3A%22CAFSA-CHQ.PRODUCT.MISC_PRODUCT_DISPLAY_V2%22%2C%22niche_code%22%3A%22CAFSA-CHQ%22%2C%22post_id%22%3A%22786751%22%2C%22post_path%22%3A%22banking%252Fjoint-bank-accounts%22%2C%22post_country%22%3A%22ca%22%7D\" target=\"_blank\" type=\"button\">Go to site<\/a>\r\n        <a class=\"luna-button luna-button--action luna-button--ghost luna-button--fluid\" href=\"https:\/\/www.finder.com\/ca\/banking\/eq-bank-review\/eq-bank-personal-account-review\" role=\"button\">Read review<\/a>\r\n      <\/div>\r\n      <div class=\"u-grid__col u-3\/4@m\" style=\"padding-bottom: 0px;\">\r\n        <div class=\"\u201chas-padding-xsmall\u201d\"><\/div>\r\n        <h4 id=\"bffd0c48-dbf8-4ec5-aedf-a9eeb532406b\" class=\"luna-card__title\" style=\"padding-bottom: 10px; font-size: 20px;\"><b>EQ Bank Personal Account<\/b><\/h4>\r\n\r\n        \r\n        <div class=\"u-grid u-grid--alignMiddle\">\r\n          <div class=\"u-grid__col u-1\/3@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n            <span style=\"font-size: 25px; font-weight: 900; color: #1D53FF;\"><b>Earn 2.75%<\/b><span class=\"table-popover\" rel=\"popover\" data-content=\"Earn &lt;b&gt;2.75% interest&lt;\/b&gt;. To receive 2.75% interest, you'll need to have at least $2,000\/month of your pay directly deposited into a Personal Account or Joint Account. Conditions apply. Otherwise, you'll earn 1.00% on your balance.\" title=\"\" data-original-title=\"More info\">\r\n              \r\n            <\/span>\r\n            <br>\r\n            <span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative; top: -8px;\">Bonus\r\n              Offer<\/span>\r\n\r\n          <\/span><\/div>\r\n          <div class=\"u-grid__col u-1\/3@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n            <span style=\"font-size: 25px; font-weight: 900; color: #1D53FF;\">$0\r\n              \r\n            <\/span>\r\n            <br>\r\n            <span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative; top: -8px;\">Monthly\r\n              Account Fee<\/span>\r\n\r\n          <\/div>\r\n          <div class=\"u-grid__col u-1\/3@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n            <span style=\"font-size: 25px; font-weight: 900; color: #1D53FF;\">unlimited\r\n              \r\n            <\/span>\r\n            <br>\r\n            <span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative; top: -8px;\">Free\r\n              Transactions<\/span>\r\n\r\n          <\/div>\r\n        <\/div>\r\n\r\n        \r\n\r\n        <div class=\"has-overflow-auto luna-tabs\" style=\"margin: 0rem;\">\r\n          <ul class=\"luna-tabs__list\">\r\n            <li class=\"active luna-tab\"><a class=\"luna-tab__action\" href=\"#pb-tabname0-bffd0c48-dbf8-4ec5-aedf-a9eeb532406b-1\" data-toggle=\"tab\">Info<\/a><\/li>\r\n            \r\n            <li class=\"luna-tab\"><a class=\"luna-tab__action\" href=\"#pb-tabname1-bffd0c48-dbf8-4ec5-aedf-a9eeb532406b-1\" data-toggle=\"tab\">Pros + Cons<\/a><\/li>\r\n            \r\n            <li class=\"luna-tab\"><a class=\"luna-tab__action\" href=\"#pb-tabname2-bffd0c48-dbf8-4ec5-aedf-a9eeb532406b-1\" data-toggle=\"tab\">More Details<\/a><\/li>\r\n          <\/ul>\r\n\r\n          <div class=\"tab-content\">\r\n            \r\n            <div class=\"tab-pane active\" id=\"pb-tabname0-bffd0c48-dbf8-4ec5-aedf-a9eeb532406b-1\">\r\n              <div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n                <div class=\"has-padding-xsmall\"><\/div>\r\n                \r\n                <div class=\"has-padding-xsmall\"><\/div>\r\n                If you're looking to save and spend, the EQ Bank Personal Account is a great hybrid savings and chequing account option. This interest-earning chequing account pays up to 2.75% interest. Enjoy high interest with no fees on everyday banking, plus unlimited transactions and no minimum balances. Sign up online in minutes. Plus, you can add up to three other people to this joint account.\r\n              <\/div>\r\n            <\/div>\r\n\r\n            \r\n            \r\n            <div class=\"tab-pane\" id=\"pb-tabname1-bffd0c48-dbf8-4ec5-aedf-a9eeb532406b-1\">\r\n              <div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n                <div class=\"has-padding-xsmall\"><\/div>\r\n                <div class=\"u-grid u-grid--gutterCollapse\" style=\"margin: 0px;\">\r\n                  <div class=\"u-grid__col u-1\/2@m\">\r\n                    \r\n                    <ul class=\"list-1\">\r\n                      \r\n                      <li>$0 account fee<\/li>\r\n                      \r\n                      <li>Get unlimited transactions<\/li>\r\n                      \r\n                      <li>$0 Interac eTransfers<\/li>\r\n                      \r\n                      <li>Earn up to 2.75% interest on your balance<\/li>\r\n                      \r\n                      <li>EQ Bank will refund withdrawal fees for using any ATM across Canada<\/li>\r\n                      \r\n                      <li>No minimum balance requirement<\/li>\r\n                      \r\n                    <\/ul>\r\n                    \r\n                  <\/div>\r\n                  <div class=\"u-grid__col u-1\/2@m\">\r\n                    \r\n                    <ul class=\"list-12\">\r\n                      \r\n                      <li>No physical branches for in-person service<\/li>\r\n                      \r\n                      <li>Some standard banking features not available such as overdraft protection and the option to have paper statements<\/li>\r\n                      \r\n                    <\/ul>\r\n                    \r\n                  <\/div>\r\n                <\/div>\r\n              <\/div>\r\n            <\/div>\r\n            \r\n\r\n            \r\n            <div class=\"tab-pane\" id=\"pb-tabname2-bffd0c48-dbf8-4ec5-aedf-a9eeb532406b-1\">\r\n              <div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n\r\n                \r\n <table class=\"luna-table\" style=\"border: 0px;\">\r\n  <tbody class=\"luna-table__body\">\r\n    \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Monthly Account Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$0<\/span>\r\n    <\/td>\r\n  <\/tr>\r\n    \r\n        \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Free Transactions<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">unlimited<\/span>\r\n    <\/td>\r\n  <\/tr>\r\n        \r\n            \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Interac e-Transfer Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$0<\/span>\r\n      <\/td>\r\n  <\/tr>\r\n            \r\n                \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">In-Network ATM Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$0<\/span>\r\n      <\/td>\r\n  <\/tr>\r\n                \r\n                \r\n        <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">NSF Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$0<\/span>\r\n          <\/td>\r\n  <\/tr>\r\n                    \r\n                    \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Foreign Transaction Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">0%<\/span>\r\n      <\/td>\r\n  <\/tr>\r\n                        \r\n                    \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">CDIC Deposit Insurance<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$100,000<\/span>\r\n      <\/td>\r\n  <\/tr>\r\n                            \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Bonus Offer<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\"><b>Earn 2.75%<\/b><span class=\"table-popover\" rel=\"popover\" data-content=\"Earn &lt;b&gt;2.75% interest&lt;\/b&gt;. To receive 2.75% interest, you'll need to have at least $2,000\/month of your pay directly deposited into a Personal Account or Joint Account. Conditions apply. Otherwise, you'll earn 1.00% on your balance.\" title=\"\" data-original-title=\"More info\">\r\n               <\/span>\r\n      <\/span><\/td>\r\n  <\/tr>\r\n  <\/tbody>\r\n<\/table>               \r\n                \r\n    <\/div>\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/article>\r\n\r\n\r\n\r\n\r\n<style>\r\n  .no-cta-button {\r\n    font-weight: bold;\r\n    font-size: 18px;\r\n    color: #00ba9c;\r\n    text-decoration: underline;\r\n    text-align: center;\r\n    margin-top: 0 !important;\r\n    width: 100%;\r\n  }\r\n\r\n  .no-cta-button:hover {\r\n    color: #4dceb9;\r\n  }\r\n<\/style>\r\n\r\n<style>\r\n  .scoreCombined.finder-score::before {\r\n    display: none;\r\n  }\r\n\r\n  .score__container {\r\n    display: flex;\r\n    width: 100%;\r\n    flex-direction: column;\r\n    flex-flow: nowrap;\r\n    font-size: 18px;\r\n  }\r\n\r\n  .score__badge {\r\n    border-radius: 100px 16px 100px 100px;\r\n    border: none;\r\n    display: flex;\r\n    justify-content: center;\r\n    align-items: center;\r\n    height: 2.2rem;\r\n    width: 2.2rem;\r\n    background-image: linear-gradient(45deg,\r\n        transparent 25%,\r\n        rgba(255, 255, 255, 0.2) 50%,\r\n        transparent 75%,\r\n        transparent 100%);\r\n    background-size: 250% 250%, 100% 100%;\r\n    background-position: -100% 0, 0 0;\r\n    background-repeat: no-repeat;\r\n  }\r\n\r\n  .score__badge--excellent {\r\n    background-color: rgb(25, 105, 232);\r\n    box-shadow: rgba(18, 85, 208, 0.3) 0px 1.125px 6.75px 0px,\r\n      rgba(255, 255, 255, 0.25) 0px 4.5px 4.5px 0px inset,\r\n      rgba(255, 255, 255, 0.25) 0px 2.25px 0px 0px inset,\r\n      rgba(0, 0, 0, 0.2) 0px 0px 0px 1.125px inset,\r\n      rgb(25, 105, 232) 0px -2.25px 0px 0px inset;\r\n  }\r\n\r\n  .score__badge--great {\r\n    background-color: rgb(0, 120, 40);\r\n    box-shadow: rgba(18, 85, 208, 0.3) 0px 1.125px 6.75px 0px,\r\n      rgba(255, 255, 255, 0.25) 0px 4.5px 4.5px 0px inset,\r\n      rgba(255, 255, 255, 0.25) 0px 2.25px 0px 0px inset,\r\n      rgba(0, 0, 0, 0.2) 0px 0px 0px 1.125px inset,\r\n      rgb(0, 120, 40) 0px -2.25px 0px 0px inset;\r\n  }\r\n\r\n  .score__badge--standard {\r\n    background-color: rgb(231, 185, 11);\r\n    box-shadow: rgba(18, 85, 208, 0.3) 0px 1.125px 6.75px 0px,\r\n      rgba(255, 255, 255, 0.25) 0px 4.5px 4.5px 0px inset,\r\n      rgba(255, 255, 255, 0.25) 0px 2.25px 0px 0px inset,\r\n      rgba(0, 0, 0, 0.2) 0px 0px 0px 1.125px inset,\r\n      rgb(231, 185, 11) 0px -2.25px 0px 0px inset;\r\n  }\r\n\r\n  .score__badge--basic {\r\n    background-color: rgb(240, 88, 0);\r\n    box-shadow: rgba(18, 85, 208, 0.3) 0px 1.125px 6.75px 0px,\r\n      rgba(255, 255, 255, 0.25) 0px 4.5px 4.5px 0px inset,\r\n      rgba(255, 255, 255, 0.25) 0px 2.25px 0px 0px inset,\r\n      rgba(0, 0, 0, 0.2) 0px 0px 0px 1.125px inset,\r\n      rgb(240, 88, 0) 0px -2.25px 0px 0px inset;\r\n  }\r\n\r\n  .score__badge:hover {\r\n    animation: shine-effect 1.5s ease;\r\n  }\r\n\r\n  @keyframes shine-effect {\r\n    0% {\r\n      background-position: -100% 0, 0 0;\r\n    }\r\n\r\n    100% {\r\n      background-position: 200% 0, 0 0;\r\n    }\r\n  }\r\n\r\n  .score__value {\r\n    color: white;\r\n    font-weight: 700;\r\n  }\r\n\r\n  .score__text-wrapper-cards {\r\n    border: none;\r\n    align-items: center;\r\n    display: flex;\r\n    background-color: rgb(240 247 255);\r\n    padding: 0.25rem 0 0.25rem 0.875rem;\r\n    border-radius: 0 999px 999px 0;\r\n    margin-left: -0.375rem;\r\n    top: -4px;\r\n    width: 100%;\r\n    width: auto;\r\n    padding-right: 15px !important;\r\n  }\r\n\r\n  .score__text {\r\n    font-weight: 500;\r\n    font-size: 16px;\r\n    white-space: nowrap;\r\n  }\r\n\r\n  .scoreCombined {\r\n    text-decoration: none;\r\n  }\r\n\r\n  a.scoreCombined,\r\n  a.scoreCombined:hover {\r\n    text-decoration: none;\r\n  }\r\n\r\n  .score__text--excellent {\r\n    background-color: rgb(240 247 255);\r\n    color: rgb(18 85 208);\r\n  }\r\n\r\n  .score__text--great {\r\n    background-color: rgb(240 251 246);\r\n    color: rgb(0 120 40);\r\n  }\r\n\r\n  .score__text--standard {\r\n    background-color: rgb(255 251 227);\r\n    color: rgb(161 98 7);\r\n    padding-right: 0px;\r\n  }\r\n\r\n  .score__text--basic {\r\n    background-color: rgb(255, 234, 227);\r\n    color: rgb(240, 88, 0);\r\n    padding-right: 0px;\r\n  }\r\n\r\n  table div[class*=\"methodology-partial\"] {\r\n    display: none;\r\n  }\r\n<\/style>\r\n<style>\r\n  .deals--container {\r\n    display: flex;\r\n    flex-direction: column;\r\n    text-align: left;\r\n    padding: 0px 0px 8px 0px;\r\n  }\r\n  \r\n  .deals--rewards-container{\r\n    margin-bottom: 16px;\r\n  }\r\n\r\n  .deals--rewards {\r\n    background-color: #0a41ee;\r\n    border-radius: 12px;\r\n    padding: 12px;\r\n    color: white;\r\n    margin: 0 10px;\r\n    box-sizing: border-box;\r\n    p {\r\n          margin: 0;\r\n        }\r\n  }\r\n\r\n  .deals--rewards-tag {\r\n    display: inline-block;\r\n    background-color: white;\r\n    color: #1d53ff;\r\n    border-radius: 999px;\r\n    font-weight: 900;\r\n    font-size: 12px;\r\n    text-transform: uppercase;\r\n    margin-bottom: 8px;\r\n    box-sizing: border-box;\r\n    vertical-align: middle;\r\n    line-height: 1;\r\n    padding: 3px 8px 1px 8px;\r\n  }\r\n\r\n  .deals--rewards a:hover { color: unset; }\r\n  \r\n  .deals--rewards span {\r\n    font-size: 14px !important;\r\n    font-weight: 400;\r\n    line-height: 1.5;\r\n    color: white;\r\n    display: block;\r\n  }\r\n\r\n  .deals--rewards span b {\r\n    font-size: 14px !important;\r\n    font-weight: 800;\r\n    display: block;\r\n    line-height: 1.2;\r\n    margin-bottom: 4px;\r\n  }\r\n\r\n  .deals--rewards-terms {\r\n    font-size: 14px;\r\n    color: #232320;\r\n    margin-left: 10px;\r\n    margin-right: 10px;\r\n    margin-top: -2px;\r\n    font-weight: 400;\r\n    text-decoration: underline;\r\n    font-variant-numeric: lining-nums tabular-nums;\r\n  }\r\n<\/style><h3 id=\"bmo\">Best joint chequing account for families<\/h3><article class=\"luna-card luna-card--border\">\r\n  <div class=\"luna-card__block\">\r\n    \r\n  \t\r\n  \t\r\n    \r\n    \r\n    <div class=\"u-grid u-grid--alignTop\">\r\n      <div class=\"u-grid__col u-1\/4@m  rewards--element-container rewards--container \" style=\"padding-bottom: 0px;\" data-product-id=\"b01ef1f7-4690-430e-890a-bde8c7186248\" data-product-name=\"BMO Performance Chequing Account\" data-niche=\"Chequing Accounts\" data-provider-name=\"BMO\" data-rewards-campaign-name=\"bmo|performance|may-2026~cafsa\">\r\n        <center><img decoding=\"async\" data-src=\"https:\/\/www.finder.com\/niche-builder\/61a073898f68c.png\" class=\"lazy-load\" alt=\"BMO Performance Chequing Account\" src=\"https:\/\/www.finder.com\/niche-builder\/61a073898f68c.png\" style=\"width: 100%; max-width: 200px;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/61a073898f68c.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/61a073898f68c.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/61a073898f68c.png?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\" loading=\"lazy\"><\/center>\r\n        <div class=\"has-padding-xsmall\"><\/div>\r\n\r\n        \r\n        <center>\r\n          <div class=\"detail-info b01ef1f7-4690-430e-890a-bde8c7186248\" style=\"cursor: pointer; z-index: 1;position: relative; margin-bottom: 1rem; display: inline-flex;\">\r\n            \r\n\r\n            \r\n            \r\n            \r\n            <a class=\"scoreCombined score__container finder-score\">\r\n              <span class=\"score__badge score__badge--great\">\r\n                <span class=\"score__value\">8.7<\/span>\r\n              <\/span>\r\n              <span class=\"score__text-wrapper score__text score__text--great\">\r\n                Great\r\n              <\/span>\r\n            <\/a>\r\n            \r\n          <\/div>\r\n        <\/center>\r\n\r\n\r\n        <a class=\"luna-button luna-button--success luna-button--fluid has-margin-top-xsmall rewards--cta\" href=\"https:\/\/www.finder.com\/redirect\/ca\/chequing-accounts\/bmo-performance-chequing-account-review-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22b01ef1f7-4690-430e-890a-bde8c7186248%22%2C%22product_name%22%3A%22BMO%2BPerformance%2BChequing%2BAccount%22%2C%22offer_id%22%3A%2222439%22%2C%22decorator%22%3A%22CAFSA-CHQ.PRODUCT.MISC_PRODUCT_DISPLAY_V2%22%2C%22niche_code%22%3A%22CAFSA-CHQ%22%2C%22post_id%22%3A%22786751%22%2C%22post_path%22%3A%22banking%252Fjoint-bank-accounts%22%2C%22post_country%22%3A%22ca%22%7D\" target=\"_blank\" type=\"button\">Go to site<\/a>\r\n        <a class=\"luna-button luna-button--action luna-button--ghost luna-button--fluid\" href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/bmo-chequing\/bmo-performance-chequing-account-review\" role=\"button\">Read review<\/a>\r\n      <\/div>\r\n      <div class=\"u-grid__col u-3\/4@m\" style=\"padding-bottom: 0px;\">\r\n        <div class=\"\u201chas-padding-xsmall\u201d\"><\/div>\r\n        <h4 id=\"b01ef1f7-4690-430e-890a-bde8c7186248\" class=\"luna-card__title\" style=\"padding-bottom: 10px; font-size: 20px;\"><b>BMO Performance Chequing Account<\/b><\/h4>\r\n\r\n        \r\n        <div class=\"u-grid u-grid--alignMiddle\">\r\n          <div class=\"u-grid__col u-1\/3@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n            <span style=\"font-size: 25px; font-weight: 900; color: #1D53FF;\"><b>Earn up to $800<\/b><span class=\"table-popover\" rel=\"popover\" data-content=\"&lt;b&gt;Earn up to $800.&lt;\/b&gt;&lt;br \/&gt;&lt;br \/&gt;Earn $500 when you open and fund a new BMO Performance Chequing Account by June 1, 2026 and complete two qualifying tasks by July 31, 2026.&lt;br \/&gt;&lt;br \/&gt;Earn $100 when you set up a recurring direct deposit of $500 or more by July 31, 2026 and maintain if for one year.&lt;br \/&gt;&lt;br \/&gt;Plus, get a Walmart Delivery Pass subscription for up to 12 months* when you open a new Savings Amplifier Account by June 1, 2026, and sign up for or update your existing Walmart Delivery Pass by July 31, 2026 by selecting Debit Mastercard as the payment option for the monthly transaction fee.&lt;br \/&gt;&lt;br \/&gt;Earn $150* when you deposit a total of $10,000 or more in to your Savings Amplifier Account and maintain a daily closing balance of $10,000 or more within 30 days of opening and maintain that balance for 3 months.&lt;br \/&gt;&lt;br \/&gt;Earn $50* when you create one goal and apply one strategy in My Financial Progress Plan by July 31, 2026.&lt;br \/&gt;&lt;br \/&gt;*Terms apply.\" title=\"\" data-original-title=\"More info\">\r\n              \r\n            <\/span>\r\n            <br>\r\n            <span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative; top: -8px;\">Bonus\r\n              Offer<\/span>\r\n\r\n          <\/span><\/div>\r\n          <div class=\"u-grid__col u-1\/3@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n            <span style=\"font-size: 25px; font-weight: 900; color: #1D53FF;\">$17.95\r\n              \r\n            <\/span>\r\n            <br>\r\n            <span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative; top: -8px;\">Monthly\r\n              Account Fee<\/span>\r\n\r\n          <\/div>\r\n          <div class=\"u-grid__col u-1\/3@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n            <span style=\"font-size: 25px; font-weight: 900; color: #1D53FF;\">unlimited\r\n              \r\n            <\/span>\r\n            <br>\r\n            <span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative; top: -8px;\">Free\r\n              Transactions<\/span>\r\n\r\n          <\/div>\r\n        <\/div>\r\n\r\n        \r\n\r\n        <div class=\"has-overflow-auto luna-tabs\" style=\"margin: 0rem;\">\r\n          <ul class=\"luna-tabs__list\">\r\n            <li class=\"active luna-tab\"><a class=\"luna-tab__action\" href=\"#pb-tabname0-b01ef1f7-4690-430e-890a-bde8c7186248-1\" data-toggle=\"tab\">Info<\/a><\/li>\r\n            \r\n            <li class=\"luna-tab\"><a class=\"luna-tab__action\" href=\"#pb-tabname1-b01ef1f7-4690-430e-890a-bde8c7186248-1\" data-toggle=\"tab\">Pros + Cons<\/a><\/li>\r\n            \r\n            <li class=\"luna-tab\"><a class=\"luna-tab__action\" href=\"#pb-tabname2-b01ef1f7-4690-430e-890a-bde8c7186248-1\" data-toggle=\"tab\">More Details<\/a><\/li>\r\n          <\/ul>\r\n\r\n          <div class=\"tab-content\">\r\n            \r\n            <div class=\"tab-pane active\" id=\"pb-tabname0-b01ef1f7-4690-430e-890a-bde8c7186248-1\">\r\n              <div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n                <div class=\"has-padding-xsmall\"><\/div>\r\n                \r\n                <div class=\"u-grid__col u-1\/1 deals--container\">\r\n                  <div class=\"deals--rewards-container\">\r\n                    <div class=\"deals--container\">\r\n                      <div class=\"deals--rewards\">\r\n                        <h1 class=\"deals--rewards-tag\">Finder Reward<\/h1>\r\n                        <span><b>Get a $175 digital Visa gift card from Finder.<\/b> Become a Finder Member and open a BMO Performance Chequing Account through Finder.<\/span>\r\n                      <\/div>\r\n                    <\/div>\r\n                    \r\n                      <a href=\"\/ca\/finder-rewards\/finder-bmo-performance-chequing-account-reward-promotion-terms-and-conditions-may-2026\" class=\"deals--rewards-terms\" target=\"_blank\" rel=\"noopener noreferrer\">T&amp;Cs apply.<\/a>\r\n                    \r\n                  <\/div>\r\n                <\/div>\r\n                \r\n                <div class=\"has-padding-xsmall\"><\/div>\r\n                The BMO Performance Chequing Account offers a family bundle where you can add up to three other family members to your account. It offers unlimited free transactions and e-Transfers, and a generous welcome bonus (if you meet certain criteria).\r\n              <\/div>\r\n            <\/div>\r\n\r\n            \r\n            \r\n            <div class=\"tab-pane\" id=\"pb-tabname1-b01ef1f7-4690-430e-890a-bde8c7186248-1\">\r\n              <div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n                <div class=\"has-padding-xsmall\"><\/div>\r\n                <div class=\"u-grid u-grid--gutterCollapse\" style=\"margin: 0px;\">\r\n                  <div class=\"u-grid__col u-1\/2@m\">\r\n                    \r\n                    <ul class=\"list-1\">\r\n                      \r\n                      <li>Unlimited monthly transactions<\/li>\r\n                      \r\n                      <li>Interac e-Transfers<\/li>\r\n                      \r\n                      <li>$40 fee rebate on the BMO Mastercard annual fee<\/li>\r\n                      \r\n                      <li>BMO will reverse the first accidental fee charged to this account<\/li>\r\n                      \r\n                      <li>Up to 20 accounts can be included in the BMO Family Bundle<\/li>\r\n                      \r\n                      <li><b>Earn up to $800.<\/b> Earn up to an $800 cash bonus with the BMO Performance Chequing Account. Plus, get a Walmart Delivery Pass subscription for up to 12 months. <b>Valid until June 1, 2026.<\/b><span class=\"table-popover\" rel=\"popover\" data-content=\"&lt;b&gt;Earn up to $800.&lt;\/b&gt; Earn $500 when you open and fund a new BMO Performance Chequing Account by June 1, 2026 and complete two qualifying tasks by July 31, 2026. Earn $100 when you set up a recurring direct deposit of $500 or more by July 31, 2026 and maintain if for one year. Plus, get a Walmart Delivery Pass subscription for up to 12 months* when you open a new Savings Amplifier Account by June 1, 2026, and sign up for or update your existing Walmart Delivery Pass by July 31, 2026 by selecting Debit Mastercard as the payment option for the monthly transaction fee. Earn $150* when you deposit a total of $10,000 or more in to your Savings Amplifier Account and maintain a daily closing balance of $10,000 or more within 30 days of opening and maintain that balance for 3 months. Earn $50* when you create one goal and apply one strategy in My Financial Progress Plan by July 31, 2026. *Terms apply.\" title=\"\" data-original-title=\"More info\"><\/span><\/li>\r\n                      \r\n                    <\/ul>\r\n                    \r\n                  <\/div>\r\n                  <div class=\"u-grid__col u-1\/2@m\">\r\n                    \r\n                    <ul class=\"list-12\">\r\n                      \r\n                      <li>Monthly fee of $17.95<\/li>\r\n                      \r\n                      <li>You won't earn any interest on the money in your account.<\/li>\r\n                      \r\n                    <\/ul>\r\n                    \r\n                  <\/div>\r\n                <\/div>\r\n              <\/div>\r\n            <\/div>\r\n            \r\n\r\n            \r\n            <div class=\"tab-pane\" id=\"pb-tabname2-b01ef1f7-4690-430e-890a-bde8c7186248-1\">\r\n              <div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n\r\n                \r\n <table class=\"luna-table\" style=\"border: 0px;\">\r\n  <tbody class=\"luna-table__body\">\r\n    \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Monthly Account Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$17.95<\/span>\r\n    <\/td>\r\n  <\/tr>\r\n    \r\n        \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Free Transactions<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">unlimited<\/span>\r\n    <\/td>\r\n  <\/tr>\r\n        \r\n            \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Interac e-Transfer Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$0<\/span>\r\n      <\/td>\r\n  <\/tr>\r\n            \r\n                \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">In-Network ATM Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$0<\/span>\r\n      <\/td>\r\n  <\/tr>\r\n                \r\n                \r\n                    \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Foreign Transaction Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">2.5%<\/span>\r\n      <\/td>\r\n  <\/tr>\r\n                        \r\n                    \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">CDIC Deposit Insurance<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$100,000<\/span>\r\n      <\/td>\r\n  <\/tr>\r\n                            \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Bonus Offer<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\"><b>Earn up to $800<\/b><span class=\"table-popover\" rel=\"popover\" data-content=\"&lt;b&gt;Earn up to $800.&lt;\/b&gt;&lt;br \/&gt;&lt;br \/&gt;Earn $500 when you open and fund a new BMO Performance Chequing Account by June 1, 2026 and complete two qualifying tasks by July 31, 2026.&lt;br \/&gt;&lt;br \/&gt;Earn $100 when you set up a recurring direct deposit of $500 or more by July 31, 2026 and maintain if for one year.&lt;br \/&gt;&lt;br \/&gt;Plus, get a Walmart Delivery Pass subscription for up to 12 months* when you open a new Savings Amplifier Account by June 1, 2026, and sign up for or update your existing Walmart Delivery Pass by July 31, 2026 by selecting Debit Mastercard as the payment option for the monthly transaction fee.&lt;br \/&gt;&lt;br \/&gt;Earn $150* when you deposit a total of $10,000 or more in to your Savings Amplifier Account and maintain a daily closing balance of $10,000 or more within 30 days of opening and maintain that balance for 3 months.&lt;br \/&gt;&lt;br \/&gt;Earn $50* when you create one goal and apply one strategy in My Financial Progress Plan by July 31, 2026.&lt;br \/&gt;&lt;br \/&gt;*Terms apply.\" title=\"\" data-original-title=\"More info\">\r\n               <\/span>\r\n      <\/span><\/td>\r\n  <\/tr>\r\n  <\/tbody>\r\n<\/table>               \r\n                \r\n    <\/div>\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/article>\r\n\r\n\r\n<script src=\"https:\/\/www.finder.com\/parent-theme\/members\/prod\/rewards.482ec4183795d5e069d4.js\" type=\"text\/javascript\" defer><\/script>\n        <script src=\"https:\/\/www.finder.com\/parent-theme\/members\/prod\/loyalty-rewards.a32ff1e0871b1229ec30.js\" type=\"text\/javascript\" defer><\/script>\n<link rel=\"stylesheet\" href=\"https:\/\/www.finder.com\/parent-theme\/members\/prod\/rewards.4ac86867ae4423a808cc.css\" type=\"text\/css\"><script type=\"text\/javascript\">window.rewardsConfigs = window.rewardsConfigs || {};window.rewardsConfigs[\"bmo|performance|may-2026~cafsa\"] = {\"startDate\":\"2026-05-01T08:00:00.000Z\",\"endDate\":\"2026-07-01T03:59:59.000Z\",\"showVisaLogo\":true,\"minimalUx\":true,\"countryCode\":\"CA\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"bannerConfig\":{\"badgeText\":\"FINDER REWARDS EXCLUSIVE\",\"title\":\"Get $175 from Finder\",\"titleHighlight\":\"$175\",\"copyText\":\"Open a \\u003Cb\\u003EBMO Performance Chequing Account\\u003C\\\/b\\u003E online through Finder and receive a \\u003Cb\\u003E$175 digital Visa card + earn up to $800\\u003C\\\/b\\u003E in welcome bonuses from BMO. Offer ends June 30, 2026.\",\"termsText\":\"Separate T\\u0026Cs apply.\",\"ctaText\":\"GET DEAL\",\"iconUrl\":\"https:\\\/\\\/www.finder.com.au\\\/parent-theme\\\/members\\\/prod\\\/images\\\/rewards-icon.d44fdf8dde3fe4daca8c6a17d56489ca.svg\",\"nicheText\":\"\",\"mode\":\"modal\",\"metaData\":{\"productId\":\"b01ef1f7-4690-430e-890a-bde8c7186248\"},\"logoUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/svg-image\\\/rewards-logo-bmo\",\"nicheCode\":\"CAFSA-CHQ\",\"value\":\"175\",\"faqUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/chequing-accounts\\\/bmo-performance-chequing-account-may-2026-promotion\",\"validationDate\":\"2026-07-31T23:59:59.000Z\",\"fulfillmentDate\":\"2026-08-14T23:59:59.000Z\",\"termsAndConditionsUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/finder-rewards\\\/finder-bmo-performance-chequing-account-reward-promotion-terms-and-conditions-may-2026\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"referAFriendValue\":\"25\"},\"modalConfig\":{\"requireName\":true,\"title\":\"Get $175 from Finder\",\"subtitleText\":\"Your Visa card will be delivered here. 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Your details must match your new BMO account\",\"continueText\":\"GET $175 REWARD\",\"abortText\":\"SKIP REWARD, CONTINUE TO BMO\",\"copyText\":\"Ends on June 30, 2026\",\"termsText\":\"T\\u0026Cs apply\",\"logoUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/svg-image\\\/rewards-logo-bmo\",\"nicheCode\":\"CAFSA-CHQ\",\"value\":\"175\",\"faqUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/chequing-accounts\\\/bmo-performance-chequing-account-may-2026-promotion\",\"validationDate\":\"2026-07-31T23:59:59.000Z\",\"fulfillmentDate\":\"2026-08-14T23:59:59.000Z\",\"termsAndConditionsUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/finder-rewards\\\/finder-bmo-performance-chequing-account-reward-promotion-terms-and-conditions-may-2026\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"referAFriendValue\":\"25\"}};<\/script>\r\n\r\n<style>\r\n  .no-cta-button {\r\n    font-weight: bold;\r\n    font-size: 18px;\r\n    color: #00ba9c;\r\n    text-decoration: 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background-color: rgb(25, 105, 232);\r\n    box-shadow: rgba(18, 85, 208, 0.3) 0px 1.125px 6.75px 0px,\r\n      rgba(255, 255, 255, 0.25) 0px 4.5px 4.5px 0px inset,\r\n      rgba(255, 255, 255, 0.25) 0px 2.25px 0px 0px inset,\r\n      rgba(0, 0, 0, 0.2) 0px 0px 0px 1.125px inset,\r\n      rgb(25, 105, 232) 0px -2.25px 0px 0px inset;\r\n  }\r\n\r\n  .score__badge--great {\r\n    background-color: rgb(0, 120, 40);\r\n    box-shadow: rgba(18, 85, 208, 0.3) 0px 1.125px 6.75px 0px,\r\n      rgba(255, 255, 255, 0.25) 0px 4.5px 4.5px 0px inset,\r\n      rgba(255, 255, 255, 0.25) 0px 2.25px 0px 0px inset,\r\n      rgba(0, 0, 0, 0.2) 0px 0px 0px 1.125px inset,\r\n      rgb(0, 120, 40) 0px -2.25px 0px 0px inset;\r\n  }\r\n\r\n  .score__badge--standard {\r\n    background-color: rgb(231, 185, 11);\r\n    box-shadow: rgba(18, 85, 208, 0.3) 0px 1.125px 6.75px 0px,\r\n      rgba(255, 255, 255, 0.25) 0px 4.5px 4.5px 0px inset,\r\n      rgba(255, 255, 255, 0.25) 0px 2.25px 0px 0px inset,\r\n      rgba(0, 0, 0, 0.2) 0px 0px 0px 1.125px inset,\r\n      rgb(231, 185, 11) 0px -2.25px 0px 0px inset;\r\n  }\r\n\r\n  .score__badge--basic {\r\n    background-color: rgb(240, 88, 0);\r\n    box-shadow: rgba(18, 85, 208, 0.3) 0px 1.125px 6.75px 0px,\r\n      rgba(255, 255, 255, 0.25) 0px 4.5px 4.5px 0px inset,\r\n      rgba(255, 255, 255, 0.25) 0px 2.25px 0px 0px inset,\r\n      rgba(0, 0, 0, 0.2) 0px 0px 0px 1.125px inset,\r\n      rgb(240, 88, 0) 0px -2.25px 0px 0px inset;\r\n  }\r\n\r\n  .score__badge:hover {\r\n    animation: shine-effect 1.5s ease;\r\n  }\r\n\r\n  @keyframes shine-effect {\r\n    0% {\r\n      background-position: -100% 0, 0 0;\r\n    }\r\n\r\n    100% {\r\n      background-position: 200% 0, 0 0;\r\n    }\r\n  }\r\n\r\n  .score__value {\r\n    color: white;\r\n    font-weight: 700;\r\n  }\r\n\r\n  .score__text-wrapper-cards {\r\n    border: none;\r\n    align-items: center;\r\n    display: flex;\r\n    background-color: rgb(240 247 255);\r\n    padding: 0.25rem 0 0.25rem 0.875rem;\r\n    border-radius: 0 999px 999px 0;\r\n    margin-left: -0.375rem;\r\n    top: -4px;\r\n    width: 100%;\r\n    width: auto;\r\n    padding-right: 15px !important;\r\n  }\r\n\r\n  .score__text {\r\n    font-weight: 500;\r\n    font-size: 16px;\r\n    white-space: nowrap;\r\n  }\r\n\r\n  .scoreCombined {\r\n    text-decoration: none;\r\n  }\r\n\r\n  a.scoreCombined,\r\n  a.scoreCombined:hover {\r\n    text-decoration: none;\r\n  }\r\n\r\n  .score__text--excellent {\r\n    background-color: rgb(240 247 255);\r\n    color: rgb(18 85 208);\r\n  }\r\n\r\n  .score__text--great {\r\n    background-color: rgb(240 251 246);\r\n    color: rgb(0 120 40);\r\n  }\r\n\r\n  .score__text--standard {\r\n    background-color: rgb(255 251 227);\r\n    color: rgb(161 98 7);\r\n    padding-right: 0px;\r\n  }\r\n\r\n  .score__text--basic {\r\n    background-color: rgb(255, 234, 227);\r\n    color: rgb(240, 88, 0);\r\n    padding-right: 0px;\r\n  }\r\n\r\n  table div[class*=\"methodology-partial\"] {\r\n    display: none;\r\n  }\r\n<\/style>\r\n<style>\r\n  .deals--container {\r\n    display: flex;\r\n    flex-direction: column;\r\n    text-align: left;\r\n    padding: 0px 0px 8px 0px;\r\n  }\r\n  \r\n  .deals--rewards-container{\r\n    margin-bottom: 16px;\r\n  }\r\n\r\n  .deals--rewards {\r\n    background-color: #0a41ee;\r\n    border-radius: 12px;\r\n    padding: 12px;\r\n    color: white;\r\n    margin: 0 10px;\r\n    box-sizing: border-box;\r\n    p {\r\n          margin: 0;\r\n        }\r\n  }\r\n\r\n  .deals--rewards-tag {\r\n    display: inline-block;\r\n    background-color: white;\r\n    color: #1d53ff;\r\n    border-radius: 999px;\r\n    font-weight: 900;\r\n    font-size: 12px;\r\n    text-transform: uppercase;\r\n    margin-bottom: 8px;\r\n    box-sizing: border-box;\r\n    vertical-align: middle;\r\n    line-height: 1;\r\n    padding: 3px 8px 1px 8px;\r\n  }\r\n\r\n  .deals--rewards a:hover { color: unset; }\r\n  \r\n  .deals--rewards span {\r\n    font-size: 14px !important;\r\n    font-weight: 400;\r\n    line-height: 1.5;\r\n    color: white;\r\n    display: block;\r\n  }\r\n\r\n  .deals--rewards span b {\r\n    font-size: 14px !important;\r\n    font-weight: 800;\r\n    display: block;\r\n    line-height: 1.2;\r\n    margin-bottom: 4px;\r\n  }\r\n\r\n  .deals--rewards-terms {\r\n    font-size: 14px;\r\n    color: #232320;\r\n    margin-left: 10px;\r\n    margin-right: 10px;\r\n    margin-top: -2px;\r\n    font-weight: 400;\r\n    text-decoration: underline;\r\n    font-variant-numeric: lining-nums tabular-nums;\r\n  }\r\n<\/style><h3 id=\"tangerine\">Best joint account from a digital bank<\/h3><article class=\"luna-card luna-card--border\">\r\n  <div class=\"luna-card__block\">\r\n    \r\n  \t\r\n  \t\r\n    \r\n    \r\n    <div class=\"u-grid u-grid--alignTop\">\r\n      <div class=\"u-grid__col u-1\/4@m \" style=\"padding-bottom: 0px;\" data-product-id=\"9a3738f9-8b59-40df-afb9-0892ea7f99a5\" data-product-name=\"Tangerine No-Fee Daily Chequing Account\" data-niche=\"Chequing Accounts\" data-provider-name=\"Tangerine\" data-rewards-campaign-name=\"\">\r\n        <center><img decoding=\"async\" data-src=\"https:\/\/www.finder.com\/niche-builder\/641a6cf0c3d23.png\" class=\"lazy-load\" alt=\"Tangerine No-Fee Daily Chequing Account\" src=\"https:\/\/www.finder.com\/niche-builder\/641a6cf0c3d23.png\" style=\"width: 100%; max-width: 200px;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/641a6cf0c3d23.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/641a6cf0c3d23.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/641a6cf0c3d23.png?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\" loading=\"lazy\"><\/center>\r\n        <div class=\"has-padding-xsmall\"><\/div>\r\n\r\n        \r\n        <center>\r\n          <div class=\"detail-info 9a3738f9-8b59-40df-afb9-0892ea7f99a5\" style=\"cursor: pointer; z-index: 1;position: relative; margin-bottom: 1rem; display: inline-flex;\">\r\n            \r\n\r\n            \r\n            \r\n            \r\n            <a class=\"scoreCombined score__container finder-score\">\r\n              <span class=\"score__badge score__badge--great\">\r\n                <span class=\"score__value\">8.5<\/span>\r\n              <\/span>\r\n              <span class=\"score__text-wrapper score__text score__text--great\">\r\n                Great\r\n              <\/span>\r\n            <\/a>\r\n            \r\n          <\/div>\r\n        <\/center>\r\n\r\n\r\n        <a class=\"luna-button luna-button--success luna-button--fluid has-margin-top-xsmall rewards--cta\" href=\"https:\/\/www.finder.com\/redirect\/ca\/chequing-accounts\/tangerine-chequing-account-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%229a3738f9-8b59-40df-afb9-0892ea7f99a5%22%2C%22product_name%22%3A%22Tangerine%2BNo-Fee%2BDaily%2BChequing%2BAccount%22%2C%22offer_id%22%3A%2226268%22%2C%22decorator%22%3A%22CAFSA-CHQ.PRODUCT.MISC_PRODUCT_DISPLAY_V2%22%2C%22niche_code%22%3A%22CAFSA-CHQ%22%2C%22post_id%22%3A%22786751%22%2C%22post_path%22%3A%22banking%252Fjoint-bank-accounts%22%2C%22post_country%22%3A%22ca%22%7D\" target=\"_blank\" type=\"button\">Go to site<\/a>\r\n        <a class=\"luna-button luna-button--action luna-button--ghost luna-button--fluid\" href=\"https:\/\/www.finder.com\/ca\/banking\/tangerine-bank-review\/tangerine-bank-chequing-account\" role=\"button\">Read review<\/a>\r\n      <\/div>\r\n      <div class=\"u-grid__col u-3\/4@m\" style=\"padding-bottom: 0px;\">\r\n        <div class=\"\u201chas-padding-xsmall\u201d\"><\/div>\r\n        <h4 id=\"9a3738f9-8b59-40df-afb9-0892ea7f99a5\" class=\"luna-card__title\" style=\"padding-bottom: 10px; font-size: 20px;\"><b>Tangerine No-Fee Daily Chequing Account<\/b><\/h4>\r\n\r\n        \r\n        <div class=\"u-grid u-grid--alignMiddle\">\r\n          <div class=\"u-grid__col u-1\/3@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n            <span style=\"font-size: 25px; font-weight: 900; color: #1D53FF;\"><b>Earn $250<\/b><span class=\"table-popover\" rel=\"popover\" data-content=\"&lt;b&gt;Earn up to $250.&lt;\/b&gt; Earn up to $250 when you open a No-Fee Daily Chequing Account and move your pay. &lt;b&gt;Valid until October 31, 2026.&lt;\/b&gt;\" title=\"\" data-original-title=\"More info\">\r\n              \r\n            <\/span>\r\n            <br>\r\n            <span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative; top: -8px;\">Bonus\r\n              Offer<\/span>\r\n\r\n          <\/span><\/div>\r\n          <div class=\"u-grid__col u-1\/3@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n            <span style=\"font-size: 25px; font-weight: 900; color: #1D53FF;\">$0\r\n              \r\n            <\/span>\r\n            <br>\r\n            <span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative; top: -8px;\">Monthly\r\n              Account Fee<\/span>\r\n\r\n          <\/div>\r\n          <div class=\"u-grid__col u-1\/3@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n            <span style=\"font-size: 25px; font-weight: 900; color: #1D53FF;\">unlimited\r\n              \r\n            <\/span>\r\n            <br>\r\n            <span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative; top: -8px;\">Free\r\n              Transactions<\/span>\r\n\r\n          <\/div>\r\n        <\/div>\r\n\r\n        \r\n\r\n        <div class=\"has-overflow-auto luna-tabs\" style=\"margin: 0rem;\">\r\n          <ul class=\"luna-tabs__list\">\r\n            <li class=\"active luna-tab\"><a class=\"luna-tab__action\" href=\"#pb-tabname0-9a3738f9-8b59-40df-afb9-0892ea7f99a5-1\" data-toggle=\"tab\">Info<\/a><\/li>\r\n            \r\n            <li class=\"luna-tab\"><a class=\"luna-tab__action\" href=\"#pb-tabname1-9a3738f9-8b59-40df-afb9-0892ea7f99a5-1\" data-toggle=\"tab\">Pros + Cons<\/a><\/li>\r\n            \r\n            <li class=\"luna-tab\"><a class=\"luna-tab__action\" href=\"#pb-tabname2-9a3738f9-8b59-40df-afb9-0892ea7f99a5-1\" data-toggle=\"tab\">More Details<\/a><\/li>\r\n          <\/ul>\r\n\r\n          <div class=\"tab-content\">\r\n            \r\n            <div class=\"tab-pane active\" id=\"pb-tabname0-9a3738f9-8b59-40df-afb9-0892ea7f99a5-1\">\r\n              <div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n                <div class=\"has-padding-xsmall\"><\/div>\r\n                \r\n                <div class=\"has-padding-xsmall\"><\/div>\r\n                The Tangerine No-Fee Daily Chequing Account comes with a $0 monthly fee and unlimited free transactions and Interac e-Transfers. You can have up to two joint account holders on this account. Easily manage your money 24\/7 with Tangerine's highly-rated mobile app. Plus, earn up to 0.1% interest on every dollar.\r\n              <\/div>\r\n            <\/div>\r\n\r\n            \r\n            \r\n            <div class=\"tab-pane\" id=\"pb-tabname1-9a3738f9-8b59-40df-afb9-0892ea7f99a5-1\">\r\n              <div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n                <div class=\"has-padding-xsmall\"><\/div>\r\n                <div class=\"u-grid u-grid--gutterCollapse\" style=\"margin: 0px;\">\r\n                  <div class=\"u-grid__col u-1\/2@m\">\r\n                    \r\n                    <ul class=\"list-1\">\r\n                      \r\n                      <li>Earn decent interest rates<\/li>\r\n                      \r\n                      <li>Unlimited transactions<\/li>\r\n                      \r\n                      <li>Free Interac e-Transfers<\/li>\r\n                      \r\n                      <li>Free cheques<\/li>\r\n                      \r\n                      <li>Mobile cheque deposits<\/li>\r\n                      \r\n                    <\/ul>\r\n                    \r\n                  <\/div>\r\n                  <div class=\"u-grid__col u-1\/2@m\">\r\n                    \r\n                    <ul class=\"list-12\">\r\n                      \r\n                      <li>Charges for certain ATMs<\/li>\r\n                      \r\n                      <li>No in-person service<\/li>\r\n                      \r\n                      <li>Only one free replacement card<\/li>\r\n                      \r\n                    <\/ul>\r\n                    \r\n                  <\/div>\r\n                <\/div>\r\n              <\/div>\r\n            <\/div>\r\n            \r\n\r\n            \r\n            <div class=\"tab-pane\" id=\"pb-tabname2-9a3738f9-8b59-40df-afb9-0892ea7f99a5-1\">\r\n              <div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n\r\n                \r\n <table class=\"luna-table\" style=\"border: 0px;\">\r\n  <tbody class=\"luna-table__body\">\r\n    \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Monthly Account Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$0<\/span>\r\n    <\/td>\r\n  <\/tr>\r\n    \r\n        \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Free Transactions<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">unlimited<\/span>\r\n    <\/td>\r\n  <\/tr>\r\n        \r\n            \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Interac e-Transfer Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$0<\/span>\r\n      <\/td>\r\n  <\/tr>\r\n            \r\n                \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">In-Network ATM Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$0<\/span>\r\n      <\/td>\r\n  <\/tr>\r\n                \r\n                \r\n        <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">NSF Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$10<\/span>\r\n          <\/td>\r\n  <\/tr>\r\n                    \r\n                    \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Foreign Transaction Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">2.5%<\/span>\r\n      <\/td>\r\n  <\/tr>\r\n                        \r\n                    \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">CDIC Deposit Insurance<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$100,000<\/span>\r\n      <\/td>\r\n  <\/tr>\r\n                            \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Bonus Offer<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\"><b>Earn $250<\/b><span class=\"table-popover\" rel=\"popover\" data-content=\"&lt;b&gt;Earn up to $250.&lt;\/b&gt; Earn up to $250 when you open a No-Fee Daily Chequing Account and move your pay. &lt;b&gt;Valid until October 31, 2026.&lt;\/b&gt;\" title=\"\" data-original-title=\"More info\">\r\n               <\/span>\r\n      <\/span><\/td>\r\n  <\/tr>\r\n  <\/tbody>\r\n<\/table>               \r\n                \r\n    <\/div>\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/article>\r\n\r\n\r\n\r\n\r\n<style>\r\n  .no-cta-button {\r\n    font-weight: bold;\r\n    font-size: 18px;\r\n    color: #00ba9c;\r\n    text-decoration: underline;\r\n    text-align: center;\r\n    margin-top: 0 !important;\r\n    width: 100%;\r\n  }\r\n\r\n  .no-cta-button:hover {\r\n    color: #4dceb9;\r\n  }\r\n<\/style>\r\n\r\n<style>\r\n  .scoreCombined.finder-score::before {\r\n    display: none;\r\n  }\r\n\r\n  .score__container {\r\n    display: flex;\r\n    width: 100%;\r\n    flex-direction: column;\r\n    flex-flow: nowrap;\r\n    font-size: 18px;\r\n  }\r\n\r\n  .score__badge {\r\n    border-radius: 100px 16px 100px 100px;\r\n    border: none;\r\n    display: flex;\r\n    justify-content: center;\r\n    align-items: center;\r\n    height: 2.2rem;\r\n    width: 2.2rem;\r\n    background-image: linear-gradient(45deg,\r\n        transparent 25%,\r\n        rgba(255, 255, 255, 0.2) 50%,\r\n        transparent 75%,\r\n        transparent 100%);\r\n    background-size: 250% 250%, 100% 100%;\r\n    background-position: -100% 0, 0 0;\r\n    background-repeat: no-repeat;\r\n  }\r\n\r\n  .score__badge--excellent {\r\n    background-color: rgb(25, 105, 232);\r\n    box-shadow: rgba(18, 85, 208, 0.3) 0px 1.125px 6.75px 0px,\r\n      rgba(255, 255, 255, 0.25) 0px 4.5px 4.5px 0px inset,\r\n      rgba(255, 255, 255, 0.25) 0px 2.25px 0px 0px inset,\r\n      rgba(0, 0, 0, 0.2) 0px 0px 0px 1.125px inset,\r\n      rgb(25, 105, 232) 0px -2.25px 0px 0px inset;\r\n  }\r\n\r\n  .score__badge--great {\r\n    background-color: rgb(0, 120, 40);\r\n    box-shadow: rgba(18, 85, 208, 0.3) 0px 1.125px 6.75px 0px,\r\n      rgba(255, 255, 255, 0.25) 0px 4.5px 4.5px 0px inset,\r\n      rgba(255, 255, 255, 0.25) 0px 2.25px 0px 0px inset,\r\n      rgba(0, 0, 0, 0.2) 0px 0px 0px 1.125px inset,\r\n      rgb(0, 120, 40) 0px -2.25px 0px 0px inset;\r\n  }\r\n\r\n  .score__badge--standard {\r\n    background-color: rgb(231, 185, 11);\r\n    box-shadow: rgba(18, 85, 208, 0.3) 0px 1.125px 6.75px 0px,\r\n      rgba(255, 255, 255, 0.25) 0px 4.5px 4.5px 0px inset,\r\n      rgba(255, 255, 255, 0.25) 0px 2.25px 0px 0px inset,\r\n      rgba(0, 0, 0, 0.2) 0px 0px 0px 1.125px inset,\r\n      rgb(231, 185, 11) 0px -2.25px 0px 0px inset;\r\n  }\r\n\r\n  .score__badge--basic {\r\n    background-color: rgb(240, 88, 0);\r\n    box-shadow: rgba(18, 85, 208, 0.3) 0px 1.125px 6.75px 0px,\r\n      rgba(255, 255, 255, 0.25) 0px 4.5px 4.5px 0px inset,\r\n      rgba(255, 255, 255, 0.25) 0px 2.25px 0px 0px inset,\r\n      rgba(0, 0, 0, 0.2) 0px 0px 0px 1.125px inset,\r\n      rgb(240, 88, 0) 0px -2.25px 0px 0px inset;\r\n  }\r\n\r\n  .score__badge:hover {\r\n    animation: shine-effect 1.5s ease;\r\n  }\r\n\r\n  @keyframes shine-effect {\r\n    0% {\r\n      background-position: -100% 0, 0 0;\r\n    }\r\n\r\n    100% {\r\n      background-position: 200% 0, 0 0;\r\n    }\r\n  }\r\n\r\n  .score__value {\r\n    color: white;\r\n    font-weight: 700;\r\n  }\r\n\r\n  .score__text-wrapper-cards {\r\n    border: none;\r\n    align-items: center;\r\n    display: flex;\r\n    background-color: rgb(240 247 255);\r\n    padding: 0.25rem 0 0.25rem 0.875rem;\r\n    border-radius: 0 999px 999px 0;\r\n    margin-left: -0.375rem;\r\n    top: -4px;\r\n    width: 100%;\r\n    width: auto;\r\n    padding-right: 15px !important;\r\n  }\r\n\r\n  .score__text {\r\n    font-weight: 500;\r\n    font-size: 16px;\r\n    white-space: nowrap;\r\n  }\r\n\r\n  .scoreCombined {\r\n    text-decoration: none;\r\n  }\r\n\r\n  a.scoreCombined,\r\n  a.scoreCombined:hover {\r\n    text-decoration: none;\r\n  }\r\n\r\n  .score__text--excellent {\r\n    background-color: rgb(240 247 255);\r\n    color: rgb(18 85 208);\r\n  }\r\n\r\n  .score__text--great {\r\n    background-color: rgb(240 251 246);\r\n    color: rgb(0 120 40);\r\n  }\r\n\r\n  .score__text--standard {\r\n    background-color: rgb(255 251 227);\r\n    color: rgb(161 98 7);\r\n    padding-right: 0px;\r\n  }\r\n\r\n  .score__text--basic {\r\n    background-color: rgb(255, 234, 227);\r\n    color: rgb(240, 88, 0);\r\n    padding-right: 0px;\r\n  }\r\n\r\n  table div[class*=\"methodology-partial\"] {\r\n    display: none;\r\n  }\r\n<\/style>\r\n<style>\r\n  .deals--container {\r\n    display: flex;\r\n    flex-direction: column;\r\n    text-align: left;\r\n    padding: 0px 0px 8px 0px;\r\n  }\r\n  \r\n  .deals--rewards-container{\r\n    margin-bottom: 16px;\r\n  }\r\n\r\n  .deals--rewards {\r\n    background-color: #0a41ee;\r\n    border-radius: 12px;\r\n    padding: 12px;\r\n    color: white;\r\n    margin: 0 10px;\r\n    box-sizing: border-box;\r\n    p {\r\n          margin: 0;\r\n        }\r\n  }\r\n\r\n  .deals--rewards-tag {\r\n    display: inline-block;\r\n    background-color: white;\r\n    color: #1d53ff;\r\n    border-radius: 999px;\r\n    font-weight: 900;\r\n    font-size: 12px;\r\n    text-transform: uppercase;\r\n    margin-bottom: 8px;\r\n    box-sizing: border-box;\r\n    vertical-align: middle;\r\n    line-height: 1;\r\n    padding: 3px 8px 1px 8px;\r\n  }\r\n\r\n  .deals--rewards a:hover { color: unset; }\r\n  \r\n  .deals--rewards span {\r\n    font-size: 14px !important;\r\n    font-weight: 400;\r\n    line-height: 1.5;\r\n    color: white;\r\n    display: block;\r\n  }\r\n\r\n  .deals--rewards span b {\r\n    font-size: 14px !important;\r\n    font-weight: 800;\r\n    display: block;\r\n    line-height: 1.2;\r\n    margin-bottom: 4px;\r\n  }\r\n\r\n  .deals--rewards-terms {\r\n    font-size: 14px;\r\n    color: #232320;\r\n    margin-left: 10px;\r\n    margin-right: 10px;\r\n    margin-top: -2px;\r\n    font-weight: 400;\r\n    text-decoration: underline;\r\n    font-variant-numeric: lining-nums tabular-nums;\r\n  }\r\n<\/style><h3 id=\"simplii\">Best joint chequing account<\/h3><article class=\"luna-card luna-card--border\">\r\n  <div class=\"luna-card__block\">\r\n    \r\n  \t\r\n  \t\r\n    \r\n    \r\n    <div class=\"u-grid u-grid--alignTop\">\r\n      <div class=\"u-grid__col u-1\/4@m \" style=\"padding-bottom: 0px;\" data-product-id=\"bc9cfba9-5ce5-4aae-88de-f139bcac33e0\" data-product-name=\"Simplii No Fee Chequing Account\" data-niche=\"Chequing Accounts\" data-provider-name=\"Simplii Financial\" data-rewards-campaign-name=\"\">\r\n        <center><img decoding=\"async\" data-src=\"https:\/\/www.finder.com\/niche-builder\/648fb6a2b788d.png\" class=\"lazy-load\" alt=\"Simplii No Fee Chequing Account\" src=\"https:\/\/www.finder.com\/niche-builder\/648fb6a2b788d.png\" style=\"width: 100%; max-width: 200px;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/648fb6a2b788d.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/648fb6a2b788d.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/648fb6a2b788d.png?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\" loading=\"lazy\"><\/center>\r\n        <div class=\"has-padding-xsmall\"><\/div>\r\n\r\n        \r\n        <center>\r\n          <div class=\"detail-info bc9cfba9-5ce5-4aae-88de-f139bcac33e0\" style=\"cursor: pointer; z-index: 1;position: relative; margin-bottom: 1rem; display: inline-flex;\">\r\n            \r\n\r\n            \r\n            \r\n            \r\n            <a class=\"scoreCombined score__container finder-score\">\r\n              <span class=\"score__badge score__badge--great\">\r\n                <span class=\"score__value\">8.5<\/span>\r\n              <\/span>\r\n              <span class=\"score__text-wrapper score__text score__text--great\">\r\n                Great\r\n              <\/span>\r\n            <\/a>\r\n            \r\n          <\/div>\r\n        <\/center>\r\n\r\n\r\n        <a class=\"luna-button luna-button--success luna-button--fluid has-margin-top-xsmall rewards--cta\" href=\"https:\/\/www.finder.com\/redirect\/ca\/chequing-accounts\/simplii-no-fee-chequing-account-ca-chequing-accounts-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22bc9cfba9-5ce5-4aae-88de-f139bcac33e0%22%2C%22product_name%22%3A%22Simplii%2BNo%2BFee%2BChequing%2BAccount%22%2C%22offer_id%22%3A%2221492%22%2C%22decorator%22%3A%22CAFSA-CHQ.PRODUCT.MISC_PRODUCT_DISPLAY_V2%22%2C%22niche_code%22%3A%22CAFSA-CHQ%22%2C%22post_id%22%3A%22786751%22%2C%22post_path%22%3A%22banking%252Fjoint-bank-accounts%22%2C%22post_country%22%3A%22ca%22%7D\" target=\"_blank\" type=\"button\">Go to site<\/a>\r\n        <a class=\"luna-button luna-button--action luna-button--ghost luna-button--fluid\" href=\"https:\/\/www.finder.com\/ca\/banking\/simplii-financial-review\/simplii-financial-no-fee-chequing-account\" role=\"button\">Read review<\/a>\r\n      <\/div>\r\n      <div class=\"u-grid__col u-3\/4@m\" style=\"padding-bottom: 0px;\">\r\n        <div class=\"\u201chas-padding-xsmall\u201d\"><\/div>\r\n        <h4 id=\"bc9cfba9-5ce5-4aae-88de-f139bcac33e0\" class=\"luna-card__title\" style=\"padding-bottom: 10px; font-size: 20px;\"><b>Simplii No Fee Chequing Account<\/b><\/h4>\r\n\r\n        \r\n        <div class=\"u-grid u-grid--alignMiddle\">\r\n          <div class=\"u-grid__col u-1\/3@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n            <span style=\"font-size: 25px; font-weight: 900; color: #1D53FF;\"><b>Earn $300 and a $50 Skip gift card<\/b><span class=\"table-popover\" rel=\"popover\" data-content=\"&lt;b&gt;Earn $300&lt;\/b&gt; and a $50 Skip gift card when you become a new client and set up a direct deposit of at least $100 for 3 months. &lt;b&gt;Offer ends September 30, 2026.&lt;\/b&gt;\" title=\"\" data-original-title=\"More info\">\r\n              \r\n            <\/span>\r\n            <br>\r\n            <span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative; top: -8px;\">Bonus\r\n              Offer<\/span>\r\n\r\n          <\/span><\/div>\r\n          <div class=\"u-grid__col u-1\/3@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n            <span style=\"font-size: 25px; font-weight: 900; color: #1D53FF;\">$0\r\n              \r\n            <\/span>\r\n            <br>\r\n            <span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative; top: -8px;\">Monthly\r\n              Account Fee<\/span>\r\n\r\n          <\/div>\r\n          <div class=\"u-grid__col u-1\/3@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n            <span style=\"font-size: 25px; font-weight: 900; color: #1D53FF;\">unlimited\r\n              \r\n            <\/span>\r\n            <br>\r\n            <span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative; top: -8px;\">Free\r\n              Transactions<\/span>\r\n\r\n          <\/div>\r\n        <\/div>\r\n\r\n        \r\n\r\n        <div class=\"has-overflow-auto luna-tabs\" style=\"margin: 0rem;\">\r\n          <ul class=\"luna-tabs__list\">\r\n            <li class=\"active luna-tab\"><a class=\"luna-tab__action\" href=\"#pb-tabname0-bc9cfba9-5ce5-4aae-88de-f139bcac33e0-1\" data-toggle=\"tab\">Info<\/a><\/li>\r\n            \r\n            <li class=\"luna-tab\"><a class=\"luna-tab__action\" href=\"#pb-tabname1-bc9cfba9-5ce5-4aae-88de-f139bcac33e0-1\" data-toggle=\"tab\">Pros + Cons<\/a><\/li>\r\n            \r\n            <li class=\"luna-tab\"><a class=\"luna-tab__action\" href=\"#pb-tabname2-bc9cfba9-5ce5-4aae-88de-f139bcac33e0-1\" data-toggle=\"tab\">More Details<\/a><\/li>\r\n          <\/ul>\r\n\r\n          <div class=\"tab-content\">\r\n            \r\n            <div class=\"tab-pane active\" id=\"pb-tabname0-bc9cfba9-5ce5-4aae-88de-f139bcac33e0-1\">\r\n              <div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n                <div class=\"has-padding-xsmall\"><\/div>\r\n                \r\n                <div class=\"has-padding-xsmall\"><\/div>\r\n                The fully digital Simplii No Fee Chequing Account comes with no monthly account fee, no transaction fees, no e-Transfer fees, no minimum deposit requirements and a chance to earn interest on your account balance, and a debit card. You can open this joint account with one other person. Plus, you can pair this best pick with the no-fee Simplii High Interest Savings Account to earn more on your savings.\r\n              <\/div>\r\n            <\/div>\r\n\r\n            \r\n            \r\n            <div class=\"tab-pane\" id=\"pb-tabname1-bc9cfba9-5ce5-4aae-88de-f139bcac33e0-1\">\r\n              <div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n                <div class=\"has-padding-xsmall\"><\/div>\r\n                <div class=\"u-grid u-grid--gutterCollapse\" style=\"margin: 0px;\">\r\n                  <div class=\"u-grid__col u-1\/2@m\">\r\n                    \r\n                    <ul class=\"list-1\">\r\n                      \r\n                      <li>Earn a welcome bonus of up to $300 and a $50 Skip gift card<\/li>\r\n                      \r\n                      <li>Enjoy unlimited free transactions and e-Transfers<\/li>\r\n                      \r\n                      <li>No monthly account fee<\/li>\r\n                      \r\n                      <li>Earn 0.01% interest on your balance<\/li>\r\n                      \r\n                      <li>No minimum deposit requirements<\/li>\r\n                      \r\n                      <li>Earn a referral bonus<\/li>\r\n                      \r\n                    <\/ul>\r\n                    \r\n                  <\/div>\r\n                  <div class=\"u-grid__col u-1\/2@m\">\r\n                    \r\n                    <ul class=\"list-12\">\r\n                      \r\n                      <li>Simplii is an online only provider<\/li>\r\n                      \r\n                      <li>You can only earn the welcome bonus if you're a new Simplii customer<\/li>\r\n                      \r\n                      <li>Residents of Quebec cannot open a Simplii account<\/li>\r\n                      \r\n                    <\/ul>\r\n                    \r\n                  <\/div>\r\n                <\/div>\r\n              <\/div>\r\n            <\/div>\r\n            \r\n\r\n            \r\n            <div class=\"tab-pane\" id=\"pb-tabname2-bc9cfba9-5ce5-4aae-88de-f139bcac33e0-1\">\r\n              <div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n\r\n                \r\n <table class=\"luna-table\" style=\"border: 0px;\">\r\n  <tbody class=\"luna-table__body\">\r\n    \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Monthly Account Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$0<\/span>\r\n    <\/td>\r\n  <\/tr>\r\n    \r\n        \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Free Transactions<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">unlimited<\/span>\r\n    <\/td>\r\n  <\/tr>\r\n        \r\n            \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Interac e-Transfer Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$0<\/span>\r\n      <\/td>\r\n  <\/tr>\r\n            \r\n                \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">In-Network ATM Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$0<\/span>\r\n      <\/td>\r\n  <\/tr>\r\n                \r\n                \r\n        <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">NSF Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$10<\/span>\r\n          <\/td>\r\n  <\/tr>\r\n                    \r\n                    \r\n                    \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">CDIC Deposit Insurance<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$100,000<\/span>\r\n      <\/td>\r\n  <\/tr>\r\n                            \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Bonus Offer<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\"><b>Earn $300 and a $50 Skip gift card<\/b><span class=\"table-popover\" rel=\"popover\" data-content=\"&lt;b&gt;Earn $300&lt;\/b&gt; and a $50 Skip gift card when you become a new client and set up a direct deposit of at least $100 for 3 months. &lt;b&gt;Offer ends September 30, 2026.&lt;\/b&gt;\" title=\"\" data-original-title=\"More info\">\r\n               <\/span>\r\n      <\/span><\/td>\r\n  <\/tr>\r\n  <\/tbody>\r\n<\/table>               \r\n                \r\n    <\/div>\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/article>\r\n\r\n\r\n\r\n\r\n<style>\r\n  .no-cta-button {\r\n    font-weight: bold;\r\n    font-size: 18px;\r\n    color: #00ba9c;\r\n    text-decoration: underline;\r\n    text-align: center;\r\n    margin-top: 0 !important;\r\n    width: 100%;\r\n  }\r\n\r\n  .no-cta-button:hover {\r\n    color: #4dceb9;\r\n  }\r\n<\/style>\r\n\r\n<style>\r\n  .scoreCombined.finder-score::before {\r\n    display: none;\r\n  }\r\n\r\n  .score__container {\r\n    display: flex;\r\n    width: 100%;\r\n    flex-direction: column;\r\n    flex-flow: nowrap;\r\n    font-size: 18px;\r\n  }\r\n\r\n  .score__badge {\r\n    border-radius: 100px 16px 100px 100px;\r\n    border: none;\r\n    display: flex;\r\n    justify-content: center;\r\n    align-items: center;\r\n    height: 2.2rem;\r\n    width: 2.2rem;\r\n    background-image: linear-gradient(45deg,\r\n        transparent 25%,\r\n        rgba(255, 255, 255, 0.2) 50%,\r\n        transparent 75%,\r\n        transparent 100%);\r\n    background-size: 250% 250%, 100% 100%;\r\n    background-position: -100% 0, 0 0;\r\n    background-repeat: no-repeat;\r\n  }\r\n\r\n  .score__badge--excellent {\r\n    background-color: rgb(25, 105, 232);\r\n    box-shadow: rgba(18, 85, 208, 0.3) 0px 1.125px 6.75px 0px,\r\n      rgba(255, 255, 255, 0.25) 0px 4.5px 4.5px 0px inset,\r\n      rgba(255, 255, 255, 0.25) 0px 2.25px 0px 0px inset,\r\n      rgba(0, 0, 0, 0.2) 0px 0px 0px 1.125px inset,\r\n      rgb(25, 105, 232) 0px -2.25px 0px 0px inset;\r\n  }\r\n\r\n  .score__badge--great {\r\n    background-color: rgb(0, 120, 40);\r\n    box-shadow: rgba(18, 85, 208, 0.3) 0px 1.125px 6.75px 0px,\r\n      rgba(255, 255, 255, 0.25) 0px 4.5px 4.5px 0px inset,\r\n      rgba(255, 255, 255, 0.25) 0px 2.25px 0px 0px inset,\r\n      rgba(0, 0, 0, 0.2) 0px 0px 0px 1.125px inset,\r\n      rgb(0, 120, 40) 0px -2.25px 0px 0px inset;\r\n  }\r\n\r\n  .score__badge--standard {\r\n    background-color: rgb(231, 185, 11);\r\n    box-shadow: rgba(18, 85, 208, 0.3) 0px 1.125px 6.75px 0px,\r\n      rgba(255, 255, 255, 0.25) 0px 4.5px 4.5px 0px inset,\r\n      rgba(255, 255, 255, 0.25) 0px 2.25px 0px 0px inset,\r\n      rgba(0, 0, 0, 0.2) 0px 0px 0px 1.125px inset,\r\n      rgb(231, 185, 11) 0px -2.25px 0px 0px inset;\r\n  }\r\n\r\n  .score__badge--basic {\r\n    background-color: rgb(240, 88, 0);\r\n    box-shadow: rgba(18, 85, 208, 0.3) 0px 1.125px 6.75px 0px,\r\n      rgba(255, 255, 255, 0.25) 0px 4.5px 4.5px 0px inset,\r\n      rgba(255, 255, 255, 0.25) 0px 2.25px 0px 0px inset,\r\n      rgba(0, 0, 0, 0.2) 0px 0px 0px 1.125px inset,\r\n      rgb(240, 88, 0) 0px -2.25px 0px 0px inset;\r\n  }\r\n\r\n  .score__badge:hover {\r\n    animation: shine-effect 1.5s ease;\r\n  }\r\n\r\n  @keyframes shine-effect {\r\n    0% {\r\n      background-position: -100% 0, 0 0;\r\n    }\r\n\r\n    100% {\r\n      background-position: 200% 0, 0 0;\r\n    }\r\n  }\r\n\r\n  .score__value {\r\n    color: white;\r\n    font-weight: 700;\r\n  }\r\n\r\n  .score__text-wrapper-cards {\r\n    border: none;\r\n    align-items: center;\r\n    display: flex;\r\n    background-color: rgb(240 247 255);\r\n    padding: 0.25rem 0 0.25rem 0.875rem;\r\n    border-radius: 0 999px 999px 0;\r\n    margin-left: -0.375rem;\r\n    top: -4px;\r\n    width: 100%;\r\n    width: auto;\r\n    padding-right: 15px !important;\r\n  }\r\n\r\n  .score__text {\r\n    font-weight: 500;\r\n    font-size: 16px;\r\n    white-space: nowrap;\r\n  }\r\n\r\n  .scoreCombined {\r\n    text-decoration: none;\r\n  }\r\n\r\n  a.scoreCombined,\r\n  a.scoreCombined:hover {\r\n    text-decoration: none;\r\n  }\r\n\r\n  .score__text--excellent {\r\n    background-color: rgb(240 247 255);\r\n    color: rgb(18 85 208);\r\n  }\r\n\r\n  .score__text--great {\r\n    background-color: rgb(240 251 246);\r\n    color: rgb(0 120 40);\r\n  }\r\n\r\n  .score__text--standard {\r\n    background-color: rgb(255 251 227);\r\n    color: rgb(161 98 7);\r\n    padding-right: 0px;\r\n  }\r\n\r\n  .score__text--basic {\r\n    background-color: rgb(255, 234, 227);\r\n    color: rgb(240, 88, 0);\r\n    padding-right: 0px;\r\n  }\r\n\r\n  table div[class*=\"methodology-partial\"] {\r\n    display: none;\r\n  }\r\n<\/style>\r\n<style>\r\n  .deals--container {\r\n    display: flex;\r\n    flex-direction: column;\r\n    text-align: left;\r\n    padding: 0px 0px 8px 0px;\r\n  }\r\n  \r\n  .deals--rewards-container{\r\n    margin-bottom: 16px;\r\n  }\r\n\r\n  .deals--rewards {\r\n    background-color: #0a41ee;\r\n    border-radius: 12px;\r\n    padding: 12px;\r\n    color: white;\r\n    margin: 0 10px;\r\n    box-sizing: border-box;\r\n    p {\r\n          margin: 0;\r\n        }\r\n  }\r\n\r\n  .deals--rewards-tag {\r\n    display: inline-block;\r\n    background-color: white;\r\n    color: #1d53ff;\r\n    border-radius: 999px;\r\n    font-weight: 900;\r\n    font-size: 12px;\r\n    text-transform: uppercase;\r\n    margin-bottom: 8px;\r\n    box-sizing: border-box;\r\n    vertical-align: middle;\r\n    line-height: 1;\r\n    padding: 3px 8px 1px 8px;\r\n  }\r\n\r\n  .deals--rewards a:hover { color: unset; }\r\n  \r\n  .deals--rewards span {\r\n    font-size: 14px !important;\r\n    font-weight: 400;\r\n    line-height: 1.5;\r\n    color: white;\r\n    display: block;\r\n  }\r\n\r\n  .deals--rewards span b {\r\n    font-size: 14px !important;\r\n    font-weight: 800;\r\n    display: block;\r\n    line-height: 1.2;\r\n    margin-bottom: 4px;\r\n  }\r\n\r\n  .deals--rewards-terms {\r\n    font-size: 14px;\r\n    color: #232320;\r\n    margin-left: 10px;\r\n    margin-right: 10px;\r\n    margin-top: -2px;\r\n    font-weight: 400;\r\n    text-decoration: underline;\r\n    font-variant-numeric: lining-nums tabular-nums;\r\n  }\r\n<\/style><h3 id=\"wealthsimple\">Best joint account for unmarried couples<\/h3><article class=\"luna-card luna-card--border\">\r\n  <div class=\"luna-card__block\">\r\n    \r\n  \t\r\n  \t\r\n    \r\n    \r\n    <div class=\"u-grid u-grid--alignTop\">\r\n      <div class=\"u-grid__col u-1\/4@m \" style=\"padding-bottom: 0px;\" data-product-id=\"4c07df48-2ceb-49f3-ade0-a5954ce97a0c\" data-product-name=\"Wealthsimple Chequing Account\" data-niche=\"Chequing Accounts\" data-provider-name=\"Wealthsimple\" data-rewards-campaign-name=\"\">\r\n        <center><img decoding=\"async\" data-src=\"https:\/\/www.finder.com\/niche-builder\/67649217dc765.jpg\" class=\"lazy-load\" alt=\"Wealthsimple Chequing Account\" src=\"https:\/\/www.finder.com\/niche-builder\/67649217dc765.jpg\" style=\"width: 100%; max-width: 200px;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/67649217dc765.jpg?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/67649217dc765.jpg?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/67649217dc765.jpg?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\" loading=\"lazy\"><\/center>\r\n        <div class=\"has-padding-xsmall\"><\/div>\r\n\r\n        \r\n        <center>\r\n          <div class=\"detail-info 4c07df48-2ceb-49f3-ade0-a5954ce97a0c\" style=\"cursor: pointer; z-index: 1;position: relative; margin-bottom: 1rem; display: inline-flex;\">\r\n            \r\n\r\n            \r\n            \r\n            \r\n            <a class=\"scoreCombined score__container finder-score\">\r\n              <span class=\"score__badge score__badge--excellent\">\r\n                <span class=\"score__value\">9.3<\/span>\r\n              <\/span>\r\n              <span class=\"score__text-wrapper score__text score__text--excellent\">\r\n                Excellent\r\n              <\/span>\r\n            <\/a>\r\n            \r\n          <\/div>\r\n        <\/center>\r\n\r\n\r\n        <a class=\"luna-button luna-button--success luna-button--fluid has-margin-top-xsmall rewards--cta\" href=\"https:\/\/www.finder.com\/redirect\/ca\/chequing-accounts\/wealthsimple-cash-ca-savings-account-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%224c07df48-2ceb-49f3-ade0-a5954ce97a0c%22%2C%22product_name%22%3A%22Wealthsimple%2BChequing%2BAccount%22%2C%22offer_id%22%3A%2227030%22%2C%22decorator%22%3A%22CAFSA-CHQ.PRODUCT.MISC_PRODUCT_DISPLAY_V2%22%2C%22niche_code%22%3A%22CAFSA-CHQ%22%2C%22post_id%22%3A%22786751%22%2C%22post_path%22%3A%22banking%252Fjoint-bank-accounts%22%2C%22post_country%22%3A%22ca%22%7D\" target=\"_blank\" type=\"button\">Go to site<\/a>\r\n        <a class=\"luna-button luna-button--action luna-button--ghost luna-button--fluid\" href=\"https:\/\/www.finder.com\/ca\/digital-banking\/wealthsimple-chequing-account-review\" role=\"button\">Read review<\/a>\r\n      <\/div>\r\n      <div class=\"u-grid__col u-3\/4@m\" style=\"padding-bottom: 0px;\">\r\n        <div class=\"\u201chas-padding-xsmall\u201d\"><\/div>\r\n        <h4 id=\"4c07df48-2ceb-49f3-ade0-a5954ce97a0c\" class=\"luna-card__title\" style=\"padding-bottom: 10px; font-size: 20px;\"><b>Wealthsimple Chequing Account<\/b><\/h4>\r\n\r\n        \r\n        <div class=\"u-grid u-grid--alignMiddle\">\r\n          <div class=\"u-grid__col u-1\/3@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n            <span style=\"font-size: 25px; font-weight: 900; color: #1D53FF;\"><b>Earn up to 2.25% interest<\/b><span class=\"table-popover\" rel=\"popover\" data-content=\"Earn between 1.25% and 2.25% on your account balance\" title=\"\" data-original-title=\"More info\">\r\n              \r\n            <\/span>\r\n            <br>\r\n            <span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative; top: -8px;\">Bonus\r\n              Offer<\/span>\r\n\r\n          <\/span><\/div>\r\n          <div class=\"u-grid__col u-1\/3@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n            <span style=\"font-size: 25px; font-weight: 900; color: #1D53FF;\">$0\r\n              \r\n            <\/span>\r\n            <br>\r\n            <span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative; top: -8px;\">Monthly\r\n              Account Fee<\/span>\r\n\r\n          <\/div>\r\n          <div class=\"u-grid__col u-1\/3@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n            <span style=\"font-size: 25px; font-weight: 900; color: #1D53FF;\">unlimited\r\n              \r\n            <\/span>\r\n            <br>\r\n            <span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative; top: -8px;\">Free\r\n              Transactions<\/span>\r\n\r\n          <\/div>\r\n        <\/div>\r\n\r\n        \r\n\r\n        <div class=\"has-overflow-auto luna-tabs\" style=\"margin: 0rem;\">\r\n          <ul class=\"luna-tabs__list\">\r\n            <li class=\"active luna-tab\"><a class=\"luna-tab__action\" href=\"#pb-tabname0-4c07df48-2ceb-49f3-ade0-a5954ce97a0c-1\" data-toggle=\"tab\">Info<\/a><\/li>\r\n            \r\n            <li class=\"luna-tab\"><a class=\"luna-tab__action\" href=\"#pb-tabname1-4c07df48-2ceb-49f3-ade0-a5954ce97a0c-1\" data-toggle=\"tab\">Pros + Cons<\/a><\/li>\r\n            \r\n            <li class=\"luna-tab\"><a class=\"luna-tab__action\" href=\"#pb-tabname2-4c07df48-2ceb-49f3-ade0-a5954ce97a0c-1\" data-toggle=\"tab\">More Details<\/a><\/li>\r\n          <\/ul>\r\n\r\n          <div class=\"tab-content\">\r\n            \r\n            <div class=\"tab-pane active\" id=\"pb-tabname0-4c07df48-2ceb-49f3-ade0-a5954ce97a0c-1\">\r\n              <div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n                <div class=\"has-padding-xsmall\"><\/div>\r\n                \r\n                <div class=\"has-padding-xsmall\"><\/div>\r\n                Wealthsimple offers a no-fee chequing account with all the benefits of a high-interest savings account. You can open a Joint Cash Account and easily manage it alongside your partner. Perks include earning  1.75% to 2.25% interest (depending on the total value of your assets held with Wealthsimple), being able to access your pay a day early, CDIC deposit insurance of up to $1,000,000, and the ability to earn 1% cash back in stock or cash when you make a purchase with your card. And if you want to invest your savings, you can trade stocks, ETFs, options and more through your other Wealthsimple accounts.\r\n              <\/div>\r\n            <\/div>\r\n\r\n            \r\n            \r\n            <div class=\"tab-pane\" id=\"pb-tabname1-4c07df48-2ceb-49f3-ade0-a5954ce97a0c-1\">\r\n              <div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n                <div class=\"has-padding-xsmall\"><\/div>\r\n                <div class=\"u-grid u-grid--gutterCollapse\" style=\"margin: 0px;\">\r\n                  <div class=\"u-grid__col u-1\/2@m\">\r\n                    \r\n                    <ul class=\"list-1\">\r\n                      \r\n                      <li>No monthly fees<\/li>\r\n                      \r\n                      <li>Earn up to 2.25% interest on your account balance<\/li>\r\n                      \r\n                      <li> Unlimited free transfers<\/li>\r\n                      \r\n                      <li> No minimum balance<\/li>\r\n                      \r\n                      <li>Access to $0 commission stock trading<\/li>\r\n                      \r\n                    <\/ul>\r\n                    \r\n                  <\/div>\r\n                  <div class=\"u-grid__col u-1\/2@m\">\r\n                    \r\n                    <ul class=\"list-12\">\r\n                      \r\n                      <li>No free ATM access (fee typically $3\/withdrawal)<\/li>\r\n                      \r\n                      <li>Fees apply to managed investment accounts<\/li>\r\n                      \r\n                    <\/ul>\r\n                    \r\n                  <\/div>\r\n                <\/div>\r\n              <\/div>\r\n            <\/div>\r\n            \r\n\r\n            \r\n            <div class=\"tab-pane\" id=\"pb-tabname2-4c07df48-2ceb-49f3-ade0-a5954ce97a0c-1\">\r\n              <div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n\r\n                \r\n <table class=\"luna-table\" style=\"border: 0px;\">\r\n  <tbody class=\"luna-table__body\">\r\n    \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Monthly Account Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$0<\/span>\r\n    <\/td>\r\n  <\/tr>\r\n    \r\n        \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Free Transactions<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">unlimited<\/span>\r\n    <\/td>\r\n  <\/tr>\r\n        \r\n            \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Interac e-Transfer Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$0<\/span>\r\n      <\/td>\r\n  <\/tr>\r\n            \r\n                \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">In-Network ATM Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$0<\/span>\r\n      <\/td>\r\n  <\/tr>\r\n                \r\n                \r\n        <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">NSF Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$0<\/span>\r\n          <\/td>\r\n  <\/tr>\r\n                    \r\n                    \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Foreign Transaction Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">0%<\/span>\r\n      <\/td>\r\n  <\/tr>\r\n                        \r\n                    \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">CDIC Deposit Insurance<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$1,000,000<\/span>\r\n      <\/td>\r\n  <\/tr>\r\n                            \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Bonus Offer<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\"><b>Earn up to 2.25% interest<\/b><span class=\"table-popover\" rel=\"popover\" data-content=\"Earn between 1.25% and 2.25% on your account balance\" title=\"\" data-original-title=\"More info\">\r\n               <\/span>\r\n      <\/span><\/td>\r\n  <\/tr>\r\n  <\/tbody>\r\n<\/table>               \r\n                \r\n    <\/div>\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/article>\r\n\r\n\r\n\r\n\r\n<style>\r\n  .no-cta-button {\r\n    font-weight: bold;\r\n    font-size: 18px;\r\n    color: #00ba9c;\r\n    text-decoration: underline;\r\n    text-align: center;\r\n    margin-top: 0 !important;\r\n    width: 100%;\r\n  }\r\n\r\n  .no-cta-button:hover {\r\n    color: #4dceb9;\r\n  }\r\n<\/style>\r\n\r\n<style>\r\n  .scoreCombined.finder-score::before {\r\n    display: none;\r\n  }\r\n\r\n  .score__container {\r\n    display: flex;\r\n    width: 100%;\r\n    flex-direction: column;\r\n    flex-flow: nowrap;\r\n    font-size: 18px;\r\n  }\r\n\r\n  .score__badge {\r\n    border-radius: 100px 16px 100px 100px;\r\n    border: none;\r\n    display: flex;\r\n    justify-content: center;\r\n    align-items: center;\r\n    height: 2.2rem;\r\n    width: 2.2rem;\r\n    background-image: linear-gradient(45deg,\r\n        transparent 25%,\r\n        rgba(255, 255, 255, 0.2) 50%,\r\n        transparent 75%,\r\n        transparent 100%);\r\n    background-size: 250% 250%, 100% 100%;\r\n    background-position: -100% 0, 0 0;\r\n    background-repeat: no-repeat;\r\n  }\r\n\r\n  .score__badge--excellent {\r\n    background-color: rgb(25, 105, 232);\r\n    box-shadow: rgba(18, 85, 208, 0.3) 0px 1.125px 6.75px 0px,\r\n      rgba(255, 255, 255, 0.25) 0px 4.5px 4.5px 0px inset,\r\n      rgba(255, 255, 255, 0.25) 0px 2.25px 0px 0px inset,\r\n      rgba(0, 0, 0, 0.2) 0px 0px 0px 1.125px inset,\r\n      rgb(25, 105, 232) 0px -2.25px 0px 0px inset;\r\n  }\r\n\r\n  .score__badge--great {\r\n    background-color: rgb(0, 120, 40);\r\n    box-shadow: rgba(18, 85, 208, 0.3) 0px 1.125px 6.75px 0px,\r\n      rgba(255, 255, 255, 0.25) 0px 4.5px 4.5px 0px inset,\r\n      rgba(255, 255, 255, 0.25) 0px 2.25px 0px 0px inset,\r\n      rgba(0, 0, 0, 0.2) 0px 0px 0px 1.125px inset,\r\n      rgb(0, 120, 40) 0px -2.25px 0px 0px inset;\r\n  }\r\n\r\n  .score__badge--standard {\r\n    background-color: rgb(231, 185, 11);\r\n    box-shadow: rgba(18, 85, 208, 0.3) 0px 1.125px 6.75px 0px,\r\n      rgba(255, 255, 255, 0.25) 0px 4.5px 4.5px 0px inset,\r\n      rgba(255, 255, 255, 0.25) 0px 2.25px 0px 0px inset,\r\n      rgba(0, 0, 0, 0.2) 0px 0px 0px 1.125px inset,\r\n      rgb(231, 185, 11) 0px -2.25px 0px 0px inset;\r\n  }\r\n\r\n  .score__badge--basic {\r\n    background-color: rgb(240, 88, 0);\r\n    box-shadow: rgba(18, 85, 208, 0.3) 0px 1.125px 6.75px 0px,\r\n      rgba(255, 255, 255, 0.25) 0px 4.5px 4.5px 0px inset,\r\n      rgba(255, 255, 255, 0.25) 0px 2.25px 0px 0px inset,\r\n      rgba(0, 0, 0, 0.2) 0px 0px 0px 1.125px inset,\r\n      rgb(240, 88, 0) 0px -2.25px 0px 0px inset;\r\n  }\r\n\r\n  .score__badge:hover {\r\n    animation: shine-effect 1.5s ease;\r\n  }\r\n\r\n  @keyframes shine-effect {\r\n    0% {\r\n      background-position: -100% 0, 0 0;\r\n    }\r\n\r\n    100% {\r\n      background-position: 200% 0, 0 0;\r\n    }\r\n  }\r\n\r\n  .score__value {\r\n    color: white;\r\n    font-weight: 700;\r\n  }\r\n\r\n  .score__text-wrapper-cards {\r\n    border: none;\r\n    align-items: center;\r\n    display: flex;\r\n    background-color: rgb(240 247 255);\r\n    padding: 0.25rem 0 0.25rem 0.875rem;\r\n    border-radius: 0 999px 999px 0;\r\n    margin-left: -0.375rem;\r\n    top: -4px;\r\n    width: 100%;\r\n    width: auto;\r\n    padding-right: 15px !important;\r\n  }\r\n\r\n  .score__text {\r\n    font-weight: 500;\r\n    font-size: 16px;\r\n    white-space: nowrap;\r\n  }\r\n\r\n  .scoreCombined {\r\n    text-decoration: none;\r\n  }\r\n\r\n  a.scoreCombined,\r\n  a.scoreCombined:hover {\r\n    text-decoration: none;\r\n  }\r\n\r\n  .score__text--excellent {\r\n    background-color: rgb(240 247 255);\r\n    color: rgb(18 85 208);\r\n  }\r\n\r\n  .score__text--great {\r\n    background-color: rgb(240 251 246);\r\n    color: rgb(0 120 40);\r\n  }\r\n\r\n  .score__text--standard {\r\n    background-color: rgb(255 251 227);\r\n    color: rgb(161 98 7);\r\n    padding-right: 0px;\r\n  }\r\n\r\n  .score__text--basic {\r\n    background-color: rgb(255, 234, 227);\r\n    color: rgb(240, 88, 0);\r\n    padding-right: 0px;\r\n  }\r\n\r\n  table div[class*=\"methodology-partial\"] {\r\n    display: none;\r\n  }\r\n<\/style>\r\n<style>\r\n  .deals--container {\r\n    display: flex;\r\n    flex-direction: column;\r\n    text-align: left;\r\n    padding: 0px 0px 8px 0px;\r\n  }\r\n  \r\n  .deals--rewards-container{\r\n    margin-bottom: 16px;\r\n  }\r\n\r\n  .deals--rewards {\r\n    background-color: #0a41ee;\r\n    border-radius: 12px;\r\n    padding: 12px;\r\n    color: white;\r\n    margin: 0 10px;\r\n    box-sizing: border-box;\r\n    p {\r\n          margin: 0;\r\n        }\r\n  }\r\n\r\n  .deals--rewards-tag {\r\n    display: inline-block;\r\n    background-color: white;\r\n    color: #1d53ff;\r\n    border-radius: 999px;\r\n    font-weight: 900;\r\n    font-size: 12px;\r\n    text-transform: uppercase;\r\n    margin-bottom: 8px;\r\n    box-sizing: border-box;\r\n    vertical-align: middle;\r\n    line-height: 1;\r\n    padding: 3px 8px 1px 8px;\r\n  }\r\n\r\n  .deals--rewards a:hover { color: unset; }\r\n  \r\n  .deals--rewards span {\r\n    font-size: 14px !important;\r\n    font-weight: 400;\r\n    line-height: 1.5;\r\n    color: white;\r\n    display: block;\r\n  }\r\n\r\n  .deals--rewards span b {\r\n    font-size: 14px !important;\r\n    font-weight: 800;\r\n    display: block;\r\n    line-height: 1.2;\r\n    margin-bottom: 4px;\r\n  }\r\n\r\n  .deals--rewards-terms {\r\n    font-size: 14px;\r\n    color: #232320;\r\n    margin-left: 10px;\r\n    margin-right: 10px;\r\n    margin-top: -2px;\r\n    font-weight: 400;\r\n    text-decoration: underline;\r\n    font-variant-numeric: lining-nums tabular-nums;\r\n  }\r\n<\/style><h3 id=\"pc\">Best joint account for earning interest and spending<\/h3><article class=\"luna-card luna-card--border\">\r\n<div class=\"luna-card__block\">\r\n    \r\n  \t\r\n  \t\r\n    \r\n\r\n<div class=\"u-grid u-grid--alignTop\">\r\n     <div class=\"u-grid__col u-1\/4@m \" style=\"padding-bottom: 0px;\" data-product-id=\"bb95a0b7-0969-4b2f-bb94-0be4d76b8d67\" data-product-name=\"PC Money Account\" data-niche=\"Savings Accounts\" data-provider-name=\"PC Financial\" data-rewards-campaign-name=\"\">\r\n<center><img decoding=\"async\" data-src=\"https:\/\/www.finder.com\/niche-builder\/670836e449f87.png\" class=\"lazy-load\" alt=\"PC Money Account\" src=\"https:\/\/www.finder.com\/niche-builder\/670836e449f87.png\" style=\"width: 100%; max-width: 200px;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/670836e449f87.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/670836e449f87.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/670836e449f87.png?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\" loading=\"lazy\"><\/center>\r\n            \r\n<center>\r\n<div class=\"detail-info bb95a0b7-0969-4b2f-bb94-0be4d76b8d67\" style=\"cursor: pointer; z-index: 1;position: relative; margin-bottom: 1rem; display: inline-flex;\">\r\n  \r\n\r\n    \r\n      \r\n    \r\n    <a class=\"scoreCombined score__container finder-score\">\r\n      <span class=\"score__badge score__badge--excellent\">\r\n        <span class=\"score__value\">9.3<\/span>\r\n      <\/span>\r\n      <span class=\"score__text-wrapper score__text score__text--excellent\">\r\n        Excellent\r\n      <\/span>\r\n    <\/a>\r\n  \r\n<\/div>    \r\n  <\/center>\r\n  \r\n  <a class=\"luna-button luna-button--action luna-button--ghost luna-button--fluid\" href=\"https:\/\/www.finder.com\/ca\/banking\/pc-money-account-review\" role=\"button\">Read review<\/a>\r\n<\/div>\r\n<div class=\"u-grid__col u-3\/4@m\" style=\"padding-bottom: 0px;\">\r\n  <div class=\"\u201chas-padding-xsmall\u201d\"><\/div>\r\n<h4 id=\"bb95a0b7-0969-4b2f-bb94-0be4d76b8d67\" class=\"luna-card__title\" style=\"padding-bottom: 10px; font-size: 20px;\"><b>PC Money Account<\/b><\/h4>\r\n\r\n\r\n<div class=\"u-grid u-grid--alignMiddle\">\r\n  <div class=\"u-grid__col u-1\/3@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n    <span style=\"font-size: 25px; font-weight: 900; color: #1D53FF;\">2.2%\r\n\r\n    <\/span>\r\n    <br>\r\n    <span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative; top: -8px;\">Interest Rate<\/span>\r\n  <\/div>\r\n  <div class=\"u-grid__col u-1\/3@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n    <span style=\"font-size: 25px; font-weight: 900; color: #1D53FF;\">\r\n$0\r\n\r\n\r\n    <\/span>\r\n    <br>\r\n    <span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative; top: -8px;\">Account Fee<\/span>\r\n  <\/div>\r\n  <div class=\"u-grid__col u-1\/3@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n    <span style=\"font-size: 25px; font-weight: 900; color: #1D53FF;\">unlimited\r\n\r\n    <\/span>\r\n    <br>\r\n    <span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative; top: -8px;\">Transaction Fee<\/span>\r\n  <\/div>\r\n<\/div>  \r\n\r\n\r\n      <div class=\"has-overflow-auto luna-tabs\" style=\"margin: 0rem;\">\r\n    <ul class=\"luna-tabs__list\">\r\n       \r\n\r\n        <li class=\"active luna-tab\"><a class=\"luna-tab__action\" href=\"#pb-tabname0-bb95a0b7-0969-4b2f-bb94-0be4d76b8d67-1\" data-toggle=\"tab\">Info<\/a><\/li>\r\n \r\n        <li class=\"luna-tab\"><a class=\"luna-tab__action\" href=\"#pb-tabname1-bb95a0b7-0969-4b2f-bb94-0be4d76b8d67-1\" data-toggle=\"tab\">Pros + Cons<\/a><\/li>\r\n        <li class=\"luna-tab\"><a class=\"luna-tab__action\" href=\"#pb-tabname2-bb95a0b7-0969-4b2f-bb94-0be4d76b8d67-1\" data-toggle=\"tab\">More Details<\/a><\/li>\r\n    <\/ul>\r\n     \r\n      <div class=\"tab-content\">\r\n      \r\n \r\n      \r\n        <div class=\"tab-pane active\" id=\"pb-tabname0-bb95a0b7-0969-4b2f-bb94-0be4d76b8d67-1\">\r\n            <div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n              <div class=\"has-padding-xsmall\"><\/div>\r\n                              <div class=\"has-padding-xsmall\"><\/div>\r\n                \r\n                            While not technically a joint account, the PC Money Account does often function like one for couples because it allows up to 5 linked external bank accounts, making it a great option for couples with joint savings goals who want to take advantage of one of the highest ongoing savings interest rates in Canada while still having access to solid purchasing power. It has no monthly fee, unlimited free transactions, lets you earn PC Optimum points with purchases and offers a high interest rate of 2.2% on your balance. Plus, many people use the PC Optimum Household and Authorized User features on the Mastercard to further maximize rewards and spending perks.\r\n            <\/div>\r\n        <\/div>\r\n\r\n      \r\n               <div class=\"tab-pane\" id=\"pb-tabname1-bb95a0b7-0969-4b2f-bb94-0be4d76b8d67-1\">\r\n            <div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n<div class=\"has-padding-xsmall\"><\/div>\r\n             <div class=\"u-grid u-grid--gutterCollapse\" style=\"margin: 0px;\">\r\n              <div class=\"u-grid__col u-1\/2@m\">\r\n                \r\n                <ul class=\"list-1\">\r\n                \r\n                  <li>No monthly fees<\/li>\r\n                \r\n                  <li>Earn 2.2% interest on your account balance<\/li>\r\n                \r\n                  <li> Unlimited free transfers and Interac e-Transfers<\/li>\r\n                \r\n                  <li> No minimum balance requirements<\/li>\r\n                \r\n                <\/ul>\r\n              \r\n                <\/div>\r\n              <div class=\"u-grid__col u-1\/2@m\">\r\n              \r\n                <ul class=\"list-12\">\r\n                \r\n                  <li>No way to deposit cash or cheques at ATMs<\/li>\r\n                \r\n                  <li>Can't order cheques<\/li>\r\n                \r\n                <\/ul>\r\n              \r\n                <\/div>\r\n              <\/div>\r\n                 <\/div>\r\n        <\/div>\r\n      \r\n        <div class=\"tab-pane\" id=\"pb-tabname2-bb95a0b7-0969-4b2f-bb94-0be4d76b8d67-1\">\r\n            <div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n\r\n<table class=\"luna-table\" style=\"border: 0px;\">\r\n  <tbody class=\"luna-table__body\">\r\n\r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Ongoing Interest Rate<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">2.2%<\/span>\r\n    <\/td>\r\n  <\/tr>\r\n\r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Promotional Interest Rate<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">Up to 2.2%<\/span>\r\n<\/td>\r\n  <\/tr>\r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Monthly Account Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$0\r\n<\/span>\r\n    <\/td>\r\n  <\/tr>\r\n   \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Minimum Balance<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$0<\/span>\r\n    <\/td>\r\n  <\/tr>\r\n    \r\n         \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">CDIC Deposit Insurance<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$100,000<\/span>\r\n    <\/td>\r\n  <\/tr>\r\n    \r\n  <\/tbody>\r\n<\/table>\r\n\r\n<\/div>\r\n<\/div>       \r\n<\/div>\r\n<\/div>\r\n\r\n  <\/div>\r\n  <\/div> \r\n<\/div>\r\n<\/article>\r\n\r\n\r\n\r\n\r\n\r\n<style>\r\n  .no-cta-button {\r\n    font-weight: bold;\r\n    font-size: 18px;\r\n    color: #00ba9c;\r\n    text-decoration: underline;\r\n    text-align: center;\r\n    margin-top: 0 !important;\r\n    width: 100%;\r\n  }\r\n\r\n  .no-cta-button:hover {\r\n    color: #4dceb9;\r\n  }\r\n<\/style>\r\n\r\n<style>\r\n  .scoreCombined.finder-score::before {\r\n    display: none;\r\n  }\r\n\r\n  .score__container {\r\n    display: flex;\r\n    width: 100%;\r\n    flex-direction: column;\r\n    flex-flow: nowrap;\r\n    font-size: 18px;\r\n  }\r\n\r\n  .score__badge {\r\n    border-radius: 100px 16px 100px 100px;\r\n    border: none;\r\n    display: flex;\r\n    justify-content: center;\r\n    align-items: center;\r\n    height: 2.2rem;\r\n    width: 2.2rem;\r\n    background-image: linear-gradient(45deg,\r\n        transparent 25%,\r\n        rgba(255, 255, 255, 0.2) 50%,\r\n        transparent 75%,\r\n        transparent 100%);\r\n    background-size: 250% 250%, 100% 100%;\r\n    background-position: -100% 0, 0 0;\r\n    background-repeat: no-repeat;\r\n  }\r\n\r\n  .score__badge--excellent {\r\n    background-color: rgb(25, 105, 232);\r\n    box-shadow: rgba(18, 85, 208, 0.3) 0px 1.125px 6.75px 0px,\r\n      rgba(255, 255, 255, 0.25) 0px 4.5px 4.5px 0px inset,\r\n      rgba(255, 255, 255, 0.25) 0px 2.25px 0px 0px inset,\r\n      rgba(0, 0, 0, 0.2) 0px 0px 0px 1.125px inset,\r\n      rgb(25, 105, 232) 0px -2.25px 0px 0px inset;\r\n  }\r\n\r\n  .score__badge--great {\r\n    background-color: rgb(0, 120, 40);\r\n    box-shadow: rgba(18, 85, 208, 0.3) 0px 1.125px 6.75px 0px,\r\n      rgba(255, 255, 255, 0.25) 0px 4.5px 4.5px 0px inset,\r\n      rgba(255, 255, 255, 0.25) 0px 2.25px 0px 0px inset,\r\n      rgba(0, 0, 0, 0.2) 0px 0px 0px 1.125px inset,\r\n      rgb(0, 120, 40) 0px -2.25px 0px 0px inset;\r\n  }\r\n\r\n  .score__badge--standard {\r\n    background-color: rgb(231, 185, 11);\r\n    box-shadow: rgba(18, 85, 208, 0.3) 0px 1.125px 6.75px 0px,\r\n      rgba(255, 255, 255, 0.25) 0px 4.5px 4.5px 0px inset,\r\n      rgba(255, 255, 255, 0.25) 0px 2.25px 0px 0px inset,\r\n      rgba(0, 0, 0, 0.2) 0px 0px 0px 1.125px inset,\r\n      rgb(231, 185, 11) 0px -2.25px 0px 0px inset;\r\n  }\r\n\r\n  .score__badge--basic {\r\n    background-color: rgb(240, 88, 0);\r\n    box-shadow: rgba(18, 85, 208, 0.3) 0px 1.125px 6.75px 0px,\r\n      rgba(255, 255, 255, 0.25) 0px 4.5px 4.5px 0px inset,\r\n      rgba(255, 255, 255, 0.25) 0px 2.25px 0px 0px inset,\r\n      rgba(0, 0, 0, 0.2) 0px 0px 0px 1.125px inset,\r\n      rgb(240, 88, 0) 0px -2.25px 0px 0px inset;\r\n  }\r\n\r\n  .score__badge:hover {\r\n    animation: shine-effect 1.5s ease;\r\n  }\r\n\r\n  @keyframes shine-effect {\r\n    0% {\r\n      background-position: -100% 0, 0 0;\r\n    }\r\n\r\n    100% {\r\n      background-position: 200% 0, 0 0;\r\n    }\r\n  }\r\n\r\n  .score__value {\r\n    color: white;\r\n    font-weight: 700;\r\n  }\r\n\r\n  .score__text-wrapper-cards {\r\n    border: none;\r\n    align-items: center;\r\n    display: flex;\r\n    background-color: rgb(240 247 255);\r\n    padding: 0.25rem 0 0.25rem 0.875rem;\r\n    border-radius: 0 999px 999px 0;\r\n    margin-left: -0.375rem;\r\n    top: -4px;\r\n    width: 100%;\r\n    width: auto;\r\n    padding-right: 15px !important;\r\n  }\r\n\r\n  .score__text {\r\n    font-weight: 500;\r\n    font-size: 16px;\r\n    white-space: nowrap;\r\n  }\r\n\r\n  .scoreCombined {\r\n    text-decoration: none;\r\n  }\r\n\r\n  a.scoreCombined,\r\n  a.scoreCombined:hover {\r\n    text-decoration: none;\r\n  }\r\n\r\n  .score__text--excellent {\r\n    background-color: rgb(240 247 255);\r\n    color: rgb(18 85 208);\r\n  }\r\n\r\n  .score__text--great {\r\n    background-color: rgb(240 251 246);\r\n    color: rgb(0 120 40);\r\n  }\r\n\r\n  .score__text--standard {\r\n    background-color: rgb(255 251 227);\r\n    color: rgb(161 98 7);\r\n    padding-right: 0px;\r\n  }\r\n\r\n  .score__text--basic {\r\n    background-color: rgb(255, 234, 227);\r\n    color: rgb(240, 88, 0);\r\n    padding-right: 0px;\r\n  }\r\n\r\n  table div[class*=\"methodology-partial\"] {\r\n    display: none;\r\n  }\r\n<\/style>\r\n<style>\r\n  .deals--container {\r\n    display: flex;\r\n    flex-direction: column;\r\n    text-align: left;\r\n    padding: 0px 0px 8px 0px;\r\n  }\r\n  \r\n  .deals--rewards-container{\r\n    margin-bottom: 16px;\r\n  }\r\n\r\n  .deals--rewards {\r\n    background-color: #0a41ee;\r\n    border-radius: 12px;\r\n    padding: 12px;\r\n    color: white;\r\n    margin: 0 10px;\r\n    box-sizing: border-box;\r\n    p {\r\n          margin: 0;\r\n        }\r\n  }\r\n\r\n  .deals--rewards-tag {\r\n    display: inline-block;\r\n    background-color: white;\r\n    color: #1d53ff;\r\n    border-radius: 999px;\r\n    font-weight: 900;\r\n    font-size: 12px;\r\n    text-transform: uppercase;\r\n    margin-bottom: 8px;\r\n    box-sizing: border-box;\r\n    vertical-align: middle;\r\n    line-height: 1;\r\n    padding: 3px 8px 1px 8px;\r\n  }\r\n\r\n  .deals--rewards a:hover { color: unset; }\r\n  \r\n  .deals--rewards span {\r\n    font-size: 14px !important;\r\n    font-weight: 400;\r\n    line-height: 1.5;\r\n    color: white;\r\n    display: block;\r\n  }\r\n\r\n  .deals--rewards span b {\r\n    font-size: 14px !important;\r\n    font-weight: 800;\r\n    display: block;\r\n    line-height: 1.2;\r\n    margin-bottom: 4px;\r\n  }\r\n\r\n  .deals--rewards-terms {\r\n    font-size: 14px;\r\n    color: #232320;\r\n    margin-left: 10px;\r\n    margin-right: 10px;\r\n    margin-top: -2px;\r\n    font-weight: 400;\r\n    text-decoration: underline;\r\n    font-variant-numeric: lining-nums tabular-nums;\r\n  }\r\n<\/style><article class=\"luna-card--alt\"><div class=\"luna-card__block\"><h3>Methodology: How we selected the best joint bank accounts in Canada<\/h3><p>To determine this list of the best accounts, Finder Canada analyzed 70+ chequing accounts across 22 financial institutions. We compared accounts from traditional banks, digital banks and credit unions, and we narrowed down the list of accounts to the top 6.<\/p>\n\n<p>We ranked accounts based on 16 data points within four major categories. Here's how we ranked and weighted each product:<\/p>\n\n<ul>\n  <li><strong>Fees:<\/strong> 40% (Monthly fee, ability to waive monthly fee (if necessary), transaction fees, e-Transfer fees, ATM fees, NSF fees, overdraft fees)<\/li>\n  <li><strong>Perks:<\/strong> 30% (Interest rates, signup bonuses, other tailored rewards)<\/li>\n  <li><strong>Banking Access:<\/strong> 15% (In-branch banking, online banking access, national availability)<\/li>\n  <li><strong>Customer Experience:<\/strong> 15% (Live chat availability, Apple app ratings, Google app ratings)<\/li>\n<\/ul>\n<div class=\"has-padding-xsmall\"><\/div>\n<p>No single chequing account will be the best choice for everyone, so thoroughly compare your options before picking your new account.<\/p>\n\n<\/div><\/article><div class=\"has-padding-xsmall\"><\/div><div class=\"fin-video fin-video--horizontal\" data-player-type=\"youtube\" data-video-id=\"Fhv-_0ldIxM\" style=\"\">\n    <div class=\"fin-video__container\">\n                    <img decoding=\"async\" class=\"fin-video__thumbnail\" src=\"https:\/\/img.youtube.com\/vi\/Fhv-_0ldIxM\/maxresdefault.jpg\" data-fallback-sd=\"https:\/\/img.youtube.com\/vi\/Fhv-_0ldIxM\/sddefault.jpg\" data-fallback-hq=\"https:\/\/img.youtube.com\/vi\/Fhv-_0ldIxM\/hqdefault.jpg\" alt=\"\" loading=\"lazy\">\n                            <div class=\"fin-video__duration\">6:21<\/div>\n                        <div class=\"fin-video__play-btn\" role=\"button\" aria-label=\"Play video\"><\/div>\n                <iframe allow=\"autoplay\" class=\"fin-video__player\" id=\"ytPlayer-Fhv-_0ldIxM\" title=\"Video player\"><\/iframe>\n    <\/div>\n        <\/div>\n<div class=\"keyTakeaways\">\n  <div class=\"keyTakeaways__header\">\n          <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"21\" viewbox=\"0 0 314.16 201.03\" fill=\"none\">\n  <path d=\"M212.32,190.62c-19.66,0-38.8-6.44-54.42-18.24-15.63,11.79-34.77,18.24-54.42,18.24-49.84,0-90.39-40.55-90.39-90.39V9.83h199.24c49.84,0,90.39,40.55,90.39,90.39s-40.55,90.39-90.39,90.39Z\" fill=\"white\"><\/path>\n  <path d=\"M212.32,15.9c46.57,0,84.33,37.75,84.33,84.33h0c0,46.57-37.75,84.33-84.33,84.33h0c-20.75,0-39.74-7.51-54.42-19.94-14.69,12.43-33.68,19.94-54.42,19.94h0c-46.57,0-84.33-37.75-84.33-84.33V15.9h193.18M212.32,3.76H7.01v96.46c0,53.19,43.27,96.46,96.46,96.46,19.47,0,38.46-5.92,54.43-16.84,15.96,10.91,34.95,16.84,54.42,16.84,53.19,0,96.46-43.27,96.46-96.46S265.51,3.76,212.32,3.76h0Z\" fill=\"#232320\"><\/path>\n  <path d=\"M216.34,90.21c.19-1.69,1.76-2.87,3.43-2.6,11.91,1.94,22.41-7.31,20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26,15.6-9.82,31.64-1.91,40.78,13.29,11.21,18.64,11.54,47.15.53,65.94-15.41,26.3-42.91,23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#232320\"><\/path>\n  <path d=\"M105.92,90.21c.19-1.69,1.76-2.87,3.43-2.6,11.91,1.94,22.41-7.31,20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26,15.6-9.82,31.64-1.91,40.78,13.29,11.21,18.64,11.54,47.15.53,65.94-15.41,26.3-42.91,23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#232320\"><\/path>\n<\/svg>        <h3 data-toc=\"false\">Key takeaways<\/h3>\n  <\/div>\n\n    <ul>\n          <li>It is very common for banks and financial institutions in Canada to offer joint bank accounts.<\/li>\n          <li>The best overall joint account currently available is the <a class=\"scroll\" style=\"text-decoration: none; color: #1d53ff;\" href=\"#eq\">EQ Bank Personal Account<\/a>.<\/li>\n          <li>Joint accounts offer a lot of conveniences, but there are some notable risks you should consider before signing up.<\/li>\n      <\/ul>\n\n  \n  <\/div>\n<h3>What banks offer joint accounts in Canada?<\/h3><p>It\u2019s safe to say that all Canadian banks offer joint accounts. Big banks like RBC, Scotiabank, CIBC, BMO, TD and National Bank all offer joint chequing and savings accounts. You can also get joint accounts <a href=\"https:\/\/www.finder.com\/ca\/digital-banking\">from digital banks in Canada<\/a>, like Tangerine, EQ Bank and Simplii Financial.<\/p><p>You also typically have the option to switch your current single account to a joint account. To make that switch, you can either apply online if you\u2019re with a digital bank, or go with the person you want to add to your account to your local bank branch. In either case, the person you want to add will need to provide valid pieces of ID.<\/p><h3>What is the best bank for a joint account in Canada?<\/h3><p>The best bank for a joint account in Canada is EQ Bank. Its Personal chequing account is our pick for the <a class=\"scroll\" style=\"text-decoration: none; color: #1d53ff;\" href=\"#eq\">best overall joint account<\/a> because it allows up to four joint account holders while charging no monthly fee, unlimited transactions and up to 2.75% interest on your entire balance.<\/p><div class=\"eeQuote box u-rounded--lg source-external type-expert\">\n    <div class=\"eeQuote__gridContainer\">\n        <div class=\"eeQuote__photoContainer\">\n            <div class=\"eeQuote__startQuoteIcon\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"36\" viewbox=\"0 0 32 28\" fill=\"none\">\n  <path d=\"M13.1114 3.54845C12.05 5.01898 11.1447 6.64935 10.3955 8.43956C9.64624 10.2298 9.24041 11.8282 9.17798 13.2348C10.7389 13.8102 11.9563 14.6733 12.8304 15.8242C13.767 16.975 14.2352 18.3816 14.2352 20.044C14.2352 22.0899 13.5484 23.8482 12.1749 25.3187C10.8637 26.7253 9.2092 27.4286 7.21127 27.4286C5.15091 27.4286 3.43394 26.7253 2.06036 25.3187C0.686788 23.9121 0 21.8661 0 19.1808C0 16.3037 0.749223 13.043 2.24767 9.3986C3.74611 5.75424 5.83769 2.62138 8.52241 0L13.1114 3.54845ZM30.8762 3.54845C29.8148 5.01898 28.9095 6.64935 28.1602 8.43956C27.411 10.2298 27.0052 11.8282 26.9428 13.2348C28.5036 13.8102 29.7211 14.6733 30.5952 15.8242C31.5317 16.975 32 18.3816 32 20.044C32 22.0899 31.3132 23.8482 29.9396 25.3187C28.6285 26.7253 26.974 27.4286 24.976 27.4286C22.9157 27.4286 21.1987 26.7253 19.8251 25.3187C18.4516 23.9121 17.7648 21.8661 17.7648 19.1808C17.7648 16.3037 18.514 13.043 20.0124 9.3986C21.5109 5.75424 23.6025 2.62138 26.2872 0L30.8762 3.54845Z\" fill=\"#232320\"><\/path>\n<\/svg>\n            <\/div>\n\n                            <figure class=\"eeQuote__photo\">\n                    <img decoding=\"async\" alt=\"Sean Cooper's headshot\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/07\/SeanCooper_Supplied_500x500.jpg\" class=\"avatar avatar-200 photo finder-avatar\" height=\"200\" width=\"200\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/07\/SeanCooper_Supplied_500x500.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/07\/SeanCooper_Supplied_500x500.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/07\/SeanCooper_Supplied_500x500.jpg?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\" loading=\"lazy\">\n                <\/figure>\n\n                                    <\/div>\n\n        <div class=\"eeQuote__contentContainer \">\n            <div class=\"eeQuote__content\">\n                                    <div class=\"eeQuote__heading\">Expert insight<\/div>\n                                <div class=\"eeQuote__quote\">\n                    <p>\"Before opening a joint bank account, sit down with your partner and set expectations. By doing that, you can grow closer together with a joint bank account, not further apart.\"<\/p>\n\n                <\/div>\n            <\/div>\n\n                            <div class=\"eeQuote__authorInfo\">\n                                            <div class=\"eeQuote__authorPhoto--mobile\">\n                            <figure class=\"eeQuote__photo\">\n                                <img decoding=\"async\" alt=\"Sean Cooper's headshot\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/07\/SeanCooper_Supplied_500x500.jpg\" class=\"avatar avatar-200 photo finder-avatar\" height=\"200\" width=\"200\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/07\/SeanCooper_Supplied_500x500.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/07\/SeanCooper_Supplied_500x500.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/07\/SeanCooper_Supplied_500x500.jpg?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\" loading=\"lazy\">\n                            <\/figure>\n                                                    <\/div>\n                                        <div class=\"eeQuote__authorDetails\">\n                                                    <a class=\"eeQuote__authorName\" href=\"https:\/\/www.finder.com\/ca\/author\/seancooper\" itemprop=\"url\" target=\"_blank\">\n                                Sean Cooper\n                            <\/a>\n                                                                            <div class=\"eeQuote__authorTitle\">Editorial Review Board<\/div>\n                                            <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n<h3>How to choose the best joint account in Canada<\/h3><p>As with any bank account, you\u2019ll want to find a bank that offers joint accounts with as few fees as possible. It\u2019s preferable to find one that won\u2019t charge you transaction fees, will give you easy access to your funds and will offer a reasonably good interest rate on the funds you have in your account.<\/p><p>Considering the following factors will help you narrow down your options for the best joint account in Canada for your specific needs:<\/p><ul><li><strong>Account maintenance fees.<\/strong> Look for an account with low or no monthly account fees. You can compare the <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/best-no-fee-chequing-accounts\" target=\"_blank\" rel=\"noopener noreferrer\">best no-fee chequing accounts here<\/a> to learn more.<\/li><li><strong>Transaction limits and fees.<\/strong> With several people accessing the account, there may be many more transactions than with a single account. Make sure you\u2019re not charged any unnecessary transaction fees.<\/li><li><strong>ATM fees.<\/strong> Look for an account that offers fee-free ATM withdrawals, so you\u2019re not hit with a fee each time one of the account holders withdraws some cash.<\/li><li><strong>Easy online access.<\/strong> Make sure the account is easily accessible for everyone on the account, for example, with an easy-to-use mobile banking app.<\/li><li><strong>Number of linked debit cards.<\/strong> If more than two people are requesting a linked debit card, make sure you\u2019re not charged extra fees for the additional debit cards.<\/li><\/ul><div class=\"box\"><h4 id=\"joint\">Is it best to have separate or joint savings accounts?<\/h4><p>Joint savings accounts are a great way to reach your financial goals together. Consider a long-term account if you\u2019re a couple trying to save up to buy a house together or for home improvements, for example. Alternatively, consider opening a joint account for a set amount of time if you want to achieve short-term financial goals, like <a href=\"https:\/\/www.finder.com\/ca\/savings-accounts\/best-vacation-savings-accounts\">saving for a vacation<\/a>.<\/p><\/div><h3>How many Canadians use joint bank accounts?<\/h3><p>In our latest <em>Finder: Consumer Sentiment Survey<\/em>, we found that 37.36% of Canadians have at least one joint bank account. Of that, 29.17% have only one joint bank account, 6.19% have 2 joint accounts and 2% have 3 or more.<\/p><p>While 62.64% of Canadians do not use joint bank accounts at all, 8.49% said they plan to open a joint account in 2025.<iframe id=\"datawrapper-chart-I5RGj\" title=\"How many joint accounts do you have?\" width=\"100%\" height=\"446\" scrolling=\"yes\" aria-label=\"Column Chart\" src=\"https:\/\/datawrapper.dwcdn.net\/I5RGj\/1\/\" style=\"border: none;\" loading=\"lazy\"><\/iframe><\/p><h3 id=\"prosandcons\">Pros of opening joint bank accounts in Canada<\/h3><ul class=\"list-4\"><li><strong>Save together<\/strong>. Good for couples that have joint financial goals and share spending and saving habits.<\/li><li><strong>Fewer fees<\/strong>. Opening a joint bank account in Canada can help you save money instead of paying multiple monthly fees.<\/li><li><strong>Monthly fee savings.<\/strong> Combining your finances can make it easier to meet the minimum balance requirement to get the monthly fee waived on a paid account.<\/li><li><strong>Full transparency. <\/strong> Since you\u2019re both on the account, you can always see how and where the other is spending.<\/li><li><strong>Easier to pay and schedule bills<\/strong>. With all the money in one place, it\u2019s much easier for couples to manage personal finances and bills.<\/li><li><strong>Easier to coordinate.<\/strong> If you share a lot of expenses with a number of people, it can be easier if you all have access to one bank account to manage them.<\/li><li><strong>Accessible in an emergency.<\/strong> With more than two joint holders, the funds in the account are accessible even if some of the account holders are unavailable.<\/li><\/ul><h3>Cons of opening joint accounts<\/h3><ul class=\"list-13\"><li><strong>Complete access to all money.<\/strong> If you opt for a joint bank account where both of you can withdraw money freely, be sure to discuss large or unnecessary purchases.<\/li><li><strong>Splitting up.<\/strong> If there\u2019s a breakup, both of you can access the account. You may hope you can amicably split the funds, but in the case of a dispute, the court can be a long and arduous process.<\/li><li><strong>Complete transparency.<\/strong> This is a double-edged sword; while you have complete transparency, you may lose some of your financial privacy.<\/li><li><strong>Less control.<\/strong> Other account holders can withdraw money without your consent.<\/li><li><strong>Difficult to manage.<\/strong> With multiple individuals making deposits and withdrawals into the joint account, it can be difficult to keep track of the account balance.<\/li><li><strong>Could lose access to funds.<\/strong> If one of the joint account holders passes away, depending on how the account is set up, the other could lose access to the funds. However, in most cases when the account is held by a married couple, the remaining spouse has automatic right of survivorship and will be able to continue using the account as usual if the other dies. You can <a class=\"scroll\" href=\"#what-happens-to-joint-account-when-someone-dies\">learn more about how this works below<\/a>.<\/li><\/ul><h3>How to open a joint bank account in 5 easy steps<\/h3><p>It\u2019s the same process to open a joint bank account in Canada as it is to open a chequing account or savings account on your own. The main difference is that both account holders must go through the process, usually at the same time.<\/p><ol><li style=\"padding-bottom: 14px;\"><a class=\"scroll\" style=\"text-decoration: none; color: #1d53ff;\" href=\"#best\"><strong>Shop around for bank accounts<\/strong><\/a> until you find one that suits your needs and allows multiple account holders.<\/li><li style=\"padding-bottom: 14px;\">Apply for the account online, by phone or in person at a local branch. Be sure to check the box that states you\u2019re opening a joint account.<\/li><li style=\"padding-bottom: 14px;\">Verify your identity and the identity of anyone else on the account.<\/li><li style=\"padding-bottom: 14px;\">Fund the account by making your initial deposit.<\/li><li style=\"padding-bottom: 14px;\">Start using your account by setting up direct deposits, scheduling automatic savings transfers, paying bills and more.<\/li><\/ol><p>The majority of banks in Canada will let you sign up online, saving you time and the work of coordinating a face-to-face meeting with the bank. To compare online options, check out <a href=\"https:\/\/www.finder.com\/ca\/digital-banking\/best-online-banking-canada\">our full guide to online bank accounts in Canada<\/a>.<\/p><h4>Requirements to opening a joint account<\/h4><p>Everyone listed on the account should have the following information on hand before you start the signup process:<\/p><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-7\"><li>Full name<\/li><li>Canadian residential address<\/li><li>Date of birth<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-7\"><li>Social Insurance Number (SIN)<\/li><li>Government-issued photo ID<\/li><\/ul><\/div><\/div><h3>Joint account promotions available now<\/h3><p>Here is a sampling of bank promotions available now in Canada for joint accounts:<\/p><ul class=\"list-1\"><li>                \n    \n\n<\/li><li>                \n    \n\n<strong><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/savings-accounts\/eq-bank-joint-account-ca-savings-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22EQ%2BBank%2BJoint%2BAccount%22%2C%22site%22%3A%22CAFSA%22%2C%22offer_id%22%3A%2222475%22%2C%22niche_code%22%3A%22CAFSA%22%2C%22product_id%22%3A%22d8c0c9bd-b32b-4cc4-8975-642f4bd78250%22%2C%22product_name%22%3A%22EQ%2BBank%2BJoint%2BAccount%22%2C%22provider_id%22%3A%22d29ad16f-cea3-44be-a5c3-2d5d39907c2e%22%2C%22provider_name%22%3A%22EQ%2BBank%22%2C%22post_id%22%3A%22786751%22%2C%22post_path%22%3A%22banking%252Fjoint-bank-accounts%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1013523%2C%22name%22%3A%22account-offer-text%22%2C%22country%22%3A%22ca%22%7D%7D\">EQ Bank Joint Account<\/a>:<\/strong> Earn 2.75% for 12 months when you set up $2000\/month or more in either direct deposit for your pay or recurring pre-authorized debits.\n<\/li><li>                \n    \n\n<strong><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/chequing-accounts\/eqbank-personal-account-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22EQ%2BBank%2BPersonal%2BAccount%22%2C%22site%22%3A%22CAFSA-CHQ%22%2C%22offer_id%22%3A%2222475%22%2C%22niche_code%22%3A%22CAFSA-CHQ%22%2C%22product_id%22%3A%22bffd0c48-dbf8-4ec5-aedf-a9eeb532406b%22%2C%22product_name%22%3A%22EQ%2BBank%2BPersonal%2BAccount%22%2C%22provider_id%22%3A%225e5bd9bf-b394-4422-97dc-7e9052c4f642%22%2C%22provider_name%22%3A%22EQ%2BBank%22%2C%22post_id%22%3A%22786751%22%2C%22post_path%22%3A%22banking%252Fjoint-bank-accounts%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1013523%2C%22name%22%3A%22account-offer-text%22%2C%22country%22%3A%22ca%22%7D%7D\">EQ Bank Personal Account<\/a>:<\/strong> Earn 2.75% interest on your money with qualifying direct deposits of $2,000\/month, and 1.00% otherwise.\n<\/li><li>                \n    \n\n<strong><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/chequing-accounts\/simplii-no-fee-chequing-account-ca-chequing-accounts-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Simplii%2BNo%2BFee%2BChequing%2BAccount%22%2C%22site%22%3A%22CAFSA-CHQ%22%2C%22offer_id%22%3A%2221492%22%2C%22niche_code%22%3A%22CAFSA-CHQ%22%2C%22product_id%22%3A%22bc9cfba9-5ce5-4aae-88de-f139bcac33e0%22%2C%22product_name%22%3A%22Simplii%2BNo%2BFee%2BChequing%2BAccount%22%2C%22provider_id%22%3A%224a90c666-8cbd-456f-b594-ea7868a57ca5%22%2C%22provider_name%22%3A%22Simplii%2BFinancial%22%2C%22post_id%22%3A%22786751%22%2C%22post_path%22%3A%22banking%252Fjoint-bank-accounts%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1013523%2C%22name%22%3A%22account-offer-text%22%2C%22country%22%3A%22ca%22%7D%7D\">Simplii No Fee Chequing Account<\/a>:<\/strong> <b>Earn $300<\/b> and a $50 Skip gift card when you become a new client and set up a direct deposit of at least $100 for 3 months. <b>Offer ends September 30, 2026.<\/b>\n<\/li><li>                \n    \n\n<strong><div class=\"rewards--element-container rewards--container\" data-product-id=\"b01ef1f7-4690-430e-890a-bde8c7186248\" data-niche=\"CAFSA-CHQ\" data-product-name=\"BMO Performance Chequing Account\" data-provider-name=\"BMO\" data-rewards-campaign-name=\"bmo|performance|may-2026~cafsa\"><script type=\"text\/javascript\">window.rewardsConfigs = window.rewardsConfigs || {};window.rewardsConfigs[\"bmo|performance|may-2026~cafsa\"] = {\"startDate\":\"2026-05-01T08:00:00.000Z\",\"endDate\":\"2026-07-01T03:59:59.000Z\",\"showVisaLogo\":true,\"minimalUx\":true,\"countryCode\":\"CA\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"bannerConfig\":{\"badgeText\":\"FINDER REWARDS EXCLUSIVE\",\"title\":\"Get $175 from Finder\",\"titleHighlight\":\"$175\",\"copyText\":\"Open a \\u003Cb\\u003EBMO Performance Chequing Account\\u003C\\\/b\\u003E online through Finder and receive a \\u003Cb\\u003E$175 digital Visa card + earn up to $800\\u003C\\\/b\\u003E in welcome bonuses from BMO. Offer ends June 30, 2026.\",\"termsText\":\"Separate T\\u0026Cs apply.\",\"ctaText\":\"GET DEAL\",\"iconUrl\":\"https:\\\/\\\/www.finder.com.au\\\/parent-theme\\\/members\\\/prod\\\/images\\\/rewards-icon.d44fdf8dde3fe4daca8c6a17d56489ca.svg\",\"nicheText\":\"\",\"mode\":\"modal\",\"metaData\":{\"productId\":\"b01ef1f7-4690-430e-890a-bde8c7186248\"},\"logoUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/svg-image\\\/rewards-logo-bmo\",\"nicheCode\":\"CAFSA-CHQ\",\"value\":\"175\",\"faqUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/chequing-accounts\\\/bmo-performance-chequing-account-may-2026-promotion\",\"validationDate\":\"2026-07-31T23:59:59.000Z\",\"fulfillmentDate\":\"2026-08-14T23:59:59.000Z\",\"termsAndConditionsUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/finder-rewards\\\/finder-bmo-performance-chequing-account-reward-promotion-terms-and-conditions-may-2026\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"referAFriendValue\":\"25\"},\"modalConfig\":{\"requireName\":true,\"title\":\"Get $175 from Finder\",\"subtitleText\":\"Your Visa card will be delivered here. Your details must match your new BMO account\",\"items\":[{\"icon\":\"user\",\"text\":\"Create a Finder account for free in under 1 minute\"},{\"icon\":\"shopping-bag\",\"text\":\"Open a \\u003Cb\\u003EBMO Performance Chequing Account\\u003C\\\/b\\u003E online through Finder\"},{\"icon\":\"confetti\",\"text\":\"Receive your $175 digital Visa card from Finder on or before August 14, 2026\"}],\"heading\":\"Get $175 from Finder\",\"membersHeading\":\"Get $175 from Finder\",\"text\":\"\\u003Cb\\u003EHow it works\\u003C\\\/b\\u003E\\n* Create a Finder account for free in under 1 minute\\n* Open a \\u003Cb\\u003EBMO Performance Chequing Account\\u003C\\\/b\\u003E online through Finder\\n* Receive your $175 digital Visa card from Finder on or before August 14, 2026\",\"membersText\":\"\\u003Cb\\u003EHow it works\\u003C\\\/b\\u003E\\n* Open a \\u003Cb\\u003EBMO Performance Chequing Account\\u003C\\\/b\\u003E online through Finder\\n* Receive your $175 digital Visa card from Finder on or before August 14, 2026\",\"emailCaption\":\"Your Visa card will be delivered here. Your details must match your new BMO account\",\"continueText\":\"GET $175 REWARD\",\"abortText\":\"SKIP REWARD, CONTINUE TO BMO\",\"copyText\":\"Ends on June 30, 2026\",\"termsText\":\"T\\u0026Cs apply\",\"logoUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/svg-image\\\/rewards-logo-bmo\",\"nicheCode\":\"CAFSA-CHQ\",\"value\":\"175\",\"faqUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/chequing-accounts\\\/bmo-performance-chequing-account-may-2026-promotion\",\"validationDate\":\"2026-07-31T23:59:59.000Z\",\"fulfillmentDate\":\"2026-08-14T23:59:59.000Z\",\"termsAndConditionsUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/finder-rewards\\\/finder-bmo-performance-chequing-account-reward-promotion-terms-and-conditions-may-2026\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"referAFriendValue\":\"25\"}};<\/script> <a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/chequing-accounts\/bmo-performance-chequing-account-review-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22BMO%2BPerformance%2BChequing%2BAccount%22%2C%22site%22%3A%22CAFSA-CHQ%22%2C%22offer_id%22%3A%2222439%22%2C%22niche_code%22%3A%22CAFSA-CHQ%22%2C%22product_id%22%3A%22b01ef1f7-4690-430e-890a-bde8c7186248%22%2C%22product_name%22%3A%22BMO%2BPerformance%2BChequing%2BAccount%22%2C%22provider_id%22%3A%2217ec4faf-007c-4695-8db1-58ffc0fdcac9%22%2C%22provider_name%22%3A%22BMO%22%2C%22post_id%22%3A%22786751%22%2C%22post_path%22%3A%22banking%252Fjoint-bank-accounts%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1013523%2C%22name%22%3A%22account-offer-text%22%2C%22country%22%3A%22ca%22%7D%7D\" class=\"rewards--cta\">BMO Performance Chequing Account<\/a><\/div>:<\/strong> <b>Earn up to $800.<\/b> Earn up to an $800 cash bonus with the BMO Performance Chequing Account. Plus, get a Walmart Delivery Pass subscription for up to 12 months. <b>Valid until June 1, 2026.<\/b><span class=\"table-popover\" rel=\"popover\" data-content=\"&lt;b&gt;Earn up to $800.&lt;\/b&gt; Earn $500 when you open and fund a new BMO Performance Chequing Account by June 1, 2026 and complete two qualifying tasks by July 31, 2026. Earn $100 when you set up a recurring direct deposit of $500 or more by July 31, 2026 and maintain if for one year. Plus, get a Walmart Delivery Pass subscription for up to 12 months* when you open a new Savings Amplifier Account by June 1, 2026, and sign up for or update your existing Walmart Delivery Pass by July 31, 2026 by selecting Debit Mastercard as the payment option for the monthly transaction fee. Earn $150* when you deposit a total of $10,000 or more in to your Savings Amplifier Account and maintain a daily closing balance of $10,000 or more within 30 days of opening and maintain that balance for 3 months. Earn $50* when you create one goal and apply one strategy in My Financial Progress Plan by July 31, 2026. *Terms apply.\" title=\"\" data-original-title=\"More info\">\n<\/span><\/li><li>                \n    \n\n<strong><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/chequing-accounts\/coast-capital-chequing-account-ca-secured.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Coast%2BCapital%2BFree%2BChequing%252C%2BFree%2BDebit%252C%2Band%2BMore%2BAccount%22%2C%22site%22%3A%22CAFSA-CHQ%22%2C%22offer_id%22%3A%2220428%22%2C%22niche_code%22%3A%22CAFSA-CHQ%22%2C%22product_id%22%3A%2243e021b9-a760-4292-9129-25c708bac2df%22%2C%22product_name%22%3A%22Coast%2BCapital%2BFree%2BChequing%252C%2BFree%2BDebit%252C%2Band%2BMore%2BAccount%22%2C%22provider_id%22%3A%22cef8a4e2-e096-47d7-b61c-9421a4222d9d%22%2C%22provider_name%22%3A%22Coast%2BCapital%22%2C%22post_id%22%3A%22786751%22%2C%22post_path%22%3A%22banking%252Fjoint-bank-accounts%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1013523%2C%22name%22%3A%22account-offer-text%22%2C%22country%22%3A%22ca%22%7D%7D\">Coast Capital Free Chequing, Free Debit, and More Account<\/a>:<\/strong> <b>Earn $150.<\/b> New members can get $150 when they open and use a Coast Capital Free Chequing, Free Debit, and More Account. <b>Offer ends July 6, 2026.<\/b>\n<\/li><li>                \n    \n\n<strong><div class=\"rewards--element-container rewards--container\" data-product-id=\"a1e23cc0-b6b4-41c2-9d0a-4293f4965664\" data-niche=\"CAFSA-CHQ\" data-product-name=\"RBC Signature No Limit Banking Account\" data-provider-name=\"RBC\" data-rewards-campaign-name=\"rbc_cafsa_chq_april_2026\"><script type=\"text\/javascript\">window.rewardsConfigs = window.rewardsConfigs || {};window.rewardsConfigs[\"rbc_cafsa_chq_april_2026\"] = {\"startDate\":\"2026-04-01T08:00:00.000Z\",\"endDate\":\"2026-06-01T04:59:59.000Z\",\"showVisaLogo\":true,\"minimalUx\":true,\"countryCode\":\"CA\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"bannerConfig\":{\"badgeText\":\"FINDER REWARDS EXCLUSIVE\",\"title\":\"Get $150 from Finder\",\"titleHighlight\":\"$150\",\"copyText\":\"Open an \\u003Cb\\u003ERBC Signature No Limit Banking Account\\u003C\\\/b\\u003E through Finder and receive a \\u003Cb\\u003E$150 digital Visa card\\u003C\\\/b\\u003E, plus qualify for RBC\\u2019s official welcome offer of a \\u003Cb\\u003Enew Apple Watch\\u003C\\\/b\\u003E. Offer ends May 31, 2026.\",\"termsText\":\"Separate T\\u0026Cs apply.\",\"ctaText\":\"GET DEAL\",\"iconUrl\":\"https:\\\/\\\/www.finder.com.au\\\/parent-theme\\\/members\\\/prod\\\/images\\\/rewards-icon.d44fdf8dde3fe4daca8c6a17d56489ca.svg\",\"nicheText\":\"\",\"mode\":\"modal\",\"metaData\":{\"productId\":\"a1e23cc0-b6b4-41c2-9d0a-4293f4965664\"},\"logoUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/svg-image\\\/rewards-logo-rbc\",\"nicheCode\":\"CAFSA-CHQ\",\"value\":\"150\",\"faqUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/chequing-accounts\\\/rbc-signature-no-limit-banking-account-150-gift-card-april-2026\",\"validationDate\":\"2026-06-30T23:59:59.000Z\",\"fulfillmentDate\":\"2026-07-15T23:59:59.000Z\",\"termsAndConditionsUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/finder-rewards\\\/finder-rbc-signature-no-limit-banking-account-reward-promotion-terms-and-conditions-april-2026\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"referAFriendValue\":\"25\"},\"modalConfig\":{\"requireName\":true,\"title\":\"Get $150 from Finder\",\"subtitleText\":\"Your Visa card will be delivered here. Your details must match your new RBC account\",\"items\":[{\"icon\":\"user\",\"text\":\"Create a Finder account for free in under 1 minute\"},{\"icon\":\"shopping-bag\",\"text\":\"Open an \\u003Cb\\u003ERBC Signature No Limit Banking Account\\u003C\\\/b\\u003E online through Finder\"},{\"icon\":\"confetti\",\"text\":\"Receive your $150 digital Visa card from Finder on or before July 15, 2026\"}],\"heading\":\"Get $150 from Finder\",\"membersHeading\":\"Get $150 from Finder\",\"text\":\"\\u003Cb\\u003EHow it works\\u003C\\\/b\\u003E\\n* Create a Finder account for free in under 1 minute\\n* Open an \\u003Cb\\u003ERBC Signature No Limit Banking Account\\u003C\\\/b\\u003E online through Finder\\n* Receive your $150 digital Visa card from Finder on or before July 15, 2026\",\"membersText\":\"\\u003Cb\\u003EHow it works\\u003C\\\/b\\u003E\\n* Open an \\u003Cb\\u003ERBC Signature No Limit Banking Account\\u003C\\\/b\\u003E online through Finder\\n* Receive your $150 digital Visa card from Finder on or before July 15, 2026\",\"emailCaption\":\"Your Visa card will be delivered here. Your details must match your new RBC account\",\"continueText\":\"GET $150 REWARD\",\"abortText\":\"SKIP REWARD, CONTINUE TO RBC\",\"copyText\":\"Ends on May 31, 2026\",\"termsText\":\"T\\u0026Cs apply\",\"logoUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/svg-image\\\/rewards-logo-rbc\",\"nicheCode\":\"CAFSA-CHQ\",\"value\":\"150\",\"faqUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/chequing-accounts\\\/rbc-signature-no-limit-banking-account-150-gift-card-april-2026\",\"validationDate\":\"2026-06-30T23:59:59.000Z\",\"fulfillmentDate\":\"2026-07-15T23:59:59.000Z\",\"termsAndConditionsUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/finder-rewards\\\/finder-rbc-signature-no-limit-banking-account-reward-promotion-terms-and-conditions-april-2026\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"referAFriendValue\":\"25\"}};<\/script> <a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/chequing-accounts\/rbc-signature-no-limit-banking-ca-chequing-accounts-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22RBC%2BSignature%2BNo%2BLimit%2BBanking%2BAccount%22%2C%22site%22%3A%22CAFSA-CHQ%22%2C%22offer_id%22%3A%2226912%22%2C%22niche_code%22%3A%22CAFSA-CHQ%22%2C%22product_id%22%3A%22a1e23cc0-b6b4-41c2-9d0a-4293f4965664%22%2C%22product_name%22%3A%22RBC%2BSignature%2BNo%2BLimit%2BBanking%2BAccount%22%2C%22provider_id%22%3A%228b4b4157-64d7-4b2b-b7b5-2d7020638f2c%22%2C%22provider_name%22%3A%22RBC%22%2C%22post_id%22%3A%22786751%22%2C%22post_path%22%3A%22banking%252Fjoint-bank-accounts%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1013523%2C%22name%22%3A%22account-offer-text%22%2C%22country%22%3A%22ca%22%7D%7D\" class=\"rewards--cta\">RBC Signature No Limit Banking Account<\/a><\/div>:<\/strong> <b>Get an Apple Watch Series 11 GPS<\/b> when you open your first RBC Signature No Limit Banking Account, plus get Apple Music and Apple Fitness+ at no cost for 3 months with your new Apple Watch. <b>Apply by June 1, 2026.<\/b>\n<\/li><\/ul><h3 id=\"who\">Who should consider joint accounts?<\/h3><p>A joint bank account requires trust. If you\u2019re thinking of opening a joint account in Canada \u2013 let\u2019s say with a roommate or someone you\u2019re dating \u2013 think about the future and if you have similar goals. But also consider the past. Figure out if this person has a history of bad financial choices.<\/p><hr><h4 id=\"should\"><img decoding=\"async\" class=\" wp-image-1041638 alignright\" title=\"Image: Finder\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/Bank-building-icon_Finder_500x500.png\" alt=\"bank building icon\" width=\"110\" height=\"110\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/Bank-building-icon_Finder_500x500.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/Bank-building-icon_Finder_500x500.png?fit=330 330w\" sizes=\"(max-width: 330px) 100vw, 330px\" loading=\"lazy\">Joint bank accounts for partners<\/h4><p>If you\u2019re in a long-term relationship and you trust your significant other, a joint bank account can be an excellent tool to help you manage your money effectively and achieve shared financial goals.<\/p><p>You won\u2019t have to pay bank fees twice, and it can be convenient if one of you has to be away for an extended time, the other person can take care of all the financial responsibilities.<\/p><p>The key to a successful joint bank account is trust. It\u2019s important that both account holders establish clear ground rules and have open lines of communication. Drawing up a budget and sticking to it might be easier when you pool your money together.<\/p><p>If you have even the smallest doubt about your partner, don\u2019t give them full access to your money with a joint bank account. Instead, consider keeping your primary salary account separate, but use a joint account for a limited amount of common funds to pay shared bills.<\/p><hr><h4 id=\"should\"><img decoding=\"async\" class=\" wp-image-1041649 alignright\" title=\"Image: Finder\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/house-icon_Finder_500x500.png\" alt=\"house icon\" width=\"110\" height=\"110\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/house-icon_Finder_500x500.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/house-icon_Finder_500x500.png?fit=330 330w\" sizes=\"(max-width: 330px) 100vw, 330px\" loading=\"lazy\">Joint bank accounts for married couples<\/h4><p>Marriage represents the merging of two lives, often combining finances to make paying bills easier and saving up for financial goals. But just because you tie the knot doesn\u2019t mean you have to open a joint bank account.<\/p><p>If you and your spouse aren\u2019t on the same page financially, you may be better off keeping your accounts separate and opening one shared account where you deposit money for bills and other routine payments.<\/p><p>If you decide to open a joint bank account with your spouse, make sure you and your spouse communicate frequently. Minimize any potential disagreements by discussing your saving and spending expectations beforehand.<\/p><hr><h4 id=\"should\"><img decoding=\"async\" class=\" wp-image-1041648 alignright\" title=\"Image: Finder\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/helping-hand-icon_Finder_500x500.png\" alt=\"helping hand icon\" width=\"110\" height=\"110\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/helping-hand-icon_Finder_500x500.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/helping-hand-icon_Finder_500x500.png?fit=330 330w\" sizes=\"(max-width: 330px) 100vw, 330px\" loading=\"lazy\"><\/h4><h4 id=\"should\">Joint bank accounts with a child<\/h4><p>Opening a joint bank account with your child can be a great way to monitor their account activity and help them develop basic money management skills. However, not all banks or fintech companies allow a minor to be added as a joint account holder. Read <a href=\"https:\/\/www.finder.com\/ca\/banking\/kids-banking\">our guide to opening kids bank accounts in Canada to learn more<\/a>.<\/p><p>Be sure to ask what the rules are around opening a joint bank account in Canada with a minor, and consider opting for a money app or bank that offers parents and children this type of joint account option.<\/p><hr><h4><img decoding=\"async\" class=\" wp-image-1041657 alignright\" title=\"Image: Finder\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/security-gaurd-check-icon_Finder_500x500.png\" alt=\"security check mark icon\" width=\"110\" height=\"110\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/security-gaurd-check-icon_Finder_500x500.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/security-gaurd-check-icon_Finder_500x500.png?fit=330 330w\" sizes=\"(max-width: 330px) 100vw, 330px\" loading=\"lazy\">Joint bank accounts with a Power of Attorney<\/h4><p>It can often be convenient to open a joint account with someone who is playing the role of a primary caretaker. For example, older parents may open a joint account with an adult child, or whoever is acting as Power of Attorney, to help them pay bills and manage their money as they age.<\/p><p>The bank will typically require both the Power of Attorney and the primary account holder to be present and provide all required ID documentation when signing up for the account.<\/p><p>The amount of authority the bank gives the Power of Attorney will extend only as far as the original Power of Attorney agreement allows\u2014which often means access to all general banking tasks, but could mean access to only select, limited tasks.<\/p><p>Setting up a joint account with your Power of Attorney can be a wise step in your estate planning and getting yourself financially prepared for whatever the future holds. Just make sure to have detailed conversations with your primary caretaker on a regular basis to ensure you\u2019re both on the same page about who will manage which financial tasks.<\/p><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Dive deeper: <\/span><a href=\"https:\/\/www.finder.com\/ca\/banking\/mother-and-daughter-joint-bank-accounts-canada\" style=\"text-decoration:underline; font-size:0.9em;\">Looking for a mother-daughter joint account? Check out our full guide here<\/a>\n<\/div>\n<\/article><hr><h3>Can you open a 3-way joint bank account in Canada<\/h3><p>Yes, you can open any eligible joint account with three or more people by following the same steps as you would to open a standard joint account. Each account holder will need to provide personal information and ID, typically from a passport, driver\u2019s license or provincial\/territorial ID card.<\/p><p>Some common reasons for using a 3-person joint account include:<\/p><ul><li style=\"padding-bottom: 14px;\">Youth accounts, where both parents are listed as account holders with the child, to ensure that if one parent is absent, the account is still accessible<\/li><li style=\"padding-bottom: 14px;\">Roommates who pay for shared living expenses and rent<\/li><li style=\"padding-bottom: 14px;\">Family members who want shared access to an <a href=\"https:\/\/www.finder.com\/ca\/savings-accounts\/best-account-for-emergency-fund\">emergency fund<\/a><\/li><li style=\"padding-bottom: 14px;\">Friends who want to pay for an event or vacation<\/li><\/ul><h3>Types of joint accounts in Canada<\/h3><p>You might see different terminology when looking at joint accounts. Here\u2019s a breakdown of the different types of joint accounts you may come across.<\/p><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Joint tenancy<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>A joint tenancy account is most commonly used by couples and close family members. If one account owner dies, the account is still open and accessible to the other account holder and 100% of the funds go to the surviving account owner. In most circumstances, funds held in a joint tenancy account do not pass through probate.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Tenancy in common<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>A tenancy in common joint bank account is most commonly used by the elderly or incapacitated individuals who need someone to act on their behalf. It can also commonly be used by roommates or groups of individuals that need to pool resources and access funds for shared expenses.<\/p><p>This type of joint account does not provide survivorship rights, so the money is divvied up according to the estate plan once the account owner dies and does not pass automatically to the surviving joint account holders.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><h4>Two types of access to funds<\/h4><p>There are two methods of setting up a joint bank account in Canada that can impact accessibility to funds.<\/p><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Both parties required to sign<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Requiring both account holders to sign for withdrawal is a good option if you value peace of mind over ease and accessibility. This type of joint account requires both account holders to sign for the approval of a transaction before it can be completed. This structure is popular with business accounts, or accounts held by volunteer groups.<\/p><p>However, the drawback to this extra layer of security is a lack of easy accessibility. For instance, if you\u2019re away and your partner needs money urgently, a withdrawal or payment can\u2019t be made without your signature. As such, you need to decide whether the added level of security is worth it.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Either party can sign<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>For a joint account where either party can sign, anyone named on the account can perform a transaction on their own, without the knowledge or approval of the other person.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><h3 id=\"wrong\">Complications with joint accounts<\/h3><p>Here are a few questions you might have about common complications you could come across with a joint account.<\/p><article class=\"luna-card luna-card--border\"><div class=\"luna-card__block\"><h4 id=\"what-happens-to-joint-account-when-someone-dies\">What happens to a joint bank account when one person dies in Canada?<\/h4><p>Most joint accounts opened between a married couple have automatic right of survivorship for the remaining spouse after the other dies. That means that the surviving spouse can continue to use the account and account funds as normal after their partner\u2019s death, without having to transfer ownership or worry about the account funds going into probate or being frozen until the estate is settled.<\/p><p>If you want someone other than your spouse \u2013 like an adult child, Executor of the Will or Power of Attorney \u2013 to have unhindered access to a joint account after you die, it\u2019s a good idea to contact the bank to set up a right of survivorship on the account for that person. That is true even if that person was a joint holder on the account before the other dies. That\u2019s because courts in Canada don\u2019t automatically assume right of survivorship for anyone other than a spouse after someone dies.<\/p><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Dive deeper: <\/span><a href=\"https:\/\/www.finder.com\/ca\/banking\/what-happens-to-my-bank-account-if-i-die\" style=\"text-decoration:underline; font-size:0.9em;\">Guide to what happens to bank accounts after death<\/a>\n<\/div>\n<\/article><\/div><\/article><article class=\"luna-card luna-card--border\"><div class=\"luna-card__block\"><h4>What happens to a joint account after a divorce?<\/h4><p>If you close your joint account or withdraw a large sum <em>during<\/em> a divorce, a judge could require you to return the funds. That\u2019s why most lawyers recommend not doing anything drastic with joint accounts until the divorce is final and a plan has been made.<\/p><p>Joint accounts are a mess to separate after divorce. Each spouse is typically entitled to 50% of the account balance, but this doesn\u2019t always work out. If one person has bank statements proving they entered the marriage with more money, they could leave with more than half of the funds.<\/p><\/div><\/article><article class=\"luna-card luna-card--border\"><div class=\"luna-card__block\"><h4>Are joint account holders responsible for each other\u2019s debts?<\/h4><p>In Canada, any debt linked to a joint account is the responsibility of both account holders. In most cases, either account holder is free to attach a debt to the account without the other knowing \u2013 and then you\u2019re <em>both<\/em> stuck with repayment and poor credit if you have trouble paying back the debt.<\/p><p>Some important implications for joint account debts include the following:<\/p><ul class=\"list-3\"><li style=\"padding-bottom: 14px;\">If one account holder misses debt repayments or defaults altogether, then both account holders\u2019 credit scores will go down.<\/li><li style=\"padding-bottom: 14px;\">Both account holders are responsible for overdrawn funds, regardless of who went into the overdraft.<\/li><li style=\"padding-bottom: 14px;\">If one account holder goes bankrupt or has outstanding debt linked to the account, creditors could claim funds from the account to pay back the debt.<\/li><\/ul><\/div><\/article><article class=\"luna-card luna-card--border\"><div class=\"luna-card__block\"><h4>Should I open a joint account with my partner?<\/h4><p>It\u2019s critical that partners and couples are completely open about their spending habits. If one person is committed to saving, and the other can\u2019t keep their spending under control, there are bound to be issues.<\/p><p>Some couples are hesitant to open a joint account because things can get complicated if they separate \u2013 but it\u2019s important to agree on a strategy before opening a joint bank account in Canada.<\/p><p>You need to be careful if someone is trying to push you into opening a joint bank account. Someone who might have money problems could see you as the answer to their problems and try to use emotionally persuasive language to convince you to grant them access to your funds.<\/p><\/div><\/article><p>\u00a0<\/p><h3>How do taxes work with a joint account?<\/h3><p>As a general principle, income that goes into a joint account is still taxed individually. So let\u2019s say you and your spouse both have your salaries deposited into a joint account. In that case, both of you will be responsible for filing your personal income tax returns based on each person\u2019s income and contributions into the account.<\/p><p>In short, even if you have a joint account with someone, you are still responsible for filing an individual tax return based on your income, not the other person\u2019s income.<\/p><p>That said, if the Canada Revenue Agency (CRA) decides to freeze an account to recover owed taxes, it can freeze a joint account even if only one of the account holders owes the CRA back taxes. If that happens, both account holders won\u2019t be able to access the account.<\/p><p>Keep in mind that tax filings can get very complicated very quickly, so it\u2019s best to consult a tax expert to make sure you meet all of your tax obligations.<\/p><h3>Bottom line<\/h3><p>Joint accounts can be a good idea, but only if you and the other account holder have the same financial goals and spending habits. If you\u2019re simply opening the account for the sake of convenience, remember that other options can provide the same level of convenience without the risk. However, if the trust is there, a joint bank account can make life easier, especially when working together to achieve certain financial goals.<\/p><p style=\"text-align: center;\"><a class=\"luna-button luna-button--primary luna-button--ghost luna-button--large scroll\" role=\"button\" href=\"#best\" rel=\"nofollow noopener\">Compare joint accounts<\/a><\/p><h3 id=\"commonquestions\">Frequently asked questions about joint accounts<\/h3><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000000\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000000\">\n                <span class=\"luna-accordion__title\">Can I take someone off a joint account in Canada?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000000\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Usually, no, though some banks will have accounts that allow for removal. The reason why it's generally not permissible to remove someone from an account is fraud prevention. Banks don't want to be responsible for helping someone steal money from other account holders by blocking them from the account. Check with your bank to find out what options are available to you.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">Do joint accounts impact your credit score?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>The short answer is no, a joint account (like any chequing account in Canada) does not directly impact your credit score at all. The only scenario where your credit score may be affected is if the account is in overdraft and remains unpaid, without any attempt to repay it, for a few months. In that case, the bank may send the overdraft amount to collections, which will show up as a negative mark on both account holders' credit reports.<\/p><p>Alternatively, a joint account could indirectly impact your credit score if you have debt repayments that are automatically withdrawn from the joint account. If the payment bounces for lack of funds in the joint account, the person whose name is on the debt could receive a negative mark on their credit score.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">Can I add someone to my existing bank account?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes, most banks will let you turn your existing account into a joint bank account in Canada by adding someone to the account.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">Does the CDIC cover joint accounts?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes, the CDIC (Canada Deposit Insurance Corporation) offers up to $100,000 of insurance coverage on joint accounts, regardless of how many people signed up for the account and which of those people make the deposits.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000004\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000004\">\n                <span class=\"luna-accordion__title\">How much of our individual income should we deposit into our joint account?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000004\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>To decide how much will be deposited in the account, work out a fair, realistic percentage of your income that you can put in the account each payday. This percentage should be determined by how much you each make, the nature or purpose of the items in your budget and your goals. However, talking through your financial plan of action and clarifying your goals can prevent misunderstandings and money issues.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000005\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000005\">\n                <span class=\"luna-accordion__title\">Is it possible to get additional debit cards on an individual account rather than a joint account?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000005\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Some banks will allow you to have additional debit cards. While not strictly a joint account, it still gives another person power over your money. So, make sure you do the following to ensure things go smoothly:<\/p><ul><li style=\"padding-bottom: 14px;\">Never give out cards to people you don't know or trust.<\/li><li style=\"padding-bottom: 14px;\">Don't give out cards if you're not able to <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/credit-builder-credit-cards\" target=\"_blank\" rel=\"noopener noreferrer\">manage your own credit card properly<\/a>.<\/li><li style=\"padding-bottom: 14px;\">Remember that in most cases, you are the only one responsible for obligations or debts on the account. No matter who spends the money, you'll still have to pay it back, so think twice before giving out cards.<\/li><\/ul><p>An alternative to opening a joint account that you share completely is to open one account that you share only for bills. That way, you deposit just the money needed for bills, and the rest is yours to spend or save.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000006\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000006\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div><style>\n  \/* Modal Container *\/\n  .fenceModal {\n      justify-content: center;\n      outline: 0;\n      position: absolute;\n      z-index: 81;\n      width: 100%;\n      display: none;\n  }\n  \n  \/* Modal Content *\/\n  .fenceModal-content {\n      display: -webkit-box;\n      display: -webkit-flex;\n      display: -ms-flexbox;\n      display: flex;\n      -webkit-box-orient: vertical;\n      -webkit-box-direction: normal;\n      -webkit-flex-direction: column;\n      -ms-flex-direction: column;\n      flex-direction: column;\n      margin: 1rem;\n      max-height: 100%\n  }\n  \n  .fenceModal-buttonText {\n      font-weight: bold;\n      font-size: 18px;\n  }\n  \n  .blurred {\n    filter: blur(5px) !important;\n    pointer-events: none;\n    background: rgba(0,0,0,0.5);\n  }\n  \n  .geoDisclaimer {\n    display: none;\n    }\n  \n  #default-section {\n    display: block;\n  }\n  \n  #alt-section {\n    display: none;\n  }\n  \n  .standardMasthead__widgetSection {\n    height: auto !important;\n  }\n  <\/style>\n  \n        \n    \n      \n  \n    \n        \n        \n    \n    \n              \n              \n    \n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          \n          <span id=\"objectHolder\" objectdata=\"[]\"><\/span>\n                        \n    \n    \n    \n    <script>\n    document.addEventListener(\"DOMContentLoaded\", function() {\n      \n    \/\/ Finds user location and applies alt table if user is detected outside of US\n    var response;\n    var xhr = new XMLHttpRequest();\n    xhr.withCredentials = true;\n    xhr.addEventListener(\"readystatechange\", function() {\n      if(this.readyState === 4) {\n        response = JSON.parse(this.responseText);\n        callback(response);\n      }\n    });\n    xhr.open(\"POST\", \"https:\/\/www.finder.com\/wp-json\/finder\/v1\/geoip\/fetch\");\n    xhr.send();\n    function callback(response) {\n        \n            runGeofencing(response);\n      \n      function runGeofencing(response){\n      if (!response.subdivisions[0]) {\n        var responseLocation = [response.country.code];\n      } else {\n                  if (response.country.code != 'MX') {\n            var responseLocation = [response.subdivisions[0].name, response.subdivisions[0].code, response.country.code];\n          } else {\n            var responseLocation = [response.country.code];\n          }\n              }\n        var bannedHolder = JSON.parse(document.getElementById(\"objectHolder\").getAttribute(\"objectData\").replaceAll('\\'','\"')); 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i < linkList.length; i++) {\n              const link = linkList[i];\n              if (bannedListPostGeoCheck.some(k => link.getAttribute('href').includes(k))) {\n                link.href = '';\n              }\n            }\n        }\n      }\n          }\n    \n  });\n\n  function reassignSourceCountry(country){\n    var newRedirectCountry = 'src_country=' + country.toLowerCase() + '&';\n    var regexCountry = \/src_country=.*?&{1}\/;\n    var links = document.querySelectorAll('a')\n    links.forEach((item) => {\n      if(item.href.includes('src_country=')){\n          item.href = item.href.replace(regexCountry,newRedirectCountry);\n      }\n    })\n  };\n  <\/script>\n  \n<div class=\"contentFeed contentFeed--relatedPosts\">\n            <h3 class=\"contentFeed__title\">More banking guides from our experts<\/h3>\n        <div class=\"contentFeed__carousel\" data-post-count=\"6\">\n                                    <div class=\"fin-carousels fin-carousels--multiple-items-in-view\" id=\"fin-carousel0000000000\" data-items-in-view=\"3\" style=\"--items-in-view: 3\">\n    <div class=\"fin-carousels__container\">\n        <div class=\"fin-carousels__slides\">\n                                <div class=\"fin-carousel-item\">\n                <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/ca\/banking\/banking-statistics\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/03\/Bank-Canada_Finder_450x250.jpg?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/03\/Bank-Canada_Finder_450x250.jpg?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/03\/Bank-Canada_Finder_450x250.jpg?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/03\/Bank-Canada_Finder_450x250.jpg\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/03\/Bank-Canada_Finder_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/03\/Bank-Canada_Finder_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/03\/Bank-Canada_Finder_450x250.jpg?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"Bank Canada. Banking statistics in Canada.\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Banking<\/span>                            <\/div>                        <header>            <p class=\"luna-card__title luna-card__title--small\">                <a href=\"https:\/\/www.finder.com\/ca\/banking\/banking-statistics\">Banking statistics and trends in Canada for 2025<\/a>            <\/p>        <\/header>        <p>Explore key banking statistics and figures from the Finder: Consumer Sentiment Survey January 2025.<\/p>                    <\/div>        <\/article>            \n<\/div>\n                    <div class=\"fin-carousel-item\">\n                <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/best-no-fee-chequing-accounts\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Best-No-Fee-Chequing-Accounts-4_Finder_450x250.jpg?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Best-No-Fee-Chequing-Accounts-4_Finder_450x250.jpg?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Best-No-Fee-Chequing-Accounts-4_Finder_450x250.jpg?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Best-No-Fee-Chequing-Accounts-4_Finder_450x250.jpg\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Best-No-Fee-Chequing-Accounts-4_Finder_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Best-No-Fee-Chequing-Accounts-4_Finder_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Best-No-Fee-Chequing-Accounts-4_Finder_450x250.jpg?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Chequing Accounts<\/span>                            <\/div>                        <header>            <p class=\"luna-card__title luna-card__title--small\">                <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/best-no-fee-chequing-accounts\">Best free (no-fee) chequing accounts in Canada for 2026<\/a>            <\/p>        <\/header>        <p>Compare the features of 8 of the best no-fee chequing accounts in Canada, and find out how to avoid transaction fees.<\/p>                    <\/div>        <\/article>            \n<\/div>\n                    <div class=\"fin-carousel-item\">\n                <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/ca\/banking\/new-bank-account-offers\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/Bestnewbankaccountoffers2_Supplied_450x250.jpg?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/Bestnewbankaccountoffers2_Supplied_450x250.jpg?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/Bestnewbankaccountoffers2_Supplied_450x250.jpg?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/Bestnewbankaccountoffers2_Supplied_450x250.jpg\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/Bestnewbankaccountoffers2_Supplied_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/Bestnewbankaccountoffers2_Supplied_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/Bestnewbankaccountoffers2_Supplied_450x250.jpg?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"Best new bank account offers\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Banking<\/span>                            <\/div>                        <header>            <p class=\"luna-card__title luna-card__title--small\">                <a href=\"https:\/\/www.finder.com\/ca\/banking\/new-bank-account-offers\">17 best new bank account offers for May 2026<\/a>            <\/p>        <\/header>        <p>Earn cash, rewards points, bonus interest rates and more with these new bank account offers and promotions.<\/p>                    <\/div>        <\/article>            \n<\/div>\n                    <div class=\"fin-carousel-item\">\n                <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/ca\/banking\/kids-banking\/best-bank-account-for-teens\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/12\/Teen-Kid-Holding-Piggy-Bank_Supplied_450x250.jpg?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/12\/Teen-Kid-Holding-Piggy-Bank_Supplied_450x250.jpg?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/12\/Teen-Kid-Holding-Piggy-Bank_Supplied_450x250.jpg?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/12\/Teen-Kid-Holding-Piggy-Bank_Supplied_450x250.jpg\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/12\/Teen-Kid-Holding-Piggy-Bank_Supplied_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/12\/Teen-Kid-Holding-Piggy-Bank_Supplied_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/12\/Teen-Kid-Holding-Piggy-Bank_Supplied_450x250.jpg?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"Teen Kid Holding Piggy Bank\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Kids Banking<\/span>                            <\/div>                        <header>            <p class=\"luna-card__title luna-card__title--small\">                <a href=\"https:\/\/www.finder.com\/ca\/banking\/kids-banking\/best-bank-account-for-teens\">Best youth bank accounts in Canada<\/a>            <\/p>        <\/header>        <p>Learn about the different types of bank accounts for your teenager and how to choose the right one.<\/p>                    <\/div>        <\/article>            \n<\/div>\n                    <div class=\"fin-carousel-item\">\n                <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/best-chequing-accounts\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/07\/Best-Chequing-Accounts-Canada-2_Finder_450x250.jpg?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/07\/Best-Chequing-Accounts-Canada-2_Finder_450x250.jpg?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/07\/Best-Chequing-Accounts-Canada-2_Finder_450x250.jpg?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/07\/Best-Chequing-Accounts-Canada-2_Finder_450x250.jpg\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/07\/Best-Chequing-Accounts-Canada-2_Finder_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/07\/Best-Chequing-Accounts-Canada-2_Finder_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/07\/Best-Chequing-Accounts-Canada-2_Finder_450x250.jpg?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Chequing Accounts<\/span>                            <\/div>                        <header>            <p class=\"luna-card__title luna-card__title--small\">                <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/best-chequing-accounts\">Best chequing accounts in Canada for 2026<\/a>            <\/p>        <\/header>        <p>Compare chequing accounts and learn about our top picks. Compare different features and see which one is right for you.<\/p>                    <\/div>        <\/article>            \n<\/div>\n                    <div class=\"fin-carousel-item\">\n                <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/ca\/banking\/open-bank-account-online\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Typing-On-Laptop_Supplied_Canva_450x250.jpg?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Typing-On-Laptop_Supplied_Canva_450x250.jpg?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Typing-On-Laptop_Supplied_Canva_450x250.jpg?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Typing-On-Laptop_Supplied_Canva_450x250.jpg\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Typing-On-Laptop_Supplied_Canva_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Typing-On-Laptop_Supplied_Canva_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Typing-On-Laptop_Supplied_Canva_450x250.jpg?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"Typing on laptop\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Banking<\/span>                            <\/div>                        <header>            <p class=\"luna-card__title luna-card__title--small\">                <a href=\"https:\/\/www.finder.com\/ca\/banking\/open-bank-account-online\">Open a bank account online in Canada in 5 easy steps<\/a>            <\/p>        <\/header>        <p>Compare and open a bank account online in Canada in as little as 5 minutes. Learn what you need to apply and how to get started today. <\/p>                    <\/div>        <\/article>            \n<\/div>\n                \n        <\/div>\n    <\/div>\n    <div class=\"fin-carousels__controls\">\n        <button class=\"fin-carousels__nav fin-carousels__nav--prev fin-carousels__nav--disabled\" aria-label=\"Previous slide\">\n            <svg class=\"luna-icon\" style=\"--fill: var(--color-background-main)\">\n                <use href=\"#chevron-left\"><\/use>\n            <\/svg>\n        <\/button>\n        <button class=\"fin-carousels__nav fin-carousels__nav--next fin-carousels__nav--disabled\" aria-label=\"Next slide\">\n            <svg class=\"luna-icon\" style=\"--fill: var(--color-background-main)\">\n                <use href=\"#chevron-right\"><\/use>\n            <\/svg>\n        <\/button>\n    <\/div>\n\n    <div class=\"fin-carousels__dots\" role=\"tablist\" aria-label=\"Carousel navigation\"><!-- Dots will be generated by JavaScript -->\n    <\/div>\n<\/div>\n\n    <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Opening a joint bank account is a big step for any couple. Find out more about what to look for in an account and how to avoid the common pitfalls.<\/p>\n","protected":false},"author":327,"featured_media":1022818,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[5550],"tags":[5937,107302],"asset_tag":[],"class_list":["post-786751","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking","tag-bank-accounts","tag-cst-research"],"apple_news_notices":[],"yoast_head":"<!-- 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Review the product T&Cs and consider the risks and seek independent advice before you make any decision.  Finder may be compensated when you click to or take an action on some or all of the products in this video, but this does not influence our evaluations or ratings. Our opinions are our own. Product information is correct at the time of recording but may be subject to change. Visit the partner\u2019s website to obtain the most up to date information.\\n-------------------------------------------\",\"uploadDate\":\"2025-12-19T18:00:28Z\",\"duration\":\"PT6M21S\",\"url\":\"https:\/\/youtu.be\/Fhv-_0ldIxM?si=LFg9w6_kJ0nqfjmu\",\"contentUrl\":\"https:\/\/www.youtube.com\/watch?v=Fhv-_0ldIxM\",\"embedUrl\":\"https:\/\/www.youtube.com\/embed\/Fhv-_0ldIxM\",\"thumbnailUrl\":\"https:\/\/i.ytimg.com\/vi\/Fhv-_0ldIxM\/maxresdefault.jpg\"},{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"name\":\"Frequently Asked Questions\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Can I take someone off a joint account in Canada?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\r\\rUsually, no, though some banks will have accounts that allow for removal. The reason why it's generally not permissible to remove someone from an account is fraud prevention. Banks don't want to be responsible for helping someone steal money from other account holders by blocking them from the account. Check with your bank to find out what options are available to you.\\r\\r\"}},{\"@type\":\"Question\",\"name\":\"Do joint accounts impact your credit score?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\r\\rThe short answer is no, a joint account (like any chequing account in Canada) does not directly impact your credit score at all. The only scenario where your credit score may be affected is if the account is in overdraft and remains unpaid, without any attempt to repay it, for a few months. In that case, the bank may send the overdraft amount to collections, which will show up as a negative mark on both account holders' credit reports.\\r\\rAlternatively, a joint account could indirectly impact your credit score if you have debt repayments that are automatically withdrawn from the joint account. If the payment bounces for lack of funds in the joint account, the person whose name is on the debt could receive a negative mark on their credit score.\\r\\r\"}},{\"@type\":\"Question\",\"name\":\"Can I add someone to my existing bank account?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\r\\rYes, most banks will let you turn your existing account into a joint bank account in Canada by adding someone to the account.\\r\\r\"}},{\"@type\":\"Question\",\"name\":\"Does the CDIC cover joint accounts?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\r\\rYes, the CDIC (Canada Deposit Insurance Corporation) offers up to $100,000 of insurance coverage on joint accounts, regardless of how many people signed up for the account and which of those people make the deposits.\\r\\r\"}},{\"@type\":\"Question\",\"name\":\"How much of our individual income should we deposit into our joint account?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\r\\rTo decide how much will be deposited in the account, work out a fair, realistic percentage of your income that you can put in the account each payday. This percentage should be determined by how much you each make, the nature or purpose of the items in your budget and your goals. However, talking through your financial plan of action and clarifying your goals can prevent misunderstandings and money issues.\\r\\r\"}},{\"@type\":\"Question\",\"name\":\"Is it possible to get additional debit cards on an individual account rather than a joint account?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\r\\rSome banks will allow you to have additional debit cards. While not strictly a joint account, it still gives another person power over your money. So, make sure you do the following to ensure things go smoothly:\\r<ul>\\r \\t<li style=\\\"padding-bottom: 14px;\\\">Never give out cards to people you don't know or trust.<\/li>\\r \\t<li style=\\\"padding-bottom: 14px;\\\">Don't give out cards if you're not able to <a href=\\\"https:\/\/www.finder.com\/ca\/credit-cards\/credit-builder-credit-cards\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">manage your own credit card properly<\/a>.<\/li>\\r \\t<li style=\\\"padding-bottom: 14px;\\\">Remember that in most cases, you are the only one responsible for obligations or debts on the account. No matter who spends the money, you'll still have to pay it back, so think twice before giving out cards.<\/li>\\r<\/ul>\\rAn alternative to opening a joint account that you share completely is to open one account that you share only for bills. 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Review the product T&Cs and consider the risks and seek independent advice before you make any decision.  Finder may be compensated when you click to or take an action on some or all of the products in this video, but this does not influence our evaluations or ratings. Our opinions are our own. Product information is correct at the time of recording but may be subject to change. Visit the partner\u2019s website to obtain the most up to date information.\n-------------------------------------------","uploadDate":"2025-12-19T18:00:28Z","duration":"PT6M21S","url":"https:\/\/youtu.be\/Fhv-_0ldIxM?si=LFg9w6_kJ0nqfjmu","contentUrl":"https:\/\/www.youtube.com\/watch?v=Fhv-_0ldIxM","embedUrl":"https:\/\/www.youtube.com\/embed\/Fhv-_0ldIxM","thumbnailUrl":"https:\/\/i.ytimg.com\/vi\/Fhv-_0ldIxM\/maxresdefault.jpg"},{"@context":"https:\/\/schema.org","@type":"FAQPage","name":"Frequently Asked Questions","mainEntity":[{"@type":"Question","name":"Can I take someone off a joint account in Canada?","acceptedAnswer":{"@type":"Answer","text":"\r\rUsually, no, though some banks will have accounts that allow for removal. The reason why it's generally not permissible to remove someone from an account is fraud prevention. Banks don't want to be responsible for helping someone steal money from other account holders by blocking them from the account. Check with your bank to find out what options are available to you.\r\r"}},{"@type":"Question","name":"Do joint accounts impact your credit score?","acceptedAnswer":{"@type":"Answer","text":"\r\rThe short answer is no, a joint account (like any chequing account in Canada) does not directly impact your credit score at all. The only scenario where your credit score may be affected is if the account is in overdraft and remains unpaid, without any attempt to repay it, for a few months. In that case, the bank may send the overdraft amount to collections, which will show up as a negative mark on both account holders' credit reports.\r\rAlternatively, a joint account could indirectly impact your credit score if you have debt repayments that are automatically withdrawn from the joint account. If the payment bounces for lack of funds in the joint account, the person whose name is on the debt could receive a negative mark on their credit score.\r\r"}},{"@type":"Question","name":"Can I add someone to my existing bank account?","acceptedAnswer":{"@type":"Answer","text":"\r\rYes, most banks will let you turn your existing account into a joint bank account in Canada by adding someone to the account.\r\r"}},{"@type":"Question","name":"Does the CDIC cover joint accounts?","acceptedAnswer":{"@type":"Answer","text":"\r\rYes, the CDIC (Canada Deposit Insurance Corporation) offers up to $100,000 of insurance coverage on joint accounts, regardless of how many people signed up for the account and which of those people make the deposits.\r\r"}},{"@type":"Question","name":"How much of our individual income should we deposit into our joint account?","acceptedAnswer":{"@type":"Answer","text":"\r\rTo decide how much will be deposited in the account, work out a fair, realistic percentage of your income that you can put in the account each payday. This percentage should be determined by how much you each make, the nature or purpose of the items in your budget and your goals. However, talking through your financial plan of action and clarifying your goals can prevent misunderstandings and money issues.\r\r"}},{"@type":"Question","name":"Is it possible to get additional debit cards on an individual account rather than a joint account?","acceptedAnswer":{"@type":"Answer","text":"\r\rSome banks will allow you to have additional debit cards. While not strictly a joint account, it still gives another person power over your money. So, make sure you do the following to ensure things go smoothly:\r<ul>\r \t<li style=\"padding-bottom: 14px;\">Never give out cards to people you don't know or trust.<\/li>\r \t<li style=\"padding-bottom: 14px;\">Don't give out cards if you're not able to <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/credit-builder-credit-cards\" target=\"_blank\" rel=\"noopener noreferrer\">manage your own credit card properly<\/a>.<\/li>\r \t<li style=\"padding-bottom: 14px;\">Remember that in most cases, you are the only one responsible for obligations or debts on the account. No matter who spends the money, you'll still have to pay it back, so think twice before giving out cards.<\/li>\r<\/ul>\rAn alternative to opening a joint account that you share completely is to open one account that you share only for bills. That way, you deposit just the money needed for bills, and the rest is yours to spend or save.\r\r"}}]}]},"article_modified_time":"2026-02-24T21:00:23+00:00"},"custom_fields":{"_content_type":["niche-content\/information\/analysis"],"_masthead_variant":["{\"id\":\"standard-blue\",\"showFeaturedImage\":false,\"presetId\":\"\",\"shouldUsePrimaryCTAFieldName\":false,\"shouldUseSecondaryCTAFieldName\":false,\"primaryCTA\":null,\"secondaryCTA\":null,\"widgetShortcode\":\"\",\"widgetHeading\":\"\",\"widgetStats\":\"\",\"hasPrioritizedWidget\":false,\"hasMaximizedWidget\":false,\"shouldUseOverrideCTALabel\":false,\"overrideCTA\":null,\"cleanTopPicks\":\"\",\"tilesMenuId\":\"\"}"],"_masthead_subheading":["{\"text\":\"Opening a joint account is best for people who are working towards similar financial goals together. 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