Simple, low-fee checking accounts that make everyday banking effortless.
Our checking accounts pair everyday convenience with modern tools: mobile deposits, instant card controls, free online bill pay and a fee-free debit card. Pick the account that fits how you live, spend and get paid.
Your go-to account for daily spending with no monthly fee.
Earn interest on your balance while you spend, with no minimums.
Fee-free checking built for students aged 18 to 24.
Deposit cheques in seconds using the Harborlight app.
Send money to friends in real time, for free.
Contactless card with instant freeze controls.
Real-time fraud alerts and zero-liability protection.
| Detail | Value |
|---|---|
| Monthly maintenance fee | $0 |
| Minimum opening deposit | $25 |
| Minimum balance | $0 |
| Interest (Everyday) | 0.01% APY |
| Interest (Interest Checking) | 0.05% APY |
| Overdraft fee | $35 (waived with protection) |
| ATM access | 30,000+ fee-free ATMs |
Complete a secure application in about five minutes.
Transfer an opening deposit from any bank.
Your debit card arrives and activates in the app.
Pay bills, deposit cheques and manage everything in one place.
Apply online today and get a decision in minutes.
