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Dated issuer review · 2026-10-26

Unlimited Account

Only the facts specifically recorded in this review were checked. This is not a live quote or a complete account agreement.

Standard monthly fee, as checked

$15.95

Included transaction count, as checked

Unlimited count, subject to terms

Monthly-fee waiver balance, as checked

$4,000.00

Minimum daily balance throughout the month

Included e-Transfer count, as checked

Unlimited count, subject to limits

• Minimum daily $4,000 balance must be maintained throughout the month to waive the monthly fee.
• A separate full-time post-secondary student waiver requires proof; eligibility conditions must be checked.
• Unlimited means included transaction counts, not unlimited transfer dollar limits. Opening is subject to identification and eligibility.

Dated issuer review · 2026-10-26

Practical Chequing Account

Only the facts specifically recorded in this review were checked. This is not a live quote or a complete account agreement.

Standard monthly fee, as checked

$4.00

Included transaction count, as checked

12

Monthly-fee waiver balance, as checked

Not established / not applicable

Included e-Transfer count, as checked

Not established

• Twelve general transactions include Interac e-Transfers; there is no separate transfer-count allowance recorded here.
• Qualifying public-transit debits are outside the general monthly limit.
• No minimum-balance fee waiver is established for this plan. Eligibility-based discounts are separate.
• The domestic non-BMO ATM fee can be supplemented by the ATM operator's charge. Digital-opening completion was not independently established from the reviewed page.

Needs a current product match · 2026-10-26

Conservative Values Account

Only the facts specifically recorded in this review were checked. This is not a live quote or a complete account agreement.

• The exact recorded product name was not confirmed on Bow Valley's current personal-chequing catalog. No closure or non-existence is inferred.
• The snapshot website bvcu.com identifies Bulkley Valley Credit Union, a different institution. Bow Valley's reviewed issuer website is bowvalleycu.com.
• All current financial fields remain null. BVCU Basics below is a separately identified current product, not a silent replacement for this historical record.

Dated issuer review · 2026-10-26

BVCU Basics

Only the facts specifically recorded in this review were checked. This is not a live quote or a complete account agreement.

Standard monthly fee, as checked

$3.00

Included transaction count, as checked

20

Monthly-fee waiver balance, as checked

Not established / not applicable

Included e-Transfer count, as checked

Not established

• The current issuer page gives a $3 monthly fee and 20 included debits, then a per-debit charge.
• The linked brochure is dated June 2025 and remains linked from the current issuer page; its date is not replaced with the website check date.
• No minimum-balance waiver is recorded for Basics. Group or multi-product discounts are separate conditions; no unlimited e-Transfer allowance is inferred.
• This is a new editorial product ID, not a correction to the unverified Conservative Values Account record.

Dated issuer review · 2026-10-26

CIBC Smart Account

Only the facts specifically recorded in this review were checked. This is not a live quote or a complete account agreement.

Standard monthly fee, as checked

$16.95

Included transaction count, as checked

Unlimited count, subject to terms

Monthly-fee waiver balance, as checked

$4,000.00

End-of-day balance each day of the month

Included e-Transfer count, as checked

Unlimited count, subject to limits

• The standard fee is for up to three qualifying Smart Accounts; the $4,000 end-of-day balance must be held each day in one Smart Account.
• The issuer announces a $17.95 standard monthly fee effective January 1, 2027. The stored $16.95 applies to this review date and may pass the known-change gate only through December 31, 2026. A fresh review is required from January 1; the announced future fee is not automatically substituted.
• Eligibility-based fee rebates, account-opening promotions and tier benefits are separate. The published online application was not submitted or tested.

A known change is recorded for 2027-01-01. These reviewed figures require a fresh check from that date; a future price is not automatically substituted.

Needs a current product match · 2026-10-26

Basic Agricultural Account

Only the facts specifically recorded in this review were checked. This is not a live quote or a complete account agreement.

• The exact recorded name was not confirmed on the issuer's current personal-chequing catalog. Absence from that page is not proof of closure or non-existence.
• All current financial fields remain null; the old record is preserved and must not establish a current offer or index.
• The reviewed official issuer site is lakelandcreditunion.com; the snapshot's lakelandcu.ca URL was not established as the current issuer website.

Dated issuer review · 2026-10-26

Infinity Account

Only the facts specifically recorded in this review were checked. This is not a live quote or a complete account agreement.

Standard monthly fee, as checked

$25.00

Included transaction count, as checked

Unlimited count, subject to terms

Monthly-fee waiver balance, as checked

$25,000.00

Balance timing was not established; confirm with the provider

Included e-Transfer count, as checked

Not established

• The issuer states $25 monthly or $0 with a balance of $25,000 or higher; the precise daily/monthly balance timing was not established and must be confirmed.
• Included unlimited transactions cover self-service and in-branch activity, including branch bill payments.
• Free Interac e-Transfers are advertised, but a separate numerical/unlimited transfer count is left unknown.
• This editorial ID is not an alias for Basic Agricultural Account.

Dated issuer review · 2026-10-26

Advantage Account

Only the facts specifically recorded in this review were checked. This is not a live quote or a complete account agreement.

Standard monthly fee, as checked

$0.00

Included transaction count, as checked

Not established

Monthly-fee waiver balance, as checked

Not established / not applicable

Included e-Transfer count, as checked

Not established

• There is no monthly account fee. The $1,000 threshold waives specified everyday transaction fees; it is not a monthly-fee waiver.
• Unconditional included-transaction and e-Transfer counts stay null because free unlimited everyday banking depends on the account balance.
• The issuer describes this as a combined savings/chequing product. No interest or promotional rate is imported.

Dated issuer review · 2026-10-26

RBC Day to Day Banking Account

Only the facts specifically recorded in this review were checked. This is not a live quote or a complete account agreement.

Standard monthly fee, as checked

$4.00

Included transaction count, as checked

12

Monthly-fee waiver balance, as checked

Not established / not applicable

Included e-Transfer count, as checked

999

• The standard monthly fee is $4. Value Program, eligibility and limited-duration offers may change the fee; none is represented as the standard price.
• No minimum-balance requirement is advertised; no cash-balance fee-waiver threshold is inferred.
• The legal text limits free e-Transfers to 999 per month, then $1 each, despite marketing them as unlimited. This verified count is not a legacy sentinel conversion.
• Free e-Transfers do not count toward the general 12-debit allowance. Other exclusions, including eligible transit, appear in the terms.

Dated issuer review · 2026-10-26

Preferred Package

Only the facts specifically recorded in this review were checked. This is not a live quote or a complete account agreement.

Standard monthly fee, as checked

$16.95

Included transaction count, as checked

Unlimited count, subject to terms

Monthly-fee waiver balance, as checked

$4,000.00

Minimum daily closing balance for the entire month

Included e-Transfer count, as checked

Unlimited count, subject to limits

• Standard pricing is before seniors' discounts, mortgage-related waivers or limited-duration offers.
• The cash-balance waiver requires at least $4,000 in the account every day of the entire month.
• Unlimited is a transaction-count benefit; transfer-dollar limits and other service conditions remain. The issuer publishes an online account application link; no application was submitted.

Needs a current product match · 2026-10-26

Member Value Chequing

Only the facts specifically recorded in this review were checked. This is not a live quote or a complete account agreement.

• The exact recorded name was not confirmed in the current chequing catalog and current/legacy plan comparison reviewed.
• The historical product remains separate from the current Personal Premium Unlimited Plan below. No automatic alias or discontinued status is assigned.
• All current financial fields are null pending an issuer-supported product match.

Dated issuer review · 2026-10-26

Personal Premium Unlimited Plan

Only the facts specifically recorded in this review were checked. This is not a live quote or a complete account agreement.

Standard monthly fee, as checked

$25.00

Included transaction count, as checked

Unlimited count, subject to terms

Monthly-fee waiver balance, as checked

$5,000.00

Minimum monthly balance

Included e-Transfer count, as checked

Unlimited count, subject to limits

• The waiver is stated as a $5,000 minimum monthly balance; no different averaging or daily-closing rule is invented.
• Unlimited transactions include electronic and in-branch transactions and Interac e-Transfers.
• A new editorial ID keeps this current plan separate from the unverified Member Value Chequing record.

Dated issuer review · 2026-10-26

No Fee Chequing Account

Only the facts specifically recorded in this review were checked. This is not a live quote or a complete account agreement.

Standard monthly fee, as checked

$0.00

Included transaction count, as checked

Unlimited count, subject to terms

Monthly-fee waiver balance, as checked

Not established / not applicable

Included e-Transfer count, as checked

Not established

• No monthly fee and no minimum balance; a monthly-fee waiver balance is not applicable.
• Unlimited debit purchases, bill payments and withdrawals are advertised. Free e-Transfer service is confirmed, but no separate numerical or explicit unlimited count is inferred.
• The $1.50 fee applies to Canadian Interac bank machines not displaying the CIBC name/logo; operator surcharges can apply.
• Two bank records represent Simplii in the snapshot. This is one issuer/product review and must not be counted as two independent choices. Online identity verification is advertised, subject to eligibility.

Dated issuer review · 2026-10-26

No-fee daily Chequing Account

Only the facts specifically recorded in this review were checked. This is not a live quote or a complete account agreement.

Standard monthly fee, as checked

$0.00

Included transaction count, as checked

Unlimited count, subject to terms

Monthly-fee waiver balance, as checked

Not established / not applicable

Included e-Transfer count, as checked

Unlimited count, subject to limits

• No monthly fee and no minimum balance; feeWaiverMinimumBalance is null because a waiver is not needed.
• Unlimited daily transaction types include debit purchases, bill payments, pre-authorized payments and e-Transfers, subject to applicable dollar/security limits.
• The $1.50 fee is for other Canadian ABMs. The 2.5% currency-conversion fee is added to the exchange rate; these are not a current FX-rate quote.
• The snapshot has another generic chequing record; this review does not establish a second distinct product or silently merge records.

Dated issuer review · 2026-10-26

TD Every Day Chequing Account

Only the facts specifically recorded in this review were checked. This is not a live quote or a complete account agreement.

Standard monthly fee, as checked

$11.95

Included transaction count, as checked

25

Monthly-fee waiver balance, as checked

$3,000.00

At the end of each day in the month

Included e-Transfer count, as checked

Not established

• Standard adult monthly fee before rebates; senior pricing differs. The waiver requires at least $3,000 at each day's end for the entire month.
• The general allowance is 25 transactions; qualifying public-transit transactions are excluded from that limit.
• Interac service is described as free, but a separate unlimited-count allowance was not established here. Other ATM operators may add charges.
• No cash bonus, interest, overdraft price or FX markup is imported.