Research records and source reviews are different
The catalogue snapshot was collected on 2026-10-27. That collection date is not an issuer review of every field. Earlier provider descriptions and product records remain available with historical labels. Dated primary-source reviews are shown separately for the exact product and facts reviewed.
The directory is organized for research rather than a predetermined winner. Search and filters narrow the records; the shortlist contains the profiles you choose. We do not turn internal calculations into consumer-review stars or fill missing fees with zero.
Coverage has boundaries
Some source records refer to the same provider identity. Their legacy URLs continue to work, while the comparison uses the resolved identity. Legacy, transition and provider-category notices should be read beside the record. The catalogue is not a complete list of every bank or product available in Canada.
The Alberta page filters the headquarters field recorded in the catalogue. It is not a list of every provider serving Alberta. Always check the specific product, legal issuer, availability and eligibility directly.
One routine. Two entered fee schedules. One year.
The routine-cost tool applies the same monthly transaction, eTransfer and other-ATM withdrawal counts to two fee schedules you enter. Each scenario has its own monthly fee, included transaction and eTransfer allowances, extra-activity charges, ATM charge, statement cost and chosen one-off cost.
- Extra transactions = max(0, entered transactions − entered included transactions).
- Extra eTransfers = max(0, entered eTransfers − entered included eTransfers).
- Monthly cost = account fee + extra-transaction charges + extra-eTransfer charges + other-ATM charges + entered paper-statement fee.
- One-year cost = 12 × monthly cost + chosen one-off costs.
- Difference = scenario A’s one-year cost − scenario B’s one-year cost.
Fees are entered in Canadian dollars with at most two decimal places. Arithmetic uses whole cents. Counts must be non-negative whole numbers. The chart puts all chosen one-off costs in month one and adds the same recurring monthly amount in each following month.
An example you can verify
For 20 transactions, 5 eTransfers and 2 other-ATM withdrawals each month, example A uses an $8.95 account fee, 12 included transactions with $1.25 for each extra, 2 included eTransfers with $1 for each extra, a $3 ATM charge and a $2 statement fee. That is $29.95 each month. Adding $25 of chosen one-off costs gives $384.40 over a year.
Example B’s entered $12 monthly fee and sufficient included activity, with no other entered costs, give $144 over the same year. A minus B is $240.40. These are made-up fee schedules for learning, not actual products or an account recommendation.
Try your own routine ↗Check the definitions before entering fees
Ask which activities count toward the transaction allowance and whether an eTransfer can also count as a transaction. Separate eTransfer fees and transaction-allowance fees can interact. Enter the amounts that apply to the agreement you are comparing; the tool does not infer those rules or any waiver.
Include an ATM operator’s additional charge in the chosen per-withdrawal amount if you want it counted. One-off costs are assumed to occur once during the year; the monthly schedule is illustrative if they happen later.
What the tool excludes
No tax, exchange-rate spread, overdraft or borrowing cost, reward valuation, changing monthly usage, changing fee schedule, opportunity cost of a minimum balance or unentered charge is included. The tool does not decide eligibility, apply a promotion or establish deposit protection. Confirm the current provider’s terms before choosing an account.
For the separate question of a balance kept idle, see BankOnline’s fee and idle-balance illustration ↗.
Keep your own comparison
Saving is an explicit local-browser choice. CSV and print output use your entered plan and the same calculation. A plan or summary is not automatically sent to the team. Optional sharing in a team enquiry is shown in a complete preview and requires separate consent.
Corrections make the research better
Use the provider’s official current information as the final source. If a page needs a correction, share the public source and the specific detail through the contact page. Do not include account credentials or personal financial records.