Monthly account fee guides
These guides are about the monthly fee on a checking or chequing account. An overdraft fee and a card annual fee are different lists.
Last updated: October 22, 2026
United States
Capital One 360 Checking: no monthly fee, and the costs that can still apply
Capital One says 360 Checking has no monthly fee. This page lists the extra costs the same page still names, and how to spot a fee on a statement.
Chase, BofA, Wells Fargo monthly fees
Chase monthly fee, Bank of America monthly fee, and Wells Fargo monthly fee: the waiver each everyday checking account prints.
How to avoid the BMO monthly fee in the US
BMO Bank N.A. checking fees in the United States, including accounts that used to be Bank of the West. Smart Advantage is $0. Smart Money is $5, or $0 under age 25. Relationship is $25 unless a waiver applies.
How to avoid the Comerica checking monthly fee
Comerica Access Checking is $13 a month unless you meet a balance, a direct deposit, or a status waiver. Rich Rewards is $18. Figures are from the 1 August 2025 brochures.
How to avoid the First Citizens Bank monthly fee
Primary Checking is $0 with paperless statements. Select is $12 unless you keep $1,500 or $250 in direct deposits. Premier is $18 and Prestige is $25, with their own balance or deposit rules.
How to waive a Bank of America monthly account fee
How Bank of America says a monthly maintenance fee can be $0 on named checking accounts, how to find that fee on a statement, and what to ask when you call.
How to waive a Chase monthly account fee
How Chase says the Total Checking monthly service fee can be $0, how to find that fee on a statement, and what to ask when you call.
How to waive a Citi monthly fee
What Citi lists as the monthly service fee for Regular Checking and Access Checking, and what to ask about a fee already on a statement.
How to waive a Citizens monthly account fee
How Citizens says the One Deposit Checking monthly fee can be $0 with one deposit, and which other charges the fee guide still lists.
How to waive a First Horizon monthly fee
First Horizon Essential is $5, Advantage is $10, and Elite is $20. The waiver is age, direct deposit, or a balance, depending on the account. Paper statements are a separate $2.
How to waive a PNC monthly fee
What PNC lists as the Virtual Wallet monthly service charge, how that charge can be $0, and what to ask about a fee already on a statement.
How to waive a Regions LifeGreen Checking fee
How the Regions LifeGreen Checking quick guide says the monthly fee can be $8 or $11, and how a direct deposit or a balance can make it $0.
How to waive a Truist monthly account fee
How Truist says the Truist One Checking monthly fee can be $0, how to find that fee on a statement, and what to ask when you call.
How to waive a U.S. Bank monthly fee
What U.S. Bank lists as the Smartly Checking monthly maintenance fee, the ways that page says it can be $0, and what to ask about a fee already charged.
How to waive a Wells Fargo monthly account fee
How Wells Fargo says the Everyday Checking monthly service fee can be $0, how to find that fee on a statement, and what to ask when you call.
How to waive the monthly fee at Fifth Third
Fifth Third Momentum Checking lists no monthly service charge and no minimum balance. Other fees on the same page are not $0. As of 17 October 2026.
How to waive the monthly fee at KeyBank
Key Smart Checking and Hassle-Free list a $0 monthly fee. Key Select Checking is $25 unless a $15,000 balance or $3,000 in direct deposits applies. As of 17 October 2026.
How to waive the monthly fee at M&T Bank
M&T EZChoice lists $0. MyWay is $4.95 unless you use the account. MyChoice Plus is $14.95 and Premium is $24.95 unless a balance or deposit rule applies. As of 17 October 2026.
How to waive the monthly fee at Santander
Santander Select is $25, Simply Right is $10, and Essential is $4, each with its own waiver. Paperless statements are free on the comparison page. As of 17 October 2026.
Huntington Asterisk-Free Checking: the monthly fee is $0
Huntington says Asterisk-Free Checking has no monthly maintenance fee. This page lists the ATM charges that page still names.
Monthly checking account fees by bank (US)
The monthly fee and the waiver each bank prints for an everyday checking account. Most rows were opened on 16 October 2026. KeyBank, Fifth Third, Ally, Schwab, Santander, M&T, and First Citizens were opened on 19 October 2026.
US bank monthly fee waivers for students
The monthly checking fee each named US bank prints for a student or young adult account, and the age or enrollment rule that brings it to $0. Opened 20 October 2026.
Canada
Coast Capital Free Chequing: the monthly fee is $0
Coast Capital's comparison table lists a $0 monthly fee on Free Chequing, and $1.50 to send an Interac e-Transfer. Unlimited Chequing is a different account.
How to avoid the Meridian Credit Union monthly fee
Meridian chequing package fees in Ontario, opened 17 October 2026. Student and US Dollar have no monthly fee. Other packages are $3 to $19, and some are waived if the minimum balance is kept every day.
How to avoid the monthly fee at RBC, TD, Scotiabank, BMO, and CIBC
The waiver steps RBC, TD, Scotiabank, BMO, and CIBC print for the everyday chequing account each bank names.
How to avoid the Servus Credit Union monthly fee
Servus personal plans effective 1 December 2025. Basic is $3.95. Essential is $3.95 to $16.95 and can be waived at $4,000. Premium Unlimited is $25 and can be waived at $5,000. Youth, Be Free, and Senior Unlimited print $0.
How to waive a BMO monthly account fee
How BMO lists monthly fees for Practical, Plus, and Performance chequing, how to find the fee on a statement, and what to ask when you call.
How to waive a CIBC monthly account fee
How CIBC lists monthly fees for Everyday Chequing and CIBC Smart, how to find the fee on a statement, and what to ask when you call.
How to waive a Desjardins monthly fee
What Desjardins lists for the Basic, Intermediate, Unlimited, and Unlimited Plus plans, and what to ask about a fee already on a statement.
How to waive a National Bank monthly fee
What National Bank lists for The Minimalist, The Connected, and The Total chequing packages, and what to ask about a fee already on a statement.
How to waive a Scotiabank monthly account fee
How Scotiabank says the Basic Bank Account monthly fee can be $0, how to find that fee on a statement, and what to ask when you call.
How to waive an ATB Unlimited Account fee
How ATB says the Unlimited Account monthly fee can be $0 with a $4,000 balance or student proof, and which other charges that page still lists.
How to waive an RBC monthly account fee
How RBC says the Day to Day Banking monthly fee can be $0, how to find that fee on a statement, and what to ask when you call.
How to waive the Laurentian Bank monthly fee
Laurentian Bank lists Unlimited at $14.75, Preferred at $7.50, and Basic at $4.00 a month as of 12 March 2026. Basic can be free for a year in named cases. The bank can still say no to a refund.
Monthly chequing fees by Canadian bank
Monthly chequing fees in Canada: the monthly fee and the waiver each bank prints for a basic everyday chequing account.
Simplii No Fee Chequing: no monthly fee, and the overdraft charge
Simplii says the No Fee Chequing account has no monthly fee. This page lists the overdraft charge that same page still prints.
Tangerine Chequing: no monthly fee, and the other charges that can still apply
Tangerine says the Chequing Account has no monthly fee and no minimum balance. This page lists the other charges the fee schedule still prints, including NSF and overdraft.
Vancity Pay As You Go: no monthly fee, and the per use charges
Vancity lists no monthly fee on Pay As You Go Chequing, then charges by the transaction. This page keeps those per use amounts next to the source.
US and Canada
How to waive a TD monthly account fee
How TD Bank in the US and TD Canada Trust say a monthly account fee can be $0, how to find that fee on a statement, and what to ask when you call.
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