Be Free Chequing


  • No monthly fee
  • No minimum balance required
  • Unlimited deposits, withdrawals1 and bill payments including those made in branch
  • Unlimited pre-authorized debits so you can set up your bills to be paid automatically
  • No-fee access to more than 3,300 surcharge-free ATMs on the Exchange Network
  • Free online, mobile and telephone services allowing you to manage your finances anytime, anywhere
  • Free use of Deposit AnywhereTM, a feature that allows you to deposit cheques into your account using your mobile phone
  • Free electronic statements so you can easily access your statements online or, receive paper statements for $5/month
  • Plus, upon turning 60 years old, you will automatically be switched to the Be Free and More for Seniors chequing account with additional features and benefits


Monthly Fee: $0.00

Be Free Chequing & More


  • Unlimited deposits, withdrawals1 and bill payments including those made in branch
  • Unlimited pre-authorized debits so you can set up your bills to be paid automatically
  • No-fee access to more than 3,300 surcharge-free ATMs on the Exchange Network
  • Free online, mobile and telephone services allowing you to manage your finances anytime, anywhere
  • Free use of Deposit AnywhereTM, a feature that allows you to deposit cheques into your account using your mobile phone
  • Five free monthly Interac ATM transactions 
  • Monthly overdraft protection2 fee waived
  • $10 off the annual safety deposit box rental fee
  • Annual fee waived (a $59 value) on a Low Fee Gold CHOICE REWARDS® MasterCard® credit card2
  • Free personal cheques3
  • Plus, upon turning 60 years old, you will automatically be switched to the Be Free and More for Seniors chequing account with additional features and benefits


Monthly Fee: $10.00

Be Free & More Seniors


  • No monthly fee
  • No minimum balance required
  • Unlimited deposits, withdrawals1 and bill payments including those made in branch
  • Unlimited pre-authorized debits so you can set up your bills to be paid automatically
  • No-fee access to more than 3,300 surcharge-free ATMs on the Exchange Network
  • Five free monthly Interac ATM transactions
  • Monthly overdraft protection2 fee waived
  • $10 off the annual safety deposit box rental fee
  • Annual fee waived (a $59 value)  on a Low Fee Gold CHOICE REWARDS® MasterCard® credit card2
  • Free personal cheques3
  • Free online, mobile and telephone services allowing you to manage your finances anytime, anywhere
  • Free use of Deposit AnywhereTM, a feature that allows you to deposit cheques into your account using your mobile phone
  • Plus, fees are waived on travellers cheques, foreign exchange drafts, official cheques and certified cheques

Monthly Fee: $0.00

Offer terms and conditions Expand/Collapse

1. Offer is available to new and existing Members of FIRSTONTARIO. Existing Members can only participate if they do not already have a chequing account
2. Offer is only available IN-BRANCH, online applications or account openings will not be eligible
3. Member must present the voucher or make reference to this offer
4. Direct deposit must be for a pension or payroll
5. Direct deposit must cycle at least once for the additional $25 to be awarded
6. 1 of each incentive per account (joint account holders will not be awarded the incentives)
7. 1 account per Member
8. Free chequing account must be opened by December 31st, 2017
9. Direct Deposit form must be completed by December 31st, 2017

Product terms and conditions Expand/Collapse

  1. Includes cheques, POS, direct debits, ATM or in-branch withdrawals/transfers, bill payments, internet/telephone debits and pre-authorized payments.
  2. Subject to credit approval.
  3. “Flair” cheque design option only.

DEPOSIT ANYWHERE™ is a trademark of Central 1 Credit Union. FirstOntario Credit Union is a licensed user.



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Why Choose FirstOntario?


We use our profits for a higher purpose

We offer all the strength and security of as a bank, but as a co-operative, our Members are our only shareholders, and we exist solely to serve them and the communities where we do business. As a local credit union, we invest our profits into the communities we serve enchancing our Members' lives, as well as their communties.

We offer competitive rates and products

Member benefits include No Fee account options, varitey of mastercard options with a Choice Rewards program and competitive rates on your saving accounts, investment and loan products.  

Access thousands of ATMs across Canada and more than 30,000 ATMs around the world

We're apart of THE EXCHANGE® Network, a shared network of over 3,300 full-service ATMs across Canada, that allows Members to make deposits and withdrawals on a surcharge-free basis. 


Your money is safe with us

In business since 1939, FirstOntario has more than $4 billion in assets under management, serving over 110,000 Members.
Alll of your registered deposits at FirstOntario are fully insured by the Deposit Insurance Corporation of Ontario with no cap or limit on the amount insured.

Access your money anytime

No matter which option works best for you, we provide our Members with a number of easy, convenient ways to access their money including local branches, ATMs, Online Account Service, Personal Assisted Tellers (PAT) and Mobile Account Services.