Welcome offers
From everyday banking to credit cards, find ways to save money and make real financial progress.
Explore offersBanking, made human
Money that moves with you, not against you.
Everyday accounts with no hidden fees, cards that reward the way you spend, and lending that keeps things simple. All backed by people who pick up the phone.
4.8/5 app rating
256-bit encryption
Instant transfers
Everyday Chequing
$0 monthly fee. Really.
Savings APY
3.75%
Transfer sent
$1,250
to Ama K. · just now
Cashback Rewards Card
•••• 4821
Earn up to
5% back
Explore Membership Management
What would you like to do today?
High-Yield Savings
Earn 3.75% APY with no minimum balance and no monthly fees. Move money in and out whenever you like.
Compare accountsGrants & programs
Discover funding for education, small business, housing and community projects, with guided applications from start to finish.
See programsEveryday Chequing
Unlimited transactions, free e-transfers and no monthly fee. Everything you need for day-to-day banking.
Learn moreHigh-Yield Savings
A competitive rate on every dollar, with automatic round-ups that make saving effortless.
Learn moreCertificates of Deposit
Lock in a guaranteed return for 6 to 60 months. Predictable growth with zero surprises.
See ratesCashback Rewards
Up to 5% back on groceries and gas, 1% on everything else. No annual fee for the first year.
Compare cardsTravel Elite
Lounge access, travel insurance and no foreign transaction fees for people who live on the go.
Learn moreLow Rate Card
A simple, low interest rate that makes carrying a balance more affordable when life happens.
Learn morePersonal Loans
Borrow $1,000 to $50,000 for whatever life brings, with funds in your account in one business day.
Apply now2.4M+
customers who bank with us
$0
monthly fee on Everyday Chequing
3.75%
APY on High-Yield Savings*
24/7
human support, every day
Spending alert
You've spent 80% of your dining budget
Why Membership Management
Clear pricing. Smart tools. Real people.
We designed every product around one idea: banking should be easy to understand and easy to use.
No surprise fees
What you see is what you pay. No minimums, no maintenance fees, no fine print games.
Insights that help
Automatic budgets, spending categories and savings goals built right into the app.
Support that answers
Chat, call or visit. Our team is available 24 hours a day, 7 days a week.
Limited-time offers
Offers worth switching for
Chequing
Get $300 when you open an account
Open Everyday Chequing, set up direct deposit and we'll drop $300 into your account within 60 days.
Claim offer
Credit card
10% cashback for your first 3 months
New Cashback Rewards cardholders earn 10% back on groceries and gas, up to $250.
See the card
Mortgage
Rate hold for 120 days
Lock in today's rate while you shop, and switch to a lower one if rates drop before you close.
Get pre-approved*Conditions apply. Offers available to new customers only and may change without notice. See full terms.
Digital banking
Your whole bank, in your pocket
Send money, pay bills, deposit cheques, freeze your card and track every dollar from the Membership Management app.
- Instant transfers to anyone
- Face ID and fingerprint sign-in
- Real-time spending alerts
- Card lock and controls
- Mobile cheque deposit
- Budgets and savings goals
Good morning
Hi, Jordan
Total balance
$18,240.12
Send
Pay
Deposit
More
Recent
Groceries-$84.20
Payroll+$3,200.00
Coffee-$4.75
Utilities-$132.00
Customer stories
Trusted by millions, one conversation at a time
“The switch took ten minutes and I have not paid a single fee since. The app is genuinely lovely to use.”
“Got pre-approved for our mortgage in a day. Our advisor explained everything in plain English.”
“The grants team walked me through every form. My bakery would not exist without them.”
Good to know
Questions people ask us most
Most customers finish in under 10 minutes. You will need a government-issued ID and a few personal details. Your account is usually active the same day.
Yes. Eligible deposits are insured up to the applicable limits, and every account is protected by multi-factor authentication and 24/7 fraud monitoring.
Absolutely. Our switch tool moves your direct deposits and recurring payments for you, and our team is available to help at every step.
Transfers between your accounts and to other people are free. Wire transfers and some international payments carry a small fee shown before you confirm.
Ready when you are
Open your account in about 10 minutes.
No branch visit needed. Just your ID, a few details and you are set.
Already a customer? Sign in
