1.EQ Bank Personal Account
EQ Bank
2.75%
CA$0
CA$0
Unlimited free daily transactions
The EQ Bank Personal Account earns a competitive interest rate of 2.75% while offering unlimited free daily transactions, making it an exceptional choice for those looking to maximize their savings without incurring fees. It stands out as the top choice because it combines high yields with zero monthly fees and no minimum balance requirements.
Pros:
- High interest rate
- No monthly fees
Cons:
- Limited branch access
2.Simplii Financial No Fee Chequing Account
Simplii Financial
0.01%
Earn $300 and a $50 Skip gift card when you open a No Fee Chequing Account.
CA$0
CA$0
Unlimited daily transactions
What sets this account apart is its generous welcome bonus of $300 and a $50 gift card, making it a lucrative option for new customers. Additionally, it offers unlimited daily transactions without any monthly fees, appealing to those who prioritize cost-effective banking.
Pros:
- No monthly fees
- Attractive welcome bonus
Cons:
- Low interest rate
3.Tangerine No Fee Daily Chequing Account
Tangerine
0.10%
Earn $250 when you switch your paycheque deposits to a Tangerine account.
CA$0
CA$0
Unlimited daily transactions
The standout feature here is the $250 cash bonus for new customers who switch their payroll deposits, which adds significant value to this account. With no monthly fees and unlimited transactions, it provides a solid banking experience for everyday needs.
Pros:
- No monthly fees
- Access to numerous ABMs
Cons:
- Interest rate is tiered and low
4.Wealthsimple Chequing Account
Wealthsimple
1.25%
Earn a $25 cash bonus by joining through a Wealthsimple Referral Program link.
CA$0
CA$0
Unlimited transactions
This account shines for its competitive interest rate of 1.25% and the absence of monthly fees, making it an attractive option for those looking to grow their savings while managing daily expenses. Although it lacks a standalone cash sign-up bonus, the referral program offers a unique way to earn rewards.
Pros:
- No monthly fees
- High interest rate
Cons:
- No standalone cash sign-up bonus
0.00%
Earn a total cash bonus of up to $900 with the BMO Summer Everyday Banking Offer.
CA$17.95
CA$4,000
Unlimited transactions
A key differentiator is the potential to earn up to $900 in cash bonuses, which significantly enhances the account's value for new customers. However, the monthly fee of CA$17.95 can be a drawback unless the minimum balance requirement is met.
Pros:
- Unlimited transactions
- High welcome bonus
Cons:
- High monthly fee
6.PC Money Account
PC Financial
2.20%
Earn 150,000 bonus PC Optimum™ points by setting up a minimum of $1,500 in payroll or pension direct deposits each month for three consecutive months.
CA$0
CA$0
Unlimited transactions
This account is particularly appealing for those who frequently shop at PC stores, as it allows users to earn valuable PC Optimum points on their transactions. Additionally, the 2.20% interest rate on savings balances makes it a competitive option for those looking to grow their savings.
Pros:
- Earns PC Optimum points
- No monthly fees
Cons:
- Spending balance earns 0% interest
Final Words
As you explore the best joint bank accounts in Canada this September 2026, remember to compare key features such as interest rates, fees, and accessibility to find the option that best suits your shared financial goals. Taking the time to evaluate different accounts can lead to significant benefits for you and your partner.
Frequently Asked Questions
The top joint bank accounts in Canada for September 2026 include the EQ Bank Personal Account and the Simplii Financial No Fee Chequing Account.
The EQ Bank Personal Account offers a 2.75% interest rate, zero monthly fees, and combines features of a savings account with daily transaction capabilities.
The Simplii Financial No Fee Chequing Account has an interest rate of 0.01% and charges no monthly fees.
The Tangerine No Fee Daily Chequing Account offers a 0.10% interest rate and has no monthly fees, making it a competitive option among no-fee chequing accounts.
No, the EQ Bank Personal Account has zero everyday banking fees.
Yes, joint accounts can earn interest, but the rates may vary based on the financial institution and account type.
Consider factors such as interest rates, monthly fees, accessibility, and the account's features for daily transactions.
Yes, interest earned on joint accounts is considered taxable income in Canada and must be reported on your tax return.
