DUCA bank accounts and rates

We track 7 DUCA accounts. 4 of them carry no monthly fee and the dearest is $15.00 a month. Every figure here comes from the institution’s own published pages, and where something is not published we leave it blank rather than record a zero. Last checked 19 August 2026.

The highest rate posted here is 2%, on the DUCA Rise Chequing. Posted rates only: a promotional rate that ends in ninety days is not what an institution pays, so it is recorded on the account and not counted here.

Deposits are covered by Ontario, $250,000, taken from what the institution publishes rather than from what the scheme covers in general. What deposit insurance actually covers sets out the difference and why an unlimited provincial guarantee is not the same promise as the federal one.

Every Account, With What It Costs

• DUCA Aim For More Chequing

  No monthly fee · Unlimited transactionsOntario, $250,000

• DUCA Daylight Savings

  No monthly fee · 0.05% interestOntario, $250,000

  0.05% paid semi annually

• DUCA Earn More Savings Account

  No monthly fee · 0.25% interestOntario, $250,000

  0.25% paid monthly

• DUCA Feel Free Chequing

  No monthly fee · Unlimited transactionsOntario, $250,000

• DUCA Daylight Chequing

  $4.00 a month · Unlimited transactionsOntario, $250,000

  Waived with $1,000 minimum balance; 30 day grace period after opening

• DUCA Rise Chequing

  $9.00 a month · 2% interest · Unlimited transactionsOntario, $250,000

  Waived with $2,000 minimum balance; 30 day grace period after opening

• DUCA Evermore Premium Chequing

  $15.00 a month · Unlimited transactionsOntario, $250,000

Comparing across institutions? Compare every account on what it would cost you, work out what a chequing account really costs, or browse the full directory.