Desjardins Group vs Neo Financial

• Monthly fee of $15.95 (waived with a $4,000 minimum balance)
• No ATM fees with the AccuLink® network
• Eligible for member dividends³
• Unlimited transactions through AccèsD, an ATM ² or teller
• $1.50 cost for Interac^® e-Transfers 

• Monthly fee of $23.95 (waived with a $5,000 minimum balance)
• No cost for ATM transactions in the AccuLink® network
• Member dividend³ eligibility
• No limit on transactions through AccèsD, ATM ², cheque, or teller
• No charge for Interac^® e-Transfers

MEMBERSHIP TIERS

Neo Chequing offers optional membership tiers with added benefits, both free for customers who keep enough on deposit with Neo.

Build — $7.99/month (free with $5,000+ in any Neo account)

• Credit Score Monitoring: track credit score in the Neo app
• Credit Builder: tools and insights to build credit history
• Cash Advance & Overdraft (coming soon): up to $300 at 0% interest, reported to both credit bureaus
• Free ATM Withdrawals: fees reimbursed up to $5/withdrawal, unlimited withdrawals
• Secured Card Fee Waived: $7.99/month fee waived for Build members

Grow — $12.99/month (free with $20,000+ across Neo Chequing and Savings)

Includes all Build benefits, plus:

• No Foreign Transaction Fees: FX fees rebated on Neo Credit Card and Money Card international spend (up to $10,000/month), full rewards kept at domestic rate
• Higher Savings Interest Rate: 2.75% on Neo Savings
• Priority Support: dedicated phone line for Grow members

CASHBACK REWARD LEVELS

Cashback rates on gas and groceries (earned via the Neo Money™ Card) increase automatically based on your Neo Chequing account balance.

On top of the rates above, customers earn an average of 5% (up to 15%) at thousands of Neo partner locations across Canada through the Neo app.

CORE FEATURES