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Neo Chequing Account
$25
Neo Chequing Account
Bank Account · Apply through Finly
Cash back
$25
Finly rebate
$25
Get $25 rebate** + Get $100 after spending $1,000* on the Neo Chequing Account
Apply through Finly. Get approved by the financial institution. We e-Transfer your rebate via Interac, no points or portals required. Terms and conditions apply.**
Paid via INTERAC e-Transfer
Secure & private
$1,347,000+ paid out to Canadians
Read before you apply
Rebate eligibility & offer terms
These rules determine whether you qualify for the Finly rebate on this offer. Skim them before clicking apply.
* / ** Terms and conditions apply.
- Subject to Approval
- This offer is only valid for eligible new Neo customers who successfully open their first Neo product
The chequing account
Why Neo Chequing Account?
All the freedom of a chequing account. All the cashback of a rewards card. None of the fees. Stop paying to spend your own money. The Neo Chequing account offers unlimited transactions, free Interac e-Transfers, no monthly fees, no minimum balance, and tiered cashback rates on gas and groceries. Simple, lucrative, and completely fee-free.
How to earn the welcome bonus
Exclusive Offer: Earn $100 by spending at least $1,000 within the first three months on the Neo Money card or any other Neo credit card.*
Interest rate tiers
Balance up to $200,000
0.1%
Balance over $200,000
0%
Fees & limits
Monthly fee
Can be waived
$0
Transactions
Unlimited
Interac e-Transfers
Unlimited
ATM (own network)
$0
ATM (Canada, other)
$0
Foreign currency
2.5%
Ready when you are
$25 is yours when you apply through Finly.
We e-Transfer your rebate via Interac after the financial institution confirms your approval and eligibility. No portals, no points — just real cash.
FAQ
Common questions, answered.
Still unsure? Reach out to support after signing up — we'll get back to you within a couple of business days.
Yes. The Finly rebate stacks with whatever sign-up offer or welcome bonus the institution provides. You get both.
Rebates are sent via Interac e-Transfer to the email on your Finly profile. Once your sign-up is verified, payments are typically processed within 10 days.
The financial institution reports the transaction back to us within a few days to a few weeks, depending on their reporting cadence. You can track the status from your Finly account.
Switching devices mid-application, using a VPN, ad blocker, or incognito mode can break our tracking cookies. Complete the application on a single device in one session for a smooth experience.
No — Finly rebates apply only to brand-new sign-ups. If the financial institution flags you as an existing customer for that product, the rebate won't apply.
Some accounts waive the monthly fee if you maintain a minimum balance or set up direct deposits. Any waiver options are listed in the fees & limits panel above. The financial institution makes the final approval decision.
Eligible Canadian bank deposits are insured by CDIC up to $100,000 per category. Coverage details depend on the institution — check the financial institution's site for specifics.
What Our Members Say
Real reviews from real users. See our full list of reviews on Trustpilot
Legal & disclosures
Disclosures from the issuing institution. Always confirm product terms directly with the issuer before applying.
Product legal content
*Limited-time offer. Offer only valid for eligible customers who successfully open a new Neo Chequing account. Limit of one offer per customer, this offer cannot be combined with other promotional codes. Offer is subject to the Neo Rewards Policy and may be amended or cancelled at any time without notice. Third party terms and conditions may apply.
Neo Chequing account is offered by Neo Financial Technologies Inc. (“Neo”). Funds added to Neo Chequing accounts are ultimately held in trust at one or more member institutions of the Canada Deposit Insurance Corporation (“CDIC”). Neo is not a CDIC member institution. Eligible funds held in trust may be protected by CDIC up to applicable limits and subject to CDIC requirements.
The Neo Money™ card is a prepaid Mastercard® issued by Neo Financial™ pursuant to license by Mastercard International Incorporated and is powered by the Neo Chequing account.
Interac e-Transfer® is a registered trademark of Interac Corp. Used under license.
Cashback on gas and groceries is earned through eligible purchases made with the Neo Money™ card. Cashback earn is subject to monthly spend limits. When monthly spend limits are reached, subsequent spending may earn reduced or no cashback. Spend limits reset monthly.
Partner cashback offers are subject to availability and may vary by partner, offer, location, membership status, and promotional period. Average cashback is based on current offers at select partners. Cashback may be limited. See the Neo Rewards™ Policy for complete terms and conditions.
Build Membership is $7.99/month and Grow Membership is $12.99/month. Membership fees may be waived when minimum balance requirements are met. Account balance requirements and membership benefits are subject to change without notice.
Credit score monitoring is provided by TransUnion®. Credit Builder is an educational tool and should not be considered financial advice. Building credit depends on individual financial behaviour including making payments on time and in full. Improvements to credit profile or credit score are not guaranteed.
Foreign transaction fees are automatically rebated for Grow members and are limited to the first CAD $10,000 in foreign spending each month. A foreign transaction fee is charged at the time of purchase and returned after the transaction posts in accordance with Neo policies.
Third-party ATM fees for Canadian-dollar withdrawals made with a Neo Money™ card at Canadian ATMs may be reimbursed up to $5 per withdrawal for eligible members.
Cashback rates, partner offers, and participating merchants may change at any time without notice. Offer availability, reward amounts, and eligibility requirements may vary. See the Neo Rewards™ Policy and applicable offer terms for complete details.
Neo Financial is not responsible for maintaining accuracy of content on this site. Please refer to Neo's site for the latest product details.