Coverage
Bank accounts coverage
Which institutions were attempted, which hold rows, and which charges live in fee documents the capture could not fully read.
Bank Accounts Coverage Ledger: every published account offering and its charges
Captured 2026-11-15. This ledger is the honest denominator for the bank-accounts layer of the money property. It states which institutions were attempted, which accounts were captured institution-direct with their published charges, and what could not be captured and why. Nothing in accounts.json is estimated: every figure is one the institution itself published, and a field is null wherever the institution did not publish that charge on the pages reached.
How this layer differs from the rates ledger
RATES-COVERAGE.md holds the price of money: interest rates on savings accounts, GICs and mortgages, mostly captured from aggregator tables and lender rate sheets. This layer holds the price of the account itself: monthly fees, fee-waiver minimum balances, included transactions, excess-transaction charges, Interac e-Transfer fees, NSF and overdraft charges, ATM fees and published welcome bonuses, captured from each institution's own product pages and published fee schedules. The estate previously held 30 chequing rows, almost all aggregator picks carrying a monthly fee and nothing else. This pass replaces that thinness with institution-direct fee detail.
Headline numbers
- Institutions attempted: 21 (the Big Six, nine direct banks and fintechs, five large credit unions, and ATB Financial).
- Institutions with at least one captured account: 18 of 21.
- Account rows captured: 112 (57 chequing, 37 savings, 18 high-interest savings).
- Institutions captured at zero rows: 3 (Meridian Credit Union, Desjardins, Motive Financial), each for a stated reason below.
- Raw captures retained: 20 fee-page capture files and 5 group part files in raw/, including every recorded gap (38 gap entries across the five groups).
Accounts captured, by institution
| Institution | Rows | Chequing | Savings / HISA | Notes on depth |
|---|---|---|---|---|
| RBC | 8 | 4 | 4 | Full fee detail from RBC's own disclosures booklet; no balance waiver exists at RBC, rebates run through its Value Program |
| TD | 8 | 5 | 3 | Fees from TD's own fees pages; savings monthly fees not stated in the excerpt reached |
| BMO | 8 | 5 | 3 | Fee figures from BMO's own agreement summaries and product pages; the June 2, 2026 fee PDF itself could not be fetched (see gaps) |
| Scotiabank | 11 | 5 | 6 | Deepest Big Six lineup captured; NSF fee published on no Scotiabank page reached, so null throughout |
| CIBC | 6 | 2 | 4 | Smart Account captured with its January 1, 2027 fee change as published |
| National Bank of Canada | 8 | 4 | 4 | Packages from the Fee Guide effective February 15, 2026 |
| Tangerine | 6 | 1 | 5 | Chequing figures from the search-indexed copy of Tangerine's own page; its live page served a maintenance notice during the pass |
| Simplii Financial | 3 | 1 | 2 | Headline fees and its published $350 and 5.00 percent promotions captured; the detailed fee schedule could not be opened |
| EQ Bank | 3 | 1 | 2 | Personal Account and both Notice Savings accounts; full fee schedule could not be opened |
| Neo Financial | 4 | 2 | 2 | Includes the two legacy accounts Neo flags as closed to new openings, and Neo's own published January 1, 2027 fee changes |
| KOHO | 3 | 3 | 0 | The three published plan tiers, fetched in full from koho.ca; a monthly-versus-yearly billing conflict between KOHO's own pages is flagged on the rows |
| Wealthsimple | 2 | 1 | 1 | Chequing (tiered 1.25 to 2.25 percent by client tier) and Savings at 2.5 percent |
| Alterna Bank | 13 | 8 | 5 | Deepest single capture in the layer: the full-service lineup from Alterna's own fee brochure effective December 1, 2025, plus its e-accounts |
| Oaken Financial | 4 | 0 | 4 | Savings only; Oaken publishes no chequing account, and that absence is recorded on the rows |
| Meridian Credit Union | 0 | 0 | 0 | Not captured; see below |
| Desjardins | 0 | 0 | 0 | Not captured; see below |
| Coast Capital Savings | 7 | 5 | 2 | Includes two legacy accounts the page itself marks as no longer offered |
| Vancity | 8 | 4 | 4 | From Vancity's own Service Charge Bulletins #184 and #185 |
| Conexus Credit Union | 2 | 1 | 1 | Names and descriptions only; Conexus's fee PDF could not be fetched, so every charge field is null |
| ATB Financial | 8 | 5 | 3 | From ATB's own F1488 excerpts and its age-band and fee-changes pages |
| Motive Financial | 0 | 0 | 0 | Nothing capturable; see below |
The provenance limit on this pass, stated plainly
The text-fetch route hit its upstream 429 limit early and stayed limited, and the web search daily quota was exhausted partway through the credit-union group. Per the pass rule, no 429 was retried. The consequence is that a large share of the Big Six and credit-union figures rest on search-index excerpts of the institutions' own pages and fee-schedule PDFs rather than on full live fetches of those pages. Every such row's notes say so, and the capture files in raw/ hold the excerpts themselves, labelled as excerpts. Figures fetched in full from the live page include KOHO's plan page, Wealthsimple's savings page, Alterna Bank's December 1, 2025 fee brochure, and EQ Bank's and Neo's main published pages. A re-verification pass against the live fee PDFs, once the fetch route is healthy, is the first named remainder below. No figure in this layer comes from a third-party aggregator or review site; where an aggregator figure existed and the institution's own figure could not be reached (Coast Capital's savings rate, ATB's Unlimited Account fee, Scotiabank's NSF fee), the field was left null and the aggregator figure was deliberately not used.
Not captured at all, with the reason
- Meridian Credit Union: web search returned a daily-quota failure on the Meridian queries and every page open after that point returned 429. No Meridian product or fee page was reached, so no accounts are listed rather than any figure estimated.
- Desjardins: the same quota failure and 429 wall. No Desjardins personal chequing or savings page, and no service-charges summary, was reached.
- Motive Financial: a different failure, and a finding in itself. Motive's own sites publish no current personal chequing or savings product pages reachable by text fetch; search returned only legal, agreement, application and help pages, and its one fee text cites a service-fee schedule effective May 1, 2014 with no amounts. Motive's own agreement pages record that Canadian Western Bank amalgamated with National Bank on March 1, 2025 and that Motive accounts were migrating to National Bank. There are no verified Motive-published account figures to capture in this pass, and historical third-party Motive figures were deliberately not used.
Partial gaps inside captured institutions
- RBC: the non-RBC ATM (Interac Access) fee table in RBC's disclosures booklet came back in garbled column order and could not be reliably mapped per account, so atm_fees is null on all RBC rows; the same garbling left savings included-debit counts and excess-debit fees unmapped (the booklet's $2.00, $5.00 and $3.00 figures could not be tied to specific accounts). Youth, student, US-dollar chequing and NOMI variants were not captured as separate rows.
- TD: savings-account monthly fees were not stated in the excerpt reached; the High Interest TFSA Savings and Premium Savings accounts were not captured as rows; the Growth account's full tier table was not captured; no chequing welcome bonuses were published on the pages reached.
- BMO: the Agreements, Bank Plans and Fees PDF effective June 2, 2026 could not be fetched directly, so BMO's NSF, excess and overdraft figures rest on summaries of that agreement and product-page tables and are flagged for direct PDF re-verification. Premium Rate Savings figures rendered blank. Welcome-bonus amounts for Practical, Plus and Premium were not in the captured text; only Performance's $700, from BMO's own FAQ, was recorded.
- Scotiabank: NSF fee published on no page reached (null on all 11 rows); numeric rates for MomentumPLUS, Money Master, US Dollar and Euro savings not rendered in the excerpts reached; Savings Accelerator figures not captured beyond its name.
- CIBC: non-CIBC ATM fees and the Bonus Savings and Premium Growth interest rates were not in the excerpts reached. The Smart Plus Account is recorded as discontinued on CIBC's own changes brochure (replaced by the tiered Smart Account on November 1, 2025), not listed as current.
- National Bank: NSF, overdraft-handling and ABM network fees for the chequing packages sit in the Fee Guide PDF that returned 429; standalone Progress Account fees and rates and Crescendo fees were not unambiguously published in the excerpts reached.
- Tangerine: the standalone Savings product page and the complete fee schedule could not be opened; the chequing overdraft charge was not published on the pages reached.
- Simplii: the detailed product pages and the Products and Services Agreement fee table could not be opened (429), so NSF and non-CIBC ATM charges are null.
- EQ Bank: the full Notice Savings page and the fees-and-features page could not be opened (429); Notice Savings charges beyond the published rates are null.
- Neo Financial: standalone product and fee-schedule pages could not be opened (429); included-transaction counts, excess charges and overdraft are null.
- KOHO: NSF, overdraft and domestic ATM fees are not published on the pages reached. KOHO's own pages conflict on plan pricing by billing period ($12 and $14.75 per month on the accounts page; $18 and $22 monthly-billed on the help page); both are recorded in the row notes rather than one being chosen silently.
- Wealthsimple: no standalone fee schedule was fetched; transaction counts, e-Transfer, NSF and overdraft charges are null.
- Alterna Bank: the April 1, 2026 fee-schedule PDF returned 429; the December 1, 2025 brochure was captured in full instead and is the dated basis for the full-service rows. TFSA and RRSP eSavings rates and the eChequing interest rate were not in the text reached.
- Oaken Financial: the rates page returned 429 and its rates rest on the search-indexed copy of Oaken's own rates page; no Oaken fee schedule was fetched, so all service-charge fields are null.
- Coast Capital: the full Service Fees page returned 429; NSF, ATM fees, bonuses and savings rates beyond the excerpts are null.
- Vancity: the Service Charge Bulletin PDFs returned 429; product-to-column mapping for the Access, Chequing Plus and USD tiers and the Tiered HISA could not be confirmed from excerpts and those accounts are not listed.
- Conexus: the Additional Services and Fees PDF returned 429; only the No-Fee Chequing and Savings accounts are listed, with all charge fields null. Its US Chequing and Maximizer accounts could not be confirmed from its own excerpt.
- ATB: the F1488 PDF returned 429; the Unlimited, Advantage and Pay As You Go accounts could not be confirmed from ATB's own excerpts and are not listed (a third-party $15.95 figure for Unlimited exists and was not used).
Field completeness across the 112 rows
| Field | Filled | Reading |
|---|---|---|
| Monthly fee | 90 | The core published figure; nulls concentrate in savings accounts whose fee the excerpt did not state |
| Included transactions | 74 | Published on most chequing pages |
| Welcome bonus | 22 | Most institutions publish no bonus on the account page itself |
| Interest rate | 36 | Rates live on separate rate pages; the rates ledger remains the estate's rate source, this layer carries the rate only where the account page printed it |
| Fee-waiver minimum balance | 24 | Most Canadian accounts genuinely publish no balance waiver; RBC waives by program, not balance |
| Excess-transaction fee | 42 | Often inside fee-schedule PDFs the 429 wall kept closed |
| e-Transfer fee | 59 | Widely published |
| NSF fee | 39 | Frequently schedule-only; the single thinnest Big Six field |
| Overdraft | 39 | Frequently schedule-only |
| ATM fees | 37 | Frequently schedule-only, and garbled in RBC's booklet extraction |
Named remainders for the next pass
- Meridian Credit Union and Desjardins, in full: product lineups and published service charges, run paced once the search and fetch quotas reset.
- Live re-verification of every figure that rests on a search-index excerpt, against the institutions' own fee PDFs: BMO's June 2, 2026 agreement first, then the National Bank Fee Guide, Vancity Bulletins #184 and #185, ATB's F1488, Conexus's Additional Services and Fees, Coast Capital's Service Fees page, and Simplii's Products and Services Agreement fee table.
- The schedule-only charge fields (NSF, overdraft handling, other-bank ATM) for Scotiabank, National Bank, Simplii, Neo, KOHO, Wealthsimple and Oaken, from each institution's own fee schedule.
- Conexus's full account lineup (US Chequing, Maximizer and its savings tiers) and ATB's Unlimited, Advantage and Pay As You Go accounts, from their own pages.
- RBC's variant accounts (student, youth, US-dollar chequing) and a clean read of its booklet's ATM and savings-debit tables.
- Motive Financial: re-check only if Motive republishes a current account lineup under its own name; its migration to National Bank is the standing finding.
- Alterna Bank's April 1, 2026 fee schedule, to supersede the December 1, 2025 brochure rows when it can be fetched.