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personally I would chose the BMO savings builder because there is a lot of additional features and a decent interest rate and a affordable monthly fee. lots of incentives and unlimited purchases.

checking account

RBC

air pods when you open the account

safety deposit box personalized cheques are both (optional)

no requirement for min balance

12 free transactions allowed per month

depends on the money in account

no interest rate

$4.00

Scotiabank

Up to $139 annual fee waiver each year on select credit cards

no requirement

unlimited debit transaction's

earn up to 1.85%

$30.95

BMO

incentive's

$300 opening bounus

Up to $40 rebate on the annual fee for eligible BMO credit cards. OnGuard Identity Theft Protection at no charge Free US dollar Savings Account

requirement for min balance

$4000 is requirement daily closing balance

unlimited debit trasactions

no interest paid

monthly fee

$15.95 $0 with min. $4,000 balance

saving account

RBC-everyday savings

compound interest =$0.75

500x0.05x3=75

Limited Time Offer: Get Apple AirPods with Charging Caselegal bug7 when you open an eligible bank account

Take your pick of accounts—from high interest savings to a range of chequing options

Misplaced your card? Lock it instantly right from the RBC Mobile app. Unlock it easily, too

Snap a picture to add a payee and pay your bills the easy way with mobile bill pay

Get the perfect account with our Right Account Guarantee™—or we’ll refund your monthly feeslegal bug*

Save without lifting a finger. NOMI Find & Save automatically sets aside money you won’t miss

A descriptive monthly account statement to help you analyze your spending patterns

Zero liability for fraudulent or unauthorized charges (provided you have taken reasonable precautions to protect your PIN and your card as set out in your cardholder agreement)

no extra charges

requirement per min balance

min balance is interest rate

transaction's allowed per month

1 free debit per monthly cycle

0.05% with $999.99 and under $1000 and over 0.010%

there is no monthly fee on a savings account at RBC

Scotiabank-momentum savings account

compound interest=$28.51

500x1.80%x3=$2700

$300 bonus when you open a savings account

additional features

earn up to 1.75% on your momentum plus savings account

extra charges

Paper Statement with Cheque Image Return

$2.50/month

paper statement

$2.25/month

paperless

no charge

requirement for minimum balance

the requirement is $4000 min daily closing balance

transactions allowed per month

unlimited debit transactions allowed

1.80%

$16.95/month or $0 if you have the requirement for min balance daily

BMO-saving builder

compound interest =$5.28

500x0.050%x3=$75

incentives

Get accounts for family members without paying an additional monthly fee Up to $40 rebate on the annual fee for eligible BMO credit cards OnGuard®† Identity Theft Protection at no charge Unlimited transactions

additional fetures

Up to $40 rebate on the annual fee for eligible BMO credit cards OnGuard®* Identity Theft Protection at no charge Free US dollar Savings Account

requirement per minimum balance

$0 with min $4000

transactions allowd per month

unlimited

interest rate

$250,000.01 and over

0.35%

up to $250,000.00 when you increase your balance by $200.00 or more per month

0.050%

up to $250,000.00

monthy fee

15.95 or min if you have $4000 at all times