Neo Chequing account

Interest-free overdraft with Neo Chequing

Coming soon. Join the waitlist to be first in line. We'll float you up to $300 when you need it most.

✓ Instant access to funds, up to $300
✓ No interest or overdraft fees
✓ Cover bill payments, Interac e-transfer® and more

Rated 4.8/5 on the app store

Support when you need it, where you need it.

We’ll float you up to $300 if you’re short on a payment, without interest or overdraft fees.

Get covered for bill payments, Interac e-transfer®, and card transactions.

With responsible use, get access to higher limits and credit products with Neo.

Connect your pay
Open a Neo Chequing account and set up direct deposits to unlock no-fee overdraft.
Stay on track
We’ll bridge the gap up to $300 on bills or transfers that exceed your balance. We handle the friction so you can focus on what matters.
Auto-Payback
We recover the float balance from your next deposit—simple as that. No interest, no fees, no "gotchas”.