
Credit union vs. big bank: when switching makes sense
Compare credit unions and big banks on fees, loan rates, insurance and access, plus four credit unions to consider and what to check before switching.
Explore Canadian bank and credit union sign-up offers. Compare rewards, requirements, and availability by province or territory.
A quick look at current offers
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Compare credit unions and big banks on fees, loan rates, insurance and access, plus four credit unions to consider and what to check before switching.

Most people earn one bank bonus and stop. Banks will happily pay you six or more times a year if you understand the real limits: direct deposits, wait periods, and your own cash on hand. Here is the honest math.

High spenders clear card spend thresholds without trying. These are the cards that pay you back for it in 2026, with free nights, elite status, and lounge access, plus how to route big bills like taxes so the perks are worth more than the fees.
Compare offers, confirm the terms, complete the requirements, and track your progress toward the bonus.
Browse what’s available and weigh the reward against the requirements, fees, availability, and timing.
Read the current eligibility rules, deadlines, qualifying actions, and account terms.
Apply with the provider, keep a copy of the offer terms, and finish each qualifying action by its deadline.
Note the payout window the provider states, plus how long the account must stay open and any closure fee.
A sign-up bonus is a trade: the customer completes qualifying activity, and the provider pays the advertised reward. Requirements vary from offer to offer, and each provider’s terms control eligibility and payment.
A bonus gives people a reason to consider a new bank, card issuer, or brokerage.
Requirements can bring in deposits, card spending, or regular use of the account.
For providers, a promotion is one way to begin a longer customer relationship.
This is general information, not financial, legal, or tax advice. The provider’s terms control each offer.
Compare current bonuses, review the requirements, and choose an offer that fits.