Chexy membership is an optional paid subscription that unlocks lower fees and extra features on your Chexy account. There are two memberships — Core and Plus — each available on monthly or annual billing. This article explains what you get, what it costs, who can join, and how to sign up or cancel.
Good to know: Membership is available to personal (consumer) Chexy accounts only — not business accounts or accounts used for business payments. Benefits apply only while your membership is active and your account is in good standing.
Included with every membership
Core and Plus both give you:
Free debit payments — no processing fee when you pay by debit.
Any consumer credit card accepted, including Visa Infinite Privilege and Mastercard World Elite.
Earn Aeroplan points on your bill payments.
Reject any unwanted pre-authorized bill payment.
Payment processing fees
Processing fees depend on how you're billed, not just which membership you're on. Annual billing lowers your per-payment rate — monthly members pay the standard rate on either membership.
Card type | Core — monthly | Core — annual | Plus — monthly | Plus — annual |
Debit | Free | Free | Free | Free |
Domestic credit card | 1.75% | 1.65% | 1.75% | 1.5% |
International credit card | 2.5% | 2.5% | 2.5% | 2.25% |
How the discount works: The reduced rates apply only to eligible payments made while your annual membership is active. They aren't retroactive, and they don't apply if you're billed monthly.
Core vs. Plus
Feature | Core | Plus |
Payment speed | Next-day available for a reduced fee | Free next-day with Rush |
Credit cards you can link | Up to 5 | Up to 10 |
NSF guarantee — overdraft protection on every payment | — | Included |
Credit builder — build credit from rent | Not available* | Included |
Early access to new features | — | Included |
Split any payment | — | Included |
Choose your charge date | — | Coming soon |
* Credit builder is a Plus-only feature. Exception: if you had active credit builder before June 19, 2026 ("legacy access"), you can keep using it free on Core, as long as you stay eligible. This access is personal and can't be transferred.
How much does membership cost?
Membership | Monthly | Annual | How you're billed |
Core | $9.99 CAD / month | $90 CAD / year (save 25%) | Charged in advance each month, or once every 12 months |
Plus | $20 CAD / month | $200 CAD / year | Charged in advance each month, or once every 12 months |
Before you enroll, Chexy shows you the total amount payable for your membership.
Annual billing also lowers your processing fees — see the processing fee table above.
Discounts don't stack: referral tier discounts can't be combined with the membership fee discount. If you qualify for both, only one discount applies to your membership fee.
Membership fee vs. payment processing fee
These are two separate charges:
Membership fee — the recurring subscription for Core or Plus.
Payment processing fee — a per-transaction fee charged on each eligible payment you make through Chexy. This is separate from and in addition to your membership fee, and is shown to you before you confirm each payment.
Who can join?
To enroll in a membership you must:
Hold a Chexy account in good standing
Be a resident of Canada and have reached the age of majority in your province or territory
Have a valid payment method on file
Use a personal (consumer) account — membership isn't available to business customers, or to anyone who uses Chexy for business payments, even if you also make personal payments
Your membership is tied to your account and is personal to you — it can't be transferred, shared, or resold.
How to sign up or switch memberships
Open the Chexy app.
Go to Settings → Membership.
Choose Core or Plus, then pick Monthly or Annual billing.
Review the membership fee and confirm to authorize the recurring charge.
Once you enroll, your benefits are active right away and your membership renews automatically until you cancel.
How to cancel
You can cancel anytime:
In the Chexy app, under Settings → Membership, or
By contacting the support team via the in-app chat.
What happens when you cancel:
Cancellation stops future renewals.
It takes effect at the end of your current billing period — so you keep your benefits until then.
Monthly: you keep benefits through the end of the current month and aren't charged again.
Annual: you keep benefits through the end of your current 12-month (or renewed) term.
After that, your membership benefits stop and standard fees apply to your payments.
Automatic renewal
Both memberships renew automatically unless you cancel before the renewal date. You'll be charged the membership fee that applies at the time of each renewal.
Monthly renews month-to-month.
Annual runs for an initial 12-month term, then renews on an open-ended basis (billed every 12 months in advance).
Refunds
Membership fees are non-refundable, including for any unused portion after cancellation. When you cancel, you keep your benefits until the end of your current billing period.
A few things to know
"Choose your charge date" isn't available yet. Chexy will make it available to active Plus members if and when it launches, but can't commit to whether, when, or in what form it will arrive.
If your account becomes a business account, or your membership ends or is suspended, membership benefits stop and standard fees apply going forward.