No credit history, fees nobody explained, limits nobody mentioned. Twelve tasks, one a week, in the order that works. Each one has a guide.
Your checklist · one task a week
Twelve weeks, in the right order
Tap a task when it is done. Progress stays on this device. Each task links to the guide that explains it.
✓Open a no-fee chequing accountWEEK 1Most big-bank newcomer packages waive fees for a year, then charge. Know the date. Guide ✓Get your SIN and set up CRA My AccountWEEK 2You need both for work, benefits and your TFSA room. Guide ✓Set e-Transfer autodepositWEEK 3Money lands without a security question. Know your limits too. Guide ✓Open a secured or newcomer credit cardWEEK 4Credit history starts at zero here. A small limit, paid in full, builds it. Guide ✓Pay the card in full, on time, twiceWEEK 5Two clean statements is the start of a score. Guide ✓Check your credit report for freeWEEK 6Make sure the file exists and is yours. Guide ✓Open a TFSA and hold your savings inside itWEEK 7Interest outside a TFSA is taxed like a paycheque. Guide ✓Find the bank fees on your first statementWEEK 8Plan fee, NSF, FX. The scan does it in your browser. Free scan ✓Set a $1,000 starter emergency fundWEEK 9One car repair should not become 20 percent card debt. Guide ✓Review subscriptions and price risesWEEK 10Three months of statements, anything that repeats. Guide ✓Learn what CDIC coversWEEK 11Up to $100,000 per category per member bank. Guide ✓Set the fee-waiver expiry reminderWEEK 12The day the newcomer package ends is the day the fees start. Guide What next
Looni picks your next move
Today it is a fixed rule: the first undone task whose prerequisites are done. With the app, it learns from everyone on the same track which order actually works, and adjusts yours.
Level
ArrivedChickDiverSwimmerGolden Loon
Why this track exists
Nobody explains the fees
From our Reddit reading: no credit history, a newcomer package that quietly expires, e-Transfer limits, which account to open. Every one of those is a week on this list.
Quebec
En français, bientôt
The scan and this track are being translated. Same rules, same order, Quebec institutions included.
For organisations
Settlement agencies and campuses
Share this page with a cohort and we add a private progress view for your advisors, no personal data shared. Email hello@loonifinancial.com.
Founding list
Get the dashboard first, with the newcomer track built in
Founding members get the app in the order they joined. The track, the scan and the Sunday leak check come with it.
Hold my founding spot Free, always. Not a bank. Nothing moves without you.