Free while you study, a fee account the month after you graduate. Twelve tasks, one a week, so the switch happens on your terms. 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.
✓Find your student account expiry dateWEEK 1It converts to a fee account at graduation or a set age. Nobody emails you. Guide ✓Set a reminder 60 days before it convertsWEEK 2That is when you ask for the low-cost account instead. Guide ✓Get a no-fee credit card and pay it in fullWEEK 3Your score starts now, not after graduation. Guide ✓Set up CRA My Account and file even at $0WEEK 4Tuition credits and the GST/HST credit need a return. Guide ✓Turn on e-Transfer autodepositWEEK 5Rent splits and refunds land without the security question. Guide ✓Run the free scan on one statementWEEK 6Plan fee, NSF, FX, duplicates. In your browser. Free scan ✓Audit subscriptions, keep the student discountsWEEK 7Student pricing often expires silently. Guide ✓Open a TFSA with your first paychequeWEEK 8Even $25. The room is yours from 18. Guide ✓Know the NSF cap and overdraft rulesWEEK 9$10 cap since March 12, 2026. Ask for refunds above it. Guide ✓Check your credit report onceWEEK 10Make sure nothing is wrong before you need a lease. Guide ✓Build a one-month bufferWEEK 11Rent plus groceries in a separate HISA. Guide ✓Plan the graduation switchWEEK 12Compare the low-cost account before the conversion date and move the PADs. 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
FresherChickDiverSwimmerGolden Loon
The trap
Student accounts expire
Free while you study, then a monthly fee and new minimums the month after convocation. Looni flags the date and prepares the call.
First paycheque
The series
Pay stub, taxes, TFSA, the first budget that survives a semester. Guides arrive weekly in Money Talks.
Campus ambassadors
One per campus
Paid in founding perks, not cash: early access, your name on the page, a private cohort view. Email hello@loonifinancial.com with your campus.
Founding list
Get the dashboard first, with the expiry alert built in
Founding members get the app in the order they joined. The expiry date, the switch kit and the first-paycheque series come with it.
Hold my founding spot Free, always. Not a bank. Nothing moves without you.