T-Bill Savings Account
Keep the cash flowing—and earn interest while you're at it.
Watch your balance grow
Have a large cash balance as a result of your wise business choices? Then the T-Bill Savings Account is the right fit for you.
A high-interest, flexible account
Reap the rewards of your business savvy with a premium earned interest rate and enjoy unlimited access to your money.
It's a win-win scenario
A business account with premium earned interest and no monthly fee.
Key product details
| Interest earned | $0 to $100,000: 2.75% $100,001 to $250,000: 2.80% $250,001 to $500,000: 2.85% $500,001 to $1,000,000: 3.05% Over $1,000,001 3.35%1 |
| Monthly fee | $0 |
| Deposits, In-branch & electronic credits, Phone inquiries & transfers | Learn more |
| In-branch & electronic debits, Electronic bill payments | $5 each |
| In-branch bill payment | $1.25 + $5.00 debit fee |
| Sending an Interac e-Transfer® | $1.50 fee to send + $5.00 debit fee |
| Receiving an Interac e-Transfer® | $0.00 fee to receive + $1.00 electronic credit fee |
Frequently Asked Questions
Additional fees may apply for other in-branch or cheque-based transactions.
If you have less than $100,000 in savings, the Business Savings Account has better optimized rates to fit your needs.
If you have more than $100,000 in savings and appreciate the liquidity of a savings account, the T-Bill Savings Account provides better earned interest rates.
If you're okay with not having access to your funds for six months or more, you may want to consider investing some of your savings into a GIC. We can help with that, too.
The interest rate varies for each tier as it relates to the daily or monthly closing balance of the account.
For example: If the account holds a balance of $300,000, in a T-Bill Savings Account, the account would receive:
- 2.75% interest for the first $100,000 (as the pricing for $0 to $100,000 is 2.75%)
- 2.80% interest for the next $150,000 (as the pricing for $100,001 to $250,000 is 2.80%)
- 2.85% interest for the last $50,000 (as the pricing for $250,001 to $500,000 is 2.85%)
Ready to get started?
Your business know-how has paid off, giving you a large cash balance. Reap the rewards for your smarts with
the T-Bill Savings Account.
Find the right savings account for your business.
Grow your cash flow
Business Savings Account
You've planned your cash flow wisely and have some extra. Why not earn interest and reward yourself for wise decision-making?
Earn from substantial savings
T-Bill Savings Account
Reap the rewards of a large cash balance with a premium interest rate and access your money when you need it.
Get matching government funds
AgriInvest Savings Account
This government program will match annual eligible net contributions to your savings account up to a maximum of $10,000 per year.
Rates are indicative, subject to change without advance notice and should be confirmed with your ATB expert.
Related documents: Business Banking Account Agreement, Additional Services and Associated Charges
INTERAC e-Transfer is a registered Trademark of Interac Corp. Used under license.
Additional fees may apply for other in-branch or cheque-based transactions. Check current fees.
This product is for Business & Agriculture clients only.
Community Spirit accounts are excluded from cash and coin fees. US chequing and US savings account charges will be in USD.