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: 0.25%
$100,001 to $250,000: 0.30%
$250,000 to $500,000: 0.45%
$500,000 to $1,000,000: 0.50%
Over $1,000,001: 0.55%1
|Deposits, In-branch & electronic credits, Phone inquiries & transfers||Free|
|In-branch & electronic debits, Electronic bill payments||$5 each|
|In-branch bill payment||$1.25 + $5.00 debit fee|
|Interac e-Transfer® (send)|| $1.50 + $5.00 debit fee
Free to receive
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 applied varies for each tier of the daily or monthly, as applicable, closing balance of the account --the tiers being the portion of the balance below $100,000, then below $250,000, then below $1 million, and finally anything over $1 million. For example, a balance of $300,000 in a T-Bill Savings Account would receive an interest rate of 0.65% on the first $250,000 and an interest rate of 0.90% on the remaining $50,000.
Find the right savings account for your business.
Rates are indicative, subject to change without advance notice and should be confirmed with your ATB expert.
Interac e-Transfer is a registered trademark of Interac Inc. 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.
The first $20,000 in cash and $2,000 in coin deposited or purchased each month will be included with Business & Agriculture Canadian currency chequing and savings accounts. Otherwise the following fees apply:
- $2.00 per $1,000 for cash deposited
- $2.00 per $100 for coin deposited
- $1.50 per $1,000 for cash purchased
- $1.50 per $100 for coin purchased
Community Spirit accounts are excluded from cash and coin fees. US chequing and US savings account charges will be in USD.