It all adds up. Save smart and earn up to 4.05% interest.*
Making regular contributions into an interest-earning account builds a solid foundation for your financial future.
At ATB, we have a selection of smart accounts to help you grow your money. And for a limited time, when you grow your savings into qualifying new or existing ATB savings accounts, you can receive a bonus of up to 2.3%* in addition to the base interest rate of the account.
Earn bonus interest with these smart ATB accounts
Flexible, no-monthly-fee savings
Springboard Savings Account®
Your no-risk way to get bonus interest.
Save for your first home
First Home Savings Account
Contributions are tax deductible and earnings within it are tax-free.
Grow your savings, tax-free
Tax-Free Saver Account
Earn premium interest and benefit from tax free withdrawals.
Grow your RRSP savings
RRSP Daily Interest Account
An easy way to make regular RRSP contributions.
Explore more options with our GICs
Invest in a 15 month Non-Redeemable GIC at 4.95% and watch your savings grow.
Compare offer-eligible accounts
| Account | Springboard Savings Account | First Home Savings Account Daily Interest Account | Tax-Free Saver Account | RRSP Daily Interest Account |
|---|---|---|---|---|
| Interest Rate with Bonus1 | $0 - $4,999.99: 3.50% (1.50% + 2.00% bonus) $5,000 - $249,999.99: 4.00% (2.00% + 2.00% bonus) $250,000 and over: 4.05% (2.05% + 2.00% bonus) |
All balances: 3.00% (0.80% + 2.20% bonus) | All balances: 2.50% (0.50% + 2.00% bonus) | All balances: 2.50% (0.20% + 2.30% bonus) |
| Benefits | Easy to access savings in case of emergencies. | Contributions are tax deductible and tax free with qualifying withdrawals. | Interest earned is tax free. | Contributions are tax deductible. |
| Considerations | Interest earned is taxable. | There are lifetime limits for contributions into an FHSA. | TFSA contribution limits are set annually by CRA. The 2024 TFSA contribution limit is $7,000, up from $6,500 in 2023. | Access to funds are subject to withholding tax and the amount also needs to be included as income when filing your taxes. |
Expert advice and tools to help you save more
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Read moreWhat account is right for you?
FHSA vs. TFSA vs. RRSP? 9 things to consider when deciding the best saving strategy.
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Frequently asked questions
Yes, any net new funds into a new or existing Springboard Savings, First Home Savings Account Daily Interest Account, Tax-Free Saver Account or RRSP Daily Interest Account will receive the interest rate bonus in addition to the regular interest rate of the account.
Net new funds can be defined as an increase or decrease in balance by making additional contributions / deposits or withdrawals to the account (which can come from a different ATB account type, or by transferring funds from another FI.) during the campaign period.
The bonus interest offer runs from January 8, 2024 - June 30, 2024.
Interest is calculated on the daily account closing balance and paid monthly on the last day of the month. Interest is paid in the same currency as the account. Interest rates are calculated on a per annum basis. Interest rates and balance tiers are specific to each account type and are subject to change at any time without advance notice.
*The bonus offer is available on net new funds deposited into new or existing Springboard Savings Account, Tax-Free Saver Account, RRSP Daily Interest Account or First Home Savings Account Daily Interest Account between January 8, 2024 and June 30, 2024.
Net new funds can be defined as an increase or decrease in balance by making additional contributions / deposits or withdrawals to the account (which can come from a different ATB account type, or by transferring funds from another FI.) during the campaign period.
Interest will be calculated daily and paid out monthly. Tax implications may be associated with this offer. This offer is subject to change without notice and cannot be combined with other offers.