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ATB Climber Savings Account™
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Watch your interest rate climb.
Rewards that grow with you.
The longer you keep your money in your savings account, the more your interest rate will climb. Get the flexibility to access your funds while building financial stability for your future. All with no monthly fees.
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Easy access to your cash.
Access your cash whenever you need it. Plus enjoy free deposits and transfers to and from other ATB accounts.
Welcome bonus for eligible clients.
For a limited time, eligible clients can get 4.00% bonus interest on top of the regular interest rate for the first 90 days, for a total of up to 4.50%* interest when they open an ATB Climber Savings Account until September 30, 2026.
Key product details
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Interest earned
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Earn a higher interest rate the longer your balance remains untouched
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Welcome bonus offer
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Earn up to 4.50% with a 90-day premium period.
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Monthly fee
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$0
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Interac e-Transfer®
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$1.50 each
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Interac e-Transfer® Request Money
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Unlimited, free
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Transactions
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One free per month
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Global Transfers
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$50-$999.99: $5 CAD
$1,000-$10,000: Free Special Countries: $15 CAD |
This account provides clients with a standard base interest rate that is paid all the time plus premium rates for maintaining a balance without withdrawals over specific periods of time. 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 premium periods are subject to change at any time without advance notice.
Clients are entitled to the Welcome Bonus interest rate offer if they meet the following criteria:
The Welcome Bonus interest offer is limited to one account per client.
If a client has both a sole and a joint account, the account opened first will receive the bonus.
None of the account holders must have held (either individually or jointly) any of the following accounts within the last three years from your first eligible account opening:
No Springboard Savings Account in the last 3 years.
No ATB Climber Savings Account in the last 3 years.
The Welcome Bonus interest rate will be calculated on the daily closing account balance and paid out monthly to the account. Tax implications may be associated with this offer. This offer is subject to change without notice. The welcome bonus offer is available between July 6, 2026 to September 30, 2026.
Interac e-Transfer is a registered Trademark of Interac Corp. Used under license.
Start your financial climb today.
Reach your savings goals faster. Every dollar you save helps you progress, without losing any flexibility. Keep climbing, you’re rewarded with a higher interest rate the longer you save.
Open now
Frequently asked questions
Yes, there are no withdrawal restrictions. You can access your funds at any time, just like a standard savings account. However, when you withdraw funds from the account, no matter how much, this will reset your premium period to Day 1. The interest you've earned up to the date of the withdrawal will be prorated and paid to your account at the end of the month.
Yes, you can. The ATB Climber Savings Account can be a joint account and applications can be done online.
New and existing clients can open this savings account online or in the branch.
The account offers two standard types of interest:
- Base Interest: The basic interest rate that is always earned.
- Premium Interest: An additional interest rate earned for a specific premium period. This is added to the base interest rate. You earn a higher premium interest rate the longer your funds remain untouched in the account.
Both the base and premium interest are calculated on the account’s daily closing balance and paid at the end of the month.
The welcome bonus is a limited time bonus rate. It is applied to the balance of the account for the first 90 days, starting from the date the account is opened, and will be paid at the end of each month into the eligible Climber Savings Account. Should a withdrawal be made within the first 90 days from the account, the welcome bonus will still be paid and will be based on the daily closing balance.
To be eligible for the welcome bonus rate, you must not have held an ATB Springboard Savings Account or an ATB Climber Savings Account (jointly or individually) within the past three years.
A premium period refers to a specific duration during which a premium interest rate is applied over and above the base interest rate. There are six premium periods for the ATB Climber Savings Account based on the number of days the funds remain untouched in the account. Keeping your funds in the account for a longer period of time will result in a higher interest rate in the savings account. Please refer to the table above for details on the specific interest rates and premium periods.
You earn the premium interest rate in stages, with the rate increasing at set milestone premium periods (e.g., after 30, 90 days, etc). This structure is designed to reward you for consistently maintaining your savings. Earn a higher interest rate by keeping your funds in the savings account over a longer period of time. Please refer to the table above for current rates details on the specific interest rates and premium periods.
You will continue to earn both the base interest rate and the premium interest rate for the last premium period, provided you do not make a withdrawal.
After using the one free withdrawal available to you each month, the following fees will apply when moving money out of your Climber Savings Account.
- $5 each for in-branch and ABM withdrawals and transfers out of ATB
- $5 each for outgoing electronic transactions
- Additional service fees apply to Interac e-Transfers and Global Transfers
Transactions such as bill payments also carry an additional fee, which is added to the withdrawal fee.
For more details on our services and fees, see Additional Services and Associated Charges.
This account is designed as a savings account that allows you to work toward your goals and earn a competitive interest rate on the money you save. You can still perform transactions through this account, but you will have to pay extra. Consider opening a chequing account for your everyday transactions.
Within Alberta, you pay regular fees at non-ATB ABMs. You should be notified of these fees and prompted to approve them before proceeding with the transaction.
Withdraw cash at any non-ATB ABM outside Alberta, but within Canada, for a fee of $2.00 per withdrawal (this does not include fees you may agree to pay when making the withdrawal at the non-ATB ABM).
Travelling outside of Canada? Withdraw cash at any ABM on the Cirrus® network for a fee of $5 per withdrawal (this does not include fees you may agree to pay when making the withdrawal at the non-ATB ABM).2
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ABM withdrawals are converted to Canadian dollars using an exchange rate 2.5% above the exchange rate set by Mastercard International Incorporated (which operates the Cirrus® ATM Network). Some transactions may take a few days to be processed. You’ll be charged the applicable exchange rate on the day your transaction goes through your account, not necessarily the rate on the day you made the transaction.
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This account provides clients with a standard base interest rate that is paid all the time plus premium rates for maintaining a balance without withdrawals over specific periods of time. 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 premium periods are subject to change at any time without advance notice.
-
Clients are entitled to the Welcome Bonus interest rate offer if they meet the following criteria:
The Welcome Bonus interest offer is limited to one account per client.
If a client has both a sole and a joint account, the account opened first will receive the bonus.
None of the account holders must have held (either individually or jointly) any of the following accounts within the last three years from your first eligible account opening:
No Springboard Savings Account in the last 3 years.
No ATB Climber Savings Account in the last 3 years.
The Welcome Bonus interest rate will be calculated on the daily closing account balance and paid out monthly to the account. Tax implications may be associated with this offer. This offer is subject to change without notice. The welcome bonus offer is available between July 6, 2026 to September 30, 2026. -
Interac e-Transfer is a registered Trademark of Interac Corp. Used under license.
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*Clients are entitled to the Welcome Bonus interest rate offer if they meet the following criteria:
i. The Welcome Bonus interest offer is limited to one account per client.
- If a client has both a sole and a joint account, the account opened first will receive the bonus.
ii. None of the account holders must have held (either individually or jointly) any of the following accounts within the last three years from your first eligible account opening:
- No Springboard Savings Account in the last 3 years.
- No ATB Climber Savings Account in the last 3 years.
The Welcome Bonus interest rate will be calculated on the daily closing account balance and paid out monthly to the account. Tax implications may be associated with this offer. This offer is subject to change without notice. The welcome bonus offer is available between July 6, 2026 to September 30, 2026.
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Interest rates are subject to change at any time without advance notice.
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Interac e-Transfer is a registered Trademark of Interac Corp. Used under license.
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Cirrus is a registered trademark of Mastercard International Incorporated. Used under license.
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ATB Climber Savings Account is a trademark of ATB Financial.