All-access saving. No risk. No fuss. No monthly fee.
Earn premium interest
Enjoy higher interest rates without the obligations. No minimum balance, but you'll earn even more on balances over $5,000.
Get unrestricted access
One free withdrawal a month at any ATB branch or automated banking machine (ABM). You'll pay for additional debits—but deposits and transfers to ATB accounts are free.
Save on fees
A high-interest savings account with no monthly fee. Every nickel you deposit goes to work for you, not into someone else's pocket.
Key product details
|Interest earned|| $0 - $4,999.99: 0.10%1
$5,000 and over: 0.50%1
|Interac e-Transfer®||$1.50 each|
|Interac e-Transfer Request Money||$1.50 each|
|Global Transfers|| $50 - $999.99: $5 CAD
$1,000 - $5,000: Free
Special countries: $15 CAD
|Save to win||Make any deposit into this account and you’ll be entered to win big cash prizes, automatically. Every month we give away up to $50,000 through our deposit yourself here contest!3|
Frequently Asked Questions
Yes, you can. The Springboard Savings Account can be a joint account.
After using the one free withdrawal available to you each month, the following fees will apply when moving money out of your Springboard Savings Account.
- $5 each for in-branch and ABM withdrawals and transfers
- Transfers made through telephone banking are not charged a fee
- $5 each for cheques drawn on your account
- $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 traditional 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 as well. That will save you from paying for every transaction.
Different interest rates are applied to each tier of the daily closing balance of the account--one tier being the portion of the balance below $5,000, and the other tier being the portion of the balance $5,000 and above. For example, a balance of $8,000 in a Springboard Savings Account would receive an interest rate of 0.10% on the first $4,999.99 and an interest rate of 1.00% on the remaining $3,000.01
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 $1.50 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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The Springboard Savings Account. A safe place to park the money you'll need easy access to down the road.
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Interest is calculated on the daily account closing balance and paid monthly on the last business 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 subject to change at any time without advance notice.
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.
Our deposit yourself here contest is how we reward our customers every month. Simply using ATB most savings, chequings, or investment accounts, provides a monthly chance to win.
Interac e-Transfer is a registered trademark of Interac Inc. Used under license.
Cirrus is a registered trademark of Mastercard International Incorporated. Used under license.
Springboard Savings is a registered trademark of ATB Financial.