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Springboard Savings® Account
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Grow your savings even more, minus the monthly fee and no terms.
Limited-time offer.
Grow your savings with an ATB Springboard Savings Account and get up to 4.60%* interest.
Earn on all balances. Pay no monthly fee.
A great way to earn additional interest without obligations. There’s no minimum balance, but you'll earn even more on balances over $5,000.
Easy access.
Free deposits and transfers to and from ATB accounts.
Power possibility for you and our province.
When you save at ATB you’re making sure your money stays here in Alberta, where it gets turned into loans for local people, places and businesses.
Key product details
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Limited-time bonus offer
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4% bonus interest
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Interest earned
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Earn a higher interest rate on larger balances
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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 |
The bonus offer is available on net new funds deposited into a new or existing Springboard Savings Account between July 6, 2026 and September 30, 2026. The bonus interest rate will be calculated on the daily closing account balance and paid out monthly on net new balances. Tax implications may be associated with this offer. This offer is subject to change without notice and cannot be combined with other offers. Only up to $1 million dollars ($1,000,000) of new funds deposited will be eligible for the bonus interest.
Net new funds refers to the net increase in the account's balance resulting from deposit and withdrawal activity occurring exclusively during the campaign period. Additional contributions/deposits can come from a different ATB account type or by transferring funds from another financial institution. Funds transferred between Springboard Savings accounts may not be eligible for the bonus interest offer.
The up to 4.60% interest rate is the combination of the base interest rate of up to 0.60% on a Springboard Savings Account with the 4.00% bonus offer on net new deposits.
Interest is calculated on the daily tiered marginal closing account 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.
Interac e-Transfer is a registered Trademark of Interac Corp. Used under license.
Springboard Savings is a registered trademark of ATB Financial.
Frequently asked questions
Yes, any net new funds into a new or existing Springboard Savings Account will receive the interest rate bonus, in addition to the regular interest rate of the account.
Any amount above the starting balance on July 6, 2026 in the qualifying account will receive the bonus interest.
The bonus interest runs from July 6, 2026 to September 30, 2026.
Yes, you can. The Springboard Savings Account can be a joint account, and applications can be done online.
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, another tier being the portion of the balance between $5,000 and below $250,000 and the last tier being the portion of the balance $250,000 and above.
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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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.
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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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The bonus offer is available on net new funds deposited into a new or existing Springboard Savings Account between July 6, 2026 and September 30, 2026. The bonus interest rate will be calculated on the daily closing account balance and paid out monthly on net new balances. Tax implications may be associated with this offer. This offer is subject to change without notice and cannot be combined with other offers. Only up to $1 million dollars ($1,000,000) of new funds deposited will be eligible for the bonus interest.
Net new funds refers to the net increase in the account's balance resulting from deposit and withdrawal activity occurring exclusively during the campaign period. Additional contributions/deposits can come from a different ATB account type or by transferring funds from another financial institution. Funds transferred between Springboard Savings accounts may not be eligible for the bonus interest offer.
The up to 4.60% interest rate is the combination of the base interest rate of up to 0.60% on a Springboard Savings Account with the 4.00% bonus offer on net new deposits. -
Interest is calculated on the daily tiered marginal closing account 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.
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Interac e-Transfer is a registered Trademark of Interac Corp. Used under license.
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*The bonus offer is available on net new funds deposited into a new or existing Springboard Savings Account between July 6, 2026 to September 30, 2026. The bonus interest rate will be calculated on the daily closing account balance and paid out monthly on net new balances. Tax implications may be associated with this offer. This offer is subject to change without notice and cannot be combined with other offers. Only up to $1 million dollars ($1,000,000) of new funds deposited will be eligible for the bonus interest.
Net new funds refers to the net increase in the account's balance resulting from deposit and withdrawal activity occurring exclusively during the campaign period. Additional contributions/deposits can come from a different ATB account type or by transferring funds from another financial institution. Funds transferred between Springboard Savings accounts may not be eligible for the bonus interest offer.
The up to 4.60% interest rate is the combination of the base interest rate of up to 0.60% on a Springboard Savings Account with the 4.00% bonus offer on net new deposits.
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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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Springboard Savings is a registered trademark of ATB Financial.
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Springboard Savings is a registered trademark of ATB Financial.