Accounts

Compare our Savings Accounts

This comparison chart helps you see at a glance which account has the best features and rates you’re looking for. By evaluating features, benefits and cost, you can find the account that’s right for you.

Once you’ve selected the savings account that meets your needs, you can easily apply online.

Roll your mouse over the title for more information.		Companion Companion Account Ideal for daily account balances of less than $5,000	Tier Tier Savings Account Ideal if you keep a daily account balance of $5,000 or more and need easy access.	GIA Guaranteed Investment Account Enjoy higher interest rates when you keep a daily account balance of $5,000 or more.	Youth Youth Account A great daily interest account for those starting out.
Key Features:
	Earns Daily Interest
	Guaranteed Interest
Debit Transactions:
	FREE Debit transaction/mo	21	21	12	no limit
	Fee for additional debits	$1.25	$1.25	$5.00
Additional Fees:
	Bill payments, transfers set up on a bill payment profile, Interac Direct Payment purchases and NYCE Debit Payment purchases3	$1.25	$1.25
	Interac ABM withdrawal fee3	$1.50	$1.50		$1.50
	PLUS system fee in US and Mexico3,4	$3.00	$3.00		$3.00
	PLUS system fee outside Canada, US & Mexico3	$5.00	$5.00		$5.00
	Interac Email money transfer3	$1.50	$1.50	$1.50	$1.50
	View Cheque service5	$1.50 per image	$1.50 per image	$1.50 per image	$1.50 per image
	Minimum balance to waive debit transaction fees6,7	$25,000	$25,000
Recordkeeping Options:
	Paperless
	Monthly statement	$2.258	$2.258
	Passbook	$2.258	$2.258
Interest Rates:
		>$5,000 balance blended rate	>$60,000 balance blended rate		>$5,000 balance blended rate
	$0 - $999.99	0.05%	0.05%	0.00%	0.05%
	$1,000 - $4,999.99	0.05%	0.05%	0.00%	0.05%
	$5,000 - $9,999.99	0.25%	0.25%	0.75%	0.25%
	$10,000 - $24,999.99	0.25%	0.25%	0.75%	0.25%
	$25,000 - $59,999.99	0.25%	0.25%	0.75%	0.25%
	$60,000 - $100,000	0.25%	0.25%	0.75%	0.25%
	$100,000 +	0.25%	0.25%	0.75%	0.25%

¹ Debit transactions are withdrawals, transfers, cheques and pre-authorized payments and the debit portion of bill payments, Interac ABM and PLUS withdrawals, Interac Direct Payment purchases, NYCE Debit Payment purchases and Interac Email Money Transfers.

²Debit transactions are withdrawals, transfers, cheques, pre-authorized payments, bill payments, Interac Direct Payment purchases, NYCE Debit Payment purchases, Interac ABM and PLUS system withdrawals, and Interac Email Money Transfers.

³ For foreign currency withdrawals performed at ABMs outside of Canada, the exchange rate includes an amount equal to 2.5% of the converted amount. Fee is in addition to regular debit fee.

⁴ Withdrawals made at TD Banknorth, TD Bank or Publix ATMs are exempt from the PLUS system handling fees.
Note: Some states permit the surcharging of international customers.

⁵ Charged in the currency of account. Free for Paperless Record Keeping or Private Banking customers. Applies to all Canadian chequing, savings and line of credit accounts with cheque writing option. For Private Banking clients with Rapid Recognition Chequing, U.S. account cheque images may not be available.

⁶ Minimum monthly balance must be maintained throughout the calendar month to qualify for fee waiver or rebate. Fees subject to change.

⁷ Except PLUS system debit transaction fees.

⁸ FREE with minimum monthly balance of $500.00.