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Bank Account Offers

Canadian Bank & Investment Account Offers

Updated on January 2, 2023

Chequing Accounts


National Bank of Canada  Modest Chequing Account<

National Bank of Canada Modest Chequing Account

Everything in moderation—just the right number of electronic transactions.



Terms & Conditions apply




  • 30 digital transactions per month
  • Interac e‑Transfers® free of charge
  • $10.95/month or $0 with a balance of $3,000 (or $0 for those between age of 0-24)


Scotiabank Preferred Package

Scotiabank Preferred Package

Earn up to $800 with a Scotiabank Preferred banking package and eligible investment plans*.



Terms & Conditions apply




  • Earn an additional 0.05% on your Momentum Plus Savings Account
  • Unlimited debit transactions and Interac e-transfer transactions
  • First year annual fee waiver(up to $150) on select credit cards
  • Earn points on every day purchases with the Scene+™ program
  • 4 more perks
  • Click here to apply for Scotiabank Preferred Package

    Rates, fees and other information are effective as of August 1, 2024. Subject to change.
    * See Account Provider's website for complete account details, terms and current offers. Reasonable efforts are made to maintain accuracy of information

Scotiabank Ultimate Package

Scotiabank Ultimate Package

Earn up to $800 with a Scotiabank Ultimate banking package and eligible investment plans*.
 



Terms & Conditions apply




  • Earn an additional 0.10% on your Momentum Plus Savings Account
  • Unlimited transactions, Interac e-transfer transactions and Scotia International Money Transfers
  • Unlimited free Global non-Scotiabank ABM withdrawals
  • Up to $150 annual fee waiver each year on select credit cards
  • Earn points on every day purchases with the Scene+™ program
  • 8 more premium perks
  • Click here to apply for Scotiabank Ultimate Package

    Rates, fees and other information are effective as of November 1, 2024. Subject to change.
    * See Account Provider's website for complete account details, terms and current offers. Reasonable efforts are made to maintain accuracy of information

Simplii Financial™ No Fee Chequing Account

Simplii Financial™ No Fee Chequing Account

Welcome offer: Earn $500† when you become a new client and open a No-fee Chequing Account by February 28th, 2025.
Must add an eligible direct deposit of at least $100 a month for 3 straight months.

 



Terms & Conditions apply




  • No monthly fees with no minimum balance
  • Free daily banking: unlimited debit purchases, bill payments & withdrawals
  • Free access to over 3,400 CIBC ATMs across Canada
  • Direct Payroll and Pension Deposit
  • Overdraft Protection
  • Fixed interest rate of 19.00% will be applied on overdraft balances, in addition to a monthly charge when ODP is used. |
  • Pre-authorized Bill Payments
  • Account to Account Transfers
  • Click here to apply for Simplii Financial™ No Fee Chequing Account





Savings Accounts


EQ Savings Plus Account

EQ Personal Account

Get the flexibility of chequing with unlimited transactions and zero monthly fees—plus 2% or 3.75% interest on every dollar. 



Terms & Conditions apply




  • 2%* or 3.75%** with qualifying direct deposit
  • Free and unlimited Interac e-Transfers®, bill payments, and Electronic Funds Transfers
  • No minimum balance requirements or monthly fees
  • No separate accounts for savings/chequing
  • Click here to apply for an EQ Personal Account


EQ Joint Savings Plus Account

EQ Joint Savings Plus Account

Earn up to 225× more than at other banks with up to 3 other people—without paying monthly fees. 



Terms & Conditions apply





Neo High Interest Savings

Neo High Interest Savings Account

Earn 3.00% interest1

 



Terms & Conditions apply




  • Earn 3.00% high interest everyday, on every dollar
  • No monthly fees and no minimum deposit required to start and continue, to earn high interest
  • Personalized savings goals keep you organized and on-track
  • Track your goals in real-time and watch your money grow
  • Safe and secure with eligibility for CDIC deposit protection up to $100,000 across all your accounts


¹ Interest is calculated daily on the total closing balance and paid monthly. Rates are per annum and subject to change without notice.

² The Neo High-Interest Savings account is provided by Peoples Bank of Canada, a CDIC member institution, and is eligible for CDIC deposit protection. Deposits held in Neo High-Interest Savings accounts are combined with eligible deposits held at Peoples Bank of Canada, for up to $100,000 of deposit protection, per category, per depositor. For more information about CDIC deposit insurance, please consult CDIC's website cdic.ca.


Neo Money™

Neo Everyday Account

Sign up today and receive a $5 bonus!1

 



Terms & Conditions apply




  • No fees, 1%2 interest rate (not a promotional rate; Savings interest rate is calculated daily on the closing balance and paid monthly)
  • Make bill payments, send and receive Interac e-Transfers®, and make bank to bank transfers to and from existing bank account - all with no monthly fees or minimum balances and unlimited free transactions
  • Manage everything from the phone app, whenever and wherever. Desktop/web banking is also available
  • ​ Much like any bank account at a traditional bank, the Neo Savings account is eligible for CDIC deposit protection, and provided by Peoples Bank of Canada., a CDIC member institution. Deposits held in Neo Everyday accounts are combined with eligible deposits held at Peoples Bank of Canada, for up to $100,000 of deposit protection, per category, per depositor.


Neo Everyday Account is provided by Peoples Bank of Canada.
® Trademark of Interac Inc. Used under license.
1 Limited-time offer. Only new Neo Money™ customers are eligible for this offer. This offer is only awarded if a new customer opens a Neo Everyday Account and deposits a minimum of $50 within the next 90 days. Offer is subject to the Rewards Policy, the Neo Platform Terms and Conditions and all other applicable terms and conditions. Offer may be amended or cancelled at any time without notice.
2 Interest is calculated daily on the total closing balance and paid monthly. Rates are per annum and subject to change without notice.
3 Based on research comparing high-interest savings rate of Canada’s ‘Big 5’ banks using a $100 investment, excluding promotional rates and rate premiums. Research was conducted by Neo Financial and based on data taken from public websites as at August 10, 2022.


Scotiabank MomentumPLUS Savings Account

Scotiabank MomentumPLUS Savings Account

Earn a savings rate of up to 5.40%* interest for a limited time  



Terms & Conditions apply




  • Earn a savings rate of up to 5.40%* for 3 months¹
  • Save for multiple goals in one account
  • No monthly account fees or minimum balance required
  • Earn even more interest¹ when you open and fund a Premium Period(s)²
  • The longer you save, the higher your interest rate
  • Click here to apply for Scotiabank MomentumPLUS Savings Account

    *To qualify, certain conditions must be met.
    Rates, fees and other information are effective as of September 10, 2024. Subject to change.
    * See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

    † Interac e-Transfer is a registered trade-mark of Interac Corp. Used under license
    ®Registered trademarks of The Bank of Nova Scotia

Simplii Financial™ No Fee Chequing Account

Simplii Financial™ High Interest Savings Account

Get a special interest rate. Earn 6.0% interest rate on your first Simplii Financial High Interest Savings Account for the first 5 months. Limits apply. Offer ends January 31st, 2025.

 



Terms & Conditions apply





Student Bank Accounts


Scotia Student Banking Advantage® Plan

Scotia Student Banking Advantage® Plan

Open a student account today and get up to $100*. Offer ends February 29, 2024



Terms & Conditions apply




  • Unlimited debit transactions2
  • Unlimited Interac e-Transfer† transactions2
  • Earn rewards on debit transactions3
  • Click here to apply for Scotia Student Banking Advantage® Plan

    * See Account Provider's website for complete account details, terms and current offers. Reasonable efforts are made to maintain accuracy of information

Small Business Bank Accounts


RBC Digital Choice Business Account Package

RBC Digital Choice Business Account Package

This account comes with unlimited business banking features and covers many other extras that can add up with other bank accounts.
 



Terms & Conditions apply




  • Unlimited electronic debit and credit transactions
  • Unlimited electronic cheque deposits
  • Unlimited Moneris deposits
  • 10 FREE Interac e-Transfer transactions
  • Applying for this product only requires a soft credit check which means it will not affect your credit score or remain on your credit record.
  • Click here to apply for RBC Digital Choice Business Account Package

    Rates, fees and other information are effective as of Nov.1, 2023. Subject to change.
    * See Account Provider's website for complete account details, terms and current offers. Reasonable efforts are made to maintain accuracy of information

RBC Flex Choice Business Account Package

RBC Flex Choice Business Account Package

Get flexibility to bank both digitally and in-branch, the choice is yours.
 



Terms & Conditions apply




  • Save 40% on fees for transactions made through RBC Online Banking, the RBC Mobile app and RBC ATMs versus paper transactions
  • Save on cash deposits at the RBC ATM and through the Night and Day Deposit Service
  • Only pay for what you use – no minimum or maximum transaction limits
  • Unlimited Moneris deposits for credit card and debit card transactions
  • No minimum balance required
  • Applying for this product only requires a soft credit check which means it will not affect your credit score or remain on your credit record.
  • Click here to apply for RBC Flex Choice Business Account Package

    * See Account Provider's website for complete account details, terms and current offers. Reasonable efforts are made to maintain accuracy of information





Investment Accounts


EQ TFSA Savings Account

EQ TFSA Savings Account

Earn 2.50% tax-free interest on every dollar with no minimum balance and zero fees.



Terms & Conditions apply





EQ GIC Account

EQ GIC

High growth. Guaranteed returns. Lock in 4% on a 1-year GIC.



Terms & Conditions apply





EQ RSP Account

EQ RSP Savings Account

Earn high interest on every tax-deferred dollar in your RSP account—or lock in up to 4.00% with an RSP GIC



Terms & Conditions apply




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