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We look so you don't have to. Not financial advice. Confirm terms with the bank.
The catch: Opening a non-registered account first starts the 5-month timer, reducing the promotional period available for registered accounts.
The catch: Promotional rate applies only up to $200,000 for 153 days; standard rates drop to 0.30% afterward.
The catch: The 153-day promo clock starts when the first account is opened and is shared with any subsequent accounts.
The catch: Rate drops to 0.30%–0.60% after 90 days, and non-transfer transactions cost $5 each.
The catch: Promotional rate drops to 0.55% after 90 days, applies only to first-time account holders, and caps at $1,000,000.
The catch: Earns 0% if total relationship balance is under $10,000; excluded if you held HISA or MomentumPLUS in last 2 years.
No end date. Useful to compare against, and for after a promo ends.
The catch: Subject to annual TFSA/RRSP contribution room; unavailable to Quebec residents.
The catch: Requires a $25 membership share investment and smartphone app; not available in Quebec.
The catch: Registered savings accounts only allow a set number of free transactions within a given period.
The catch: Requires recurring direct deposits of at least $2,000 every month to maintain the rate.
The catch: Withdrawals require 30 days advance notice.
The catch: Only one free withdrawal per month; subsequent withdrawals cost $5 each. Opening requires mailing or providing a personal cheque.
The catch: Not available to residents of Quebec.
The catch: No debit cards or ATM access; transfers must be completed via EFT or Interac e-Transfer. Not available in Quebec.
The catch: Not available to residents of Quebec; deposits are held in US dollars.
The catch: Not available to residents of Quebec; account is not operational until a Direct Transfer Authorization Form is submitted.
The catch: Withdrawals require 10 days advance notice.
The catch: Requires at least $2,000 in direct deposits every 30 days; Generation clients already receive 2.25% and do not get an extra boost.
The catch: Subject to annual TFSA contribution limits.
The catch: Not available in Quebec; subject to registered contribution limits.
The catch: Earns 0% interest unless your total relationship balance across eligible Scotiabank accounts is at least $10,000.
The catch: Requires a Build membership costing up to $9.99 per month.
The catch: Rate depends on total assets held with Wealthsimple across all accounts.
The catch: Requires maintaining an eligible TD chequing account and completing two qualifying transactions each month.
The catch: Requires a Grow membership costing $14.99 per month.
The catch: Tiered rates start at 0.55% and require balances of $100,000 or more to earn 1.75%.
The catch: Debit transactions incur fees up to $5, with only one free ABM withdrawal per month.
The catch: Only 1 free ATM cash withdrawal per month; debit transactions are $5.00 each and Interac e-Transfers are $1.00 each.
The catch: Balances under $10,000 earn 0% interest, and non-exempt debit transactions cost $5.00 each.
The catch: Balances under $10,000 earn 0% interest without an eligible linked chequing account.
The catch: Non-transfer transactions cost $5 each.
The catch: Subject to statutory Tax-Free Savings Account contribution limits.
The catch: Standard interest rates are tiered and start as low as 0.30% on balances up to $50,000.
The catch: The standard rate is 0.30%.
The catch: Balances under $10,000 earn only 0.05% interest.
The catch: Requires a balance of at least $10,000 to earn the top rate of 0.10%.
