Investment Account for Businesses

A convenient investment solution that lets you put your surplus cash to work while keeping it accessible at all times.

Open an account

1-888-394-4494 (toll-free)
Open from 8 a.m. to 6 p.m.

Enjoy some of the best interest rates on the market

$CAD Rates

Balance	Annual interest rate¹*	Rate bonus²*	Total interest rate
0 - $19 999,99	2.65%	0.05%	2.70%
$20 000,00 - $99 999,99	2.70%	0.05%	2.75%
$100 000,00 - $249 999,99	2.80%	0.05%	2.85%
$250 000,00 - $499 999,99	3.15%	0.05%	3.20%
$500 000,00 - $1 999 999,99	3.65%	0.05%	3.70%
$2 000 000,00 and over	4.15%	0.05%	4.20%

Balance	Annual interest rate¹*	Rate bonus²*	Total interest rate
0 - $19 999,99	2.65%	0.05%	2.70%
$20 000,00 - $99 999,99	2.70%	0.05%	2.75%
$100 000,00 - $249 999,99	2.80%	0.05%	2.85%
$250 000,00 - $499 999,99	3.15%	0.05%	3.20%
$500 000,00 - $1 999 999,99	3.65%	0.05%	3.70%
$2 000 000,00 and over	4.15%	0.05%	4.20%

$USD Rates

Balance	Annual interest rate¹*	Rate bonus²*	Total interest rate
0 - $19 999,99	2.10%	0.05%	2.15%
$20 000,00 - $99 999,99	2.20%	0.05%	2.25%
$100 000,00 - $249 999,99	2.30%	0.05%	2.35%
$250 000,00 - $499 999,99	2.50%	0.05%	2.55%
$500 000,00 - $1 999 999,99	2.80%	0.05%	2.85%
$2 000 000,00 and over	2.90%	0.05%	2.95%

Balance	Annual interest rate¹*	Rate bonus²*	Total interest rate
0 - $19 999,99	2.10%	0.05%	2.15%
$20 000,00 - $99 999,99	2.20%	0.05%	2.25%
$100 000,00 - $249 999,99	2.30%	0.05%	2.35%
$250 000,00 - $499 999,99	2.50%	0.05%	2.55%
$500 000,00 - $1 999 999,99	2.80%	0.05%	2.85%
$2 000 000,00 and over	2.90%	0.05%	2.95%

The interest, to which a rate bonus³ is added, is calculated daily on the closing balance. This interest will be paid to the account monthly on the last day of the month.

Put your surplus cash to work

Do you want to earn interest on your surplus cash while still being able to respond quickly to business opportunities or financial obligations? Our Business Investment Account (BIA) lets you access your funds whenever you want.

Features

The Business Investment Account (BIA) is a transfer account available in CAD and USD.
Only transfers can be carried out using this account, so a business current account⁴ in the same currency at National Bank is also required.
You can transfer funds via our Internet Banking Solutions, our automated telephone service⁵ or at the branch where you opened your account.
There are no fees for credit transfers (deposits) made to your account.
Three free debit transfers (withdrawals) are allowed per month. A fee is charged for each additional debit transfer.

Monthly fees (in CAD or USD depending on the currency of the account)

Inter-account transfer (deposit)	No charge
Three inter-account transfers (withdrawal)	No charge
As of 4th transfer (withdrawal)	$2.00 / transfer

Inter-account transfer (deposit)

No charge

Three inter-account transfers (withdrawal)

No charge

As of 4th transfer (withdrawal)

$2.00 / transfer

Protect your business from overdrafts

By linking your CAD current account to your CAD Investment Account for Businesses, you receive overdraft protection free of charge⁶.

Contact Us at 1‑844‑394‑4494 (toll-free) from 8 am to 6 pm

Find out more

Do you have customers in the United States?

Learn more about our cross-border business solutions

You've worked hard to build good supplier relationships.

Safeguard them with our overdraft protection solutions

Looking for an investment that guarantees your principal?

Find out about our GICs

¹ Annual interest rate calculated daily. Rates are subject to change without notice.

² Rate bonus calculated on the minimum monthly balance. Rates are subject to change without notice.

³ The rate bonus depends on the account's minimum balance for the month. The bonus is calculated using the number of days in the month and the balance tiers and rates presented in the above table. The more funds you have, the higher your return, since the interest and the rate bonus are tied to your account balance. What’s more, your funds remain accessible at all times.

⁴The closure of this same current account will result in the closure of the BIA without further notice

⁵ Our automated telephone service is only available for the CAD currency

⁶ Overdraft protection applies to Canadian dollar accounts only. Overdraft protection does not cover overdrafts caused by electronic funds transfers (EFTs). There must be sufficient funds in the account for a company to complete EFTs.

Investment Account for Businesses

Enjoy some of the best interest rates on the market

$CAD Rates

$USD Rates

Put your surplus cash to work

Features

Protect your business from overdrafts

Useful Articles

Find out more

Legal Notes

1 Annual interest rate calculated daily. Rates are subject to change without notice.

2 Rate bonus calculated on the minimum monthly balance. Rates are subject to change without notice.

4 The closure of this same current account will result in the closure of the BIA without further notice

5 Our automated telephone service is only available for the CAD currency

6 Overdraft protection applies to Canadian dollar accounts only. Overdraft protection does not cover overdrafts caused by electronic funds transfers (EFTs). There must be sufficient funds in the account for a company to complete EFTs.

¹ Annual interest rate calculated daily. Rates are subject to change without notice.

² Rate bonus calculated on the minimum monthly balance. Rates are subject to change without notice.

⁴The closure of this same current account will result in the closure of the BIA without further notice

⁵ Our automated telephone service is only available for the CAD currency

⁶ Overdraft protection applies to Canadian dollar accounts only. Overdraft protection does not cover overdrafts caused by electronic funds transfers (EFTs). There must be sufficient funds in the account for a company to complete EFTs.