HISA: High Interest Savings Account

Open your first account and benefit from a 2.00% interest rate until June 30, 2022

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Certain conditions apply.

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No fixed
monthly fees

2.00% interest1

with no minimum balance

0.30% regular rate

Grow your money risk‑free

the easy way

Free unlimited funds transfers2

between your National Bank® accounts

Why should I open a HISA?

access your funds

Easily access your funds

You can access your savings at any time. With your online bank, transferring funds between your accounts* is fast and easy.

save without effort

Save without effort 

Set up a systematic savings plan—it's the best way to save. Your funds will be automatically deposited into your savings account.

power up your projects

Power up your projects

Save for what really matters! Grow your money risk-free and earn interest every month. A HISA can help you reach your goals faster.

earn from the first dollar

Earn interest from the first dollar

You will earn interest no matter how much money you have in your account. That means your savings will start growing right away!

emergency fund

A handy emergency fund

Your savings provide a financial cushion against the unexpected. If needed, you can withdraw funds to face emergencies.

How to open a savings account


Step 1


Submit an application online in less than 5 minutes.


Step 2


Transfer funds from your online bank in just a few clicks.


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Already have an account? Start saving online now!

Little details that matter

Promotion conditions

Promotion period: 

From April 1, 2022, to June 30, 2022.  

Account eligible for the promotion: 

First High Interest Savings Account at National Bank held by Personal Banking clients. The new account must be opened during the promotional period. Only one account is eligible. 

Promotional rate offered:

Deposits made in your new account from April 19, 2022 until June 30, 2022 (new bonus)

You benefit from an annual interest rate of 2.00%, up to a maximum of $999,999.00. As of April 19, 2022, the regular annual interest rate in effect is 0.30%, which represents a bonus of 1.70%.

Deposits made to your new account between April 1, 2022 and April 18, 2022

You benefit from an annual interest rate of 1.50% up to a maximum of $999,999.00. The regular interest rate was 0.20%, which represents a bonus of 1.30%.

Interest is calculated at the end of each day on the account's total daily balance. It will be paid monthly. 

After the promotion, the interest rate on the account balance will be the regular annual rate in effect without the bonus rate. 

Deposits eligible for the promotion:

Deposits to your new account up to a maximum of $999,999.00 are eligible for the promotional rate. Interest on deposits exceeding $999,999.00 will be calculated at the regular rate. 

Deposits from an amount held in another financial institution are eligible, including deposits from an amount held less than 30 days in a National Bank checking account then transferred in the new account. 

Deposits that originate from an existing National Bank savings, investment, or registered account are not eligible. 

Other conditions:

The promotional offer cannot be combined with another offer, promotion or benefit. 

The promotion may be modified or withdrawn without notice.

Interest and rates

*Service charges

  • Interac® e-Transfers: $1.25
  • Bill payments at the counter:3 $2 
  • eStatements: Free
  • Paper statements: $2.50
  • Free online fund transfers between your National Bank accounts2
  • ABM withdrawals: One free withdrawal per month
  • All other debit transactions:4 $5

For more information on fees for National Bank's products and services, consult the Fees – Your Guide to Personal Banking Solutions pamphlet.

Legal disclaimers

1. Interest is calculated at the end of each day on the total daily balance. It will be paid annually. The annual rate is variable and subject to change without notice. See current rates

2. Free funds transfers can be carried out via National Bank online, the National Bank app or our Telephone Banking Solutions.

Certain features are not available on the National Bank app.

Certain browser versions are required to access National Bank online.

For more information on our online banking services, consult our ABCs of Security section.

3. Teller-assisted transactions are carried out at National Bank branches during regular business hours. They include bill payments, deposits, withdrawals, funds transfers, foreign exchange transactions, issuing drafts and safety deposit box operations.

4. Debit transactions are carried out using your debit card at National Bank ABMs or ABMs in an affiliated network. These transactions include withdrawals, deposits, balance inquiries (account, line of credit or credit card), transaction history requests (deposits and withdrawals), fund transfers and bill payments. Additional fees are charged for using the Interac® and CIRRUS® networks. No additional fees are charged for using THE EXCHANGE® ABM network.

® Interac is a registered trade-mark of Interac Corp. Used under licence.

® CIRRUS is a registered trademark of Mastercard International Inc. Authorized user: National Bank of Canada

®THE EXCHANGE is a registered trademark of Fiserv Inc.

® NATIONAL BANK and the NATIONAL BANK logo are registered trademarks of National Bank of Canada.

Deposits in a High Interest Savings Account are covered by the Canada Deposit Insurance Corporation (CDIC). Find out more about the coverage offered by CDIC

Explore our other savings and investment solutions

NBI Funds

Enjoy the flexibility of our investment funds, available as a stand-alone solution or as a complementary investment.

Discover NBI Funds

Principal-protected investments

Put your money in a GIC and guarantee your principal at maturity ($500 minimum investment).

See our GICs

Ready to open a savings account?

Open an account online today.

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