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Icône compte épargne Le Stratégique

The Strategist Savings Account™

Ideal if you carry a large balance

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At a glance

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Current maximum interest rate1

Tiered, variable annual interest rate based on the account balance (See current rates)


 

No minimum balance

To generate interest

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Perfect if you are looking to:

  • Benefit from an interest rate that increases as your savings grow
  • Enjoy round-the-clock access to your funds

Open a savings account in three easy steps

 

Make an appointment

Make an appointment at the branch of your choice.

Meet with an advisor

Talk to one of our experts to get tailored advice.

Start saving

Start saving and benefit from the great features of this account!

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Already have an account with National Bank? Sign in now to open a savings account.

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Quick tip

Save without effort—set up automatic withdrawals at the interval you want.

The Strategist Account includes:

Transactions2

Online, mobile and telephone banking transactions

Two free withdrawals, purchases, transfers, cheques, preauthorized debits or bill payments (electronic or at the branch) per month

  • Transfers between your accounts or to another National Bank client3:
    • $1.25/transfer
    • free of charge with minimum balance of $25,000
  • Interac e-Transfer®
    • $1.25/transfer (waived with a minimum balance of $25,000)
    • plus a transfer fee of $1/transaction
  • Bill payments3:
    • $1.25/bill
    • free of charge with minimum balance of $25,000
  • Account inquiries: balances, transaction history, etc.

In stores and at the ABM

  • Debit card purchases4
    • $1.25/purchase
    • free of charge with minimum balance of $25,000
  • Withdrawals, transfers and withdrawals for bill payment4:
    • $1.25/transaction
    • free of charge with minimum balance of $25,000
  • Bill payments
  • List of transactions4:
    • $0.75/request
    • $1/month
    • free of charge with minimum balance of $25,000

Branch transactions5

At National Bank branches

Two free withdrawals, purchases, transfers, cheques, preauthorized debits or bill payments (electronic or at the branch) per month

  • Withdrawals, transfers, withdrawals for bill payment:
    • $1.50/transaction
    • free of charge with minimum balance of $25,000

Other services

 Cheques and pre-authorized debits

  • Cheques:
    • $1.25/cheque
    • free for balances of $25,000 and over
  • Preauthorized debits:  
    • $1.25/transaction
    • free for balances of $25,000 and over

Complementary banking services

  • Automatic transfer carried out with your authorization by National Bank, at a specific date: $1.50/transfer
  • Request for personalized cheques: provider's current rate
  • Statement online at no charge
  • Statement sent by mail: $2.50/month/account
  • Access to cheque images
  • Overdraft protection: $5/transfer (max. $5/day)
  • Bank drafts in foreign currency6:
    • $5,000 or less: $7.75/draft
    • Over $5,000: $12.50/draft
  • CAD bank drafts: $7.50/draft

Little details that matter

More information on rates and passbook option

For more information on fees for National Bank's products and services, consult the Fee Guide.

The passbook option has not been available to new clients since May 4, 2015. If you are an existing client who uses a passbook with your Strategist Account, the service is free of charge.

Legal Disclaimers

™ The Progress Account and the Strategist Account are registered trademarks of National Bank of Canada.

® Registered trademark of Interac Inc. Authorized user: National Bank.

1. Interest is calculated at the end of each day on the total daily balance and is applied monthly. To find out the tiered interest rate, which is applicable based on the different tiers of account balances, see current rates. Rates are subject to change without notice.

2. Transactions carried out using our Automated Services or National Bank online.

3. Services offered by the Bank through National Bank online, the mobile banking app and telephone banking solutions. These services provide access to accounts using a client card number issued by the Bank and a password chosen by the client, and allow clients to carry out various banking transactions including account, line of credit and credit card balance inquiries, transaction history requests (deposits and withdrawals), wire transfers, fund transfers to other National Bank account holders, requests to access documents, cheque images and bills, bill payments and cheque orders. Some features are not available through the National Bank mobile app. Certain browser versions are required to access National Bank online. For more information, visit the Browsers section for access to online banking services and read the ABCs of Security.

4. Banking services providing account access by means of a debit card issued by National Bank and used at a National Bank automated banking machine or an automated banking machine in an affiliate network or point-of-service terminals or with other devices and technology made available to National Bank clients. These services allow clients to carry out a range of banking transactions including withdrawals, deposits, account, line of credit and credit card balance inquiries, 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.

5. Banking services usually provided at National Bank branches during normal business hours, including deposits, withdrawals, transfers, bill payments, foreign exchange transactions, purchase of travellers cheques or drafts and use of safety deposit boxes.

6. For USD bank drafts, applicable fees are in USD.

7. Interest is calculated at the end of each day on the total daily balance if it is $5,000 or more. No interest is paid if the total daily balance is less than $5,000. Interest is paid monthly. Rates are subject to change without notice.

8. A transfer of $10 or more from another account is required. Transfers can be made from more than one account. A $1.00 fee will apply if the transfer cannot be completed due to insufficient funds. Cheques and pre-authorized debits are not included with this account.

9. Interest is calculated at the end of each day on the total daily balance. Interest is paid monthly. Rates are subject to change without notice.

10. Interest is calculated at the end of each day on the total daily balance if it is USD 5,000 or more. No interest is paid if the total daily balance is less than USD 5,000. To find out the tiered interest rate, which is applicable based on the different tiers of account balances, see current rates. Interest is paid monthly. Rates are subject to change without notice.

Need more information? Explore our other savings accounts

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Ready to open a savings account?

Make an appointment with an advisor today.

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