HISA: High Interest Savings Account 

Saving made easy

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No fixed
monthly fees

1.60% interest1

with no minimum balance

Risk-free saving

with guaranteed returns

Free unlimited funds transfers2

between your National Bank ® accounts

A savings account, available to everyone

earn from the first dollar

Earn interest from the first dollar invested

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

save without effort

Effortless saving

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.

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.

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!

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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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Monday to Thursday,
8 a.m. to 6 p.m. (ET)
Friday, 8 a.m. to 5 p.m. (ET)

Little details that matter

*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.

  1. Interest is calculated at the end of each day on the total daily balance. It will be paid monthly. 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, visit our Fraud prevention page.
  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 and issuing drafts. 
  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.

Here’s how to open a joint account:

1. Make an appointment

Schedule an appointment online, either in person at any branch or by video call. Specify the type of account you’d like to open in the Additional Details section. Add the name(s) of anyone accompanying you in the Additional Attendees section.

2. Prepare your documents

Ensure everyone at your appointment has the appropriate identification documents indicated in the appointment confirmation.

3. Choose your account

Chequing account

Receive your income directly into this account and carry out your daily transactions: purchases, withdrawals, deposits, bill payments, transfers between accounts, sending money, and more. This account provides each co-owner with a debit card.

Savings account

Use your savings account to put money aside for a specific goal, like an upcoming vacation, or to ensure you have an emergency fund in case the unexpected happens, for example you lose your job. With this type of account, you'll earn interest on your savings and have easy access to your money.

Rights and obligations

During your appointment with your advisor, you can discuss the main rights and obligations of each joint account holder.

If you’d like to find out more, read our article on the pros and cons of a joint account.